Compare La Junta, CO Car Insurance Rates (2021)

Car insurance in La Junta, CO averages $323 a month. La Junta, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap La Junta car insurance rates, compare quotes from the top car insurance companies in La Junta, CO.

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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.

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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...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in La Junta is State Farm
  • Average car insurance rates in La Junta, CO after a DUI are $4,606/year
  • The cheapest car insurance company in La Junta for teen drivers is State Farm

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

You’ll find La Junta car insurance rates, the cheapest La Junta, CO car insurance companies, and information on Colorado car insurance laws. You can also compare La Junta, Colorado car insurance rates to Arvada car insurance rates, Greeley car insurance rates, and Centennial car insurance rates.

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

Cheapest La Junta, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect La Junta, CO car insurance rates? Every La Junta, 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 La Junta, 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 $3,166 $2,973 $2,838 $2,870 $10,635 $11,138 $3,516 $3,549
American Family $2,301 $2,301 $2,070 $2,070 $5,559 $7,395 $2,301 $2,831
Farmers $3,232 $3,195 $2,951 $3,207 $11,636 $11,534 $3,500 $3,489
GEICO $2,262 $2,432 $2,320 $2,581 $6,808 $7,210 $2,084 $2,141
Liberty Mutual $1,912 $1,887 $1,620 $1,775 $5,236 $5,701 $1,929 $1,962
Nationwide $2,672 $2,731 $2,380 $2,529 $6,687 $8,617 $3,064 $3,325
Progressive $3,029 $2,859 $2,545 $2,567 $9,105 $10,187 $3,431 $3,357
State Farm $1,693 $1,693 $1,509 $1,509 $4,709 $5,972 $1,889 $2,238
USAA $2,437 $2,461 $2,298 $2,340 $5,826 $6,723 $3,151 $3,474

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Minimum Car Insurance in La Junta, CO

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

Minimum Required Car Insurance Coverage in La Junta, 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 La Junta, CO Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in La Junta, Colorado

Insurance Company Poor Fair Good
Allstate $6,490 $4,992 $3,775
American Family $4,381 $3,091 $2,589
Farmers $6,266 $5,008 $4,755
GEICO $4,188 $3,479 $2,771
Liberty Mutual $3,951 $2,395 $1,912
Nationwide $4,848 $3,820 $3,334
Progressive $5,339 $4,489 $4,078
State Farm $3,680 $2,367 $1,909
USAA $5,346 $3,014 $2,405

Cheapest La Junta, 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 La Junta, CO to rates for a clean record with top companies.

Annual La Junta, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,358 $4,995 $6,071 $4,918
American Family $2,482 $3,532 $4,589 $2,811
Farmers $4,517 $5,799 $5,728 $5,329
GEICO $2,491 $3,832 $4,302 $3,293
Liberty Mutual $2,398 $2,818 $2,946 $2,849
Nationwide $3,053 $4,207 $5,371 $3,372
Progressive $4,041 $5,475 $4,270 $4,753
State Farm $2,451 $2,852 $2,652 $2,652
USAA $2,644 $3,195 $5,527 $2,989

Cheapest La Junta, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in La Junta, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,635 $11,138
American Family $5,559 $7,395
Farmers $11,636 $11,534
GEICO $6,808 $7,210
Liberty Mutual $5,236 $5,701
Nationwide $6,687 $8,617
Progressive $9,105 $10,187
State Farm $4,709 $5,972
USAA $5,826 $6,723

Cheapest La Junta, CO Car Insurance for Seniors

Take a look at La Junta, 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 La Junta, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,838 $2,870
American Family $2,070 $2,070
Farmers $2,951 $3,207
GEICO $2,320 $2,581
Liberty Mutual $1,620 $1,775
Nationwide $2,380 $2,529
Progressive $2,545 $2,567
State Farm $1,509 $1,509
USAA $2,298 $2,340

Cheapest La Junta, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in La Junta, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,071
American Family $4,589
Farmers $5,728
GEICO $4,302
Liberty Mutual $2,946
Nationwide $5,371
Progressive $4,270
State Farm $2,652
USAA $5,527

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Cheapest La Junta, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in La Junta, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,086 $5,086
American Family $3,283 $3,424
Farmers $5,343 $5,343
GEICO $3,397 $3,562
Liberty Mutual $2,753 $2,753
Nationwide $4,001 $4,001
Progressive $4,635 $4,635
State Farm $2,588 $2,715
USAA $3,485 $3,692

The Best Cheap Car Insurance Companies in La Junta, CO

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

Average Annual Car Insurance Rates by Company in La Junta, Colorado

Insurance Company Average Annual Rates
Allstate $5,086
American Family $3,353
Farmers $5,343
GEICO $3,480
Liberty Mutual $2,753
Nationwide $4,001
Progressive $4,635
State Farm $2,652
USAA $3,589

Category Winners: Cheapest Car Insurance in La Junta, Colorado

Find the cheapest car insurance companies in La Junta, CO for each category right here.

Best Annual Car Insurance Rates by Company in La Junta, Colorado

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record Liberty Mutual
With 1 Accident Liberty Mutual
With 1 DUI State Farm
With 1 Speeding Violation State Farm

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Cheapest La Junta, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in La Junta, Colorado

Insurance Company Low Medium High
Allstate $4,806 $5,068 $5,382
American Family $3,205 $3,423 $3,432
Farmers $4,612 $5,259 $6,158
GEICO $3,183 $3,423 $3,833
Liberty Mutual $2,609 $2,742 $2,907
Nationwide $4,052 $4,001 $3,949
Progressive $4,367 $4,644 $4,893
State Farm $2,499 $2,651 $2,806
USAA $3,452 $3,588 $3,726

What affects car insurance rates in La Junta, Colorado?

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

Commute Time in La Junta

The more time you spend in your car the higher the risk of an accident. The average commute length in La Junta, CO is 13.3 minutes according to City-Data.

Compare Car Insurance Quotes in La Junta, CO

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

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