Best Cheap Auto Insurance in Louisville, CO (2021)

The average Louisville, CO auto insurance rates are $298 per month. The minimum auto insurance in Louisville is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Louisville, 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 18, 2021

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Things to Remember

  • The cheapest auto insurance company in Louisville is GEICO
  • The average commute length in Louisville is 23.1 minutes
  • The minimum auto insurance required in Louisville, Colorado is 25/50/15

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

Compare auto insurance in Louisville to other Colorado cities, including Arvada auto insurance rates, Lakewood auto insurance rates, and Aurora auto insurance rates to see how Louisville, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Louisville, Colorado

Louisville, 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 Louisville, Colorado.

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

Auto insurance rates in Louisville, 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 Louisville, 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 $3,087 $2,874 $2,811 $2,835 $11,235 $11,834 $3,342 $3,329
American Family $2,582 $2,582 $2,335 $2,335 $6,254 $8,436 $2,582 $3,154
Farmers $2,812 $2,796 $2,536 $2,742 $11,235 $11,396 $3,091 $3,113
GEICO $1,602 $1,771 $1,742 $2,008 $5,184 $5,471 $1,460 $1,469
Liberty Mutual $1,740 $1,673 $1,494 $1,647 $5,319 $5,786 $1,748 $1,740
Nationwide $2,245 $2,277 $2,018 $2,122 $5,702 $7,251 $2,587 $2,784
Progressive $2,282 $2,131 $2,015 $2,003 $7,988 $8,901 $2,562 $2,482
State Farm $1,864 $1,864 $1,694 $1,694 $5,546 $6,992 $2,093 $2,483
USAA $1,854 $1,837 $1,785 $1,771 $4,743 $5,405 $2,366 $2,549

Cheap Louisville, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Louisville, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,235 $11,834
American Family $6,254 $8,436
Farmers $11,235 $11,396
GEICO $5,184 $5,471
Liberty Mutual $5,319 $5,786
Nationwide $5,702 $7,251
Progressive $7,988 $8,901
State Farm $5,546 $6,992
USAA $4,743 $5,405

Cheap Louisville, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Louisville, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,811 $2,835
American Family $2,335 $2,335
Farmers $2,536 $2,742
GEICO $1,742 $2,008
Liberty Mutual $1,494 $1,647
Nationwide $2,018 $2,122
Progressive $2,015 $2,003
State Farm $1,694 $1,694
USAA $1,785 $1,771

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

Annual Louisville, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,374 $5,067 $6,247 $4,986
American Family $2,799 $3,965 $5,194 $3,173
Farmers $4,195 $5,403 $5,325 $4,939
GEICO $1,804 $2,840 $3,379 $2,330
Liberty Mutual $2,321 $2,719 $2,806 $2,728
Nationwide $2,612 $3,543 $4,472 $2,866
Progressive $3,280 $4,630 $3,458 $3,814
State Farm $2,772 $3,285 $3,029 $3,029
USAA $2,036 $2,491 $4,340 $2,287

Cheap Louisville, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Louisville, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,247
American Family $5,194
Farmers $5,325
GEICO $3,379
Liberty Mutual $2,806
Nationwide $4,472
Progressive $3,458
State Farm $3,029
USAA $4,340

Cheap Louisville, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Louisville, Colorado

Insurance Company Poor Fair Good
Allstate $6,583 $5,087 $3,835
American Family $4,893 $3,508 $2,947
Farmers $5,739 $4,695 $4,461
GEICO $3,107 $2,588 $2,069
Liberty Mutual $3,760 $2,321 $1,849
Nationwide $4,068 $3,235 $2,817
Progressive $4,304 $3,689 $3,394
State Farm $4,200 $2,704 $2,183
USAA $4,097 $2,364 $1,904

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Cheap Louisville, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Louisville, Colorado

ZIP Code Average Annual Rates
80027 $3,308

Cheap Louisville, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Louisville, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,168 $5,168
American Family $3,700 $3,865
Farmers $4,965 $4,965
GEICO $2,540 $2,637
Liberty Mutual $2,643 $2,643
Nationwide $3,373 $3,373
Progressive $3,795 $3,795
State Farm $2,954 $3,104
USAA $2,711 $2,866

Cheap Louisville, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Louisville, Colorado

Insurance Company Low Medium High
Allstate $4,837 $5,149 $5,519
American Family $3,569 $3,861 $3,918
Farmers $4,276 $4,882 $5,738
GEICO $2,293 $2,537 $2,934
Liberty Mutual $2,466 $2,632 $2,832
Nationwide $3,335 $3,378 $3,407
Progressive $3,466 $3,810 $4,110
State Farm $2,800 $3,030 $3,256
USAA $2,643 $2,788 $2,934

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Best By Category: Cheapest Auto Insurance in Louisville, Colorado

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

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

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

Average Annual Auto Insurance Rates by Company in Louisville, Colorado

Insurance Company Average Annual Rates
Allstate $5,168
American Family $3,783
Farmers $4,965
GEICO $2,588
Liberty Mutual $2,643
Nationwide $3,373
Progressive $3,795
State Farm $3,029
USAA $2,789

What affects auto insurance rates in Louisville, Colorado?

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

Louisville Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Louisville, Colorado commute length is 23.1 minutes according to City-Data.

Louisville Traffic

How does Louisville, Colorado rank for traffic? According to Inrix Louisville, Colorado is the 597th most congested worldwide.

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Compare Louisville, Colorado Auto Insurance Quotes

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