Compare Lucerne, CO Car Insurance Rates (2021)

Car insurance in Lucerne, CO averages $302 a month. Lucerne, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Lucerne car insurance rates, compare quotes from the top car insurance companies in Lucerne, 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 Lucerne, CO after a DUI are $4,308/year
  • Average car insurance rates in Lucerne, CO are $3,625/year
  • The cheapest car insurance company in Lucerne is Liberty Mutual

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

You’ll find Lucerne car insurance rates, the cheapest Lucerne, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Lucerne, Colorado car insurance rates to Lakewood car insurance rates, Pueblo car insurance rates, and Aurora car insurance rates.

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

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

How do age, gender, and marital status affect Lucerne, CO car insurance rates? Every Lucerne, 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 Lucerne, 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 $3,196 $2,998 $2,875 $2,905 $10,935 $11,479 $3,534 $3,555
American Family $2,462 $2,462 $2,223 $2,223 $5,947 $7,974 $2,462 $3,015
Farmers $2,980 $2,951 $2,696 $2,905 $11,414 $11,513 $3,283 $3,320
GEICO $1,848 $2,019 $1,950 $2,207 $5,747 $6,087 $1,692 $1,727
Liberty Mutual $1,606 $1,556 $1,381 $1,518 $4,837 $5,256 $1,615 $1,611
Nationwide $2,263 $2,300 $2,028 $2,139 $5,724 $7,310 $2,605 $2,810
Progressive $2,404 $2,251 $2,100 $2,093 $8,148 $9,102 $2,705 $2,630
State Farm $1,832 $1,832 $1,660 $1,660 $5,444 $6,876 $2,057 $2,440
USAA $2,057 $2,050 $1,967 $1,966 $5,179 $5,925 $2,639 $2,863

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Minimum Car Insurance in Lucerne, CO

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

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

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

Annual Car Insurance Rates by Credit Score in Lucerne, Colorado

Insurance Company Poor Fair Good
Allstate $6,612 $5,094 $3,848
American Family $4,668 $3,327 $2,793
Farmers $5,946 $4,847 $4,605
GEICO $3,497 $2,910 $2,323
Liberty Mutual $3,447 $2,125 $1,694
Nationwide $4,099 $3,254 $2,838
Progressive $4,472 $3,815 $3,500
State Farm $4,133 $2,654 $2,138
USAA $4,549 $2,604 $2,090

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

Annual Lucerne, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,434 $5,093 $6,199 $5,011
American Family $2,663 $3,777 $4,928 $3,017
Farmers $4,332 $5,575 $5,498 $5,126
GEICO $2,059 $3,192 $3,695 $2,692
Liberty Mutual $2,127 $2,489 $2,572 $2,502
Nationwide $2,618 $3,570 $4,523 $2,879
Progressive $3,402 $4,760 $3,590 $3,965
State Farm $2,725 $3,225 $2,975 $2,975
USAA $2,251 $2,747 $4,792 $2,534

Cheapest Lucerne, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Lucerne, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,935 $11,479
American Family $5,947 $7,974
Farmers $11,414 $11,513
GEICO $5,747 $6,087
Liberty Mutual $4,837 $5,256
Nationwide $5,724 $7,310
Progressive $8,148 $9,102
State Farm $5,444 $6,876
USAA $5,179 $5,925

Cheapest Lucerne, CO Car Insurance for Seniors

Take a look at Lucerne, 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 Lucerne, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,875 $2,905
American Family $2,223 $2,223
Farmers $2,696 $2,905
GEICO $1,950 $2,207
Liberty Mutual $1,381 $1,518
Nationwide $2,028 $2,139
Progressive $2,100 $2,093
State Farm $1,660 $1,660
USAA $1,967 $1,966

Cheapest Lucerne, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Lucerne, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,199
American Family $4,928
Farmers $5,498
GEICO $3,695
Liberty Mutual $2,572
Nationwide $4,523
Progressive $3,590
State Farm $2,975
USAA $4,792

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Cheapest Lucerne, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Lucerne, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,185 $5,185
American Family $3,519 $3,673
Farmers $5,133 $5,133
GEICO $2,847 $2,972
Liberty Mutual $2,422 $2,422
Nationwide $3,397 $3,397
Progressive $3,929 $3,929
State Farm $2,901 $3,050
USAA $2,994 $3,168

The Best Cheap Car Insurance Companies in Lucerne, CO

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

Average Annual Car Insurance Rates by Company in Lucerne, Colorado

Insurance Company Average Annual Rates
Allstate $5,185
American Family $3,596
Farmers $5,133
GEICO $2,910
Liberty Mutual $2,422
Nationwide $3,397
Progressive $3,929
State Farm $2,975
USAA $3,081

Category Winners: Cheapest Car Insurance in Lucerne, Colorado

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

Best Annual Car Insurance Rates by Company in Lucerne, Colorado

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

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Cheapest Lucerne, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Lucerne, Colorado

Insurance Company Low Medium High
Allstate $4,887 $5,166 $5,501
American Family $3,412 $3,670 $3,706
Farmers $4,521 $5,064 $5,814
GEICO $2,620 $2,854 $3,255
Liberty Mutual $2,268 $2,412 $2,587
Nationwide $3,381 $3,402 $3,409
Progressive $3,612 $3,941 $4,234
State Farm $2,759 $2,978 $3,188
USAA $2,936 $3,081 $3,226

What affects car insurance rates in Lucerne, Colorado?

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

Traffic in Lucerne

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Lucerne, CO traffic data from INRIX ranks Lucerne as the 326th-most congested in the world.

Compare Car Insurance Quotes in Lucerne, CO

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

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Average Monthly Car Insurance Rates by State