Lakewood Auto Insurance Rates, Quotes, Agents & Reviews in CO

Lakewood, CO Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Lakewood, CO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Compare Quotes from Top Providers and Save now!

Factors that can influence the cost of car insurance in Lakewood, CO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.


Lakewood, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Lakewood, CO with that of other cities in and around Lakewood.

Lakewood Edgewater Wheat Ridge Northeast Jefferson Dakota Ridge East Pleasant View
Average Insurance Rates $1,173 $1,829 $1,182 $1,833 $1,832 $1,824

Lakewood, CO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Lakewood, CO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Lakewood $1,286 $1,087
East Pleasant View $1,595 $1,348
Northeast Jefferson $1,002 $847
West Pleasant View $2,079 $1,756
Applewood $1,859 $1,570
Edgewater $1,420 $1,200
Wheat Ridge $2,208 $1,865
Dakota Ridge $1,936 $1,636

Lakewood, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Lakewood, CO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,806
20 Years $1,507
30 Years $1,161
40 Years $1,117
50 Years $1,034
60 Years $1,049
70 Years $1,221

Lakewood, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Lakewood, CO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,994 $352
3 Vehicles $2,991 $528
4 Vehicles $3,988 $704

Savings on 2 Vehicles bundle:$352

Savings on 3 Vehicles bundle:$528

Savings on 4 Vehicles bundle:$704


Lakewood, CO Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Lakewood, CO.

Location Average Insurance Cost Post DUI Insurance Rate
Lakewood $1,173 $1,773
East Pleasant View $1,824 $2,757
Northeast Jefferson $1,833 $2,771
West Pleasant View $1,801 $2,722
Applewood $1,908 $2,884
Edgewater $1,829 $2,764
Wheat Ridge $1,182 $1,787
Dakota Ridge $1,832 $2,769

Lakewood, CO Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,006
Excellent (740-799) $1,149
Good (670-739) $1,222
Average (580-669) $1,595
Poor (300-579) $1,913

Lakewood, CO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$52 $1,225
Driver's Failure In Showing Documents +$114 $1,287
Driving With An Expired Registration +$121 $1,294
Driving At A Considerably Slow Pace +$255 $1,428
Using A Cellphone While Driving +$269 $1,442
Running A Red Light +$273 $1,446
Speeding +$287 $1,460
Driving A Vehicle Without The Required Permission +$365 $1,538
Driving With An Expired/Suspended License +$791 $1,964

Lakewood, CO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,126
Active Disabling Device $1,126
Tracking Device $1,103
Passive Disabling Device $1,091

Latest Auto Insurance Reviews in Lakewood, CO | Back to Top

Usaa
Their premiums and deductibles are very reasonable. They are not too expensive and cover many different things.
State Farm
The premium and deductibles of my policy at State Farm are pretty comparable to other rates provided by other companies. I am satisfied.
Allstate
Allstate customer service has been quite helpful when I need help. I've never had an experience where a representative was rude or could not fully explain to me answers for the questions I had.
Usaa
From my personal experience, they offered me the most competitive rate and their policy is easily bundled with other policies which helps me save more.
Usaa
I would definitely recommend USAA looking for any insurance needs. The are great, pleasant, responsive, reasonable and a pleasure to deal with.
Progressive
I've had very good customer service experience with Progressive. I've been fortunate not having to have to call them too often is my driving record is pretty good and I haven't had many accidents.
Usaa
I give USAA a 5 for their auto insurance package. Again, like their home insurance, their rates are very low and fair to customers.
Usaa
I give USAA a 5 for their auto insurance package. Again, like their home insurance, their rates are very low and fair to customers.
Usaa
For the same coverage other insurance companies charge a lot more. USAA is specially designed to take care of service members.
Usaa
I have auto and home insurance with USAA. I have been in two car accidents while on this insurance, and they have done a wonderful job of handling each individual situation. I am happy with my service (1).
Aaa
The coverage I receive seems to be a great value. With the previous company I paid 25 percent more for the same coverage and did not get the same benefits such as the roadside assistance. Its reassuring to know I can pay a market price and still get excellent service. The roadside assistance and the customer service are worth a lot to me.
Usaa
What I like about USAA is that it is a faithful company, and since I have been a long standing member I also get benefits as well. The company stands by their word.
Liberty Mutual
What I like most about my insurance company is the ease of having a phone application to make policy changes, check payment schedules and access to proof of insurance
Usaa
My premium seems to be less than others when I check. It is still higher than I would like, though I am told I cannot lower it until my car is paid off and I have another 6 months without any traffic violations. Once this happens, I plan on re-evaluating both my current company and others.