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

The average La Junta, CO auto insurance rates are $323 per month. The minimum auto insurance in La Junta is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in La Junta, 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: Jul 16, 2021

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Things to Remember

  • The average commute length in La Junta is 13.3 minutes
  • The cheapest auto insurance company in La Junta is State Farm
  • The minimum auto insurance required in La Junta, Colorado is 25/50/15

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

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

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

Minimum Auto Insurance in La Junta, Colorado

La Junta, 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 Junta, Colorado.

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

Auto insurance rates in La Junta, 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 Junta, 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 $3,166 $2,973 $2,838 $2,870 $10,635 $11,138 $3,516 $3,549
American Family $2,301 $2,301 $2,070 $2,070 $5,559 $7,395 $2,301 $2,831
Farmers $3,232 $3,195 $2,951 $3,207 $11,636 $11,534 $3,500 $3,489
GEICO $2,262 $2,432 $2,320 $2,581 $6,808 $7,210 $2,084 $2,141
Liberty Mutual $1,912 $1,887 $1,620 $1,775 $5,236 $5,701 $1,929 $1,962
Nationwide $2,672 $2,731 $2,380 $2,529 $6,687 $8,617 $3,064 $3,325
Progressive $3,029 $2,859 $2,545 $2,567 $9,105 $10,187 $3,431 $3,357
State Farm $1,693 $1,693 $1,509 $1,509 $4,709 $5,972 $1,889 $2,238
USAA $2,437 $2,461 $2,298 $2,340 $5,826 $6,723 $3,151 $3,474

Cheap La Junta, Colorado Auto Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,635 $11,138
American Family $5,559 $7,395
Farmers $11,636 $11,534
GEICO $6,808 $7,210
Liberty Mutual $5,236 $5,701
Nationwide $6,687 $8,617
Progressive $9,105 $10,187
State Farm $4,709 $5,972
USAA $5,826 $6,723

Cheap La Junta, Colorado Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,838 $2,870
American Family $2,070 $2,070
Farmers $2,951 $3,207
GEICO $2,320 $2,581
Liberty Mutual $1,620 $1,775
Nationwide $2,380 $2,529
Progressive $2,545 $2,567
State Farm $1,509 $1,509
USAA $2,298 $2,340

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

Annual La Junta, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,358 $4,995 $6,071 $4,918
American Family $2,482 $3,532 $4,589 $2,811
Farmers $4,517 $5,799 $5,728 $5,329
GEICO $2,491 $3,832 $4,302 $3,293
Liberty Mutual $2,398 $2,818 $2,946 $2,849
Nationwide $3,053 $4,207 $5,371 $3,372
Progressive $4,041 $5,475 $4,270 $4,753
State Farm $2,451 $2,852 $2,652 $2,652
USAA $2,644 $3,195 $5,527 $2,989

Cheap La Junta, Colorado Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,071
American Family $4,589
Farmers $5,728
GEICO $4,302
Liberty Mutual $2,946
Nationwide $5,371
Progressive $4,270
State Farm $2,652
USAA $5,527

Cheap La Junta, Colorado Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $6,490 $4,992 $3,775
American Family $4,381 $3,091 $2,589
Farmers $6,266 $5,008 $4,755
GEICO $4,188 $3,479 $2,771
Liberty Mutual $3,951 $2,395 $1,912
Nationwide $4,848 $3,820 $3,334
Progressive $5,339 $4,489 $4,078
State Farm $3,680 $2,367 $1,909
USAA $5,346 $3,014 $2,405

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Cheap La Junta, Colorado Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
81050 $3,569

Cheap La Junta, Colorado Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,086 $5,086
American Family $3,283 $3,424
Farmers $5,343 $5,343
GEICO $3,397 $3,562
Liberty Mutual $2,753 $2,753
Nationwide $4,001 $4,001
Progressive $4,635 $4,635
State Farm $2,588 $2,715
USAA $3,485 $3,692

Cheap La Junta, Colorado Auto Insurance Rates By Coverage Level

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

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

Insurance Company Low Medium High
Allstate $4,806 $5,068 $5,382
American Family $3,205 $3,423 $3,432
Farmers $4,612 $5,259 $6,158
GEICO $3,183 $3,423 $3,833
Liberty Mutual $2,609 $2,742 $2,907
Nationwide $4,052 $4,001 $3,949
Progressive $4,367 $4,644 $4,893
State Farm $2,499 $2,651 $2,806
USAA $3,452 $3,588 $3,726

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

Compare the cheapest auto insurance companies in La Junta, 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 Junta, Colorado

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

The Cheapest La Junta, Colorado Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $5,086
American Family $3,353
Farmers $5,343
GEICO $3,480
Liberty Mutual $2,753
Nationwide $4,001
Progressive $4,635
State Farm $2,652
USAA $3,589

What affects auto insurance rates in La Junta, Colorado?

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

La Junta Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average La Junta, Colorado commute length is 13.3 minutes according to City-Data.

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Compare La Junta, Colorado Auto Insurance Quotes

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