Best Cheap Auto Insurance in San Luis, CO (2021)

The average San Luis, CO auto insurance rates are $303 per month. The minimum auto insurance in San Luis is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in San Luis, Colorado, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The average commute length in San Luis is 24.2 minutes
  • The most expensive auto insurance company in San Luis for teen drivers is Farmers
  • The cheapest auto insurance company in San Luis is GEICO

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

Compare auto insurance in San Luis to other Colorado cities, including Aurora auto insurance rates, Thornton auto insurance rates, and Westminster auto insurance rates to see how San Luis, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in San Luis, Colorado

San Luis, 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 San Luis, Colorado.

Minimum Required Auto Insurance Coverage in San Luis, 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap San Luis, Colorado Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in San Luis, 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 San Luis, 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 $3,141 $2,952 $2,815 $2,846 $10,448 $10,948 $3,491 $3,527
American Family $2,405 $2,405 $2,169 $2,169 $5,833 $7,813 $2,405 $2,955
Farmers $3,082 $3,054 $2,793 $2,994 $11,393 $11,495 $3,409 $3,478
GEICO $1,596 $1,740 $1,657 $1,854 $4,950 $5,273 $1,469 $1,513
Liberty Mutual $1,981 $1,963 $1,677 $1,837 $5,363 $5,839 $1,998 $2,034
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,483 $2,333 $2,135 $2,137 $8,030 $8,988 $2,804 $2,737
State Farm $2,021 $2,021 $1,806 $1,806 $5,705 $7,248 $2,258 $2,671
USAA $2,154 $2,161 $2,042 $2,056 $5,325 $6,108 $2,771 $3,027

Cheap San Luis, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in San Luis, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,448 $10,948
American Family $5,833 $7,813
Farmers $11,393 $11,495
GEICO $4,950 $5,273
Liberty Mutual $5,363 $5,839
Nationwide $5,513 $7,064
Progressive $8,030 $8,988
State Farm $5,705 $7,248
USAA $5,325 $6,108

Cheap San Luis, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in San Luis, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,815 $2,846
American Family $2,169 $2,169
Farmers $2,793 $2,994
GEICO $1,657 $1,854
Liberty Mutual $1,677 $1,837
Nationwide $1,977 $2,093
Progressive $2,135 $2,137
State Farm $1,806 $1,806
USAA $2,042 $2,056

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

Annual San Luis, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,309 $4,931 $5,987 $4,858
American Family $2,601 $3,699 $4,827 $2,949
Farmers $4,401 $5,647 $5,572 $5,229
GEICO $1,784 $2,745 $3,166 $2,331
Liberty Mutual $2,469 $2,904 $3,038 $2,935
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,439 $4,737 $3,630 $4,018
State Farm $2,945 $3,438 $3,192 $3,192
USAA $2,344 $2,849 $4,987 $2,642

Cheap San Luis, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in San Luis, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,987
American Family $4,827
Farmers $5,572
GEICO $3,166
Liberty Mutual $3,038
Nationwide $4,398
Progressive $3,630
State Farm $3,192
USAA $4,987

Cheap San Luis, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in San Luis, Colorado

Insurance Company Poor Fair Good
Allstate $6,409 $4,927 $3,727
American Family $4,580 $3,253 $2,724
Farmers $6,049 $4,915 $4,672
GEICO $3,008 $2,506 $2,005
Liberty Mutual $4,073 $2,467 $1,970
Nationwide $3,990 $3,154 $2,751
Progressive $4,521 $3,837 $3,510
State Farm $4,436 $2,847 $2,292
USAA $4,757 $2,700 $2,160

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap San Luis, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in San Luis, Colorado

ZIP Code Average Annual Rates
81152 $3,350

Cheap San Luis, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in San Luis, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,021 $5,021
American Family $3,444 $3,594
Farmers $5,212 $5,212
GEICO $2,454 $2,559
Liberty Mutual $2,836 $2,836
Nationwide $3,298 $3,298
Progressive $3,956 $3,956
State Farm $3,113 $3,270
USAA $3,115 $3,296

Cheap San Luis, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in San Luis, Colorado

Insurance Company Low Medium High
Allstate $4,755 $5,004 $5,305
American Family $3,354 $3,592 $3,610
Farmers $4,666 $5,151 $5,819
GEICO $2,316 $2,473 $2,731
Liberty Mutual $2,691 $2,826 $2,992
Nationwide $3,323 $3,295 $3,276
Progressive $3,688 $3,965 $4,214
State Farm $2,994 $3,194 $3,387
USAA $3,077 $3,205 $3,334

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in San Luis, Colorado

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

Best Annual Auto Insurance Rates by Company in San Luis, Colorado

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

The Cheapest San Luis, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in San Luis, Colorado

Insurance Company Average Annual Rates
Allstate $5,021
American Family $3,519
Farmers $5,212
GEICO $2,507
Liberty Mutual $2,836
Nationwide $3,298
Progressive $3,956
State Farm $3,192
USAA $3,206

What affects auto insurance rates in San Luis, Colorado?

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

San Luis Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average San Luis, Colorado commute length is 24.2 minutes according to City-Data.

San Luis Traffic

How does San Luis, Colorado rank for traffic? According to Inrix San Luis, Colorado is the 106th most congested worldwide.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare San Luis, Colorado Auto Insurance Quotes

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption