Car Insurance Cost in Lakewood, CO (2022 Cheapest + Rankings)

How much does Lakewood, Colorado car insurance cost? We rank the cheapest autos to insure to help you find the cars, trucks, and SUVs with cheap car insurance quotes.

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How much does car insurance cost in Lakewood, CO?

Average car insurance cost in Lakewood is $1,936 per year, which is 23.5% more than the U.S. overall average rate of $1,567. Average car insurance cost per month in Lakewood is $161 for a policy that provides full coverage.

The average cost to insure a vehicle in Colorado is $1,626 per year, so Lakewood, Colorado, drivers pay an average of $310 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 $56 per year more than in Denver, $16 per year cheaper than in Aurora, and $446 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 – $6,936 per year or $578 per month
  • 17 year old – $6,476 per year or $540 per month
  • 18 year old – $6,050 per year or $504 per month
  • 19 year old – $5,468 per year or $456 per month
  • 20 year old – $3,844 per year or $320 per month
  • 30 year old – $2,038 per year or $170 per month
  • 40 year old – $1,936 per year or $161 per month
  • 50 year old – $1,762 per year or $147 per month
  • 60 year old – $1,732 per year or $144 per month

The next chart shows average Lakewood auto insurance rates for 2022 model year vehicles not only by driver age, but also by physical damage coverage deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average Lakewood car insurance rates for 2022 model year vehicles with safe driver and claim-free discounts applied. Full-coverage rates are averaged for all Lakewood zip codes.Data last updated on June 23, 2022
Average Car Insurance Cost in Lakewood, CO
Average Car Insurance Cost in Lakewood, CO
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,262$272
$500$3,844$320
$250$4,454$371
30$1,000$1,712$143
$500$2,038$170
$250$2,376$198
40$1,000$1,636$136
$500$1,936$161
$250$2,246$187
50$1,000$1,492$124
$500$1,762$147
$250$2,042$170
60$1,000$1,468$122
$500$1,732$144
$250$2,006$167

In the chart above, the cost of car insurance in Lakewood ranges from $1,468 per year for a 60-year-old driver with a high deductible policy to $4,454 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 $122 to $371 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 – $1,936 (Lakewood average) compared to $1,626 (Colorado average)
  • Car insurance gets more affordable the older you are – Average auto insurance rates for a 60-year-old driver in Lakewood are $1,870 per year cheaper than for a 20-year-old driver.
  • Average cost per month ranges from $128 to $512 – 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 $4,862 to $6,936 per year for insurance on a teen driver in Lakewood.
  • Lakewood, Colorado, average car insurance cost is more than the U.S. average – $1,936 (Lakewood average) compared to $1,567 (U.S. average)
  • Car insurance rates drop significantly from age 20 to 30 – The average 30-year-old Lakewood, Colorado, driver will pay $1,596 less per year than a 20-year-old driver, $1,804 versus $3,400.

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 Chevrolet Trailblazer, Nissan Kicks, Subaru Crosstrek, and Buick Encore.

Average auto insurance prices for those crossover SUVs cost $135 or less per month for full coverage car insurance.

Additional models that are ranked high in our insurance cost comparison are the Hyundai Kona, Buick Envision, Toyota Corolla Cross, and Subaru Forester. 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 $1,680 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.

Top 50 Cheapest Auto Insurance Rates in Lakewood, CO
Rank Make/Model Annual Cost Monthly Cost
1Mazda CX-5$1,474$123
2Nissan Kicks$1,510$126
3Chevrolet Trailblazer$1,520$127
4Honda Passport$1,556$130
5Subaru Crosstrek$1,556$130
6Chevrolet Colorado$1,594$133
7Toyota C-HR$1,594$133
8Buick Encore$1,602$134
9Nissan Rogue Sport$1,616$135
10Hyundai Venue$1,644$137
11Buick Envision$1,648$137
12Kia Seltos$1,652$138
13Ford Maverick$1,656$138
14Acura RDX$1,658$138
15Subaru Ascent$1,664$139
16Toyota Corolla Cross$1,664$139
17Hyundai Kona$1,674$140
18Mazda MX-5 Miata$1,678$140
19Subaru Forester$1,678$140
20Subaru Impreza$1,680$140
21Volkswagen Tiguan$1,680$140
22Chevrolet Spark$1,686$141
23Honda CR-V$1,696$141
24Cadillac XT4$1,700$142
25Mazda CX-30$1,714$143
26Ford Ranger$1,720$143
27Honda HR-V$1,738$145
28Ford Edge$1,744$145
29Ford Ecosport$1,754$146
30Chevrolet Trax$1,776$148
31Subaru Outback$1,776$148
32Acura ILX$1,782$149
33GMC Terrain$1,784$149
34Mitsubishi Eclipse Cross$1,788$149
35Nissan Murano$1,798$150
36Hyundai Tucson$1,800$150
37Toyota Tacoma$1,800$150
38Chevrolet Bolt$1,802$150
39Honda Odyssey$1,806$151
40Chevrolet Equinox$1,808$151
41Toyota Venza$1,810$151
42Volkswagen Taos$1,814$151
43Fiat 500X$1,820$152
44Ford Explorer$1,820$152
45Kia Soul$1,830$153
46Toyota RAV4$1,830$153
47Kia Sorento$1,834$153
48Nissan Frontier$1,844$154
49Hyundai Palisade$1,856$155
50Hyundai Santa Cruz$1,860$155

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Lakewood, CO.Data last updated on June 23, 2022
    Top 50 Cheapest Auto Insurance Rates in Lakewood, CO

    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 Subaru Impreza at $1,680 per year, the Chevrolet Spark at $1,686 per year, and the Volkswagen Golf at $1,864 per year.

    Not the cheapest, but still in the top 10, are cars like the Nissan Sentra, Kia K5, Toyota Corolla, and Honda Insight, with average cost of $1,904 per year or less.

    From a cost per month standpoint, auto insurance in this segment for a safe driver starts at around $140 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 Subaru Impreza at $1,680 per year. For midsize 2022 models, the Subaru Legacy has the best rates at $1,878 per year. And for full-size cars, the Toyota Avalon has the cheapest rates at $2,032 per year.

    The rate comparison table below ranks the cars with the cheapest average car insurance rates in Lakewood, starting with the Subaru Impreza at $1,680 per year and ending with the Chevrolet Malibu at $2,012 per year.

    Cheapest Car Insurance in Lakewood, CO
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,680$140
    Chevrolet SparkCompact$1,686$141
    Volkswagen GolfCompact$1,864$155
    Subaru LegacyMidsize$1,878$157
    Honda InsightMidsize$1,882$157
    Volkswagen JettaCompact$1,882$157
    Nissan SentraCompact$1,886$157
    Kia K5Midsize$1,902$159
    Toyota CorollaCompact$1,902$159
    Toyota CamryMidsize$1,904$159
    Kia RioCompact$1,910$159
    Volkswagen PassatMidsize$1,914$160
    Honda CivicCompact$1,918$160
    Mazda 3Compact$1,926$161
    Mazda 6Midsize$1,928$161
    Toyota PriusCompact$1,936$161
    Hyundai AccentCompact$1,960$163
    Hyundai VelosterCompact$1,976$165
    Kia ForteCompact$1,980$165
    Chevrolet MalibuMidsize$2,012$168

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Lakewood, CO.Data last updated on June 23, 2022
      Cheapest Car Insurance in Lakewood, CO

      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 Subaru Crosstrek, Honda Passport, Nissan Kicks, Chevrolet Trailblazer, and Mazda CX-5. Car insurance quotes for these models average $1,556 or less per year.

      Additional models that rank well in our comparison include the Buick Envision, Nissan Rogue Sport, Toyota C-HR, and Buick Encore, with an average cost to insure of $1,648 per year or less.

      Additional vehicles on the list include the Ford Edge, Hyundai Kona, Kia Seltos, and Mazda CX-30, which average between $1,648 and $1,744 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 $123 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 Mazda CX-5 at $1,474 per year, or $123 per month. For midsize SUVs, the Honda Passport has the best rates at $1,556 per year, or $130 per month. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest car insurance rates at $1,946 per year, or $162 per month.

      The rate comparison table below ranks the twenty SUVs with the cheapest average auto insurance rates in Lakewood, starting with the Mazda CX-5 at $123 per month and ending with the Ford Edge at $145 per month.

      Cheapest SUV Insurance in Lakewood, CO
      Make/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-5Compact$1,474$123
      Nissan KicksCompact$1,510$126
      Chevrolet TrailblazerCompact$1,520$127
      Honda PassportMidsize$1,556$130
      Subaru CrosstrekCompact$1,556$130
      Toyota C-HRCompact$1,594$133
      Buick EncoreCompact$1,602$134
      Nissan Rogue SportCompact$1,616$135
      Hyundai VenueCompact$1,644$137
      Buick EnvisionCompact$1,648$137
      Kia SeltosCompact$1,652$138
      Subaru AscentMidsize$1,664$139
      Toyota Corolla CrossCompact$1,664$139
      Hyundai KonaCompact$1,674$140
      Subaru ForesterCompact$1,678$140
      Volkswagen TiguanCompact$1,680$140
      Honda CR-VCompact$1,696$141
      Mazda CX-30Compact$1,714$143
      Honda HR-VCompact$1,738$145
      Ford EdgeMidsize$1,744$145

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Lakewood, CO.Data last updated on June 23, 2022
        Cheapest SUV Insurance in Lakewood, CO

        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 ILX, with a cost of $1,782 per year. Second place is the Mercedes-Benz A220 at $1,904 per year, and the third most affordable is the BMW 330i, at an average of $2,048 per year.

        Additional luxury cars that have cheaper rates include the Alfa Romeo Giulia, BMW 330e, Lexus RC 300, and BMW 230i, with an average car insurance cost of $2,150 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 $149 per month, depending on the company.

        The cheapest small luxury car to insure in Lakewood is the Mercedes-Benz A220 at $1,904 per year. For midsize 2022 models, the Acura ILX has the best rates at $1,782 per year. And for large luxury cars, the Audi A5 is most affordable to insure at $2,276 per year.

        The rate comparison table below ranks the luxury cars with the cheapest auto insurance rates in Lakewood, starting with the Acura ILX at $1,782 per year and ending with the Audi S3 at $2,250 per year.

        Cheapest Luxury Car Insurance in Lakewood, CO
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Acura ILXMidsize$1,782$149
        Mercedes-Benz A220Compact$1,904$159
        BMW 330iCompact$2,048$171
        Acura TLXCompact$2,056$171
        Volvo S60Compact$2,078$173
        BMW 330eCompact$2,086$174
        BMW 228iCompact$2,098$175
        BMW 230iCompact$2,112$176
        Lexus RC 300Midsize$2,146$179
        Alfa Romeo GiuliaCompact$2,150$179
        Cadillac CT4Compact$2,150$179
        Lexus RC 350Compact$2,156$180
        Genesis G70Compact$2,184$182
        Mercedes-Benz AMG CLA35Midsize$2,198$183
        BMW i4Midsize$2,210$184
        Cadillac CT5Midsize$2,214$185
        Audi A3Midsize$2,238$187
        Audi A4Compact$2,242$187
        Mercedes-Benz AMG CLA45Midsize$2,248$187
        Audi S3Compact$2,250$188

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Lakewood, CO.Data last updated on June 23, 2022
          Cheapest Luxury Car Insurance in Lakewood, CO

          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 $1,658 per year. Second place is the Cadillac XT4 at $1,700 per year, and the third cheapest is the Volvo XC40, at an average of $1,864 per year.

          Rounding out the top 10 are SUVs like the Lexus NX 350h, Lexus NX 350, Lexus UX 200, and BMW X1, with average insurance cost of $1,978 per year or less.

          On a monthly basis, car insurance in this segment will start around $138 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 $1,658 per year, or $138 per month. For midsize 2022 models, the Cadillac XT5 is cheapest to insure at $1,906 per year, or $159 per month. And for full-size luxury SUV models, the Volvo XC90 has the most affordable rates at $2,096 per year, or $175 per month.

          The next table ranks the luxury SUVs with the cheapest average insurance rates in Lakewood, starting with the Acura RDX at $1,658 per year and ending with the Lincoln Corsair at $2,052 per year.

          Cheapest Luxury SUV Insurance in Lakewood, CO
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura RDXCompact$1,658$138
          Cadillac XT4Compact$1,700$142
          Volvo XC40Compact$1,864$155
          Cadillac XT5Midsize$1,906$159
          Lexus NX 250Compact$1,928$161
          BMW X1Compact$1,930$161
          Lexus NX 350hCompact$1,940$162
          Lexus UX 250hCompact$1,942$162
          Lexus NX 350Compact$1,974$165
          Lexus UX 200Compact$1,978$165
          Jaguar E-PaceMidsize$1,986$166
          Lexus RX 350Midsize$1,992$166
          Acura MDXMidsize$2,004$167
          Lincoln NautilusMidsize$2,022$169
          Lexus NX 450hCompact$2,028$169
          Mercedes-Benz GLB 250Compact$2,034$170
          Lexus RX 450hMidsize$2,042$170
          Land Rover EvoqueCompact$2,048$171
          Infiniti QX50Midsize$2,050$171
          Lincoln CorsairCompact$2,052$171

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Lakewood, CO.Data last updated on June 23, 2022
            Cheapest Luxury SUV Insurance in Lakewood, CO

            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 $1,594 per year. Second place is the Ford Maverick costing $1,656 per year, and the third cheapest is the Ford Ranger, at an average of $1,720 per year.

            Not the cheapest, but still in the top 10, are pickups like the GMC Canyon, Hyundai Santa Cruz, Honda Ridgeline, and Jeep Gladiator, with average rates of $1,902 per year or less.

            Car insurance in Lakewood for this segment will start around $133 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 $1,594 per year ($133 per month) and ending with the GMC Sierra 3500 at $2,278 per year ($190 per month).

            Cheapest Pickup Insurance in Lakewood, CO
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Chevrolet ColoradoMidsize$1,594$133
            Ford MaverickMidsize$1,656$138
            Ford RangerMidsize$1,720$143
            Toyota TacomaMidsize$1,800$150
            Nissan FrontierMidsize$1,844$154
            Hyundai Santa CruzMidsize$1,860$155
            GMC CanyonMidsize$1,864$155
            Ford F150Full-size$1,872$156
            Honda RidgelineMidsize$1,886$157
            Jeep GladiatorMidsize$1,902$159
            GMC SierraFull-size$1,974$165
            Nissan TitanFull-size$2,044$170
            Chevrolet SilveradoFull-size$2,082$174
            Toyota TundraFull-size$2,082$174
            Ford F350 Super DutyHeavy Duty$2,102$175
            Chevrolet Silverado HD 3500Heavy Duty$2,120$177
            Nissan Titan XDHeavy Duty$2,174$181
            Ram TruckFull-size$2,212$184
            GMC Sierra 2500 HDHeavy Duty$2,260$188
            GMC Sierra 3500Heavy Duty$2,278$190

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Lakewood, CO.Data last updated on June 23, 2022
              Cheapest Pickup Insurance in Lakewood, CO

              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 $1,678 per year, the Ford Mustang at $2,042 per year, and the BMW Z4 at $2,086 per year.

              Not the cheapest to insure, but still ranked well, are cars like the Toyota GR Supra, Subaru BRZ, Chevrolet Corvette, and BMW M3, with average rates of $2,506 per year or less.

              Ranked between 10th and 20th place, models like the Dodge Challenger, BMW M4, Porsche Taycan, Jaguar F-Type, Chevrolet Camaro, and Mercedes-Benz AMG GT53 cost between $2,506 and $3,190 per year to insure.

              Car insurance rates in this segment for a good driver will start around $140 per month, depending on where you live.

              The table below ranks the twenty sports cars with the most affordable average insurance rates in Lakewood.

              Cheapest Sports Car Insurance in Lakewood, CO
              Make/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,678$140
              Ford MustangSports Car$2,042$170
              BMW Z4Sports Car$2,086$174
              Subaru WRXSports Car$2,200$183
              Toyota GR86Sports Car$2,256$188
              Toyota GR SupraSports Car$2,306$192
              Audi TTSports Car$2,358$197
              Subaru BRZSports Car$2,430$203
              Chevrolet CorvetteSports Car$2,440$203
              BMW M3Sports Car$2,506$209
              Porsche 718Sports Car$2,616$218
              Chevrolet CamaroSports Car$2,682$224
              Lexus RC FSports Car$2,748$229
              Dodge ChallengerSports Car$2,756$230
              Mercedes-Benz AMG GT53Sports Car$2,798$233
              Jaguar F-TypeSports Car$2,924$244
              Porsche TaycanSports Car$3,004$250
              Porsche 911Sports Car$3,078$257
              BMW M4Sports Car$3,084$257
              Lexus LC 500Sports Car$3,190$266

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Lakewood, CO.Data last updated on June 23, 2022
                Cheapest Sports Car Insurance in Lakewood, CO

                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 $2,212 per year (about $184 per month) and ranges from $1,834 to $5,016 per year.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Ram Truck with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ram Truck car insurance cost in Lakewood includes all Zip Codes and vehicle trim levels.Data last updated on June 23, 2022
                Ram Truck Insurance Cost in Lakewood, Colorado
                Ram Truck Insurance Cost in Lakewood, CO
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$5,016$418
                Safe Driver Age 20$4,392$366
                At-fault Accidents Age 40$3,128$261
                Low Deductibles Age 40$2,844$237
                Safe Driver Age 30$2,322$194
                Safe Driver Age 40$2,212$184
                Safe Driver Age 50$2,014$168
                Safe Driver Age 60$1,978$165
                High Deductibles Age 40$1,886$157
                Discount Rate Age 40$1,834$153

                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 $1,886 per year, or about $157 per month, and ranges from $1,568 to $4,224.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Nissan Sentra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Sentra car insurance cost in Lakewood includes all Zip Codes and vehicle trim levels.Data last updated on June 23, 2022
                Nissan Sentra Insurance Cost in Lakewood, CO
                Nissan Sentra Insurance Cost in Lakewood, CO
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,224$352
                Safe Driver Age 20$3,704$309
                At-fault Accidents Age 40$2,662$222
                Low Deductibles Age 40$2,384$199
                Safe Driver Age 30$1,970$164
                Safe Driver Age 40$1,886$157
                Safe Driver Age 50$1,718$143
                Safe Driver Age 60$1,684$140
                High Deductibles Age 40$1,626$136
                Discount Rate Age 40$1,568$131

                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 $1,834 per year, or about $153 per month, and varies from $1,524 to $4,162.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Lakewood includes all Zip Codes and vehicle trim levels.Data last updated on June 23, 2022
                Kia Sorento Insurance Cost in Lakewood, Colorado
                Kia Sorento Insurance Cost in Lakewood, CO
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,162$347
                Safe Driver Age 20$3,644$304
                At-fault Accidents Age 40$2,584$215
                Low Deductibles Age 40$2,400$200
                Safe Driver Age 30$1,934$161
                Safe Driver Age 40$1,834$153
                Safe Driver Age 50$1,672$139
                Safe Driver Age 60$1,640$137
                High Deductibles Age 40$1,544$129
                Discount Rate Age 40$1,524$127

                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 $2,020 per year (about $168 per month) and ranges from $1,678 to $4,614 annually for the sample risk profiles in the chart.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Lakewood includes all Zip Codes and vehicle trim levels.Data last updated on June 23, 2022
                Honda Accord Insurance Cost in Lakewood, Colorado
                Honda Accord Insurance Cost in Lakewood, CO
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,614$385
                Safe Driver Age 20$4,040$337
                At-fault Accidents Age 40$2,858$238
                Low Deductibles Age 40$2,642$220
                Safe Driver Age 30$2,130$178
                Safe Driver Age 40$2,020$168
                Safe Driver Age 50$1,840$153
                Safe Driver Age 60$1,808$151
                High Deductibles Age 40$1,702$142
                Discount Rate Age 40$1,678$140

                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 $2,682 per year, or around $224 per month, and has a range of $2,224 to $6,070.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 model year Chevrolet Camaro with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Camaro car insurance cost in Lakewood includes all Zip Codes and vehicle trim levels.Data last updated on June 23, 2022
                Chevrolet Camaro Insurance Cost in Lakewood, CO
                Chevrolet Camaro Insurance Cost in Lakewood, CO
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$6,070$506
                Safe Driver Age 20$5,316$443
                At-fault Accidents Age 40$3,788$316
                Low Deductibles Age 40$3,446$287
                Safe Driver Age 30$2,816$235
                Safe Driver Age 40$2,682$224
                Safe Driver Age 50$2,444$204
                Safe Driver Age 60$2,396$200
                High Deductibles Age 40$2,288$191
                Discount Rate Age 40$2,224$185

                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 $2,696 per year for a 20-year-old driver and as much as $620 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 $716 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 $328 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 $58 and $202 on your yearly auto insurance bill.