Cheap Quotes for Lamar, CO Car Insurance (2021)

Lamar, Colorado car insurance rates average $320 a month and Colorado law requires coverage of at least 25/50/15. By comparing rates from multiple Lamar, CO companies, you can find cheap Lamar car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent Brad Larsen

UPDATED: Apr 15, 2022

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Things to Know

  • Average car insurance rates in Lamar, CO are $320/month
  • Lamar has an average commute time of 11.9 minutes
  • Average car insurance rates in Lamar, CO for senior drivers are $2,299/year

How do the Lamar, Colorado monthly average car insurance rates of $320/month compare to nearby cities like Centennial car insurance rates, Fort Collins car insurance rates, and Greeley car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Lamar, CO.

We’ll cover the Colorado minimum coverage requirements, Colorado car insurance laws, and Lamar, CO statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Lamar, Colorado companies to find the most affordable Lamar car insurance rates.

Enter your ZIP code above to find cheap Lamar, CO car insurance quotes today.

What are the minimum Lamar, CO car insurance requirements?

To meet Colorado minimum car insurance coverage requirements, Lamar, CO drivers need to carry at least 25/50/15 coverage.

Minimum Required Car 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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How do age, gender, and marital status affect Lamar, CO car insurance rates?

Three of the criteria that most affect car insurance rates in Lamar, Colorado are age, gender, and marital status. Let’s take a look at how each of these stack up with top Lamar car insurance companies.

Annual Car 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

How much do teen drivers pay for car insurance in Lamar, CO?

Lamar, Colorado car insurance rates for teens are often higher than rates for other drivers. Compare Lamar car insurance rates from multiple Lamar, Colorado car insurance companies to get the best deal.

Annual Car 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

How much do senior drivers pay for car insurance in Lamar, CO?

With a little research, seniors can find affordable car insurance in Lamar, Colorado. Here’s a look at how the top Lamar car insurance companies stack up.

Annual Car 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

How does coverage level affect Lamar, CO car insurance rates?

How much coverage do you need? Are you comfortable with the Colorado minimum of 25/50/15 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Lamar, CO car insurance rates will be. Let’s take a look.

Annual Car 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

How does your driving record affect Lamar, CO car insurance rates?

Safe driving pays off. The more traffic violations you have in Lamar, CO, the higher your car insurance rates will be. Compare rates based on driving infractions from top Lamar, Colorado companies.

Annual Lamar, Colorado Car 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

How does a DUI affect Lamar, CO car insurance rates?

With even one DUI on your record, you can see an increase in your Lamar, CO car insurance rates.

Annual Car Insurance Rates After a DUI in Lamar, Colorado

Insurance Company Annual Car 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

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How does your credit history affect Lamar, CO car insurance rates?

Take a look at the data here to see how your Lamar, Colorado car insurance rates are affected by your credit history.

Annual Car 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

How does your commute affect Lamar, CO car insurance rates?

Lamar, CO car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Colorado can be seen here. Remember, though, that you may have to carry substantially more car insurance in Lamar if you’re financing.

Annual Car Insurance Rates by Commute Length in Lamar, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Who has the cheapest Lamar, CO car insurance rates?

Here’s a breakdown of Lamar, Colorado car insurance rates by company. You can see which company offers the cheapest Lamar car insurance rates in each category.

Best Annual Car 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

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What are the top Lamar, CO car insurance companies?

Which Lamar, Colorado car insurance company will best fit your needs and budget? Check out this comparison of the top Lamar companies to find the one for you.

Average Annual Car 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 factors affect Lamar, CO car insurance rates?

Why are Lamar, Colorado car insurance rates different than rates in Centennial or Fort Collins? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

How long is the average commute in Lamar, CO?

More time spent behind the wheel can lead to higher Lamar, Colorado car insurance rates. In Lamar, CO, the average commute length is 11.9 minutes.

Car Insurance Quotes for Lamar, CO

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