Compare Lakewood, CO Car Insurance Rates (2021)

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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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 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Lakewood, 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 $3,734 $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.

Minimum Required Car Insurance Coverage in Lakewood, 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 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.

Annual Car Insurance Rates by Credit Score in Lakewood, Colorado

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.

Annual Lakewood, Colorado Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Lakewood, Colorado

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.

Annual Car Insurance Rates for Senior Drivers in Lakewood, Colorado

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.

Annual Car Insurance Rates After a DUI in Lakewood, Colorado

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.

Annual Car Insurance Rates by Commute Length in Lakewood, Colorado

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.

Annual Car Insurance Rates by ZIP Code in Lakewood, Colorado

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.

Average Annual Car Insurance Rates by Company in Lakewood, Colorado

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.

Best Annual Car Insurance Rates by Company in Lakewood, 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

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.

Annual Car Insurance Rates by Coverage Level in Lakewood, Colorado

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.

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

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