Best Cheap Auto Insurance in Twin Lakes, CO (2021)

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

  • The minimum auto insurance required in Twin Lakes, Colorado is 25/50/15
  • The cheapest auto insurance company in Twin Lakes is GEICO
  • The most expensive auto insurance company in Twin Lakes for teen drivers is Allstate

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

Compare auto insurance in Twin Lakes to other Colorado cities, including Colorado Springs auto insurance rates, Centennial auto insurance rates, and Fort Collins auto insurance rates to see how Twin Lakes, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Twin Lakes, Colorado

Twin Lakes, 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 Twin Lakes, Colorado.

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

Auto insurance rates in Twin Lakes, 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 Twin Lakes, 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 $3,602 $3,366 $3,219 $3,256 $12,498 $13,147 $3,996 $4,038
American Family $2,508 $2,508 $2,263 $2,263 $6,096 $8,166 $2,508 $3,089
Farmers $3,008 $2,981 $2,723 $2,920 $11,249 $11,363 $3,332 $3,400
GEICO $1,686 $1,849 $1,751 $1,963 $5,302 $5,671 $1,551 $1,603
Liberty Mutual $1,918 $1,895 $1,607 $1,763 $5,421 $5,933 $1,946 $2,000
Nationwide $2,210 $2,255 $1,977 $2,093 $5,513 $7,064 $2,533 $2,738
Progressive $2,572 $2,398 $2,225 $2,216 $8,949 $10,031 $2,912 $2,836
State Farm $2,025 $2,025 $1,816 $1,816 $5,882 $7,421 $2,269 $2,710
USAA $2,407 $2,412 $2,283 $2,292 $6,065 $6,955 $3,104 $3,387

Cheap Twin Lakes, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Twin Lakes, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,498 $13,147
American Family $6,096 $8,166
Farmers $11,249 $11,363
GEICO $5,302 $5,671
Liberty Mutual $5,421 $5,933
Nationwide $5,513 $7,064
Progressive $8,949 $10,031
State Farm $5,882 $7,421
USAA $6,065 $6,955

Cheap Twin Lakes, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Twin Lakes, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,219 $3,256
American Family $2,263 $2,263
Farmers $2,723 $2,920
GEICO $1,751 $1,963
Liberty Mutual $1,607 $1,763
Nationwide $1,977 $2,093
Progressive $2,225 $2,216
State Farm $1,816 $1,816
USAA $2,283 $2,292

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

Annual Twin Lakes, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,014 $5,764 $7,091 $5,693
American Family $2,716 $3,857 $5,047 $3,081
Farmers $4,323 $5,551 $5,478 $5,136
GEICO $1,895 $2,915 $3,404 $2,475
Liberty Mutual $2,451 $2,876 $3,008 $2,906
Nationwide $2,537 $3,465 $4,398 $2,792
Progressive $3,697 $5,159 $3,903 $4,310
State Farm $2,983 $3,508 $3,246 $3,246
USAA $2,625 $3,204 $5,661 $2,962

Cheap Twin Lakes, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Twin Lakes, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,091
American Family $5,047
Farmers $5,478
GEICO $3,404
Liberty Mutual $3,008
Nationwide $4,398
Progressive $3,903
State Farm $3,246
USAA $5,661

Cheap Twin Lakes, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Twin Lakes, Colorado

Insurance Company Poor Fair Good
Allstate $7,508 $5,790 $4,374
American Family $4,787 $3,396 $2,842
Farmers $5,939 $4,833 $4,594
GEICO $3,209 $2,672 $2,136
Liberty Mutual $4,030 $2,447 $1,954
Nationwide $3,990 $3,154 $2,751
Progressive $4,842 $4,144 $3,816
State Farm $4,512 $2,895 $2,331
USAA $5,365 $3,042 $2,432

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Cheap Twin Lakes, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Twin Lakes, Colorado

ZIP Code Average Annual Rates
81251 $3,545

Cheap Twin Lakes, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Twin Lakes, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,890 $5,890
American Family $3,597 $3,754
Farmers $5,122 $5,122
GEICO $2,618 $2,726
Liberty Mutual $2,810 $2,810
Nationwide $3,298 $3,298
Progressive $4,267 $4,267
State Farm $3,169 $3,323
USAA $3,510 $3,716

Cheap Twin Lakes, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Twin Lakes, Colorado

Insurance Company Low Medium High
Allstate $5,659 $5,875 $6,137
American Family $3,521 $3,751 $3,754
Farmers $4,576 $5,060 $5,730
GEICO $2,486 $2,640 $2,890
Liberty Mutual $2,679 $2,803 $2,950
Nationwide $3,323 $3,295 $3,276
Progressive $3,996 $4,279 $4,527
State Farm $3,060 $3,247 $3,430
USAA $3,471 $3,613 $3,756

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Best By Category: Cheapest Auto Insurance in Twin Lakes, Colorado

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

Best Annual Auto Insurance Rates by Company in Twin Lakes, Colorado

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

The Cheapest Twin Lakes, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Twin Lakes, Colorado

Insurance Company Average Annual Rates
Allstate $5,890
American Family $3,675
Farmers $5,122
GEICO $2,672
Liberty Mutual $2,810
Nationwide $3,298
Progressive $4,267
State Farm $3,246
USAA $3,613

What affects auto insurance rates in Twin Lakes, Colorado?

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

Twin Lakes Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Twin Lakes, Colorado commute length is 28.3 minutes according to City-Data.

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Compare Twin Lakes, Colorado Auto Insurance Quotes

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