Buy Cheap Lakewood, CO Auto Insurance (2021)

Lakewood, CO auto insurance rates average $348 a month. Minimum auto insurance requirements in Lakewood, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Lakewood, CO, compare Lakewood 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 Lakewood, CO for teens drivers are $8,195/year
  • The most expensive auto insurance company in Lakewood after a DUI is Allstate
  • The most expensive auto insurance company in Lakewood is Allstate

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

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

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

Lakewood, CO Minimum Auto Insurance Requirements

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

Minimum Required Auto Insurance Coverage in Lakewood, 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 Lakewood, CO Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Lakewood, Colorado

Insurance Company Poor Fair Good
Allstate $7,743 $5,969 $4,499
American Family $5,394 $3,848 $3,231
Farmers $6,736 $5,515 $5,240
GEICO $3,856 $3,206 $2,556
Liberty Mutual $4,408 $2,717 $2,157
Nationwide $4,930 $3,906 $3,399
Progressive $5,149 $4,404 $4,046
State Farm $4,674 $3,013 $2,434
USAA $4,751 $2,735 $2,200

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lakewood, 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 $3,734 $3,508 $3,346 $3,382 $12,787 $13,463 $4,158 $4,186
American Family $2,839 $2,839 $2,560 $2,560 $6,887 $9,263 $2,839 $3,472
Farmers $3,311 $3,285 $2,985 $3,227 $13,178 $13,350 $3,641 $3,666
GEICO $1,999 $2,201 $2,178 $2,512 $6,396 $6,721 $1,818 $1,822
Liberty Mutual $1,991 $1,915 $1,703 $1,880 $6,343 $6,911 $2,006 $2,001
Nationwide $2,703 $2,747 $2,421 $2,553 $6,906 $8,814 $3,118 $3,363
Progressive $2,710 $2,529 $2,387 $2,371 $9,570 $10,691 $3,050 $2,957
State Farm $2,082 $2,082 $1,893 $1,893 $6,164 $7,772 $2,336 $2,767
USAA $2,131 $2,111 $2,051 $2,034 $5,527 $6,300 $2,733 $2,945

Buy Cheap Lakewood, CO Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lakewood, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,787 $13,463
American Family $6,887 $9,263
Farmers $13,178 $13,350
GEICO $6,396 $6,721
Liberty Mutual $6,343 $6,911
Nationwide $6,906 $8,814
Progressive $9,570 $10,691
State Farm $6,164 $7,772
USAA $5,527 $6,300

Buy Cheap Lakewood, CO Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lakewood, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,346 $3,382
American Family $2,560 $2,560
Farmers $2,985 $3,227
GEICO $2,178 $2,512
Liberty Mutual $1,703 $1,880
Nationwide $2,421 $2,553
Progressive $2,387 $2,371
State Farm $1,893 $1,893
USAA $2,051 $2,034

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

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

Annual Auto Insurance Rates by Coverage Level in Lakewood, Colorado

Insurance Company Low Medium High
Allstate $5,744 $6,051 $6,416
American Family $3,930 $4,242 $4,300
Farmers $5,055 $5,739 $6,697
GEICO $2,803 $3,132 $3,683
Liberty Mutual $2,890 $3,082 $3,309
Nationwide $4,053 $4,082 $4,100
Progressive $4,129 $4,549 $4,921
State Farm $3,113 $3,374 $3,633
USAA $3,064 $3,230 $3,393

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Find Cheap Lakewood, CO Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Lakewood, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,070 $6,070
American Family $4,068 $4,247
Farmers $5,830 $5,830
GEICO $3,142 $3,270
Liberty Mutual $3,094 $3,094
Nationwide $4,078 $4,078
Progressive $4,533 $4,533
State Farm $3,290 $3,457
USAA $3,138 $3,320

Find Cheap Lakewood, CO Auto Insurance Rates by ZIP Code

Auto insurance rates in Lakewood, Colorado can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Lakewood, CO to see how much where you live in Lakewood affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Lakewood, Colorado

ZIP Code Average Annual Rates
80215 $3,793
80226 $3,945
80227 $3,956
80228 $3,859

Find Cheap Lakewood, CO Auto Insurance Rates by Driving Record

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

Annual Lakewood, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,202 $5,971 $7,241 $5,868
American Family $3,080 $4,344 $5,714 $3,492
Farmers $4,923 $6,345 $6,252 $5,801
GEICO $2,234 $3,526 $4,161 $2,902
Liberty Mutual $2,719 $3,183 $3,281 $3,193
Nationwide $3,141 $4,286 $5,431 $3,455
Progressive $3,908 $5,543 $4,126 $4,556
State Farm $3,090 $3,658 $3,374 $3,374
USAA $2,346 $2,882 $5,046 $2,641

Find Cheap Lakewood, CO Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lakewood, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,241
American Family $5,714
Farmers $6,252
GEICO $4,161
Liberty Mutual $3,281
Nationwide $5,431
Progressive $4,126
State Farm $3,374
USAA $5,046

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

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

Best Annual Auto Insurance Rates by Company in Lakewood, 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

Find Cheap Lakewood, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lakewood, Colorado

Insurance Company Average Annual Rates
Allstate $6,070
American Family $4,158
Farmers $5,830
GEICO $3,206
Liberty Mutual $3,094
Nationwide $4,078
Progressive $4,533
State Farm $3,374
USAA $3,229

What affects Lakewood, Colorado auto insurance rates?

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

Commute Times in Lakewood

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Lakewood, CO is 27.2 minutes according to City-Data.

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Compare Auto Insurance Quotes in Lakewood, CO

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

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