Compare Grand Lake, CO Car Insurance Rates (2021)

Car insurance in Grand Lake, CO averages $309 a month. Grand Lake, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Grand Lake car insurance rates, compare quotes from the top car insurance companies in Grand Lake, CO.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

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.

Here's What You Need to Know

  • Average car insurance rates in Grand Lake, CO after a DUI are $4,408/year
  • The cheapest car insurance company in Grand Lake is Liberty Mutual
  • Average car insurance rates in Grand Lake, CO are $3,708/year

If you need to buy Grand Lake, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Grand Lake, CO is right here.

You’ll find Grand Lake car insurance rates, the cheapest Grand Lake, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Grand Lake, Colorado car insurance rates to Pueblo car insurance rates, Colorado Springs car insurance rates, and Boulder car insurance rates.

Ready to find affordable Grand Lake, CO car insurance today? Enter your ZIP code for fast, free Grand Lake car insurance quotes.

Cheapest Grand Lake, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Grand Lake, CO car insurance rates? Every Grand Lake, Colorado car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Grand Lake, 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 $2,889 $2,696 $2,611 $2,637 $10,131 $10,653 $3,158 $3,172
American Family $2,508 $2,508 $2,263 $2,263 $6,096 $8,166 $2,508 $3,089
Farmers $2,896 $2,875 $2,623 $2,820 $10,811 $10,916 $3,182 $3,227
GEICO $2,017 $2,193 $2,090 $2,332 $6,178 $6,577 $1,852 $1,906
Liberty Mutual $1,860 $1,842 $1,558 $1,709 $5,366 $5,873 $1,889 $1,941
Nationwide $2,332 $2,376 $2,085 $2,204 $5,929 $7,587 $2,685 $2,900
Progressive $2,460 $2,300 $2,140 $2,134 $8,402 $9,395 $2,775 $2,699
State Farm $2,113 $2,113 $1,895 $1,895 $6,035 $7,637 $2,362 $2,803
USAA $2,166 $2,173 $2,054 $2,068 $5,365 $6,151 $2,787 $3,043

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Grand Lake, CO

Every driver must carry the minimum car insurance in Grand Lake, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car Insurance Coverage in Grand Lake, 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

Cheapest Grand Lake, CO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Grand Lake, CO. Compare credit history car insurance rates in Grand Lake from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Grand Lake, Colorado

Insurance Company Poor Fair Good
Allstate $6,040 $4,663 $3,528
American Family $4,787 $3,396 $2,842
Farmers $5,710 $4,638 $4,409
GEICO $3,780 $3,143 $2,506
Liberty Mutual $3,947 $2,401 $1,917
Nationwide $4,245 $3,363 $2,929
Progressive $4,591 $3,921 $3,602
State Farm $4,659 $2,995 $2,415
USAA $4,786 $2,717 $2,174

Cheapest Grand Lake, 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 Grand Lake, CO to rates for a clean record with top companies.

Annual Grand Lake, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,029 $4,643 $5,720 $4,582
American Family $2,716 $3,857 $5,047 $3,081
Farmers $4,161 $5,336 $5,261 $4,917
GEICO $2,239 $3,440 $3,949 $2,945
Liberty Mutual $2,406 $2,820 $2,946 $2,848
Nationwide $2,701 $3,691 $4,685 $2,973
Progressive $3,498 $4,886 $3,691 $4,077
State Farm $3,091 $3,622 $3,357 $3,357
USAA $2,359 $2,868 $5,018 $2,659

Cheapest Grand Lake, CO Car Insurance for Teen Drivers

Teen car insurance in Grand Lake, CO can be expensive. Take a look at rates from the top car insurance companies in Grand Lake for teenagers.

Annual Car Insurance Rates for Teen Drivers in Grand Lake, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,131 $10,653
American Family $6,096 $8,166
Farmers $10,811 $10,916
GEICO $6,178 $6,577
Liberty Mutual $5,366 $5,873
Nationwide $5,929 $7,587
Progressive $8,402 $9,395
State Farm $6,035 $7,637
USAA $5,365 $6,151

Cheapest Grand Lake, CO Car Insurance for Seniors

Take a look at Grand Lake, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Grand Lake, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,611 $2,637
American Family $2,263 $2,263
Farmers $2,623 $2,820
GEICO $2,090 $2,332
Liberty Mutual $1,558 $1,709
Nationwide $2,085 $2,204
Progressive $2,140 $2,134
State Farm $1,895 $1,895
USAA $2,054 $2,068

Cheapest Grand Lake, CO Car Insurance Rates After a DUI

A DUI in Grand Lake, CO increases car insurance rates. Compare Grand Lake, Colorado DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Grand Lake, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,720
American Family $5,047
Farmers $5,261
GEICO $3,949
Liberty Mutual $2,946
Nationwide $4,685
Progressive $3,691
State Farm $3,357
USAA $5,018

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Grand Lake, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Grand Lake, CO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Grand Lake, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,743 $4,743
American Family $3,597 $3,754
Farmers $4,919 $4,919
GEICO $3,075 $3,212
Liberty Mutual $2,755 $2,755
Nationwide $3,512 $3,512
Progressive $4,038 $4,038
State Farm $3,275 $3,438
USAA $3,134 $3,317

The Best Cheap Car Insurance Companies in Grand Lake, CO

Take a look at a side-by-side comparison of the top car insurance companies in Grand Lake, CO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Grand Lake, Colorado

Insurance Company Average Annual Rates
Allstate $4,743
American Family $3,675
Farmers $4,919
GEICO $3,143
Liberty Mutual $2,755
Nationwide $3,512
Progressive $4,038
State Farm $3,357
USAA $3,226

Category Winners: Cheapest Car Insurance in Grand Lake, Colorado

Find the cheapest car insurance companies in Grand Lake, CO for each category right here.

Best Annual Car Insurance Rates by Company in Grand Lake, 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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Grand Lake, CO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Grand Lake car insurance rates. Find the cheapest Grand Lake, CO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Grand Lake, Colorado

Insurance Company Low Medium High
Allstate $4,501 $4,728 $5,002
American Family $3,521 $3,751 $3,754
Farmers $4,333 $4,851 $5,572
GEICO $2,892 $3,096 $3,442
Liberty Mutual $2,629 $2,748 $2,889
Nationwide $3,535 $3,511 $3,491
Progressive $3,740 $4,050 $4,324
State Farm $3,145 $3,357 $3,568
USAA $3,096 $3,225 $3,356

What affects car insurance rates in Grand Lake, Colorado?

What factors can have an impact on Grand Lake, CO car insurance? There are several reasons why Grand Lake car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Grand Lake, Colorado.

Commute Time in Grand Lake

The more time you spend in your car the higher the risk of an accident. The average commute length in Grand Lake, CO is 14.4 minutes according to City-Data.

Compare Car Insurance Quotes in Grand Lake, CO

Ready to find affordable Grand Lake, Colorado car insurance today? Enter your ZIP code for fast, free Grand Lake, CO car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption