Cheapest Car Insurance In Lakewood, CO 2025
Lakewood drivers can find the lowest minimum coverage rates with Colorado Farm Bureau, averaging $27 monthly.
We’ve saved shoppers an average of $600 per year on their car insurance.
When shopping for affordable car insurance in Lakewood, CO, expect to see a wide spread of rates.
For budget-friendly liability-only coverage, Colorado Farm Bureau comes out on top. State Farm delivers the best rates for full coverage, and State Farm offers the lowest prices for younger drivers.
Cheapest Car Insurance Companies In Lakewood, CO 2025
Cheapest Liability-only Car Insurance In Lakewood: Colorado Farm Bureau
Colorado Farm Bureau offers Lakewood drivers the most budget-friendly minimum coverage, with rates averaging $27 per month.
See the table below to compare rates offered by different car insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Colorado Farm Bureau | $27 | $324 |
| American Family | $44 | $528 |
| GEICO | $34 | $408 |
| State Farm | $50 | $600 |
| Progressive | $39 | $468 |
Cheapest Full Coverage Insurance Rates In Lakewood: State Farm
Lakewood drivers can find the lowest full coverage rates from State Farm, averaging $95 per month.
Below is a table listing average car insurance quotes from budget-friendly companies in Lakewood.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $95 | $1,140 |
| Auto-Owners | $170 | $2,040 |
| Nationwide | $158 | $1,896 |
| GEICO | $146 | $1,752 |
| American Family | $132 | $1,584 |
Cheapest Car Insurance Rates For Seniors: State Farm
Lakewood seniors can get the most budget-friendly car insurance from State Farm, with rates averaging $96 monthly.
Below is a comparison table showing average auto insurance quotes from the cheapest providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $96 | $1,152 |
| Metropolitan | $99 | $1,188 |
| NatGen Value | $105 | $1,260 |
| USAA | $101 | $1,212 |
| Colorado Farm Bureau | $104 | $1,248 |
Cheapest Rates In Lakewood For Teenagers: USAA
USAA delivers the most budget-friendly car insurance for teen drivers in Lakewood, with average monthly costs of $134.
Below is a side-by-side comparison of the cheapest car insurance options for teen drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $134 | $1,608 |
| Safeco | $189 | $2,268 |
| Colorado Farm Bureau | $179 | $2,148 |
| Titan | $211 | $2,532 |
| State Farm | $192 | $2,304 |
Cheapest Auto Insurance For Young Adults in Lakewood: State Farm
With average monthly premiums of $121, State Farm provides the best-value car insurance for young adults in Lakewood.
The table below shows which insurers offer the lowest rates for young adult drivers in Lakewood.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $121 | $1,452 |
| Colorado Farm Bureau | $164 | $1,968 |
| USAA | $132 | $1,584 |
| National Farmers Union | $176 | $2,112 |
| NatGen Value | $210 | $2,520 |
Cheapest Car Insurance In Lakewood For Good Drivers: Colorado Farm Bureau
Colorado Farm Bureau stands out as the most budget-friendly option for good drivers in Lakewood, offering rates near $27 per month.
Use the table below to see average rates from the most affordable car insurance companies for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Colorado Farm Bureau | $27 | $324 |
| American Family | $44 | $528 |
| GEICO | $34 | $408 |
| State Farm | $50 | $600 |
| Progressive | $39 | $468 |
Find affordable Lakewood rates
Cheapest Car Insurance In Lakewood After A Speeding Ticket: American National
American National offers competitive rates for drivers with a speeding ticket in Lakewood, averaging $94 a month.
The table below provides a breakdown of average rates for drivers with a speeding offense.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $94 | $1,130 |
| USAA | $139 | $1,670 |
| State Farm | $121 | $1,455 |
| GEICO | $217 | $2,601 |
| Farm Bureau | $204 | $2,446 |
Cheapest For Drivers With After At-Fault Accident: American National
American National provides the best-value car insurance for drivers with an at-fault record, with rates averaging $112 per month.
These car insurance companies provide the best-value rates for drivers with an at-fault incident.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $112 | $1,335 |
| USAA | $158 | $1,890 |
| State Farm | $130 | $1,561 |
| GEICO | $165 | $1,985 |
| Farm Bureau | $191 | $2,287 |
Cheapest Rates In Lakewood For Drivers After A DUI: American National
For Lakewood drivers with a DUI, American National stands out with the cheapest car insurance rates, averaging $118 per month.
Lakewood drivers with a DUI can compare the cheapest car insurance options in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $118 | $1,420 |
| Farm Bureau | $189 | $2,270 |
| USAA | $230 | $2,761 |
| State Farm | $121 | $1,452 |
| GEICO | $189 | $2,267 |
Best Car Insurance Companies In Lakewood
For affordable car insurance in Lakewood, Colorado Farm Bureau leads with $27 per month, followed by American National at $31 and GEICO at $34.
Below is a comparison of the top 10 car insurance companies in Lakewood, CO, ranked by average monthly cost.
| Company | Monthly Premium |
| Colorado Farm Bureau | $27 |
| American Family | $44 |
| GEICO | $34 |
| State Farm | $50 |
| Progressive | $39 |
| American National | $31 |
| Nationwide | $76 |
| Auto-Owners | $82 |
| Acuity | $49 |
| Travelers | $115 |
Average Auto Insurance Rates In Lakewood – By Age
Age is a major factor in car insurance costs. Younger, less experienced drivers are charged more because they are at higher risk for accidents. Teen drivers, for example, pay about $2,037 per year on average.
Once drivers reach 25, they typically enjoy lower premiums if their driving record remains clean.
The most budget-friendly insurance premiums often go to drivers in their 50s and 60s because insurers use age to gauge driving history and risk.
| Age | Average Yearly Rate |
| Teenagers | $2,037 |
| 20s | $1,993 |
| 30s | $2,161 |
| 40s | $1,523 |
| 50s | $1,459 |
| 60s | $1,300 |
| 70s | $1,581 |
Average Rates In Lakewood – By Vehicle
Your vehicle’s details—like its make, model, and age—help determine your insurance premium. Generally, newer luxury models with cutting-edge features cost more to insure due to their high repair and replacement costs.
Review the table below to see average insurance costs for various vehicles in Lakewood.
| Vehicle | Average Monthly Rate |
| Toyota Camry | $158 |
| Subaru Outback | $105 |
| Ford Ranger | $136 |
| Subaru Forester | $185 |
| GMC Yukon | $305 |
Average Cost Of Auto Insurance In Lakewood – By Zip Code
Your ZIP code affects your car insurance rate because insurers use it to assess local crime statistics and risk factors.
Review the table below to see average insurance rates by ZIP code in Lakewood.
| City | Average Monthly Rate |
| 80215 | $150 |
| 80227 | $148 |
| 80123 | $177 |
| 80226 | $148 |
| 80214 | $126 |
How Much Is Car Insurance In Other Cities in Colorado?
Insurers base your car insurance rates partly on your city of residence. Urban areas, which typically experience more accidents, theft, and vandalism, are seen as riskier, leading to higher premiums.
The average monthly cost of car insurance is $176 in Denver, while Grand Junction residents typically pay $112.
| City | Average Monthly Rate |
| Aurora | $178 |
| Broomfield | $137 |
| Arvada | $140 |
| Boulder | $130 |
| Fort Collins | $125 |
| Denver | $176 |
| Grand Junction | $112 |
| Golden | $155 |
| Greeley | $127 |
| Englewood | $138 |
Find affordable Lakewood rates
Our Methodology
With insights from customer service scores, coverage offerings, pricing analysis, and online feedback, I’ve put together a comprehensive review of Lakewood, CO car insurers.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Lakewood?
Colorado Farm Bureau provides Lakewood’s most budget-friendly rates for minimum coverage, while State Farm offers the lowest prices for full coverage with comprehensive and collision.
What is the average cost of car insurance in Lakewood?
In Lakewood, car insurance costs about $140 per month on average, but your actual premium depends on details like your ZIP code, vehicle, and driving record.
