Cheapest Car Insurance Quotes in Las Animas

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Las Animas Car Insurance

^$ 26

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Las Animas

The car insurance rate in Las Animas is $1325 for a six-month policy, which is $109 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $401, making it a popular choice for budget-conscious drivers. Rates in Las Animas can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Las Animas

$1325

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Las Animas

1st place: Colorado Farm Bureau

At $401 for a six month policy, Colorado Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $440 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $661 for six months, making it the third cheapest auto insurance company in Las Animas.

Las Animas Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Las Animas, CO is Colorado Farm Bureau, offering policies at just $401 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $440.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1606 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Las Animas drivers find the best deals.

Cheap Car Insurance Companies in Las Animas, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$401	$66
American National P&C	$440	$75
Auto-Owners Insurance Co	$661	$110
Acuity	$718	$122
Colorado Farm Bureau Mutual	$841	$141
American National	$1088	$185
American Family	$1107	$186
USAA	$1243	$209
State Farm	$1502	$253
Progressive	$1528	$257
Allstate	$2085	$351
Nationwide	$2363	$402
Farmers	$2603	$438
Auto-Owners	$1172	$195
Farm Bureau	$1865	$317
California Casualty	$1606	$268

Key Takeaways

Way's key takeaways about car insurance in Las Animas

The auto insurance costs in Las Animas fall around $401 for six months.
The cheapest auto insurance company in Las Animas is Colorado Farm Bureau.
Teen drivers pay the highest rate in Las Animas at $652 per month.

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Cheapest Minimum Liability Car Insurance in Las Animas

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Las Animas are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Las Animas. Their Average 6 Month Premium is $156. California Casualty is the most expensive at $227 for the same period.

Cheapest Liability Coverage in Las Animas, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$156	$26
American National P&C	$168	$28
American National	$201	$34
Colorado Farm Bureau Mutual	$233	$39
USAA	$278	$47
Progressive	$291	$49
Auto-Owners Insurance Co	$304	$51
Farm Bureau	$311	$52
Acuity	$330	$56
American Family	$350	$59
State Farm	$356	$60
Farmers	$550	$92
Allstate	$615	$105
Auto-Owners	$434	$72
Nationwide	$718	$120
California Casualty	$227	$38

Cheapest Full Coverage Car Insurance in Las Animas

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Las Animas is Colorado Farm Bureau at $66 per month and $401 for six months.

Cheapest Full Coverage Car Insurance Quotes in Las Animas, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$401	$66
American National P&C	$440	$75
Auto-Owners Insurance Co	$661	$110
Acuity	$718	$122
Colorado Farm Bureau Mutual	$841	$141
American National	$1088	$185
American Family	$1107	$186
USAA	$1243	$209
State Farm	$1502	$253
Progressive	$1528	$257
Allstate	$2085	$351
Nationwide	$2363	$402
Farmers	$2603	$438
Auto-Owners	$1172	$195
Farm Bureau	$1865	$317
California Casualty	$1606	$268

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Average Car Insurance in Las Animas by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Las Animas, CO increasing?

Despite maintaining a clean driving record, your car insurance rates in Las Animas, Colorado, may be increasing due to several external factors. Colorado has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Las Animas's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Las Animas

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Las Animas,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Las Animas at $27 per month. At $3832 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$162	$27
American National P&C	$201	$34
California Casualty	$227	$38
Colorado Farm Bureau	$284	$48
Auto-Owners Insurance Co	$414	$69
Colorado Farm Bureau Mutual	$1482	$252
USAA	$1858	$313
American Family	$2324	$391
State Farm	$3302	$556
Progressive	$4034	$679
Allstate	$4351	$732
Nationwide	$7543	$1283
Farmers	$9563	$1610
Auto-Owners	$3832	$652

Teen Car Insurance Rates in CO by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Las Animas, Colorado Farm Bureau is the cheapest car insurance provider. At $304 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Las Animas is AutoOwners, offering rates of around $3548 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$304	$51
Acuity	$467	$77
American Family	$1515	$255
Progressive	$2007	$338
USAA	$2246	$382
Farmers	$2971	$500
Nationwide	$3587	$610
Allstate	$3982	$664
State Farm	$6928	$1178
Auto-Owners	$3548	$603

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Car Insurance Rates with An Accident in Las Animas

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Las Animas, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Las Animas

The cheapest car insurance companies after an at-fault accident in Las Animas include Colorado Farm Bureau and American National, offering $194 and $227, respectively. AutoOwners is an expensive provider with an average six-month premium of $1949.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$194	$33
American National	$227	$38
American National P&C	$240	$40
Farm Bureau	$304	$51
California Casualty	$440	$73
Colorado Farm Bureau Mutual	$1017	$173
USAA	$1075	$181
State Farm	$1127	$190
American Family	$1359	$229
Progressive	$2020	$340
Allstate	$3050	$513
Farmers	$3568	$601
Nationwide	$4144	$691
Auto-Owners	$1949	$325

Las Animas Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Las Animas CO. For example, the car insurance in Las Animas after a DUI increases to $1152 for a six month policy. While the rate increases by $337 for a six-month policy in the case of a speeding ticket.

Las Animas auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1444	$241
One Med/PIP claim	$1451	$246
Not-at-fault accident	$1476	$246
One comp claim	$1482	$252
Two Med/PIP claims	$1482	$247
Two comp claims	$1541	$262
Failure to wear a seat belt	$1612	$269
Failure to show documents	$1625	$277
Child safety restraint	$1645	$274
Driving without lights	$1645	$280
Driving with expired registration	$1709	$284
Texting while driving	$1729	$294
At-fault accident - less than $1000	$1742	$290
Cell phone violation	$1748	$298
Failure to yield	$1748	$291
Following too closely	$1748	$298
Illegal turn	$1748	$291
Failure to stop at a red light	$1755	$299
Driving too slowly	$1761	$293
Improper passing	$1768	$301
Wrong way/wrong lane	$1775	$295
Speeding 6 - 10 MPH over limit	$1781	$303
Speeding 11 - 15 MPH over limit	$1787	$298
Speeding 16 - 20 MPH over limit	$1787	$304
Speeding in school zone	$1793	$299
Passing school bus	$1826	$311
In 65 MPH zone	$1942	$324
Operating a vehicle without permission	$1949	$331
Speeding 21 - 25 MPH over limit	$1975	$329
Open container	$2026	$344
At-fault accident - $1000-$2000	$2130	$355
At-fault accident - greater than $2000	$2176	$370
Driving with a suspended license	$2279	$379
Reckless driving	$2512	$427
Refusal to submit to a chemical test	$2538	$423
Racing	$2564	$436
DUI	$2596	$433
Leaving scene of an accident/hit and run	$2693	$458

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Las Animas after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Las Animas.

The cheapest car insurance premiums in Las Animas are offered by Colorado Farm Bureau at $227 for a six-month policy. However, it can be as expensive as $2422 with companies like AutoOwners.

Las Animas car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$227	$38
American National	$240	$40
American National P&C	$271	$46
Farm Bureau	$356	$59
Colorado Farm Bureau Mutual	$1036	$177
Progressive	$1231	$207
State Farm	$1315	$221
American Family	$1463	$246
USAA	$1548	$261
Farmers	$2227	$375
Allstate	$2623	$441
Nationwide	$5594	$932
Auto-Owners	$2422	$412

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Las Animas are offered by American National P&C at $201. However, it can be as expensive as $1218 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Las Animas after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$201	$34
Colorado Farm Bureau	$207	$35
Auto-Owners Insurance Co	$330	$55
State Farm	$991	$167
American Family	$1049	$177
USAA	$1392	$237
Progressive	$1606	$270
Allstate	$2623	$446
Nationwide	$3418	$570
Farmers	$4461	$759
Auto-Owners	$1218	$207

Car Insurance Price Trends in Las Animas, Colorado

Car insurance rates in Las Animas have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Las Animas rose by $283 in January compared to $256 of December. In other words, there has been an increase by $27 when you compare January and December.

The average cost of liability insurance in the Las Animas dipped to $52 in January, compared to $63 in December. This represents an decrease of $11 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Las Animas?

The car insurance in Las Animas is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Las Animas?

The cheapest car insurance in Las Animas is $66 per month for full coverage.

How much is car insurance in Las Animas for teenagers?

Car insurance for teenagers costs $162 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Las Animas?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $223 per month to insure your car in Las Animas.

Is car insurance expensive in Las Animas?

Car insurance can be expensive in Las Animas if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Las Animas can be affordable.

What is the best car insurance in Las Animas, CO?

The best car insurance company in Las Animas CO is Colorado Farm Bureau, offering $401 for a six-month policy.