- Average car insurance cost in Lakewood is $2,836 per year, which is 24.3% more than the national average rate of $2,221.
- Crossover vehicles like the Mazda CX-5, Buick Envision, and Kia Soul are the best options for cheap car insurance in Lakewood.
- Auto insurance quotes in Lakewood can vary significantly from as low as $30 per month for the minimum required liability coverage to well over $681 per month for drivers with poor driving records.
How much does car insurance cost in Lakewood, CO?
Average car insurance cost in Lakewood is $2,836 per year, which is 24.3% more than the U.S. overall average rate of $2,221. Average car insurance cost per month in Lakewood is $236 for a policy that provides full coverage.
The average cost to insure a vehicle in Colorado is $2,602 per year, so Lakewood, Colorado, drivers pay an average of $234 more per year than the overall Colorado state-wide average rate. When rates are compared to other larger cities in Colorado, the average cost to insure a vehicle in Lakewood is about $54 per year more than in Denver, $16 per year cheaper than in Aurora, and $454 per year more expensive than in Fort Collins.
The age of the driver is the single-largest factor that determines the price of auto insurance. The list below details how age impacts cost by breaking down average car insurance rates in Lakewood depending on driver age.
Lakewood, Colorado, car insurance cost for drivers age 16 to 60
- 16 year old – $10,106 per year or $842 per month
- 17 year old – $9,794 per year or $816 per month
- 18 year old – $8,774 per year or $731 per month
- 19 year old – $7,991 per year or $666 per month
- 20 year old – $5,708 per year or $476 per month
- 30 year old – $3,028 per year or $252 per month
- 40 year old – $2,836 per year or $236 per month
- 50 year old – $2,514 per year or $210 per month
- 60 year old – $2,354 per year or $196 per month
The next chart shows average Lakewood auto insurance rates for 2024 model year vehicles not only by driver age, but also by physical damage coverage deductibles.

In the chart above, the cost of car insurance in Lakewood ranges from $1,990 per year for a 60-year-old driver with a high deductible policy to $6,636 per year for a 20-year-old driver with low physical damage deductibles. From a monthly point of view, the average cost in the prior chart ranges from $166 to $553 per month.
The vehicles that are popular in Lakewood tend to be compact and midsize cars like the Nissan Sentra, Hyundai Elantra, and Kia K5 and small or midsize SUVs like the Ford Escape and Chevy Traverse.
Additional popular vehicles from other vehicle segments include luxury models like the Tesla Model S, Cadillac XT5, and Infiniti QX60 and sports cars like the Ford Mustang, Porsche 911, and Nissan GT-R.
We will explore more auto insurance rates in a little bit, but before we get into that data, let’s take a condensed look at the comparisons and concepts that were presented so far.
- Lakewood car insurance rates are more expensive than the Colorado state average – $2,836 (Lakewood average) compared to $2,602 (Colorado average)
- Car insurance gets more affordable the older you are – Average auto insurance rates for a 60-year-old driver in Lakewood are $3,354 per year cheaper than for a 20-year-old driver.
- Average cost per month ranges from $196 to $842 – That’s the average car insurance cost range for drivers age 16 to 60 in Lakewood, Colorado.
- Insurance for a teenager is expensive in Lakewood – Average cost can range from $6,755 to $10,106 per year for insurance on a teen driver in Lakewood.
- Lakewood, Colorado, average car insurance cost is more than the U.S. average – $2,836 (Lakewood average) compared to $2,221 (U.S. average)
- Car insurance rates drop significantly from age 20 to 30 – The average 30-year-old Lakewood, Colorado, driver will pay $2,680 less per year than a 20-year-old driver, $3,028 versus $5,708.
In Lakewood, which vehicles are cheapest to insure?
The vehicles with the lowest cost average insurance rates in Lakewood tend to be compact SUVs and crossovers like the Kia Soul, Chevrolet Trailblazer, Nissan Kicks, and Toyota Corolla Cross.
Average auto insurance prices for those crossover SUVs cost $192 or less per month for full coverage car insurance.
Additional models that are ranked high in our insurance cost comparison are the Buick Envista, Volkswagen Tiguan, Honda CR-V, and Volkswagen Taos. Insurance is somewhat higher for those models than the small SUVs at the top of the list, but they still have an average cost of $2,472 or less per year.
The table below shows the vehicles with the cheapest overall insurance rates in Lakewood, sorted by annual and monthly insurance cost.
Rank | Make/Model | Annual Premium | Cost Per Month |
---|---|---|---|
1 | Subaru Crosstrek | $2,096 | $175 |
2 | Chevrolet Trailblazer | $2,130 | $178 |
3 | Kia Soul | $2,212 | $184 |
4 | Nissan Kicks | $2,232 | $186 |
5 | Honda Passport | $2,258 | $188 |
6 | Buick Envision | $2,274 | $190 |
7 | Toyota Corolla Cross | $2,286 | $191 |
8 | Hyundai Venue | $2,306 | $192 |
9 | Mazda CX-5 | $2,316 | $193 |
10 | Ford Bronco Sport | $2,322 | $194 |
11 | Volkswagen Tiguan | $2,348 | $196 |
12 | Acura RDX | $2,374 | $198 |
13 | Nissan Murano | $2,382 | $199 |
14 | Buick Encore | $2,408 | $201 |
15 | Honda CR-V | $2,418 | $202 |
16 | Subaru Outback | $2,418 | $202 |
17 | Buick Envista | $2,428 | $202 |
18 | Volkswagen Taos | $2,434 | $203 |
19 | Kia Niro | $2,442 | $204 |
20 | Toyota GR Corolla | $2,466 | $206 |
21 | Subaru Ascent | $2,468 | $206 |
22 | Honda HR-V | $2,472 | $206 |
23 | Nissan Leaf | $2,486 | $207 |
24 | Chevrolet Colorado | $2,498 | $208 |
25 | Honda Civic | $2,512 | $209 |
26 | Lexus NX 250 | $2,512 | $209 |
27 | Volkswagen Atlas | $2,518 | $210 |
28 | Acura Integra | $2,520 | $210 |
29 | Subaru Forester | $2,526 | $211 |
30 | Volkswagen Atlas Cross Sport | $2,530 | $211 |
31 | Kia Seltos | $2,536 | $211 |
32 | GMC Terrain | $2,538 | $212 |
33 | Nissan Rogue | $2,550 | $213 |
34 | Hyundai Kona | $2,556 | $213 |
35 | Cadillac XT4 | $2,560 | $213 |
36 | Mazda CX-30 | $2,560 | $213 |
37 | Volkswagen ID4 | $2,570 | $214 |
38 | Ford Explorer | $2,572 | $214 |
39 | Toyota Highlander | $2,580 | $215 |
40 | Ford Escape | $2,590 | $216 |
41 | Honda Odyssey | $2,590 | $216 |
42 | Toyota Venza | $2,590 | $216 |
43 | Nissan Sentra | $2,602 | $217 |
44 | Subaru Impreza | $2,610 | $218 |
45 | Chevrolet Equinox | $2,614 | $218 |
46 | Toyota RAV4 | $2,616 | $218 |
47 | Mazda MX-5 Miata | $2,624 | $219 |
48 | Mazda MX-30 | $2,632 | $219 |
49 | Hyundai Tucson | $2,636 | $220 |
50 | Chevrolet Traverse | $2,650 | $221 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lakewood, CO Zip Codes. Updated June 27, 2025
A table showing 50 vehicle models with cheap Lakewood car insurance is great if you’re just looking for low rates. A more efficient way to analyze rates in an organized fashion is by organizing them by automotive segment. The next sections break out the top 20 models with the lowest cost auto insurance rates in Lakewood for the most popular automotive segments.
Cars with affordable insurance rates in Lakewood, CO
The three top-ranked 2-door and 4-door sedans and hatchbacks with the cheapest average insurance rates in Lakewood are the Toyota GR Corolla at $2,466 per year, the Nissan Leaf at $2,486 per year, and the Honda Civic at $2,512 per year.
Not the cheapest, but still in the top 10, are cars like the Kia K5, Honda Accord, Chevrolet Malibu, and Toyota Prius, with average cost of $2,764 per year or less.
From a cost per month standpoint, auto insurance in this segment for a safe driver starts at around $206 per month, depending on the company and your location.
If prices are ranked by vehicle size, the most budget-friendly non-luxury compact car to insure in Lakewood is the Toyota GR Corolla at $2,466 per year. For midsize 2024 models, the Kia K5 has the best rates at $2,736 per year. And for full-size cars, the Chrysler 300 has the cheapest rates at $2,700 per year.
The rate comparison table below ranks the cars with the cheapest average car insurance rates in Lakewood, starting with the Toyota GR Corolla at $2,466 per year and ending with the Mazda 3 at $2,936 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Toyota GR Corolla | Compact | $2,466 | $206 |
Nissan Leaf | Compact | $2,486 | $207 |
Honda Civic | Compact | $2,512 | $209 |
Nissan Sentra | Compact | $2,602 | $217 |
Subaru Impreza | Compact | $2,610 | $218 |
Toyota Prius | Compact | $2,650 | $221 |
Kia K5 | Midsize | $2,736 | $228 |
Honda Accord | Midsize | $2,740 | $228 |
Chevrolet Malibu | Midsize | $2,752 | $229 |
Toyota Corolla | Compact | $2,764 | $230 |
Kia Forte | Compact | $2,770 | $231 |
Volkswagen Arteon | Midsize | $2,788 | $232 |
Nissan Versa | Compact | $2,796 | $233 |
Subaru Legacy | Midsize | $2,802 | $234 |
Hyundai Ioniq 6 | Midsize | $2,822 | $235 |
Mitsubishi Mirage G4 | Compact | $2,864 | $239 |
Toyota Crown | Midsize | $2,870 | $239 |
Volkswagen Jetta | Compact | $2,872 | $239 |
Hyundai Sonata | Midsize | $2,876 | $240 |
Mazda 3 | Compact | $2,936 | $245 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lakewood, CO Zip Codes. Updated June 26, 2025
See our comprehensive guides for compact car insurance, midsize car insurance, and full-size car insurance to view data for vehicles not featured in the table.
Don’t see rates for your vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Lakewood car insurance quotes from top-rated auto insurance companies in Colorado.
Cheap SUVs to insure in Lakewood, Colorado
Ranking in the top five for the lowest-cost Lakewood car insurance rates in the non-luxury SUV segment are the Honda Passport, Nissan Kicks, Chevrolet Trailblazer, Kia Soul, and Subaru Crosstrek. Car insurance quotes for these models average $2,258 or less per year.
Additional models that rank well in our comparison include the Ford Bronco Sport, Hyundai Venue, Buick Envision, and Toyota Corolla Cross, with an average cost to insure of $2,322 per year or less.
Additional vehicles on the list include the Subaru Ascent, Honda CR-V, Volkswagen Tiguan, and Kia Niro, which average between $2,322 and $2,468 per year for full-coverage insurance in Lakewood.
On a monthly basis, full-coverage car insurance in Lakewood on this segment can cost as low as $175 per month, depending on your location and insurance company.
When SUV size is factored in, the most affordable compact SUV to insure in Lakewood is the Subaru Crosstrek at $2,096 per year, or $175 per month. For midsize SUVs, the Honda Passport has the best rates at $2,258 per year, or $188 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $2,662 per year, or $222 per month.
The rate comparison table below ranks the twenty SUVs with the cheapest average auto insurance rates in Lakewood, starting with the Subaru Crosstrek at $175 per month and ending with the Subaru Ascent at $206 per month.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Subaru Crosstrek | Compact | $2,096 | $175 |
Chevrolet Trailblazer | Compact | $2,130 | $178 |
Kia Soul | Compact | $2,212 | $184 |
Nissan Kicks | Compact | $2,232 | $186 |
Honda Passport | Midsize | $2,258 | $188 |
Buick Envision | Compact | $2,274 | $190 |
Toyota Corolla Cross | Compact | $2,286 | $191 |
Hyundai Venue | Compact | $2,306 | $192 |
Mazda CX-5 | Compact | $2,316 | $193 |
Ford Bronco Sport | Compact | $2,322 | $194 |
Volkswagen Tiguan | Compact | $2,348 | $196 |
Nissan Murano | Midsize | $2,382 | $199 |
Buick Encore | Compact | $2,408 | $201 |
Honda CR-V | Compact | $2,418 | $202 |
Subaru Outback | Midsize | $2,418 | $202 |
Buick Envista | Midsize | $2,428 | $202 |
Volkswagen Taos | Compact | $2,434 | $203 |
Kia Niro | Compact | $2,442 | $204 |
Subaru Ascent | Midsize | $2,468 | $206 |
Honda HR-V | Compact | $2,472 | $206 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lakewood, CO Zip Codes. Updated June 27, 2025
See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.
Don’t see rates for your SUV? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Lakewood car insurance quotes from top-rated companies in Colorado.
Luxury cars with cheap auto insurance
The top-ranked model in Lakewood for the lowest-cost insurance in the luxury car segment is the Acura Integra, with a cost of $2,520 per year. Second place is the BMW 330i at $2,886 per year, and the third most affordable is the Mercedes-Benz CLA250, at an average of $2,918 per year.
Additional luxury cars that have cheaper rates include the Lexus RC 300, Cadillac CT4, Mercedes-Benz AMG CLA35, and Genesis G70, with an average car insurance cost of $2,980 per year or less.
On a monthly basis, full-coverage insurance in this segment for a middle-age safe driver starts at an average of $210 per month, depending on the company.
The cheapest small luxury car to insure in Lakewood is the Acura Integra at $2,520 per year. For midsize 2024 models, the Mercedes-Benz CLA250 has the best rates at $2,918 per year. And for large luxury cars, the Audi A5 is most affordable to insure at $3,370 per year.
The rate comparison table below ranks the luxury cars with the cheapest auto insurance rates in Lakewood, starting with the Acura Integra at $2,520 per year and ending with the Audi S3 at $3,180 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura Integra | Compact | $2,520 | $210 |
BMW 330i | Compact | $2,886 | $241 |
Mercedes-Benz CLA250 | Midsize | $2,918 | $243 |
Lexus IS 300 | Midsize | $2,924 | $244 |
Acura TLX | Compact | $2,934 | $245 |
Cadillac CT4 | Compact | $2,960 | $247 |
Lexus ES 350 | Midsize | $2,960 | $247 |
Genesis G70 | Compact | $2,968 | $247 |
Mercedes-Benz AMG CLA35 | Midsize | $2,974 | $248 |
Lexus RC 300 | Midsize | $2,980 | $248 |
Lexus IS 350 | Compact | $2,994 | $250 |
Jaguar XF | Midsize | $3,000 | $250 |
Cadillac CT5 | Midsize | $3,058 | $255 |
Lexus ES 250 | Midsize | $3,068 | $256 |
Lexus RC 350 | Compact | $3,076 | $256 |
BMW 330e | Compact | $3,082 | $257 |
BMW 228i | Compact | $3,086 | $257 |
BMW 230i | Compact | $3,112 | $259 |
Lexus ES 300h | Midsize | $3,116 | $260 |
Audi S3 | Compact | $3,180 | $265 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lakewood, CO Zip Codes. Updated June 26, 2025
See our comprehensive guide for luxury car insurance to view data for vehicles not featured in the table.
Don’t see rates for your luxury car? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Lakewood car insurance quotes from top companies in Colorado.
Luxury SUVs with affordable insurance rates
The top-ranked model in Lakewood for cheapest average insurance rates in the luxury SUV segment is the Acura RDX, at an average of $2,374 per year. Second place is the Lexus NX 250 at $2,512 per year, and the third cheapest is the Cadillac XT4, at an average of $2,560 per year.
Rounding out the top 10 are SUVs like the Lincoln Corsair, Lexus UX 250h, Lexus NX 450h, and Lexus NX 350h, with average insurance cost of $2,736 per year or less.
On a monthly basis, car insurance in this segment will start around $198 per month, depending on the company and where you live.
If rates are ranked based on vehicle size, the cheapest compact luxury SUV model to insure in Lakewood is the Acura RDX at $2,374 per year, or $198 per month. For midsize 2024 models, the Jaguar E-Pace is cheapest to insure at $2,654 per year, or $221 per month. And for full-size luxury SUV models, the Infiniti QX80 has the most affordable rates at $3,180 per year, or $265 per month.
The next table ranks the luxury SUVs with the cheapest average insurance rates in Lakewood, starting with the Acura RDX at $2,374 per year and ending with the Lexus RX 350 at $2,848 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura RDX | Compact | $2,374 | $198 |
Lexus NX 250 | Compact | $2,512 | $209 |
Cadillac XT4 | Compact | $2,560 | $213 |
Jaguar E-Pace | Midsize | $2,654 | $221 |
Lexus NX 350h | Compact | $2,674 | $223 |
Cadillac XT5 | Midsize | $2,676 | $223 |
Lincoln Corsair | Compact | $2,708 | $226 |
Mercedes-Benz GLB 250 | Compact | $2,714 | $226 |
Lexus UX 250h | Compact | $2,722 | $227 |
Lexus NX 450h | Compact | $2,736 | $228 |
Infiniti QX50 | Midsize | $2,758 | $230 |
Mercedes-Benz GLA250 | Compact | $2,764 | $230 |
Mercedes-Benz GLA35 AMG | Compact | $2,774 | $231 |
Cadillac XT6 | Midsize | $2,778 | $232 |
Infiniti QX60 | Midsize | $2,792 | $233 |
Mercedes-Benz AMG GLB35 | Midsize | $2,794 | $233 |
Land Rover Evoque | Compact | $2,830 | $236 |
Acura MDX | Midsize | $2,836 | $236 |
Lexus NX 350 | Compact | $2,844 | $237 |
Lexus RX 350 | Midsize | $2,848 | $237 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lakewood, CO Zip Codes. Updated June 27, 2025
For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.
Don’t see your luxury SUV in the table above? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Colorado.
Cheapest pickups to insure in Lakewood
Ranking #1 in Lakewood for cheapest average insurance rates in the pickup segment is the Chevrolet Colorado, with an average cost of $2,498 per year. Second place is the Nissan Titan costing $2,652 per year, and the third cheapest is the Nissan Frontier, at an average of $2,682 per year.
Not the cheapest, but still in the top 10, are pickups like the Hyundai Santa Cruz, Honda Ridgeline, GMC Sierra 2500 HD, and GMC Canyon, with average rates of $2,920 per year or less.
Car insurance in Lakewood for this segment will start around $208 per month, depending on the company and your location.
The rate comparison table below ranks the twenty pickups with the lowest-cost average insurance rates in Lakewood, starting with the Chevrolet Colorado at $2,498 per year ($208 per month) and ending with the Ram Truck at $3,280 per year ($273 per month).
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Chevrolet Colorado | Midsize | $2,498 | $208 |
Nissan Titan | Full-size | $2,652 | $221 |
Nissan Frontier | Midsize | $2,682 | $224 |
Ford Ranger | Midsize | $2,712 | $226 |
Ford Maverick | Midsize | $2,752 | $229 |
Honda Ridgeline | Midsize | $2,818 | $235 |
Hyundai Santa Cruz | Midsize | $2,864 | $239 |
Toyota Tacoma | Midsize | $2,874 | $240 |
GMC Sierra 2500 HD | Heavy Duty | $2,888 | $241 |
GMC Canyon | Midsize | $2,920 | $243 |
Jeep Gladiator | Midsize | $2,990 | $249 |
GMC Sierra 3500 | Heavy Duty | $3,004 | $250 |
Chevrolet Silverado HD 3500 | Heavy Duty | $3,032 | $253 |
Chevrolet Silverado HD 2500 | Heavy Duty | $3,116 | $260 |
GMC Sierra | Full-size | $3,134 | $261 |
Chevrolet Silverado | Full-size | $3,136 | $261 |
Nissan Titan XD | Heavy Duty | $3,140 | $262 |
Ford F150 | Full-size | $3,176 | $265 |
GMC Hummer EV Pickup | Full-size | $3,254 | $271 |
Ram Truck | Full-size | $3,280 | $273 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lakewood, CO Zip Codes. Updated June 27, 2025
See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.
Don’t see insurance rates for your pickup? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Lakewood car insurance quotes from top auto insurance companies in Colorado.
Most affordable sports car insurance rates
The cheapest sports cars to insure in Lakewood are the Mazda MX-5 Miata at $2,624 per year, the Toyota GR86 at $2,988 per year, and the Ford Mustang at $3,118 per year.
Not the cheapest to insure, but still ranked well, are cars like the Toyota GR Supra, Nissan Z, Lexus RC F, and Subaru BRZ, with average rates of $3,392 per year or less.
Ranked between 10th and 20th place, models like the Chevrolet Corvette, Mercedes-Benz AMG GT53, Lexus LC 500, BMW M4, Porsche 718, and Porsche 911 cost between $3,392 and $4,808 per year to insure.
Car insurance rates in this segment for a good driver will start around $219 per month, depending on where you live.
The table below ranks the twenty sports cars with the most affordable average insurance rates in Lakewood.
Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
---|---|---|---|
Mazda MX-5 Miata | Sports Car | $2,624 | $219 |
Toyota GR86 | Sports Car | $2,988 | $249 |
Ford Mustang | Sports Car | $3,118 | $260 |
BMW Z4 | Sports Car | $3,136 | $261 |
Subaru WRX | Sports Car | $3,182 | $265 |
Toyota GR Supra | Sports Car | $3,190 | $266 |
BMW M2 | Sports Car | $3,280 | $273 |
Nissan Z | Sports Car | $3,288 | $274 |
Lexus RC F | Sports Car | $3,350 | $279 |
Subaru BRZ | Sports Car | $3,392 | $283 |
BMW M3 | Sports Car | $3,586 | $299 |
Porsche 718 | Sports Car | $3,654 | $305 |
Chevrolet Camaro | Sports Car | $3,688 | $307 |
Chevrolet Corvette | Sports Car | $3,930 | $328 |
Porsche 911 | Sports Car | $4,066 | $339 |
BMW M4 | Sports Car | $4,236 | $353 |
Lexus LC 500 | Sports Car | $4,258 | $355 |
Jaguar F-Type | Sports Car | $4,476 | $373 |
Mercedes-Benz AMG GT53 | Sports Car | $4,696 | $391 |
Porsche Taycan | Sports Car | $4,808 | $401 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Lakewood, CO Zip Codes. Updated June 26, 2025
Looking for rates for a different vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Colorado.
Price variation for driver risk
To help clarify the amount car insurance prices can fluctuate for different drivers (and also emphasize the importance of accurate rate quotes), the charts below visualize comprehensive car insurance rates for five popular vehicles in Lakewood: the Ram Truck, Nissan Sentra, Kia Sorento, Honda Accord, and Chevrolet Camaro.
The example for each vehicle uses a variety of different driver profiles to illustrate the possible price variation with only minor changes in the driver profile.
Ram Truck insurance rates
In Lakewood, Ram Truck insurance costs an average of $3,280 per year (about $273 per month) and ranges from $2,720 to $7,558 per year.

The Ram Truck is a full-size truck, and additional similar models from the same segment include the Toyota Tundra, Chevrolet Silverado, GMC Sierra, and Ford F150.
Nissan Sentra insurance rates
Nissan Sentra insurance in Lakewood averages $2,602 per year, or about $217 per month, and ranges from $2,156 to $5,908.

The Nissan Sentra is part of the compact car segment, and other popular models in the same segment include the Toyota Corolla, Volkswagen Jetta, and Chevrolet Cruze.
Kia Sorento insurance rates
In Lakewood, Kia Sorento insurance averages $2,690 per year, or about $224 per month, and varies from $2,238 to $6,184.

The Kia Sorento is classified as a midsize SUV, and other popular models in the same segment include the Honda Pilot, Toyota Highlander, and Kia Telluride.
Honda Accord insurance rates
Insurance for a Honda Accord in Lakewood averages $2,740 per year (about $228 per month) and ranges from $2,278 to $6,300 annually for the sample risk profiles in the chart.

The Honda Accord belongs to the midsize car segment, and other models popular in Lakewood include the Kia K5, Nissan Altima, and Toyota Camry.
Chevrolet Camaro insurance rates
Chevrolet Camaro insurance in Lakewood costs an average of $3,688 per year, or around $307 per month, and has a range of $3,060 to $8,468.

The Chevrolet Camaro is part of the sports car segment, and additional models from the same segment that are popular in Lakewood, CO, include the Nissan 370Z, Toyota Supra, and Subaru BRZ.
How to find cheaper car insurance
Lakewood drivers should always be thinking of ways to pay less for auto insurance, so read through the tips in the list below and maybe you’ll find a way to save some money on your next policy.
- Remain claim free. Most auto insurance companies offer discounts if you have not filed any claims. Insurance should only be used to protect you from significant financial loss, not for minor claims that can easily be paid out-of-pocket.
- Shop your coverage around. Setting aside 5-10 minutes to get some free car insurance quotes is the best way to save money. Companies change rates often and switching companies is very easy to do.
- Avoiding accidents makes for cheaper auto insurance in Lakewood. Having multiple accidents could cost you more, potentially by an additional $4,052 per year for a 20-year-old driver and as much as $858 per year for a 50-year-old driver. So drive safe and save money!
- Choose a vehicle with lower insurance rates. The vehicle you drive is a big factor in the price you pay for car insurance. For example, a Mazda CX-30 costs $832 less per year to insure in Lakewood than a Subaru BRZ. Lower performance vehicles cost less to insure.
- Compare rates before buying a car. Different vehicles, and even different trims of the same vehicle, can have significantly different car insurance rates, and car insurance companies can price policies with widely varying rates. Get comparison quotes before you buy in order to avoid any surprises when insuring your new car.
- More discounts means cheap auto insurance rates. Discounts may be available if the policyholders are senior citizens, are military or federal employees, are loyal customers, take a defensive driving course, or many other discounts which could save the average Lakewood driver as much as $480 per year.
- Your profession could save you a few bucks. Most car insurance companies offer discounts for having a job in professions like members of the military, emergency medical technicians, high school and elementary teachers, accountants, college professors, scientists, and others. If you’re employed in a qualifying profession, you may save between $85 and $276 on your yearly auto insurance bill.