Cheapest Car Insurance Quotes in Lazear

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Lazear Car Insurance

^$ 21

/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 Lazear

The car insurance rate in Lazear is $1046 for a six-month policy, which is $170 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $316, making it a popular choice for budget-conscious drivers. Rates in Lazear 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 Lazear

$1046

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Lazear

1st place: Colorado Farm Bureau

At $316 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 $347 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 $521 for six months, making it the third cheapest auto insurance company in Lazear.

Lazear Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lazear, CO is Colorado Farm Bureau, offering policies at just $316 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $347.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1267 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lazear drivers find the best deals.

Cheap Car Insurance Companies in Lazear, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$316	$52
American National P&C	$347	$59
Auto-Owners Insurance Co	$521	$87
Acuity	$567	$96
Colorado Farm Bureau Mutual	$664	$111
American National	$858	$146
American Family	$874	$147
USAA	$980	$165
State Farm	$1185	$200
Progressive	$1206	$203
Allstate	$1645	$277
Nationwide	$1864	$317
Farmers	$2054	$346
Auto-Owners	$925	$154
Farm Bureau	$1471	$250
California Casualty	$1267	$212

Key Takeaways

Way's key takeaways about car insurance in Lazear

The auto insurance costs in Lazear fall around $316 for six months.
The cheapest auto insurance company in Lazear is Colorado Farm Bureau.
Teen drivers pay the highest rate in Lazear at $514 per month.

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Cheapest Minimum Liability Car Insurance in Lazear

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 Lazear are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Lazear. Their Average 6 Month Premium is $123. California Casualty is the most expensive at $179 for the same period.

Cheapest Liability Coverage in Lazear, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$123	$21
American National P&C	$132	$22
American National	$158	$27
Colorado Farm Bureau Mutual	$184	$31
USAA	$219	$37
Progressive	$230	$39
Auto-Owners Insurance Co	$240	$40
Farm Bureau	$245	$41
Acuity	$261	$44
American Family	$276	$46
State Farm	$281	$47
Farmers	$434	$72
Allstate	$485	$83
Auto-Owners	$342	$57
Nationwide	$567	$95
California Casualty	$179	$30

Cheapest Full Coverage Car Insurance in Lazear

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 Lazear is Colorado Farm Bureau at $52 per month and $316 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lazear, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$316	$52
American National P&C	$347	$59
Auto-Owners Insurance Co	$521	$87
Acuity	$567	$96
Colorado Farm Bureau Mutual	$664	$111
American National	$858	$146
American Family	$874	$147
USAA	$980	$165
State Farm	$1185	$200
Progressive	$1206	$203
Allstate	$1645	$277
Nationwide	$1864	$317
Farmers	$2054	$346
Auto-Owners	$925	$154
Farm Bureau	$1471	$250
California Casualty	$1267	$212

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Average Car Insurance in Lazear 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 Lazear, CO increasing?

Despite maintaining a clean driving record, your car insurance rates in Lazear, 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, Lazear's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Lazear

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 Lazear,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Lazear at $22 per month. At $3024 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$128	$22
American National P&C	$158	$27
California Casualty	$179	$30
Colorado Farm Bureau	$224	$38
Auto-Owners Insurance Co	$327	$54
Colorado Farm Bureau Mutual	$1170	$199
USAA	$1466	$247
American Family	$1834	$309
State Farm	$2605	$439
Progressive	$3183	$536
Allstate	$3433	$578
Nationwide	$5951	$1012
Farmers	$7545	$1270
Auto-Owners	$3024	$514

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 Lazear, Colorado Farm Bureau is the cheapest car insurance provider. At $240 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 Lazear is AutoOwners, offering rates of around $2799 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$240	$40
Acuity	$368	$61
American Family	$1195	$201
Progressive	$1583	$267
USAA	$1772	$301
Farmers	$2344	$395
Nationwide	$2830	$482
Allstate	$3142	$524
State Farm	$5466	$930
Auto-Owners	$2799	$476

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Car Insurance Rates with An Accident in Lazear

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 Lazear, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Lazear

The cheapest car insurance companies after an at-fault accident in Lazear include Colorado Farm Bureau and American National, offering $153 and $179, respectively. AutoOwners is an expensive provider with an average six-month premium of $1538.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$153	$26
American National	$179	$30
American National P&C	$189	$32
Farm Bureau	$240	$40
California Casualty	$347	$58
Colorado Farm Bureau Mutual	$802	$137
USAA	$848	$143
State Farm	$889	$150
American Family	$1072	$181
Progressive	$1594	$268
Allstate	$2406	$405
Farmers	$2815	$474
Nationwide	$3270	$545
Auto-Owners	$1538	$256

Lazear Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lazear CO. For example, the car insurance in Lazear after a DUI increases to $909 for a six month policy. While the rate increases by $265 for a six-month policy in the case of a speeding ticket.

Lazear auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1140	$190
One Med/PIP claim	$1145	$194
Not-at-fault accident	$1164	$194
One comp claim	$1170	$199
Two Med/PIP claims	$1170	$195
Two comp claims	$1216	$206
Failure to wear a seat belt	$1272	$212
Failure to show documents	$1282	$218
Child safety restraint	$1298	$216
Driving without lights	$1298	$221
Driving with expired registration	$1348	$224
Texting while driving	$1364	$232
At-fault accident - less than $1000	$1374	$229
Cell phone violation	$1379	$235
Failure to yield	$1379	$230
Following too closely	$1379	$235
Illegal turn	$1379	$230
Failure to stop at a red light	$1385	$236
Driving too slowly	$1390	$231
Improper passing	$1395	$237
Wrong way/wrong lane	$1400	$233
Speeding 6 - 10 MPH over limit	$1405	$239
Speeding 11 - 15 MPH over limit	$1410	$235
Speeding 16 - 20 MPH over limit	$1410	$240
Speeding in school zone	$1415	$236
Passing school bus	$1441	$245
In 65 MPH zone	$1533	$255
Operating a vehicle without permission	$1538	$261
Speeding 21 - 25 MPH over limit	$1558	$260
Open container	$1599	$272
At-fault accident - $1000-$2000	$1680	$280
At-fault accident - greater than $2000	$1717	$292
Driving with a suspended license	$1798	$299
Reckless driving	$1982	$337
Refusal to submit to a chemical test	$2002	$334
Racing	$2023	$344
DUI	$2049	$341
Leaving scene of an accident/hit and run	$2125	$361

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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 Lazear 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 Lazear.

The cheapest car insurance premiums in Lazear are offered by Colorado Farm Bureau at $179 for a six-month policy. However, it can be as expensive as $1911 with companies like AutoOwners.

Lazear car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$179	$30
American National	$189	$32
American National P&C	$214	$36
Farm Bureau	$281	$46
Colorado Farm Bureau Mutual	$817	$139
Progressive	$971	$163
State Farm	$1037	$175
American Family	$1154	$194
USAA	$1221	$206
Farmers	$1757	$296
Allstate	$2069	$348
Nationwide	$4414	$735
Auto-Owners	$1911	$325

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 Lazear are offered by American National P&C at $158. However, it can be as expensive as $961 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Lazear after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$158	$27
Colorado Farm Bureau	$163	$28
Auto-Owners Insurance Co	$261	$43
State Farm	$782	$132
American Family	$827	$139
USAA	$1098	$187
Progressive	$1267	$213
Allstate	$2069	$352
Nationwide	$2697	$450
Farmers	$3520	$599
Auto-Owners	$961	$163

Car Insurance Price Trends in Lazear, Colorado

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

The average cost of full coverage in the Lazear rose by $224 in January compared to $202 of December. In other words, there has been an increase by $22 when you compare January and December.

The average cost of liability insurance in the Lazear dipped to $41 in January, compared to $50 in December. This represents an decrease of $9 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Lazear?

The car insurance in Lazear is $21 per month, which is lower than the national average.

What is the cheapest car insurance in Lazear?

The cheapest car insurance in Lazear is $52 per month for full coverage.

How much is car insurance in Lazear for teenagers?

Car insurance for teenagers costs $128 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 Lazear?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $176 per month to insure your car in Lazear.

Is car insurance expensive in Lazear?

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

What is the best car insurance in Lazear, CO?

The best car insurance company in Lazear CO is Colorado Farm Bureau, offering $316 for a six-month policy.