Best Lakewood, CO Car Insurance in 2024
Car insurance in Lakewood, CO averages $348 a month. Lakewood, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Lakewood car insurance rates, compare quotes from the top car insurance companies in Lakewood, CO.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest ZIP code in Lakewood is 80215
- The cheapest car insurance company in Lakewood for teen drivers is USAA
- The cheapest car insurance company in Lakewood is Liberty Mutual
If you need to buy Lakewood, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Lakewood, CO is right here.
You’ll find Lakewood car insurance rates, the cheapest Lakewood, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Lakewood, Colorado car insurance rates to Colorado Springs car insurance rates, Lakewood car insurance rates, and Denver car insurance rates.
Ready to find affordable Lakewood, CO car insurance today? Enter your ZIP code for fast, free Lakewood car insurance quotes.
Cheapest Lakewood, CO Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Lakewood, CO car insurance rates? Every Lakewood, Colorado car insurance company weighs these factors differently, so check out the comparison rates.
| 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 |
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Minimum Car Insurance in Lakewood, CO
Every driver must carry the minimum car insurance in Lakewood, CO. Take a look at the Colorado car insurance requirements.
| 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 |
Cheapest Lakewood, CO Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Lakewood, CO. Compare credit history car insurance rates in Lakewood from top companies for good, fair, and poor credit.
| 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 |
Cheapest Lakewood, CO Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Lakewood, CO to rates for a clean record with top companies.
| 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 |
Cheapest Lakewood, CO Car Insurance for Teen Drivers
Teen car insurance in Lakewood, CO can be expensive. Take a look at rates from the top car insurance companies in Lakewood for teenagers.
| 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 |
Cheapest Lakewood, CO Car Insurance for Seniors
Take a look at Lakewood, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| 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 |
Cheapest Lakewood, CO Car Insurance Rates After a DUI
A DUI in Lakewood, CO increases car insurance rates. Compare Lakewood, Colorado DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car 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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Cheapest Lakewood, CO Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Lakewood, CO by commute? Take a look at a comparison of the top companies by commute length.
| 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 |
Cheapest Lakewood, CO Car Insurance Rates by ZIP Code
Lakewood car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Lakewood, CO.
| ZIP Code | Average Annual Rates |
|---|---|
| 80215 | $3,793 |
| 80226 | $3,945 |
| 80227 | $3,956 |
| 80228 | $3,859 |
The Best Cheap Car Insurance Companies in Lakewood, CO
Take a look at a side-by-side comparison of the top car insurance companies in Lakewood, CO to find the best option for your needs.
| 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 |
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Category Winners: Cheapest Car Insurance in Lakewood, Colorado
Find the cheapest car insurance companies in Lakewood, CO for each category right here.
| 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 |
Cheapest Lakewood, CO Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Lakewood car insurance rates. Find the cheapest Lakewood, CO car insurance rates by coverage level.
| 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 |
What affects car insurance rates in Lakewood, Colorado?
What factors can have an impact on Lakewood, CO car insurance? There are several reasons why Lakewood car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Lakewood, Colorado.
Commute Time in Lakewood
The more time you spend in your car the higher the risk of an accident. The average commute length in Lakewood, CO is 27.2 minutes according to City-Data.
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Compare Car Insurance Quotes in Lakewood, CO
Ready to find affordable Lakewood, Colorado car insurance today? Enter your ZIP code for fast, free Lakewood, CO car insurance quotes.
Frequently Asked Questions
How can I compare car insurance rates in Lakewood, CO?
To compare car insurance rates in Lakewood, CO, you can follow these steps:
- Research Insurance Companies: Gather a list of insurance companies that provide coverage in Lakewood, CO.
- Request Quotes: Contact each insurance company on your list and request a quote for car insurance specific to Lakewood.
- Provide Necessary Information: Be prepared to provide information about yourself, your vehicle, and your driving history when requesting quotes.
- Compare Quotes: Once you receive quotes from multiple insurers, compare the coverage options, premiums, deductibles, and any additional features or benefits offered.
- Consider Coverage Needs: Evaluate your specific coverage needs and choose a policy that offers adequate protection for your vehicle at a price that fits your budget.
What factors can influence car insurance rates in Lakewood, CO?
Several factors can influence car insurance rates in Lakewood, CO. These factors may include:
- Age and driving experience: Younger and less experienced drivers generally face higher insurance rates compared to older and more experienced drivers.
- Vehicle make and model: The type of vehicle you own can impact insurance rates. Factors such as the vehicle’s safety features, repair costs, and likelihood of theft can influence premiums.
- Location: The area where you live in Lakewood, CO, can affect insurance rates. Factors such as crime rates, accident frequency, and population density in the area can influence premiums.
- Driver’s record: Your driving history, including any accidents, traffic violations, or claims, can affect insurance rates. A clean driving record generally leads to lower premiums.
Are there any discounts available to reduce car insurance rates in Lakewood, CO?
Yes, there may be discounts available to reduce car insurance rates in Lakewood, CO. Some common discounts that may be applicable include:
- Multi-vehicle discount: Insuring multiple vehicles with the same insurance provider can often lead to a discount on premiums.
- Good driver discount: If you have a clean driving record with no accidents or violations, you may qualify for a good driver discount.
- Bundling discounts: If you have other insurance policies, such as homeowners or renters insurance, bundling them with your car insurance from the same provider may result in a discount.
- Safety features discount: Vehicles equipped with advanced safety features may be eligible for a discount. Check with your insurance company to see which safety features qualify.
- Good student discount: If you or a family member on your policy is a full-time student with good grades, you may be eligible for a discount.
Do car insurance rates vary among insurance companies in Lakewood, CO?
Yes, car insurance rates can vary among insurance companies in Lakewood, CO. Each insurance company uses its own formula to calculate rates, considering factors such as your driving profile, vehicle details, and their claims experience. It’s important to compare quotes from multiple insurers to find the best coverage and rates for your specific needs.
Can I change my car insurance policy in Lakewood, CO if I find a better rate?
Yes, you have the option to change your car insurance policy in Lakewood, CO if you find a better rate. Before making any changes, review the terms and conditions of your current policy, including any cancellation fees or potential gaps in coverage. It’s also recommended to reach out to your current insurer to discuss any concerns or potential discounts they may offer to retain your business.
Are there any specific considerations for car insurance in Lakewood, CO?
Yes, there are a few specific considerations for car insurance in Lakewood, CO. These include:
- Severe weather events: Lakewood experiences a range of weather conditions, including hailstorms and heavy snowfall. It’s important to ensure that your car insurance policy includes comprehensive coverage to protect against damage from such events.
- Uninsured/Underinsured motorist coverage: Colorado has a relatively high rate of uninsured drivers. Considering adding uninsured/underinsured motorist coverage to your policy to protect yourself in case of an accident with an uninsured or underinsured driver.
- Traffic congestion: Lakewood is a densely populated area with significant traffic congestion. This can increase the risk of accidents. It’s important to have adequate liability coverage to protect yourself in case of an at-fault accident.
- Local driving habits and road conditions: Familiarize yourself with the local driving habits and road conditions in Lakewood. This can help you assess your coverage needs more accurately and make informed decisions when comparing insurance quotes.
Are there any specific factors that affect car insurance rates in Lakewood, CO?
Yes, some specific factors can affect car insurance rates in Lakewood, CO. These factors may include:
- ZIP code: Insurance companies often consider the ZIP code where your vehicle is primarily parked when determining rates. Areas with higher crime rates or higher rates of accidents may result in higher premiums.
- Commute distance: The distance you regularly commute to work or school can influence your insurance rates. Longer commutes may increase the risk of accidents, impacting premiums.
- Coverage limits and deductibles: The coverage limits you choose for your policy and the deductible amount can affect your insurance rates. Higher coverage limits and lower deductibles typically result in higher premiums.
- Credit history: In some states, including Colorado, insurance companies may use credit history as a factor in determining rates. Maintaining good credit can potentially result in lower insurance premiums.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michael Leotta
Insurance Operations Specialist
Michael earned a degree in Business Management degree with an insurance focus, which led to a successful 25-year career in insurance claims operations and support. He possesses a high-level of business acumen across multiple areas of the insurance industry. Over the course of his career, he served in multiple roles supporting claims operations including: Claims Specialist, Claims Trainer, Claim Au...
Insurance Operations Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.