Best Cheap Auto Insurance in Lafayette, CO (2021)

The average Lafayette, CO auto insurance rates are $295 per month. The minimum auto insurance in Lafayette is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Lafayette, Colorado, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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 Lafayette for teen drivers is Allstate
  • The minimum auto insurance required in Lafayette, Colorado is 25/50/15
  • The average commute length in Lafayette is 25.2 minutes

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

Compare auto insurance in Lafayette to other Colorado cities, including Centennial auto insurance rates, Thornton auto insurance rates, and Arvada auto insurance rates to see how Lafayette, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Lafayette, Colorado

Lafayette, 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 Lafayette, Colorado.

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

Auto insurance rates in Lafayette, 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 Lafayette, 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 $3,105 $2,892 $2,826 $2,850 $11,264 $11,865 $3,367 $3,355
American Family $2,582 $2,582 $2,335 $2,335 $6,254 $8,436 $2,582 $3,154
Farmers $2,709 $2,682 $2,447 $2,644 $10,611 $10,716 $2,980 $3,001
GEICO $1,707 $1,891 $1,876 $2,177 $5,526 $5,812 $1,550 $1,551
Liberty Mutual $1,614 $1,549 $1,386 $1,528 $5,154 $5,614 $1,626 $1,619
Nationwide $2,245 $2,277 $2,018 $2,122 $5,702 $7,251 $2,587 $2,784
Progressive $2,164 $2,025 $1,934 $1,919 $7,546 $8,392 $2,417 $2,338
State Farm $1,933 $1,933 $1,760 $1,760 $5,809 $7,320 $2,172 $2,578
USAA $1,854 $1,837 $1,785 $1,771 $4,743 $5,405 $2,366 $2,549

Cheap Lafayette, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lafayette, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,264 $11,865
American Family $6,254 $8,436
Farmers $10,611 $10,716
GEICO $5,526 $5,812
Liberty Mutual $5,154 $5,614
Nationwide $5,702 $7,251
Progressive $7,546 $8,392
State Farm $5,809 $7,320
USAA $4,743 $5,405

Cheap Lafayette, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lafayette, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,826 $2,850
American Family $2,335 $2,335
Farmers $2,447 $2,644
GEICO $1,876 $2,177
Liberty Mutual $1,386 $1,528
Nationwide $2,018 $2,122
Progressive $1,934 $1,919
State Farm $1,760 $1,760
USAA $1,785 $1,771

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

Annual Lafayette, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,395 $5,089 $6,269 $5,008
American Family $2,799 $3,965 $5,194 $3,173
Farmers $3,987 $5,138 $5,065 $4,706
GEICO $1,919 $3,032 $3,615 $2,478
Liberty Mutual $2,212 $2,583 $2,659 $2,590
Nationwide $2,612 $3,543 $4,472 $2,866
Progressive $3,099 $4,402 $3,267 $3,599
State Farm $2,887 $3,430 $3,158 $3,158
USAA $2,036 $2,491 $4,340 $2,287

Cheap Lafayette, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lafayette, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,269
American Family $5,194
Farmers $5,065
GEICO $3,615
Liberty Mutual $2,659
Nationwide $4,472
Progressive $3,267
State Farm $3,158
USAA $4,340

Cheap Lafayette, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lafayette, Colorado

Insurance Company Poor Fair Good
Allstate $6,611 $5,109 $3,851
American Family $4,893 $3,508 $2,947
Farmers $5,463 $4,466 $4,243
GEICO $3,317 $2,761 $2,206
Liberty Mutual $3,564 $2,210 $1,759
Nationwide $4,068 $3,235 $2,817
Progressive $4,077 $3,492 $3,207
State Farm $4,381 $2,819 $2,274
USAA $4,097 $2,364 $1,904

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Cheap Lafayette, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lafayette, Colorado

ZIP Code Average Annual Rates
80026 $3,278

Cheap Lafayette, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lafayette, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,190 $5,190
American Family $3,700 $3,865
Farmers $4,724 $4,724
GEICO $2,708 $2,814
Liberty Mutual $2,511 $2,511
Nationwide $3,373 $3,373
Progressive $3,592 $3,592
State Farm $3,079 $3,237
USAA $2,711 $2,866

Cheap Lafayette, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lafayette, Colorado

Insurance Company Low Medium High
Allstate $4,859 $5,171 $5,541
American Family $3,569 $3,861 $3,918
Farmers $4,126 $4,655 $5,389
GEICO $2,404 $2,695 $3,185
Liberty Mutual $2,344 $2,502 $2,688
Nationwide $3,335 $3,378 $3,407
Progressive $3,225 $3,606 $3,944
State Farm $2,915 $3,161 $3,399
USAA $2,643 $2,788 $2,934

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Best By Category: Cheapest Auto Insurance in Lafayette, Colorado

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

Best Annual Auto Insurance Rates by Company in Lafayette, Colorado

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

The Cheapest Lafayette, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lafayette, Colorado

Insurance Company Average Annual Rates
Allstate $5,190
American Family $3,783
Farmers $4,724
GEICO $2,761
Liberty Mutual $2,511
Nationwide $3,373
Progressive $3,592
State Farm $3,158
USAA $2,789

What affects auto insurance rates in Lafayette, Colorado?

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

Lafayette Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lafayette, Colorado commute length is 25.2 minutes according to City-Data.

Lafayette Traffic

How does Lafayette, Colorado rank for traffic? According to Inrix Lafayette, Colorado is the 617th most congested worldwide.

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Compare Lafayette, Colorado Auto Insurance Quotes

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