David Barney Insurance Agency LLC
105 S Mesa Ave, Unit A, Montrose, CO 81401
View this agency's profile to learn more about their services.
Loading...
City directory
Montrose households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
Compare local agents, coverage options, and specialties to find the right fit for your insurance needs.
105 S Mesa Ave, Unit A, Montrose, CO 81401
View this agency's profile to learn more about their services.
401 E Main St, Montrose, CO 81401
View this agency's profile to learn more about their services.
1521 Oxbow Drive, Suite 145, Montrose, CO 81401
View this agency's profile to learn more about their services.
1802 South Townsend Avenue, Montrose, CO 81401
View this agency's profile to learn more about their services.
1521 Oxbow Drive, Suite 145, Montrose, CO 81401
View this agency's profile to learn more about their services.
242 W Main St, #4, Montrose, CO 81401
View this agency's profile to learn more about their services.
6 N Junction Ave, Montrose, CO 81402
View this agency's profile to learn more about their services.
Learn about insurance coverage options specific to Montrose residents.
Montrose has Colorado's lowest auto insurance rates at $1,071/year. Get quotes on home, auto, and specialty coverage from 7 local agents.
Home InsuranceMontrose home insurance averages $4,099/year. Learn about hail deductibles, wildfire mitigation discounts, and coverage for high desert climate risks in 2025.
Car InsuranceComplete guide to auto insurance in Montrose, Colorado. Learn about CO's 25/50/15 minimums, at-fault system, mountain driving risks, and how to save on coverage.
Colorado requires liability coverage with minimum limits of 25/50/15: $25,000 per person for bodily injury, $50,000 total per accident for bodily injury, and $15,000 for property damage. However, these minimums are often insufficient for serious accidents, and most experts recommend higher limits like 100/300/50 for better financial protection.
Colorado ranks among the top five most expensive states for homeowners insurance due to wildfire risks, extreme weather events like hail, and rising construction costs. Statewide premiums have increased over 20% in the past three years, with averages around $4,000 annually. Even areas not in high-risk wildfire zones are seeing rate increases as insurers adjust their risk models.
Working with a local independent agent in Montrose gives you access to multiple carriers and personalized advice about coverage specific to Western Slope living—like RV insurance, wildfire considerations, or recreational equipment coverage. Local agents can shop multiple companies on your behalf and help you navigate claims. Online options work well if you have straightforward needs and prefer self-service, but local agents offer customization and relationship-based service.
Yes, standard auto insurance doesn't cover RVs, ATVs, motorcycles, or boats. Each requires specialized coverage. RV insurance covers the vehicle, your belongings inside, and liability when parked. ATV insurance protects you from liability if you cause injury or property damage while riding on public or private land. Most local Montrose agents can bundle these policies with your auto and home insurance for discounts.
Montrose has the lowest average auto insurance rates in Colorado, with premiums averaging around $1,071 per year. This is significantly lower than statewide averages. Your actual rate will depend on your driving record, age, vehicle type, coverage limits, and deductibles. It's worth getting quotes from multiple carriers to find the best rate for your situation.
Umbrella insurance provides additional liability coverage beyond your auto and home policy limits, typically starting at $1 million in coverage for a few hundred dollars per year. It protects your assets if you're sued and damages exceed your primary policy limits. If you own a home, have significant savings, or engage in activities that increase liability risk—like hosting Airbnb guests or owning recreational vehicles—umbrella coverage is a smart, affordable safeguard.
Stand out to local shoppers with your team, specialties, and business hours. Member agencies get priority placement and more features.
Join the network