Best Cheap Auto Insurance in Lucerne, CO (2021)

The average Lucerne, CO auto insurance rates are $302 per month. The minimum auto insurance in Lucerne is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Lucerne, 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 15, 2021

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Things to Remember

  • The most expensive auto insurance company in Lucerne for teen drivers is Farmers
  • Average auto insurance rates in Lucerne, CO for senior drivers are $2,139 per year
  • The cheapest auto insurance company in Lucerne is Liberty Mutual

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

Compare auto insurance in Lucerne to other Colorado cities, including Pueblo auto insurance rates, Lakewood auto insurance rates, and Centennial auto insurance rates to see how Lucerne, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Lucerne, Colorado

Lucerne, 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 Lucerne, Colorado.

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

Auto insurance rates in Lucerne, 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 Lucerne, 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 $3,196 $2,998 $2,875 $2,905 $10,935 $11,479 $3,534 $3,555
American Family $2,462 $2,462 $2,223 $2,223 $5,947 $7,974 $2,462 $3,015
Farmers $2,980 $2,951 $2,696 $2,905 $11,414 $11,513 $3,283 $3,320
GEICO $1,848 $2,019 $1,950 $2,207 $5,747 $6,087 $1,692 $1,727
Liberty Mutual $1,606 $1,556 $1,381 $1,518 $4,837 $5,256 $1,615 $1,611
Nationwide $2,263 $2,300 $2,028 $2,139 $5,724 $7,310 $2,605 $2,810
Progressive $2,404 $2,251 $2,100 $2,093 $8,148 $9,102 $2,705 $2,630
State Farm $1,832 $1,832 $1,660 $1,660 $5,444 $6,876 $2,057 $2,440
USAA $2,057 $2,050 $1,967 $1,966 $5,179 $5,925 $2,639 $2,863

Cheap Lucerne, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Lucerne, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,935 $11,479
American Family $5,947 $7,974
Farmers $11,414 $11,513
GEICO $5,747 $6,087
Liberty Mutual $4,837 $5,256
Nationwide $5,724 $7,310
Progressive $8,148 $9,102
State Farm $5,444 $6,876
USAA $5,179 $5,925

Cheap Lucerne, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Lucerne, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,875 $2,905
American Family $2,223 $2,223
Farmers $2,696 $2,905
GEICO $1,950 $2,207
Liberty Mutual $1,381 $1,518
Nationwide $2,028 $2,139
Progressive $2,100 $2,093
State Farm $1,660 $1,660
USAA $1,967 $1,966

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

Annual Lucerne, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,434 $5,093 $6,199 $5,011
American Family $2,663 $3,777 $4,928 $3,017
Farmers $4,332 $5,575 $5,498 $5,126
GEICO $2,059 $3,192 $3,695 $2,692
Liberty Mutual $2,127 $2,489 $2,572 $2,502
Nationwide $2,618 $3,570 $4,523 $2,879
Progressive $3,402 $4,760 $3,590 $3,965
State Farm $2,725 $3,225 $2,975 $2,975
USAA $2,251 $2,747 $4,792 $2,534

Cheap Lucerne, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Lucerne, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,199
American Family $4,928
Farmers $5,498
GEICO $3,695
Liberty Mutual $2,572
Nationwide $4,523
Progressive $3,590
State Farm $2,975
USAA $4,792

Cheap Lucerne, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Lucerne, Colorado

Insurance Company Poor Fair Good
Allstate $6,612 $5,094 $3,848
American Family $4,668 $3,327 $2,793
Farmers $5,946 $4,847 $4,605
GEICO $3,497 $2,910 $2,323
Liberty Mutual $3,447 $2,125 $1,694
Nationwide $4,099 $3,254 $2,838
Progressive $4,472 $3,815 $3,500
State Farm $4,133 $2,654 $2,138
USAA $4,549 $2,604 $2,090

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Cheap Lucerne, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Lucerne, Colorado

ZIP Code Average Annual Rates
80646 $3,355

Cheap Lucerne, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Lucerne, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,185 $5,185
American Family $3,519 $3,673
Farmers $5,133 $5,133
GEICO $2,847 $2,972
Liberty Mutual $2,422 $2,422
Nationwide $3,397 $3,397
Progressive $3,929 $3,929
State Farm $2,901 $3,050
USAA $2,994 $3,168

Cheap Lucerne, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Lucerne, Colorado

Insurance Company Low Medium High
Allstate $4,887 $5,166 $5,501
American Family $3,412 $3,670 $3,706
Farmers $4,521 $5,064 $5,814
GEICO $2,620 $2,854 $3,255
Liberty Mutual $2,268 $2,412 $2,587
Nationwide $3,381 $3,402 $3,409
Progressive $3,612 $3,941 $4,234
State Farm $2,759 $2,978 $3,188
USAA $2,936 $3,081 $3,226

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Best By Category: Cheapest Auto Insurance in Lucerne, Colorado

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

Best Annual Auto Insurance Rates by Company in Lucerne, Colorado

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

The Cheapest Lucerne, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Lucerne, Colorado

Insurance Company Average Annual Rates
Allstate $5,185
American Family $3,596
Farmers $5,133
GEICO $2,910
Liberty Mutual $2,422
Nationwide $3,397
Progressive $3,929
State Farm $2,975
USAA $3,081

What affects auto insurance rates in Lucerne, Colorado?

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

Lucerne Traffic

How does Lucerne, Colorado rank for traffic? According to Inrix Lucerne, Colorado is the 326th most congested worldwide.

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Compare Lucerne, Colorado Auto Insurance Quotes

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