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

Zimlon, through its research, found that car owners in Louisville, 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.

Factors that can influence the cost of car insurance in Louisville, 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.

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

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

	Louisville	Lafayette-Louisville	Boulder	Superior	Paragon Estates	Broomfield County
Average Insurance Rates	$1,945	$1,902	$1,049	$1,946	$2,202	$1,124

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Louisville, 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 Louisville, 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)
Louisville	$2,621	$2,214
Paragon Estates	$2,156	$1,821
Lafayette-Louisville	$1,947	$1,644
Superior	$1,401	$1,183
Lafayette	$1,345	$1,136
Broomfield County	$1,152	$973
Broomfield	$1,349	$1,140
Boulder	$1,902	$1,607

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

Teenagers in Louisville, 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	$6,311
20 Years	$2,499
30 Years	$1,925
40 Years	$1,852
50 Years	$1,715
60 Years	$1,739
70 Years	$2,024

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

Car owners in Louisville, 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	$3,307	$584
3 Vehicles	$4,960	$875
4 Vehicles	$6,613	$1,167

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Louisville, 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 Louisville, CO.

Location	Average Insurance Cost	Post DUI Insurance Rate
Louisville	$1,945	$2,940
Paragon Estates	$2,202	$3,328
Lafayette-Louisville	$1,902	$2,875
Superior	$1,946	$2,941
Lafayette	$1,852	$2,799
Broomfield County	$1,124	$1,699
Broomfield	$1,118	$1,690
Boulder	$1,049	$1,586

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Louisville, 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)	$1,669
Excellent (740-799)	$1,905
Good (670-739)	$2,027
Average (580-669)	$2,644
Poor (300-579)	$3,173

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Louisville, CO Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name	Company	Agent Address	Contact Details
Rashad Younger	Liberty Mutual	1675 Larimer Street. Ste. 103, Denver, 80202	1-303-524-1959
Aloha Insurance Llc	None	8753 Yates Dr Ste 200 , Westminster, 80031	None
Dave Diorio	State Farm	1075 E S Boulder Rd Ste 120, Louisville, 80027-2557	303-665-3273
Ruth Payan	Farmers	3520 W 92nd Ave Ste 202, Westminster, 80031	(303) 430-4482
Amos Baca	State Farm	12041 Pennsylvania St Ste A, Thornton, 80241-3166	303-252-8286
Kim Adame	State Farm	11480 Sheridan Blvd Ste 303, Westminster, 80020-3347	303-464-8840
Premier Ins-Kline S	Travelers	1681 W 115TH CIR, WESTMINSTER, 80234	303-668-5026
Colorado Restaurant Ins Agcy Inc	Liberty Mutual Independent	430 E 7Th Ave, Denver, 80203	None
Frank Chavez Lutcf	Farmers	11178 HURON ST STE 6, Northglenn, 80234	(303) 280-1078
Hucke Insurance Services Inc	Allstate	11152 Huron St Ste 212, Northglenn, 80234	(303) 255-2323

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Louisville, 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	+$86	$2,031
Driver's Failure In Showing Documents	+$189	$2,134
Driving With An Expired Registration	+$200	$2,145
Driving At A Considerably Slow Pace	+$422	$2,367
Using A Cellphone While Driving	+$445	$2,390
Running A Red Light	+$453	$2,398
Speeding	+$477	$2,422
Driving A Vehicle Without The Required Permission	+$605	$2,550
Driving With An Expired/Suspended License	+$1,311	$3,256

Louisville, 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	$1,867
Active Disabling Device	$1,867
Tracking Device	$1,828
Passive Disabling Device	$1,809

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