Best Cheap Auto Insurance in Grand Lake, CO (2021)

The average Grand Lake, CO auto insurance rates are $309 per month. The minimum auto insurance in Grand Lake is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Grand Lake, Colorado, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Grand Lake for teen drivers is Farmers
  • The minimum auto insurance required in Grand Lake, Colorado is 25/50/15
  • Average auto insurance rates in Grand Lake, CO for senior drivers are $2,188 per year

Grand Lake, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Grand Lake can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Grand Lake, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in Grand Lake to other Colorado cities, including Thornton auto insurance rates, Arvada auto insurance rates, and Lakewood auto insurance rates to see how Grand Lake, Colorado auto insurance rates stack up.

Before you buy Grand Lake, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Grand Lake, Colorado auto insurance quotes.

Minimum Auto Insurance in Grand Lake, Colorado

Grand Lake, Colorado auto insurance laws require that you have at least the Colorado minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Grand Lake, Colorado.

Minimum Required Auto Insurance Coverage in Grand Lake, 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

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Cheap Grand Lake, Colorado Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Grand Lake, Colorado are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Grand Lake, 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 $2,889 $2,696 $2,611 $2,637 $10,131 $10,653 $3,158 $3,172
American Family $2,508 $2,508 $2,263 $2,263 $6,096 $8,166 $2,508 $3,089
Farmers $2,896 $2,875 $2,623 $2,820 $10,811 $10,916 $3,182 $3,227
GEICO $2,017 $2,193 $2,090 $2,332 $6,178 $6,577 $1,852 $1,906
Liberty Mutual $1,860 $1,842 $1,558 $1,709 $5,366 $5,873 $1,889 $1,941
Nationwide $2,332 $2,376 $2,085 $2,204 $5,929 $7,587 $2,685 $2,900
Progressive $2,460 $2,300 $2,140 $2,134 $8,402 $9,395 $2,775 $2,699
State Farm $2,113 $2,113 $1,895 $1,895 $6,035 $7,637 $2,362 $2,803
USAA $2,166 $2,173 $2,054 $2,068 $5,365 $6,151 $2,787 $3,043

Cheap Grand Lake, Colorado Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Grand Lake, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Grand Lake, Colorado.

Annual Auto Insurance Rates for Teen Drivers in Grand Lake, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,131 $10,653
American Family $6,096 $8,166
Farmers $10,811 $10,916
GEICO $6,178 $6,577
Liberty Mutual $5,366 $5,873
Nationwide $5,929 $7,587
Progressive $8,402 $9,395
State Farm $6,035 $7,637
USAA $5,365 $6,151

Cheap Grand Lake, Colorado Auto Insurance for Seniors

What are senior auto insurance rates in Grand Lake, Colorado? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Grand Lake, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,611 $2,637
American Family $2,263 $2,263
Farmers $2,623 $2,820
GEICO $2,090 $2,332
Liberty Mutual $1,558 $1,709
Nationwide $2,085 $2,204
Progressive $2,140 $2,134
State Farm $1,895 $1,895
USAA $2,054 $2,068

Cheap Grand Lake, Colorado Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Grand Lake, Colorado compared to the annual auto insurance rates with a clean record in Grand Lake, Colorado.

Annual Grand Lake, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,029 $4,643 $5,720 $4,582
American Family $2,716 $3,857 $5,047 $3,081
Farmers $4,161 $5,336 $5,261 $4,917
GEICO $2,239 $3,440 $3,949 $2,945
Liberty Mutual $2,406 $2,820 $2,946 $2,848
Nationwide $2,701 $3,691 $4,685 $2,973
Progressive $3,498 $4,886 $3,691 $4,077
State Farm $3,091 $3,622 $3,357 $3,357
USAA $2,359 $2,868 $5,018 $2,659

Cheap Grand Lake, Colorado Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Grand Lake, Colorado is not easy. Compare the annual rates for DUI auto insurance in Grand Lake, Colorado to find the best deal.

Annual Auto Insurance Rates After a DUI in Grand Lake, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,720
American Family $5,047
Farmers $5,261
GEICO $3,949
Liberty Mutual $2,946
Nationwide $4,685
Progressive $3,691
State Farm $3,357
USAA $5,018

Cheap Grand Lake, Colorado Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Grand Lake, Colorado annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Grand Lake, Colorado

Insurance Company Poor Fair Good
Allstate $6,040 $4,663 $3,528
American Family $4,787 $3,396 $2,842
Farmers $5,710 $4,638 $4,409
GEICO $3,780 $3,143 $2,506
Liberty Mutual $3,947 $2,401 $1,917
Nationwide $4,245 $3,363 $2,929
Progressive $4,591 $3,921 $3,602
State Farm $4,659 $2,995 $2,415
USAA $4,786 $2,717 $2,174

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Cheap Grand Lake, Colorado Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Grand Lake, Colorado can vary. Compare the annual cost of auto insurance by ZIP code in Grand Lake, Colorado to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Grand Lake, Colorado

ZIP Code Average Annual Rates
80447 $3,419

Cheap Grand Lake, Colorado Auto Insurance Rates By Commute

Commute length and annual mileage affect Grand Lake, Colorado auto insurance. Find the cheapest annual Grand Lake, Colorado auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Grand Lake, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,743 $4,743
American Family $3,597 $3,754
Farmers $4,919 $4,919
GEICO $3,075 $3,212
Liberty Mutual $2,755 $2,755
Nationwide $3,512 $3,512
Progressive $4,038 $4,038
State Farm $3,275 $3,438
USAA $3,134 $3,317

Cheap Grand Lake, Colorado Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Grand Lake, Colorado? Check out the comparison of annual Grand Lake, Colorado auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Grand Lake, Colorado

Insurance Company Low Medium High
Allstate $4,501 $4,728 $5,002
American Family $3,521 $3,751 $3,754
Farmers $4,333 $4,851 $5,572
GEICO $2,892 $3,096 $3,442
Liberty Mutual $2,629 $2,748 $2,889
Nationwide $3,535 $3,511 $3,491
Progressive $3,740 $4,050 $4,324
State Farm $3,145 $3,357 $3,568
USAA $3,096 $3,225 $3,356

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Best By Category: Cheapest Auto Insurance in Grand Lake, Colorado

Compare the cheapest auto insurance companies in Grand Lake, Colorado in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Grand Lake, 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 USAA

The Cheapest Grand Lake, Colorado Auto Insurance Companies

What auto insurance companies in Grand Lake, Colorado are the cheapest? Compare the top Grand Lake, Colorado auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Grand Lake, Colorado

Insurance Company Average Annual Rates
Allstate $4,743
American Family $3,675
Farmers $4,919
GEICO $3,143
Liberty Mutual $2,755
Nationwide $3,512
Progressive $4,038
State Farm $3,357
USAA $3,226

What affects auto insurance rates in Grand Lake, Colorado?

There are a lot of reasons why auto insurance rates in Grand Lake, Colorado are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Grand Lake, Colorado. Many local factors may affect your Grand Lake auto insurance rates.

Grand Lake Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Grand Lake, Colorado commute length is 14.4 minutes according to City-Data.

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Compare Grand Lake, Colorado Auto Insurance Quotes

Before you buy Grand Lake, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Grand Lake, Colorado auto insurance quotes.

Free Auto Insurance Comparison

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

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