Cheapest Car Insurance Quotes in San Luis

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San Luis Car Insurance

^$ 20

/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 San Luis

The car insurance rate in San Luis is $924 for a six-month policy, which is $163 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $313, making it a popular choice for budget-conscious drivers. Rates in San Luis 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 San Luis

$924

Avg. Car Insurance in Colorado

$1087

National Average

$1278

Cheapest Car Insurance Companies in San Luis

1st place: Colorado Farm Bureau

At $313 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 $343 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 $515 for six months, making it the third cheapest auto insurance company in San Luis.

San Luis Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in San Luis, CO is Colorado Farm Bureau, offering policies at just $313 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $343.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1454 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help San Luis drivers find the best deals.

Cheap Car Insurance Companies in San Luis, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$313	$54
American National P&C	$343	$57
Auto-Owners Insurance Co	$515	$88
Acuity	$560	$94
Colorado Farm Bureau Mutual	$677	$115
American Family	$818	$138
American National	$848	$145
State Farm	$924	$156
USAA	$939	$158
Farmers	$1085	$181
Progressive	$1176	$198
Allstate	$1459	$246
Nationwide	$1843	$314
Auto-Owners	$914	$152
Farm Bureau	$1454	$247

Key Takeaways

Way's key takeaways about car insurance in San Luis

The auto insurance costs in San Luis fall around $313 for six months.
The cheapest auto insurance company in San Luis is Colorado Farm Bureau.
Teen drivers pay the highest rate in San Luis at $508 per month.

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Cheapest Minimum Liability Car Insurance in San Luis

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 San Luis are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in San Luis. Their Average 6 Month Premium is $122. AutoOwners is the most expensive at $338 for the same period.

Cheapest Liability Coverage in San Luis, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$122	$20
American National P&C	$131	$22
American National	$156	$26
Colorado Farm Bureau Mutual	$187	$31
USAA	$207	$35
Auto-Owners Insurance Co	$237	$40
Farm Bureau	$242	$41
Acuity	$258	$43
State Farm	$273	$46
Progressive	$283	$48
American Family	$293	$49
Farmers	$349	$60
Allstate	$536	$90
Nationwide	$560	$95
Auto-Owners	$338	$56

Cheapest Full Coverage Car Insurance in San Luis

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 San Luis is Colorado Farm Bureau at $54 per month and $313 for six months.

Cheapest Full Coverage Car Insurance Quotes in San Luis, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$313	$54
American National P&C	$343	$57
Auto-Owners Insurance Co	$515	$88
Acuity	$560	$94
Colorado Farm Bureau Mutual	$677	$115
American Family	$818	$138
American National	$848	$145
State Farm	$924	$156
USAA	$939	$158
Farmers	$1085	$181
Progressive	$1176	$198
Allstate	$1459	$246
Nationwide	$1843	$314
Auto-Owners	$914	$152
Farm Bureau	$1454	$247

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Average Car Insurance in San Luis 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 San Luis, CO increasing?

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

Car Insurance Premiums by Age in San Luis

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 San Luis,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the San Luis at $21 per month. At $2989 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$127	$21
American National P&C	$156	$26
California Casualty	$177	$30
Colorado Farm Bureau	$222	$37
Auto-Owners Insurance Co	$323	$55
USAA	$1171	$197
American Family	$1822	$307
State Farm	$1858	$313
Progressive	$2212	$372
Allstate	$3721	$621
Nationwide	$5882	$1000
Colorado Farm Bureau Mutual	$1156	$196
Farmers	$7457	$1255
Auto-Owners	$2989	$508

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 San Luis, Colorado Farm Bureau is the cheapest car insurance provider. At $237 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 San Luis is AutoOwners, offering rates of around $2767 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$237	$40
Acuity	$364	$62
Farmers	$429	$71
American Family	$1182	$199
Progressive	$1565	$264
USAA	$1752	$298
Nationwide	$2797	$466
Allstate	$3105	$528
State Farm	$5403	$900
Auto-Owners	$2767	$470

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Car Insurance Rates with An Accident in San Luis

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

Cheapest Car Insurance Companies after an At-Fault Accident in San Luis

The cheapest car insurance companies after an at-fault accident in San Luis include Colorado Farm Bureau and American National, offering $151 and $177, respectively. AutoOwners is an expensive provider with an average six-month premium of $1520.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$151	$26
American National	$177	$30
American National P&C	$187	$31
Farm Bureau	$237	$40
California Casualty	$343	$57
State Farm	$656	$111
USAA	$752	$127
American Family	$1000	$168
Progressive	$1398	$235
Allstate	$2868	$488
Nationwide	$3232	$539
Colorado Farm Bureau Mutual	$793	$135
Farmers	$2782	$468
Auto-Owners	$1520	$253

San Luis Car Insurance Rates by Violation

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

San Luis auto insurance quotes by violations

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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 San Luis 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 San Luis.

The cheapest car insurance premiums in San Luis are offered by Colorado Farm Bureau at $177 for a six-month policy. However, it can be as expensive as $1889 with companies like AutoOwners.

San Luis car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$177	$30
American National	$187	$31
American National P&C	$212	$36
Farm Bureau	$278	$46
Farmers	$419	$71
Progressive	$848	$143
State Farm	$1025	$173
USAA	$1091	$184
American Family	$1156	$195
Allstate	$2459	$410
Nationwide	$4362	$742
Colorado Farm Bureau Mutual	$808	$138
Auto-Owners	$1889	$321

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 San Luis are offered by American National P&C at $156. However, it can be as expensive as $949 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in San Luis after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$156	$26
Colorado Farm Bureau	$162	$27
Auto-Owners Insurance Co	$258	$43
State Farm	$773	$130
American Family	$818	$138
USAA	$1085	$184
Progressive	$1257	$212
Allstate	$2045	$348
Nationwide	$2666	$445
Farmers	$3479	$592
Auto-Owners	$949	$162

Car Insurance Price Trends in San Luis, Colorado

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

The average cost of full coverage in the San Luis dipped by $190 in March compared to $221 of February. In other words, there has been an decrease by $31 when you compare March and February.

The average cost of liability insurance in the San Luis rose to $46 in March, compared to $41 in February. This represents an increase of $5 when comparing March and February.

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Frequently Asked Questions

How much is car insurance in San Luis?

The car insurance in San Luis is $20 per month, which is lower than the national average.

What is the cheapest car insurance in San Luis?

The cheapest car insurance in San Luis is $54 per month for full coverage.

How much is car insurance in San Luis for teenagers?

Car insurance for teenagers costs $127 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 San Luis?

The average cost of car insurance is $1087 for a six-month policy. It will cost around $156 per month to insure your car in San Luis.

Is car insurance expensive in San Luis?

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

What is the best car insurance in San Luis, CO?

The best car insurance company in San Luis CO is Colorado Farm Bureau, offering $313 for a six-month policy.