Best Cheap Auto Insurance in Lamar, CO (2021)

The average Lamar, CO auto insurance rates are $320 per month. The minimum auto insurance in Lamar is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Lamar, 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

  • Average auto insurance rates in Lamar, CO for senior drivers are $2,299 per year
  • The cheapest auto insurance company in Lamar is State Farm
  • The most expensive auto insurance company in Lamar for teen drivers is Allstate

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

Compare auto insurance in Lamar to other Colorado cities, including Westminster auto insurance rates, Lakewood auto insurance rates, and Fort Collins auto insurance rates to see how Lamar, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Lamar, Colorado

Lamar, 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 Lamar, Colorado.

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

Auto insurance rates in Lamar, 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 Lamar, 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 $2,330 $2,330 $2,098 $2,098 $5,641 $7,517 $2,330 $2,869
Farmers $2,856 $2,836 $2,591 $2,781 $10,462 $10,549 $3,140 $3,192
GEICO $2,262 $2,432 $2,320 $2,581 $6,808 $7,210 $2,084 $2,141
Liberty Mutual $1,920 $1,895 $1,626 $1,781 $5,278 $5,748 $1,938 $1,973
Nationwide $2,672 $2,731 $2,380 $2,529 $6,687 $8,617 $3,064 $3,325
Progressive $3,033 $2,860 $2,541 $2,563 $9,222 $10,334 $3,444 $3,372
State Farm $1,785 $1,785 $1,573 $1,573 $4,699 $6,012 $1,981 $2,329
USAA $2,437 $2,461 $2,298 $2,340 $5,826 $6,723 $3,151 $3,474

Cheap Lamar, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lamar, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,635 $11,138
American Family $5,641 $7,517
Farmers $10,462 $10,549
GEICO $6,808 $7,210
Liberty Mutual $5,278 $5,748
Nationwide $6,687 $8,617
Progressive $9,222 $10,334
State Farm $4,699 $6,012
USAA $5,826 $6,723

Cheap Lamar, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lamar, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,838 $2,870
American Family $2,098 $2,098
Farmers $2,591 $2,781
GEICO $2,320 $2,581
Liberty Mutual $1,626 $1,781
Nationwide $2,380 $2,529
Progressive $2,541 $2,563
State Farm $1,573 $1,573
USAA $2,298 $2,340

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

Annual Lamar, 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 $2,516 $3,581 $4,659 $2,851
Farmers $4,062 $5,202 $5,131 $4,808
GEICO $2,491 $3,832 $4,302 $3,293
Liberty Mutual $2,414 $2,835 $2,964 $2,867
Nationwide $3,053 $4,207 $5,371 $3,372
Progressive $4,075 $5,512 $4,306 $4,791
State Farm $2,532 $2,902 $2,717 $2,717
USAA $2,644 $3,195 $5,527 $2,989

Cheap Lamar, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lamar, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,071
American Family $4,659
Farmers $5,131
GEICO $4,302
Liberty Mutual $2,964
Nationwide $5,371
Progressive $4,306
State Farm $2,717
USAA $5,527

Cheap Lamar, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lamar, Colorado

Insurance Company Poor Fair Good
Allstate $6,490 $4,992 $3,775
American Family $4,441 $3,137 $2,627
Farmers $5,583 $4,521 $4,298
GEICO $4,188 $3,479 $2,771
Liberty Mutual $3,977 $2,410 $1,923
Nationwide $4,848 $3,820 $3,334
Progressive $5,372 $4,524 $4,117
State Farm $3,771 $2,425 $1,955
USAA $5,346 $3,014 $2,405

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Cheap Lamar, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lamar, Colorado

ZIP Code Average Annual Rates
81052 $3,530

Cheap Lamar, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lamar, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,086 $5,086
American Family $3,330 $3,473
Farmers $4,801 $4,801
GEICO $3,397 $3,562
Liberty Mutual $2,770 $2,770
Nationwide $4,001 $4,001
Progressive $4,671 $4,671
State Farm $2,651 $2,783
USAA $3,485 $3,692

Cheap Lamar, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lamar, Colorado

Insurance Company Low Medium High
Allstate $4,806 $5,068 $5,382
American Family $3,255 $3,472 $3,479
Farmers $4,250 $4,737 $5,415
GEICO $3,183 $3,423 $3,833
Liberty Mutual $2,627 $2,759 $2,923
Nationwide $4,052 $4,001 $3,949
Progressive $4,434 $4,680 $4,900
State Farm $2,573 $2,716 $2,862
USAA $3,452 $3,588 $3,726

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Best By Category: Cheapest Auto Insurance in Lamar, Colorado

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

Best Annual Auto Insurance Rates by Company in Lamar, 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 Lamar, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lamar, Colorado

Insurance Company Average Annual Rates
Allstate $5,086
American Family $3,402
Farmers $4,801
GEICO $3,480
Liberty Mutual $2,770
Nationwide $4,001
Progressive $4,671
State Farm $2,717
USAA $3,589

What affects auto insurance rates in Lamar, Colorado?

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

Lamar Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Lamar, Colorado commute length is 11.9 minutes according to City-Data.

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Compare Lamar, Colorado Auto Insurance Quotes

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