Compare Lafayette, CO Car Insurance Rates (2021)

Car insurance in Lafayette, CO averages $295 a month. Lafayette, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Lafayette car insurance rates, compare quotes from the top car insurance companies in Lafayette, 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

  • Average car insurance rates in Lafayette, CO after a DUI are $4,227/year
  • The cheapest car insurance company in Lafayette for teen drivers is USAA
  • Average car insurance rates in Lafayette, CO are $3,542/year

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

You’ll find Lafayette car insurance rates, the cheapest Lafayette, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Lafayette, Colorado car insurance rates to Centennial car insurance rates, Fort Collins car insurance rates, and Aurora car insurance rates.

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

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

How do age, gender, and marital status affect Lafayette, CO car insurance rates? Every Lafayette, 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 Lafayette, 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 $3,105 $2,892 $2,826 $2,850 $11,264 $11,865 $3,367 $3,355
American Family $2,582 $2,582 $2,335 $2,335 $6,254 $8,436 $2,582 $3,154
Farmers $2,709 $2,682 $2,447 $2,644 $10,611 $10,716 $2,980 $3,001
GEICO $1,707 $1,891 $1,876 $2,177 $5,526 $5,812 $1,550 $1,551
Liberty Mutual $1,614 $1,549 $1,386 $1,528 $5,154 $5,614 $1,626 $1,619
Nationwide $2,245 $2,277 $2,018 $2,122 $5,702 $7,251 $2,587 $2,784
Progressive $2,164 $2,025 $1,934 $1,919 $7,546 $8,392 $2,417 $2,338
State Farm $1,933 $1,933 $1,760 $1,760 $5,809 $7,320 $2,172 $2,578
USAA $1,854 $1,837 $1,785 $1,771 $4,743 $5,405 $2,366 $2,549

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Minimum Car Insurance in Lafayette, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Lafayette, Colorado

Insurance Company Poor Fair Good
Allstate $6,611 $5,109 $3,851
American Family $4,893 $3,508 $2,947
Farmers $5,463 $4,466 $4,243
GEICO $3,317 $2,761 $2,206
Liberty Mutual $3,564 $2,210 $1,759
Nationwide $4,068 $3,235 $2,817
Progressive $4,077 $3,492 $3,207
State Farm $4,381 $2,819 $2,274
USAA $4,097 $2,364 $1,904

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

Annual Lafayette, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,395 $5,089 $6,269 $5,008
American Family $2,799 $3,965 $5,194 $3,173
Farmers $3,987 $5,138 $5,065 $4,706
GEICO $1,919 $3,032 $3,615 $2,478
Liberty Mutual $2,212 $2,583 $2,659 $2,590
Nationwide $2,612 $3,543 $4,472 $2,866
Progressive $3,099 $4,402 $3,267 $3,599
State Farm $2,887 $3,430 $3,158 $3,158
USAA $2,036 $2,491 $4,340 $2,287

Cheapest Lafayette, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lafayette, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,264 $11,865
American Family $6,254 $8,436
Farmers $10,611 $10,716
GEICO $5,526 $5,812
Liberty Mutual $5,154 $5,614
Nationwide $5,702 $7,251
Progressive $7,546 $8,392
State Farm $5,809 $7,320
USAA $4,743 $5,405

Cheapest Lafayette, CO Car Insurance for Seniors

Take a look at Lafayette, 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 Lafayette, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,826 $2,850
American Family $2,335 $2,335
Farmers $2,447 $2,644
GEICO $1,876 $2,177
Liberty Mutual $1,386 $1,528
Nationwide $2,018 $2,122
Progressive $1,934 $1,919
State Farm $1,760 $1,760
USAA $1,785 $1,771

Cheapest Lafayette, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lafayette, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,269
American Family $5,194
Farmers $5,065
GEICO $3,615
Liberty Mutual $2,659
Nationwide $4,472
Progressive $3,267
State Farm $3,158
USAA $4,340

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Cheapest Lafayette, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lafayette, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,190 $5,190
American Family $3,700 $3,865
Farmers $4,724 $4,724
GEICO $2,708 $2,814
Liberty Mutual $2,511 $2,511
Nationwide $3,373 $3,373
Progressive $3,592 $3,592
State Farm $3,079 $3,237
USAA $2,711 $2,866

The Best Cheap Car Insurance Companies in Lafayette, CO

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

Average Annual Car Insurance Rates by Company in Lafayette, Colorado

Insurance Company Average Annual Rates
Allstate $5,190
American Family $3,783
Farmers $4,724
GEICO $2,761
Liberty Mutual $2,511
Nationwide $3,373
Progressive $3,592
State Farm $3,158
USAA $2,789

Category Winners: Cheapest Car Insurance in Lafayette, Colorado

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

Best Annual Car Insurance Rates by Company in Lafayette, 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

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Cheapest Lafayette, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lafayette, Colorado

Insurance Company Low Medium High
Allstate $4,859 $5,171 $5,541
American Family $3,569 $3,861 $3,918
Farmers $4,126 $4,655 $5,389
GEICO $2,404 $2,695 $3,185
Liberty Mutual $2,344 $2,502 $2,688
Nationwide $3,335 $3,378 $3,407
Progressive $3,225 $3,606 $3,944
State Farm $2,915 $3,161 $3,399
USAA $2,643 $2,788 $2,934

What affects car insurance rates in Lafayette, Colorado?

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

Commute Time in Lafayette

The more time you spend in your car the higher the risk of an accident. The average commute length in Lafayette, CO is 25.2 minutes according to City-Data.

Traffic in Lafayette

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lafayette, CO traffic data from INRIX ranks Lafayette as the 617th-most congested in the world.

Compare Car Insurance Quotes in Lafayette, CO

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

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