Best Cheap Auto Insurance in La Jara, CO (2021)

The average La Jara, CO auto insurance rates are $295 per month. The minimum auto insurance in La Jara is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in La Jara, 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 cheapest auto insurance company in La Jara is GEICO
  • Average auto insurance rates in La Jara, CO for senior drivers are $2,087 per year
  • The minimum auto insurance required in La Jara, Colorado is 25/50/15

La Jara, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in La Jara 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 La Jara, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in La Jara to other Colorado cities, including Thornton auto insurance rates, Westminster auto insurance rates, and Pueblo auto insurance rates to see how La Jara, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in La Jara, Colorado

La Jara, 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 La Jara, Colorado.

Minimum Required Auto Insurance Coverage in La Jara, 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 La Jara, Colorado Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in La Jara, 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 La Jara, 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 $3,362 $3,153 $3,007 $3,041 $11,315 $11,849 $3,739 $3,781
American Family $2,345 $2,345 $2,115 $2,115 $5,676 $7,600 $2,345 $2,877
Farmers $2,761 $2,727 $2,501 $2,698 $10,482 $10,533 $3,045 $3,079
GEICO $1,596 $1,740 $1,657 $1,854 $4,950 $5,273 $1,469 $1,513
Liberty Mutual $1,745 $1,709 $1,485 $1,630 $5,116 $5,569 $1,762 $1,781
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,377 $2,226 $2,063 $2,058 $7,994 $8,949 $2,682 $2,614
State Farm $1,779 $1,779 $1,590 $1,590 $5,006 $6,352 $1,986 $2,351
USAA $2,154 $2,161 $2,042 $2,056 $5,325 $6,108 $2,771 $3,027

Cheap La Jara, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in La Jara, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,315 $11,849
American Family $5,676 $7,600
Farmers $10,482 $10,533
GEICO $4,950 $5,273
Liberty Mutual $5,116 $5,569
Nationwide $5,513 $7,064
Progressive $7,994 $8,949
State Farm $5,006 $6,352
USAA $5,325 $6,108

Cheap La Jara, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in La Jara, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,007 $3,041
American Family $2,115 $2,115
Farmers $2,501 $2,698
GEICO $1,657 $1,854
Liberty Mutual $1,485 $1,630
Nationwide $1,977 $2,093
Progressive $2,063 $2,058
State Farm $1,590 $1,590
USAA $2,042 $2,056

Cheap La Jara, 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 La Jara, Colorado compared to the annual auto insurance rates with a clean record in La Jara, Colorado.

Annual La Jara, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,626 $5,302 $6,468 $5,228
American Family $2,534 $3,607 $4,697 $2,872
Farmers $3,985 $5,133 $5,067 $4,728
GEICO $1,784 $2,745 $3,166 $2,331
Liberty Mutual $2,276 $2,665 $2,769 $2,689
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,358 $4,667 $3,543 $3,913
State Farm $2,588 $3,020 $2,804 $2,804
USAA $2,344 $2,849 $4,987 $2,642

Cheap La Jara, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in La Jara, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,468
American Family $4,697
Farmers $5,067
GEICO $3,166
Liberty Mutual $2,769
Nationwide $4,398
Progressive $3,543
State Farm $2,804
USAA $4,987

Cheap La Jara, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in La Jara, Colorado

Insurance Company Poor Fair Good
Allstate $6,902 $5,305 $4,011
American Family $4,458 $3,168 $2,657
Farmers $5,487 $4,461 $4,237
GEICO $3,008 $2,506 $2,005
Liberty Mutual $3,717 $2,272 $1,810
Nationwide $3,990 $3,154 $2,751
Progressive $4,406 $3,757 $3,448
State Farm $3,893 $2,502 $2,017
USAA $4,757 $2,700 $2,160

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Cheap La Jara, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in La Jara, Colorado

ZIP Code Average Annual Rates
81140 $3,263

Cheap La Jara, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in La Jara, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,406 $5,406
American Family $3,354 $3,500
Farmers $4,728 $4,728
GEICO $2,454 $2,559
Liberty Mutual $2,600 $2,600
Nationwide $3,298 $3,298
Progressive $3,870 $3,870
State Farm $2,736 $2,872
USAA $3,115 $3,296

Cheap La Jara, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in La Jara, Colorado

Insurance Company Low Medium High
Allstate $5,139 $5,389 $5,690
American Family $3,258 $3,499 $3,526
Farmers $4,181 $4,667 $5,337
GEICO $2,316 $2,473 $2,731
Liberty Mutual $2,455 $2,589 $2,755
Nationwide $3,323 $3,295 $3,276
Progressive $3,594 $3,880 $4,137
State Farm $2,631 $2,805 $2,977
USAA $3,077 $3,205 $3,334

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Best By Category: Cheapest Auto Insurance in La Jara, Colorado

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

Best Annual Auto Insurance Rates by Company in La Jara, Colorado

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

The Cheapest La Jara, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in La Jara, Colorado

Insurance Company Average Annual Rates
Allstate $5,406
American Family $3,427
Farmers $4,728
GEICO $2,507
Liberty Mutual $2,600
Nationwide $3,298
Progressive $3,870
State Farm $2,804
USAA $3,206

What affects auto insurance rates in La Jara, Colorado?

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

La Jara Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average La Jara, Colorado commute length is 17.9 minutes according to City-Data.

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Compare La Jara, Colorado Auto Insurance Quotes

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