The Pinery drivers pay an average of $2,044/year — $273 more than the national average. With 126 crashes per year and a 2.0 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $520/year.
(888) 217-6781Estimated full coverage auto insurance rates for The Pinery, CO from top carriers. Rates are adjusted for The Pinery's 126 annual crashes, 2.0 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $680 | $113/mo |
| GEICO | $777 | $129/mo |
| Progressive | $873 | $145/mo |
| American Family | $916 | $153/mo |
| State Farm | $953 | $159/mo |
Estimates based on 2026 rate filings for ZIP 80134. USAA is cheapest at ~$113/mo. Actual rates vary by driver profile and exact The Pinery location.
These The Pinery-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving The Pinery, CO. Takes under 2 minutes.
(888) 217-6781The Pinery is a smaller city in Colorado with a population of 11,311. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as hailstorms, blizzards, ice, mountain driving hazards, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in The Pinery.
For official Colorado insurance regulations, visit the Colorado Division of Insurance. For driver licensing, see the Colorado DMV.
Your specific ZIP code within The Pinery can swing your premium by hundreds of dollars. Here's how rates compare across The Pinery neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 80146 | The Pinery South Side | $1,887/yr | $157/mo |
| 80136 | The Pinery North Side | $1,980/yr | $165/mo |
| 80154 | The Pinery West Side | $2,042/yr | $170/mo |
| 80140 | The Pinery East Side | $2,064/yr | $172/mo |
| 80134 | The Pinery Downtown/Central | $2,216/yr | $185/mo |
The cheapest ZIP is 80146 (The Pinery South Side) at $1,887/yr. The most expensive is 80134 (The Pinery Downtown/Central) at $2,216/yr — a $329/year difference for the same driver.
Your The Pinery ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in The Pinery. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,292/yr | $358/mo | +110% vs avg |
| Young Adult (20-25) | $2,862/yr | $239/mo | +40% vs avg |
| Adult (26-35) | $2,044/yr | $170/mo | 0% vs avg |
| Mid-Career (36-50) | $1,799/yr | $150/mo | -12% vs avg |
| Senior (51-65) | $1,697/yr | $141/mo | -17% vs avg |
| 65+ | $1,819/yr | $152/mo | -11% vs avg |
Teens in The Pinery pay an average of $4,292/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,697/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Colorado cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
The Pinery drivers can save up to $520/year. ZIP 80146 (The Pinery South Side) has the lowest rates starting at $1,887/yr.
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