Buy Cheap Lucerne, CO Auto Insurance (2021)

Lucerne, CO auto insurance rates average $302 a month. Minimum auto insurance requirements in Lucerne, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Lucerne, CO, compare Lucerne 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 Lucerne, CO after a DUI are $4,308/year
  • Average auto insurance rates in Lucerne, CO for teens drivers are $7,042/year
  • The most expensive auto insurance company in Lucerne after a DUI is Allstate

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

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

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

Lucerne, CO Minimum Auto Insurance Requirements

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

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

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

Annual Auto Insurance Rates by Credit Score in Lucerne, Colorado

Insurance Company Poor Fair Good
Allstate $6,612 $5,094 $3,848
American Family $4,668 $3,327 $2,793
Farmers $5,946 $4,847 $4,605
GEICO $3,497 $2,910 $2,323
Liberty Mutual $3,447 $2,125 $1,694
Nationwide $4,099 $3,254 $2,838
Progressive $4,472 $3,815 $3,500
State Farm $4,133 $2,654 $2,138
USAA $4,549 $2,604 $2,090

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

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

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Lucerne, 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 $3,196 $2,998 $2,875 $2,905 $10,935 $11,479 $3,534 $3,555
American Family $2,462 $2,462 $2,223 $2,223 $5,947 $7,974 $2,462 $3,015
Farmers $2,980 $2,951 $2,696 $2,905 $11,414 $11,513 $3,283 $3,320
GEICO $1,848 $2,019 $1,950 $2,207 $5,747 $6,087 $1,692 $1,727
Liberty Mutual $1,606 $1,556 $1,381 $1,518 $4,837 $5,256 $1,615 $1,611
Nationwide $2,263 $2,300 $2,028 $2,139 $5,724 $7,310 $2,605 $2,810
Progressive $2,404 $2,251 $2,100 $2,093 $8,148 $9,102 $2,705 $2,630
State Farm $1,832 $1,832 $1,660 $1,660 $5,444 $6,876 $2,057 $2,440
USAA $2,057 $2,050 $1,967 $1,966 $5,179 $5,925 $2,639 $2,863

Buy Cheap Lucerne, CO Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lucerne, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,935 $11,479
American Family $5,947 $7,974
Farmers $11,414 $11,513
GEICO $5,747 $6,087
Liberty Mutual $4,837 $5,256
Nationwide $5,724 $7,310
Progressive $8,148 $9,102
State Farm $5,444 $6,876
USAA $5,179 $5,925

Buy Cheap Lucerne, CO Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lucerne, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,875 $2,905
American Family $2,223 $2,223
Farmers $2,696 $2,905
GEICO $1,950 $2,207
Liberty Mutual $1,381 $1,518
Nationwide $2,028 $2,139
Progressive $2,100 $2,093
State Farm $1,660 $1,660
USAA $1,967 $1,966

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

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

Annual Auto Insurance Rates by Coverage Level in Lucerne, Colorado

Insurance Company Low Medium High
Allstate $4,887 $5,166 $5,501
American Family $3,412 $3,670 $3,706
Farmers $4,521 $5,064 $5,814
GEICO $2,620 $2,854 $3,255
Liberty Mutual $2,268 $2,412 $2,587
Nationwide $3,381 $3,402 $3,409
Progressive $3,612 $3,941 $4,234
State Farm $2,759 $2,978 $3,188
USAA $2,936 $3,081 $3,226

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Find Cheap Lucerne, CO Auto Insurance Rates by Commute

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

Annual Auto Insurance Rates by Commute Length in Lucerne, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,185 $5,185
American Family $3,519 $3,673
Farmers $5,133 $5,133
GEICO $2,847 $2,972
Liberty Mutual $2,422 $2,422
Nationwide $3,397 $3,397
Progressive $3,929 $3,929
State Farm $2,901 $3,050
USAA $2,994 $3,168

Find Cheap Lucerne, CO Auto Insurance Rates by Driving Record

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

Annual Lucerne, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,434 $5,093 $6,199 $5,011
American Family $2,663 $3,777 $4,928 $3,017
Farmers $4,332 $5,575 $5,498 $5,126
GEICO $2,059 $3,192 $3,695 $2,692
Liberty Mutual $2,127 $2,489 $2,572 $2,502
Nationwide $2,618 $3,570 $4,523 $2,879
Progressive $3,402 $4,760 $3,590 $3,965
State Farm $2,725 $3,225 $2,975 $2,975
USAA $2,251 $2,747 $4,792 $2,534

Find Cheap Lucerne, CO Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lucerne, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,199
American Family $4,928
Farmers $5,498
GEICO $3,695
Liberty Mutual $2,572
Nationwide $4,523
Progressive $3,590
State Farm $2,975
USAA $4,792

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

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

Best Annual Auto Insurance Rates by Company in Lucerne, 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 Liberty Mutual

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Find Cheap Lucerne, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lucerne, Colorado

Insurance Company Average Annual Rates
Allstate $5,185
American Family $3,596
Farmers $5,133
GEICO $2,910
Liberty Mutual $2,422
Nationwide $3,397
Progressive $3,929
State Farm $2,975
USAA $3,081

What affects Lucerne, Colorado auto insurance rates?

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

Traffic in Lucerne

How is traffic in Lucerne, Colorado? Inrix data shows that Lucerne, CO traffic makes it the 326th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Lucerne, CO

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

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