Buy Cheap Lake City, CO Auto Insurance (2021)

Lake City, CO auto insurance rates average $303 a month. Minimum auto insurance requirements in Lake City, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Lake City, CO, compare Lake City 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

  • The most expensive auto insurance company in Lake City after a DUI is Allstate
  • Average auto insurance rates in Lake City, CO are $303/month
  • The most expensive auto insurance company in Lake City is Allstate

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

See how Lake City, CO car insurance rates compare to Pueblo auto insurance rates, Arvada auto insurance rates, and Colorado Springs auto insurance rates before you read more about the cost of auto insurance in Lake City.

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

Lake City, CO Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Lake City, 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 Lake City, CO Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Lake City, Colorado

Insurance Company Poor Fair Good
Allstate $7,109 $5,472 $4,133
American Family $4,458 $3,168 $2,657
Farmers $5,836 $4,672 $4,437
GEICO $3,437 $2,861 $2,284
Liberty Mutual $3,727 $2,262 $1,808
Nationwide $3,990 $3,154 $2,751
Progressive $4,442 $3,790 $3,482
State Farm $4,037 $2,593 $2,090
USAA $4,757 $2,700 $2,160

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lake City, 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 $3,443 $3,227 $3,083 $3,117 $11,717 $12,303 $3,821 $3,859
American Family $2,345 $2,345 $2,115 $2,115 $5,676 $7,600 $2,345 $2,877
Farmers $3,010 $2,977 $2,746 $2,976 $10,830 $10,763 $3,272 $3,277
GEICO $1,843 $1,991 $1,885 $2,095 $5,626 $5,988 $1,701 $1,756
Liberty Mutual $1,784 $1,767 $1,499 $1,642 $4,985 $5,448 $1,809 $1,858
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,393 $2,238 $2,069 $2,064 $8,077 $9,054 $2,705 $2,639
State Farm $1,850 $1,850 $1,648 $1,648 $5,177 $6,563 $2,064 $2,450
USAA $2,154 $2,161 $2,042 $2,056 $5,325 $6,108 $2,771 $3,027

Buy Cheap Lake City, CO Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lake City, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,717 $12,303
American Family $5,676 $7,600
Farmers $10,830 $10,763
GEICO $5,626 $5,988
Liberty Mutual $4,985 $5,448
Nationwide $5,513 $7,064
Progressive $8,077 $9,054
State Farm $5,177 $6,563
USAA $5,325 $6,108

Buy Cheap Lake City, CO Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lake City, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,083 $3,117
American Family $2,115 $2,115
Farmers $2,746 $2,976
GEICO $1,885 $2,095
Liberty Mutual $1,499 $1,642
Nationwide $1,977 $2,093
Progressive $2,069 $2,064
State Farm $1,648 $1,648
USAA $2,042 $2,056

Find Cheap Auto Insurance Rates in Lake City, CO by Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lake City, Colorado

Insurance Company Low Medium High
Allstate $5,305 $5,554 $5,855
American Family $3,258 $3,499 $3,526
Farmers $4,329 $4,907 $5,708
GEICO $2,656 $2,825 $3,100
Liberty Mutual $2,479 $2,591 $2,727
Nationwide $3,323 $3,295 $3,276
Progressive $3,649 $3,914 $4,151
State Farm $2,743 $2,906 $3,070
USAA $3,077 $3,205 $3,334

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Find Cheap Lake City, CO Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Lake City, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,571 $5,571
American Family $3,354 $3,500
Farmers $4,981 $4,981
GEICO $2,797 $2,925
Liberty Mutual $2,599 $2,599
Nationwide $3,298 $3,298
Progressive $3,905 $3,905
State Farm $2,837 $2,976
USAA $3,115 $3,296

Find Cheap Lake City, CO Auto Insurance Rates by Driving Record

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

Annual Lake City, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,761 $5,463 $6,674 $5,387
American Family $2,534 $3,607 $4,697 $2,872
Farmers $4,210 $5,403 $5,337 $4,976
GEICO $2,046 $3,141 $3,564 $2,691
Liberty Mutual $2,267 $2,658 $2,782 $2,689
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,390 $4,701 $3,577 $3,951
State Farm $2,685 $3,128 $2,906 $2,906
USAA $2,344 $2,849 $4,987 $2,642

Find Cheap Lake City, CO Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lake City, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,674
American Family $4,697
Farmers $5,337
GEICO $3,564
Liberty Mutual $2,782
Nationwide $4,398
Progressive $3,577
State Farm $2,906
USAA $4,987

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

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

Best Annual Auto Insurance Rates by Company in Lake City, Colorado

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

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Find Cheap Lake City, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lake City, Colorado

Insurance Company Average Annual Rates
Allstate $5,571
American Family $3,427
Farmers $4,981
GEICO $2,861
Liberty Mutual $2,599
Nationwide $3,298
Progressive $3,905
State Farm $2,906
USAA $3,206

What affects Lake City, Colorado auto insurance rates?

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

Commute Times in Lake City

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lake City, CO is 6.8 minutes according to City-Data.

Traffic in Lake City

How is traffic in Lake City, Colorado? Inrix data shows that Lake City, CO traffic makes it the 929th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Lake City, CO

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

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