Compare Louisville, CO Car Insurance Rates (2021)

Car insurance in Louisville, CO averages $298 a month. Louisville, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Louisville car insurance rates, compare quotes from the top car insurance companies in Louisville, CO.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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 Louisville, CO after a DUI are $4,250/year
  • The cheapest car insurance company in Louisville is GEICO
  • The cheapest car insurance company in Louisville for teen drivers is USAA

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

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

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

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

How do age, gender, and marital status affect Louisville, CO car insurance rates? Every Louisville, 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 Louisville, 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 $3,087 $2,874 $2,811 $2,835 $11,235 $11,834 $3,342 $3,329
American Family $2,582 $2,582 $2,335 $2,335 $6,254 $8,436 $2,582 $3,154
Farmers $2,812 $2,796 $2,536 $2,742 $11,235 $11,396 $3,091 $3,113
GEICO $1,602 $1,771 $1,742 $2,008 $5,184 $5,471 $1,460 $1,469
Liberty Mutual $1,740 $1,673 $1,494 $1,647 $5,319 $5,786 $1,748 $1,740
Nationwide $2,245 $2,277 $2,018 $2,122 $5,702 $7,251 $2,587 $2,784
Progressive $2,282 $2,131 $2,015 $2,003 $7,988 $8,901 $2,562 $2,482
State Farm $1,864 $1,864 $1,694 $1,694 $5,546 $6,992 $2,093 $2,483
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 Louisville, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Louisville, Colorado

Insurance Company Poor Fair Good
Allstate $6,583 $5,087 $3,835
American Family $4,893 $3,508 $2,947
Farmers $5,739 $4,695 $4,461
GEICO $3,107 $2,588 $2,069
Liberty Mutual $3,760 $2,321 $1,849
Nationwide $4,068 $3,235 $2,817
Progressive $4,304 $3,689 $3,394
State Farm $4,200 $2,704 $2,183
USAA $4,097 $2,364 $1,904

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

Annual Louisville, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,374 $5,067 $6,247 $4,986
American Family $2,799 $3,965 $5,194 $3,173
Farmers $4,195 $5,403 $5,325 $4,939
GEICO $1,804 $2,840 $3,379 $2,330
Liberty Mutual $2,321 $2,719 $2,806 $2,728
Nationwide $2,612 $3,543 $4,472 $2,866
Progressive $3,280 $4,630 $3,458 $3,814
State Farm $2,772 $3,285 $3,029 $3,029
USAA $2,036 $2,491 $4,340 $2,287

Cheapest Louisville, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Louisville, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,235 $11,834
American Family $6,254 $8,436
Farmers $11,235 $11,396
GEICO $5,184 $5,471
Liberty Mutual $5,319 $5,786
Nationwide $5,702 $7,251
Progressive $7,988 $8,901
State Farm $5,546 $6,992
USAA $4,743 $5,405

Cheapest Louisville, CO Car Insurance for Seniors

Take a look at Louisville, 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 Louisville, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,811 $2,835
American Family $2,335 $2,335
Farmers $2,536 $2,742
GEICO $1,742 $2,008
Liberty Mutual $1,494 $1,647
Nationwide $2,018 $2,122
Progressive $2,015 $2,003
State Farm $1,694 $1,694
USAA $1,785 $1,771

Cheapest Louisville, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Louisville, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,247
American Family $5,194
Farmers $5,325
GEICO $3,379
Liberty Mutual $2,806
Nationwide $4,472
Progressive $3,458
State Farm $3,029
USAA $4,340

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Cheapest Louisville, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Louisville, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,168 $5,168
American Family $3,700 $3,865
Farmers $4,965 $4,965
GEICO $2,540 $2,637
Liberty Mutual $2,643 $2,643
Nationwide $3,373 $3,373
Progressive $3,795 $3,795
State Farm $2,954 $3,104
USAA $2,711 $2,866

The Best Cheap Car Insurance Companies in Louisville, CO

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

Average Annual Car Insurance Rates by Company in Louisville, Colorado

Insurance Company Average Annual Rates
Allstate $5,168
American Family $3,783
Farmers $4,965
GEICO $2,588
Liberty Mutual $2,643
Nationwide $3,373
Progressive $3,795
State Farm $3,029
USAA $2,789

Category Winners: Cheapest Car Insurance in Louisville, Colorado

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

Best Annual Car Insurance Rates by Company in Louisville, 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 Louisville, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Louisville, Colorado

Insurance Company Low Medium High
Allstate $4,837 $5,149 $5,519
American Family $3,569 $3,861 $3,918
Farmers $4,276 $4,882 $5,738
GEICO $2,293 $2,537 $2,934
Liberty Mutual $2,466 $2,632 $2,832
Nationwide $3,335 $3,378 $3,407
Progressive $3,466 $3,810 $4,110
State Farm $2,800 $3,030 $3,256
USAA $2,643 $2,788 $2,934

What affects car insurance rates in Louisville, Colorado?

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

Commute Time in Louisville

The more time you spend in your car the higher the risk of an accident. The average commute length in Louisville, CO is 23.1 minutes according to City-Data.

Traffic in Louisville

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Louisville, CO traffic data from INRIX ranks Louisville as the 597th-most congested in the world.

Compare Car Insurance Quotes in Louisville, CO

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

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