Buy Cheap Lafayette, CO Auto Insurance (2021)

Lafayette, CO auto insurance rates average $295 a month. Minimum auto insurance requirements in Lafayette, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Lafayette, CO, compare Lafayette auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Lafayette, CO after a DUI are $4,227/year
  • The most expensive auto insurance company in Lafayette is Allstate
  • Average auto insurance rates in Lafayette, CO are $295/month

Finding affordable Lafayette, Colorado auto insurance can be challenging, but everything you need to know to buy cheap Lafayette, CO auto insurance with confidence is right here. Auto insurance rates in Lafayette are affected by local factors as well as personal ones like your driving record.

See how Lafayette, CO car insurance rates compare to Denver auto insurance rates, Fort Collins auto insurance rates, and Aurora auto insurance rates before you read more about the cost of auto insurance in Lafayette.

Don’t buy Lafayette, CO auto insurance until you’ve compared rates. Get free Lafayette, Colorado auto insurance quotes when you enter your ZIP code above.

Lafayette, CO Minimum Auto Insurance Requirements

The required auto insurance in Lafayette, CO is 25/50/15 according to the auto insurance laws in Colorado. The minimum auto insurance in Lafayette, Colorado is outlined here.

Minimum Required Auto Insurance Coverage in Lafayette, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Lafayette, CO Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Lafayette, CO. Take a look at Lafayette, Colorado auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Lafayette, Colorado

Insurance Company Poor Fair Good
Allstate $6,611 $5,109 $3,851
American Family $4,893 $3,508 $2,947
Farmers $5,463 $4,466 $4,243
GEICO $3,317 $2,761 $2,206
Liberty Mutual $3,564 $2,210 $1,759
Nationwide $4,068 $3,235 $2,817
Progressive $4,077 $3,492 $3,207
State Farm $4,381 $2,819 $2,274
USAA $4,097 $2,364 $1,904

Buy Cheap Lafayette, CO Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Lafayette, Colorado auto insurance rates? Find out how car insurance rates in Lafayette, CO are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lafayette, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,105 $2,892 $2,826 $2,850 $11,264 $11,865 $3,367 $3,355
American Family $2,582 $2,582 $2,335 $2,335 $6,254 $8,436 $2,582 $3,154
Farmers $2,709 $2,682 $2,447 $2,644 $10,611 $10,716 $2,980 $3,001
GEICO $1,707 $1,891 $1,876 $2,177 $5,526 $5,812 $1,550 $1,551
Liberty Mutual $1,614 $1,549 $1,386 $1,528 $5,154 $5,614 $1,626 $1,619
Nationwide $2,245 $2,277 $2,018 $2,122 $5,702 $7,251 $2,587 $2,784
Progressive $2,164 $2,025 $1,934 $1,919 $7,546 $8,392 $2,417 $2,338
State Farm $1,933 $1,933 $1,760 $1,760 $5,809 $7,320 $2,172 $2,578
USAA $1,854 $1,837 $1,785 $1,771 $4,743 $5,405 $2,366 $2,549

Buy Cheap Lafayette, CO Auto Insurance for Teen Drivers

Auto insurance for teenagers in Lafayette can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Lafayette, CO are listed here.

Annual Auto Insurance Rates for Teen Drivers in Lafayette, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,264 $11,865
American Family $6,254 $8,436
Farmers $10,611 $10,716
GEICO $5,526 $5,812
Liberty Mutual $5,154 $5,614
Nationwide $5,702 $7,251
Progressive $7,546 $8,392
State Farm $5,809 $7,320
USAA $4,743 $5,405

Buy Cheap Lafayette, CO Auto Insurance for Seniors

You can save on senior auto insurance rates in Lafayette, Colorado by comparing Lafayette senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Lafayette, CO here.

Annual Auto Insurance Rates for Senior Drivers in Lafayette, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,826 $2,850
American Family $2,335 $2,335
Farmers $2,447 $2,644
GEICO $1,876 $2,177
Liberty Mutual $1,386 $1,528
Nationwide $2,018 $2,122
Progressive $1,934 $1,919
State Farm $1,760 $1,760
USAA $1,785 $1,771

Find Cheap Auto Insurance Rates in Lafayette, CO by Coverage Level

The amount of coverage you choose is a big factor in the cost of Lafayette, Colorado auto insurance. Compare Lafayette, CO auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Lafayette, Colorado

Insurance Company Low Medium High
Allstate $4,859 $5,171 $5,541
American Family $3,569 $3,861 $3,918
Farmers $4,126 $4,655 $5,389
GEICO $2,404 $2,695 $3,185
Liberty Mutual $2,344 $2,502 $2,688
Nationwide $3,335 $3,378 $3,407
Progressive $3,225 $3,606 $3,944
State Farm $2,915 $3,161 $3,399
USAA $2,643 $2,788 $2,934

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Find Cheap Lafayette, CO Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Lafayette. Compare auto insurance rates in Lafayette, CO by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Lafayette, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,190 $5,190
American Family $3,700 $3,865
Farmers $4,724 $4,724
GEICO $2,708 $2,814
Liberty Mutual $2,511 $2,511
Nationwide $3,373 $3,373
Progressive $3,592 $3,592
State Farm $3,079 $3,237
USAA $2,711 $2,866

Find Cheap Lafayette, CO Auto Insurance Rates by Driving Record

Auto insurance rates in Lafayette, Colorado are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Lafayette, CO, take a look at the average cost for various violations versus rates for a clean driving record in Lafayette.

Annual Lafayette, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,395 $5,089 $6,269 $5,008
American Family $2,799 $3,965 $5,194 $3,173
Farmers $3,987 $5,138 $5,065 $4,706
GEICO $1,919 $3,032 $3,615 $2,478
Liberty Mutual $2,212 $2,583 $2,659 $2,590
Nationwide $2,612 $3,543 $4,472 $2,866
Progressive $3,099 $4,402 $3,267 $3,599
State Farm $2,887 $3,430 $3,158 $3,158
USAA $2,036 $2,491 $4,340 $2,287

Find Cheap Lafayette, CO Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Lafayette, Colorado is higher than for a clean driving record. You can buy auto insurance after a DUI in Lafayette for less when you shop around and compare rates from multiple Lafayette, CO auto insurance companies.

Annual Auto Insurance Rates After a DUI in Lafayette, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,269
American Family $5,194
Farmers $5,065
GEICO $3,615
Liberty Mutual $2,659
Nationwide $4,472
Progressive $3,267
State Farm $3,158
USAA $4,340

Winners by Category: Where to Buy Cheap Auto Insurance in Lafayette, CO

Compare rates from the cheapest auto insurance companies in Lafayette, CO for your needs. Take a look at how Lafayette, Colorado auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Lafayette, Colorado

Category Insurance Company
Teenagers USAA
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Find Cheap Lafayette, Colorado Auto Insurance Companies

If you’re looking for the cheapest Lafayette, CO auto insurance companies overall, you can compare them here. Find the best price for Lafayette, Colorado car insurance by company.

Average Annual Auto Insurance Rates by Company in Lafayette, Colorado

Insurance Company Average Annual Rates
Allstate $5,190
American Family $3,783
Farmers $4,724
GEICO $2,761
Liberty Mutual $2,511
Nationwide $3,373
Progressive $3,592
State Farm $3,158
USAA $2,789

What affects Lafayette, Colorado auto insurance rates?

Local factors affect auto insurance rates in Lafayette, CO, including traffic, theft statistics, and commute length. Take a look at the things that impact Lafayette auto insurance rates.

Commute Times in Lafayette

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lafayette, CO is 25.2 minutes according to City-Data.

Traffic in Lafayette

How is traffic in Lafayette, Colorado? Inrix data shows that Lafayette, CO traffic makes it the 617th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Lafayette, CO

You can buy cheap Lafayette, CO auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Lafayette, Colorado auto insurance quotes from top companies.

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