Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Lamar for teen drivers is State Farm
  • Average car insurance rates in Lamar, CO are $320/month
  • The cheapest car insurance company in Lamar after a DUI is State Farm

Average car insurance rates in Lamar, Colorado are $320 a month. But with a little research you can get a great deal from the top car insurance companies in Lamar, CO. Before you buy Lamar, Colorado car insurance, make sure your coverage meets or exceeds the Colorado minimum of 25/50/15.

It may even be helpful to compare Lamar car insurance rates with Fort Collins car insurance rates, Lakewood car insurance rates, or Pueblo car insurance rates to make sure you’re getting the best Lamar, CO car insurance quotes available.

Need affordable Lamar, CO car insurance? Enter your ZIP code to compare Lamar car insurance quotes from multiple car insurance companies near you.

Lamar, CO Minimum Car Insurance Coverage

Lamar, Colorado law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.

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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Lamar, CO Car Insurance Rates by Coverage Level

Some Lamar drivers can get by with the Colorado minimum coverage of 25/50/15. Other drivers may need more. See how much your Lamar, Colorado car insurance rates may be based on the coverage you need.

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

Lamar, CO Car Insurance Rates by Age, Gender, and Marital Status

Lamar, Colorado car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Lamar, CO car insurance, get quotes from multiple car insurance companies in the Lamar area and see how these criteria affect your rates.

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

Lamar, CO Car Insurance Rates for Teens

How much is Lamar, Colorado car insurance for teens? Compare rates from top Lamar car insurance companies below to help find the cheapest teen car insurance in Lamar, CO.

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

Lamar, CO Car Insurance Rates for Seniors

Before seniors buy Lamar, Colorado car insurance, they should make sure to shop around. Some Lamar, CO car insurance companies may offer discounts or other savings options for senior car insurance.

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

Lamar, CO Car Insurance Rates by Credit History

How does your credit history affect Lamar, CO car insurance rates? Review the numbers here to find out.

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

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Lamar, CO Car Insurance Rates by Driver History

How does a single speeding ticket affect your Lamar, Colorado car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Lamar.

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

Lamar, CO Car Insurance Rates With a DUI

Even a single DUI can increase your Lamar, CO car insurance rates. Compare rates below to see which Lamar car insurance company has the best rates for drivers with a DUI.

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

Lamar, CO Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Lamar, CO car insurance rates may be. Let’s take a look at average car insurance rates from top Lamar companies based on commute time.

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

Lamar, CO Cheapest Car Insurance Rates

How do the top Lamar, Colorado car insurance companies’ average rates stack up against the Lamar average monthly car insurance rates of $320? Take a look and see.

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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Lamar, CO Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Lamar, Colorado car insurance companies to help you find one that best fits your needs.

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

Other Factors Affecting Lamar, CO Car Insurance Rates

Before you buy Lamar, Colorado car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Lamar, CO Commute Time

How does your Lamar, CO commute time compare with the average driver? In Lamar, the average commute is 11.9 minutes.

Lamar, CO Car Insurance Quotes

Compare Lamar, CO car insurance quotes from multiple companies by entering your ZIP code now.