Compare Lakewood, CO Car Insurance Rates [2023]
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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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
UPDATED: Oct 20, 2022
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 20, 2022
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.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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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.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
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...
Founder & CFP®
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.