See age-based estimates, carrier rankings, and coverage tips tailored for Gilcrest drivers, then get a real quote from an independent agency.
Free auto quoteCall (800) 253-1482Gilcrest, Colorado: average car insurance rates
These figures are estimates and averages for illustration meant only for comparison, not a guaranteed price. A real quote reflects the drivers and the vehicles, where the car is garaged by ZIP, the limits and deductibles you pick, credit where allowed, and your claims history.
Car Insurance Rates by Driver’s Age Group in Gilcrest
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Colorado | $172.40 |
| Gilcrest, Colorado | $181.86 |
Cheapest car insurers for Gilcrest, CO drivers
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | GEICO | $150.82 |
| 2 | Progressive | $166.79 |
| 3 | Elephant | $168.86 |
| 4 | Kemper BVP | $176.23 |
| 5 | Bristol West | $179.23 |
| 6 | National General NS | $182.02 |
| 7 | Travelers | $183.76 |
| 8 | Allstate | $184.51 |
| 9 | Safeco | $185.43 |
| 10 | GAINSCO | $197.91 |
Check Out Other Rates in Gilcrest, CO Nearby Cities:
How to lower your car insurance rates in Gilcrest
The cheapest binder is only part of shopping. Durable wins usually start with multi-policy and multi-car credits before you raise deductibles, followed by a market check every policy term.
- Re-shop several carriers at renewal. As storms and loss trends play out, appetite changes. Last year’s low bid in Gilcrest may not be cheapest now.
- Bundle only when the math works. Home and auto together can help, but verify the combined price, not just the auto line by itself. Start at /get-a-quote/auto-quote and list any homeowners or renters policy you already hold.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,187.60, far above adult buckets near $121. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Use telematics carefully. Late-night trips and hard braking can undo the savings, while usage-based programs favor gentle acceleration and low overnight mileage.
- Stay continuously insured. Gaps, even short ones, can cost more than the months you skipped.
- List the real garaging address. If the car sleeps in Gilcrest but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask about paperless, autopay, paid-in-full, and professional affiliations. Individually they are small; combined they can move a quote.
Finally, document improvements: new roof cameras are for homes, but dash cams, anti-theft devices, and clean Motor Vehicle Records still help many auto filings. To keep underwriting from guessing, share them at your Gilcrest quote review.
Gilcrest driving and insurance context
Gilcrest is home to around 1,083 residents, located in Weld County. The population is roughly 1,083. Wildfire, wind, and hail exposure can shift Front Range premiums fast after active storm seasons.
A Gilcrest commute often combines local arterials with highway stretches, so underwriters weigh both the garaging ZIP and annual miles. Local weather, especially hail, wildfire smoke days, and slick winter driving, also shapes comprehensive claims and, over time, the rates carriers file for the surrounding ZIP codes. Construction of the car, credit-based insurance score where allowed, prior claims, and exact garaging address all move the quote, so two Gilcrest neighbors driving similar cars may still see different prices.
If you are new to the Weld County area, take a few minutes to confirm how you use the vehicle. A minor trim difference on the same model year moves the rate less than rideshare use, teen drivers, or lots of highway commuting. Be specific about how the car is used when you ask for a quote, and we can match carriers that price that profile competitively.
Many Gilcrest drivers also underestimate how vehicle safety features and ownership length interact with discounts. Anti-theft devices, automatic emergency braking, and continuous coverage carry different weight from one carrier to the next. Instead of re-keying the same application on ten websites: let an independent agent translate those differences into a shortlist.
Another practical detail: keep your current policy’s declarations pages close. Limits, deductibles, and listed drivers are the fastest way to build an apples-to-apples comparison for Gilcrest. Look for lower liability limits, a missing comprehensive line, or a left-off household driver whenever a quote looks dramatically cheaper.
Coverage explainers for Gilcrest drivers
The cost of a serious injury claim, or of a newer financed car, usually exceeds state-minimum limits, even if Colorado law accepts the minimum. As you compare Gilcrest quotes, work through the outline below.
- Liability (bodily injury & property damage): Pays others when you are at fault. Home equity, savings, or a long commute through dense traffic all argue for raise your limits.
- Collision: Covers damage to your car when it strikes another car or object, after your deductible.
- Comprehensive: Pays for non-crash losses, such as theft, hail, cracked glass, and animal strikes, especially relevant in storm-prone areas.
- Uninsured / underinsured motorist: Your protection if an at-fault driver has no insurance or too little. Before turning down UM/UIM, learn your state’s rules.
- MedPay / PIP: It pays medical bills after a crash for you and your passengers; availability and stacking vary by state.
- Rental reimbursement: When a covered claim puts your car in the shop, it helps pay for a rental.
- Roadside assistance: Towing, battery, and lockout help, sometimes cheaper on the auto policy than a separate club membership.
- Higher liability limits & umbrella coordination: Umbrella policies come with underlying limit requirements, so your auto limits need to match.
Lenders and lessors will almost always require collision and comprehensive for Gilcrest vehicles. If your car is older and paid off, we can model dropping collision but only after you understand the out-of-pocket risk. Stormy ZIP codes make glass and hail deductibles worth a second look.
Getting to know Gilcrest
Gilcrest is home to around 1,083 residents, located in Weld County.
In a smaller Colorado place like Gilcrest, local construction, access to fire protection, and regional storm patterns matter more than big-city tourism headlines.
Housing here is mostly single-family homes typical of the Weld County area; block by block, replacement cost, roof age, and construction type still drive most premium differences.
Wildfire, wind, and hail exposure can shift Front Range premiums fast after active storm seasons.
Discounts Gilcrest drivers should ask about
- Multi-policy credit — auto plus home or renters coverage.
- Multi-car credit — several vehicles insured with the same company.
- Safe driver & claims-free — clean histories often earn better rates.
- Good student & driver training — useful once teens are rated.
- Usage-based / telematics — opt-in programs that reward safer driving.
- Autopay, paperless, and paid-in-full — minor credits that add up.
- Safety and anti-theft features — varies by vehicle and carrier.
Discounts never replace shopping. On one Gilcrest driver, two carriers with similar credits can still be fifty dollars apart.
Choosing deductibles and limits with local weather in mind
Because hail, wildfire smoke days, and slick winter driving show up in regional loss data, comprehensive deductibles deserve a deliberate choice in Gilcrest. If you park outside, a lower glass deductible can be worth it. With reserves in the bank and a paid-off vehicle, a bigger comprehensive deductible can cut the premium.
Liability limits should reflect assets and risk tolerance, not only the state minimum. On a busy corridor near Gilcrest, a serious at-fault accident can blow past minimum limits. We will walk through scenarios so you are not buying numbers you do not understand.
Several cars or mixed driving records at home
Multi-car households in Gilcrest should assign drivers thoughtfully. A common self-inflicted premium spike: putting the priciest driver on the priciest car. Because carriers rate household drivers differently, we compare assignment options across carriers.
Recent tickets and minor accidents surface in underwriting, so do not hide one; shop markets that forgive that profile more readily. Being stuck inside one company’s rules is exactly what independent agencies help you avoid.
Freedom Insurance Group for Gilcrest drivers
No invented AM Best ratings, and we do not claim every carrier is appointed for every niche. We explain the tradeoffs in plain language, shop the markets we can access, and help you choose limits that fit how you actually drive in Gilcrest and the wider Weld County area.
Talk to an agent at (800) 253-1482, or simply request a free auto quote online. We can compare bundle options with no pressure if you also need homeowners coverage; begin on the home quote form.
Expect a conversation about drivers, vehicles, the garaging ZIP code, desired liability limits, and any recent claims. That discovery step is what turns the illustrative averages on this page into a shortlist of bindable options for your household.
Local driving facts for Gilcrest
Gilcrest workers spend about 42 minutes getting to work on an average day, according to 2020–2024 Census survey estimates. About 31% of commuters travel 45 minutes or more each way, which adds up in annual mileage. Among workers, 87% drive alone and 12% carpool.
Census estimates (2020–2024) put about 1,026 people in Gilcrest, on roughly 0.8 square miles of land, which works out to about 1,265 per square mile. Greeley, about 9 miles north, is the nearest Colorado city above 100,000 people. Regular trips there add miles that belong in your annual estimate.
The NOAA Storm Events Database records 9 hail reports within about 5 miles of Gilcrest from 2016 through 2025. The biggest hail reported was 2.75 inches near Johnstown in June 2025. Hail that size can badly dent body panels and shatter glass, a loss handled under comprehensive coverage. The same database has 1 flash-flood report nearby, logged in May 2017; only comprehensive coverage pays for a flood-damaged vehicle.
Across about 296 households in Gilcrest, 59% own at least three vehicles and 20% have exactly two. Multi-car pricing and how drivers are assigned are therefore relevant for most households here.
The Census Bureau counted 1,162 people in Gilcrest at the 2000 Census and 1,034 at the 2010 Census; its July 2024 estimate is 1,017. That is roughly 12% fewer residents than in 2000. Federal tornado records from NOAA’s Storm Prediction Center list 34 tornadoes that began within 10 miles of Gilcrest from 1950 through 2015, the strongest an EF3 on May 22, 2008. Along its full path, that storm was blamed for 1 death and 78 injuries.
Comparing nearby rates? Nearby pages: Milliken (4 mi), Evans (5 mi), and Platteville (5 mi).
ZIP codes in and near Gilcrest that we insure
80623 · 80645 · 80651
More Colorado coverage options
Get auto insurance quotes in Gilcrest, CO
Gilcrest residents get a comparison of 25+ carriers through Freedom Insurance Group. Talk to an agent at (800) 253-1482, or simply request a free auto quote online.
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