Cheapest Car Insurance Quotes in Lochbuie

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Lochbuie Car Insurance

^$ 25

/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 Lochbuie

The car insurance rate in Lochbuie is $1252 for a six-month policy, which is $36 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $379, making it a popular choice for budget-conscious drivers. Rates in Lochbuie 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 Lochbuie

$1252

Avg. Car Insurance in Colorado

$1216

National Average

$1278

Cheapest Car Insurance Companies in Lochbuie

1st place: Colorado Farm Bureau

At $379 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 $416 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 $624 for six months, making it the third cheapest auto insurance company in Lochbuie.

Lochbuie Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Lochbuie, CO is Colorado Farm Bureau, offering policies at just $379 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $416.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1517 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Lochbuie drivers find the best deals.

Cheap Car Insurance Companies in Lochbuie, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$379	$63
American National P&C	$416	$71
Auto-Owners Insurance Co	$624	$104
Acuity	$679	$115
Colorado Farm Bureau Mutual	$795	$133
American National	$1028	$175
American Family	$1046	$176
USAA	$1174	$198
State Farm	$1419	$239
Progressive	$1444	$243
Allstate	$1970	$332
Nationwide	$2233	$380
Farmers	$2460	$414
Auto-Owners	$1107	$184
Farm Bureau	$1762	$300
California Casualty	$1517	$253

Key Takeaways

Way's key takeaways about car insurance in Lochbuie

The auto insurance costs in Lochbuie fall around $379 for six months.
The cheapest auto insurance company in Lochbuie is Colorado Farm Bureau.
Teen drivers pay the highest rate in Lochbuie at $616 per month.

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Cheapest Minimum Liability Car Insurance in Lochbuie

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 Lochbuie are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Lochbuie. Their Average 6 Month Premium is $147. California Casualty is the most expensive at $214 for the same period.

Cheapest Liability Coverage in Lochbuie, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$147	$25
American National P&C	$159	$27
American National	$190	$32
Colorado Farm Bureau Mutual	$220	$37
USAA	$263	$44
Progressive	$275	$46
Auto-Owners Insurance Co	$287	$48
Farm Bureau	$294	$49
Acuity	$312	$53
American Family	$331	$56
State Farm	$337	$57
Farmers	$520	$87
Allstate	$581	$99
Auto-Owners	$410	$68
Nationwide	$679	$113
California Casualty	$214	$36

Cheapest Full Coverage Car Insurance in Lochbuie

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 Lochbuie is Colorado Farm Bureau at $63 per month and $379 for six months.

Cheapest Full Coverage Car Insurance Quotes in Lochbuie, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$379	$63
American National P&C	$416	$71
Auto-Owners Insurance Co	$624	$104
Acuity	$679	$115
Colorado Farm Bureau Mutual	$795	$133
American National	$1028	$175
American Family	$1046	$176
USAA	$1174	$198
State Farm	$1419	$239
Progressive	$1444	$243
Allstate	$1970	$332
Nationwide	$2233	$380
Farmers	$2460	$414
Auto-Owners	$1107	$184
Farm Bureau	$1762	$300
California Casualty	$1517	$253

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Average Car Insurance in Lochbuie 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 Lochbuie, CO increasing?

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

Car Insurance Premiums by Age in Lochbuie

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 Lochbuie,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Lochbuie at $26 per month. At $3621 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$153	$26
American National P&C	$190	$32
California Casualty	$214	$36
Colorado Farm Bureau	$269	$45
Auto-Owners Insurance Co	$391	$65
Colorado Farm Bureau Mutual	$1401	$238
USAA	$1756	$296
American Family	$2196	$370
State Farm	$3120	$525
Progressive	$3812	$642
Allstate	$4112	$692
Nationwide	$7128	$1212
Farmers	$9036	$1521
Auto-Owners	$3621	$616

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 Lochbuie, Colorado Farm Bureau is the cheapest car insurance provider. At $287 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 Lochbuie is AutoOwners, offering rates of around $3353 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$287	$48
Acuity	$441	$73
American Family	$1432	$241
Progressive	$1896	$319
USAA	$2123	$361
Farmers	$2808	$473
Nationwide	$3390	$577
Allstate	$3763	$627
State Farm	$6547	$1113
Auto-Owners	$3353	$570

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Car Insurance Rates with An Accident in Lochbuie

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

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

The cheapest car insurance companies after an at-fault accident in Lochbuie include Colorado Farm Bureau and American National, offering $183 and $214, respectively. AutoOwners is an expensive provider with an average six-month premium of $1842.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$183	$31
American National	$214	$36
American National P&C	$227	$38
Farm Bureau	$287	$48
California Casualty	$416	$69
Colorado Farm Bureau Mutual	$961	$164
USAA	$1016	$171
State Farm	$1065	$179
American Family	$1284	$216
Progressive	$1909	$321
Allstate	$2882	$485
Farmers	$3371	$568
Nationwide	$3916	$653
Auto-Owners	$1842	$307

Lochbuie Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Lochbuie CO. For example, the car insurance in Lochbuie after a DUI increases to $1088 for a six month policy. While the rate increases by $318 for a six-month policy in the case of a speeding ticket.

Lochbuie auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1365	$228
One Med/PIP claim	$1371	$233
Not-at-fault accident	$1395	$233
One comp claim	$1401	$238
Two Med/PIP claims	$1401	$234
Two comp claims	$1456	$247
Failure to wear a seat belt	$1523	$254
Failure to show documents	$1536	$262
Child safety restraint	$1554	$259
Driving without lights	$1554	$265
Driving with expired registration	$1615	$269
Texting while driving	$1634	$278
At-fault accident - less than $1000	$1646	$274
Cell phone violation	$1652	$281
Failure to yield	$1652	$275
Following too closely	$1652	$281
Illegal turn	$1652	$275
Failure to stop at a red light	$1658	$282
Driving too slowly	$1664	$277
Improper passing	$1671	$284
Wrong way/wrong lane	$1677	$279
Speeding 6 - 10 MPH over limit	$1683	$286
Speeding 11 - 15 MPH over limit	$1688	$281
Speeding 16 - 20 MPH over limit	$1688	$287
Speeding in school zone	$1694	$282
Passing school bus	$1725	$294
In 65 MPH zone	$1835	$306
Operating a vehicle without permission	$1842	$313
Speeding 21 - 25 MPH over limit	$1866	$311
Open container	$1915	$325
At-fault accident - $1000-$2000	$2013	$336
At-fault accident - greater than $2000	$2056	$349
Driving with a suspended license	$2154	$358
Reckless driving	$2374	$404
Refusal to submit to a chemical test	$2398	$400
Racing	$2423	$412
DUI	$2453	$409
Leaving scene of an accident/hit and run	$2545	$433

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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 Lochbuie 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 Lochbuie.

The cheapest car insurance premiums in Lochbuie are offered by Colorado Farm Bureau at $214 for a six-month policy. However, it can be as expensive as $2289 with companies like AutoOwners.

Lochbuie car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$214	$36
American National	$227	$38
American National P&C	$256	$43
Farm Bureau	$337	$56
Colorado Farm Bureau Mutual	$979	$167
Progressive	$1163	$196
State Farm	$1242	$209
American Family	$1382	$233
USAA	$1463	$246
Farmers	$2104	$354
Allstate	$2478	$417
Nationwide	$5286	$881
Auto-Owners	$2289	$389

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 Lochbuie are offered by American National P&C at $190. However, it can be as expensive as $1151 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Lochbuie after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$190	$32
Colorado Farm Bureau	$196	$33
Auto-Owners Insurance Co	$312	$52
State Farm	$936	$158
American Family	$991	$167
USAA	$1315	$224
Progressive	$1517	$255
Allstate	$2478	$421
Nationwide	$3230	$539
Farmers	$4216	$717
Auto-Owners	$1151	$196

Car Insurance Price Trends in Lochbuie, Colorado

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

The average cost of full coverage in the Lochbuie rose by $268 in January compared to $242 of December. In other words, there has been an increase by $26 when you compare January and December.

The average cost of liability insurance in the Lochbuie dipped to $49 in January, compared to $60 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 Lochbuie?

The car insurance in Lochbuie is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Lochbuie?

The cheapest car insurance in Lochbuie is $63 per month for full coverage.

How much is car insurance in Lochbuie for teenagers?

Car insurance for teenagers costs $153 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 Lochbuie?

The average cost of car insurance is $1216 for a six-month policy. It will cost around $211 per month to insure your car in Lochbuie.

Is car insurance expensive in Lochbuie?

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

What is the best car insurance in Lochbuie, CO?

The best car insurance company in Lochbuie CO is Colorado Farm Bureau, offering $379 for a six-month policy.