Car Insurance in Lakewood, Colorado
Estimated full coverage in Lakewood runs about $2,005 a year ($167/month) — ▲ +10% versus the Colorado average, ranking 6th most expensive of the 13 Colorado cities we cover.
Why car insurance in Lakewood costs more than the Colorado average
Insurers price by territory, and Lakewood's numbers explain most of the gap. With 156,868 residents on 43.5 square miles, the city's density (3,608 people per square mile) is 5.6 times the density where the typical Colorado resident lives (640). The average commute is 25.5 minutes (Colorado: 25.2), and 65% of workers drive alone. Together these put our location factor at 1.10× the state baseline for liability and collision.
| Factor | Lakewood | Colorado ref. | Why it matters |
|---|---|---|---|
| Population density | 3,608 / sq mi | 640 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 25.5 min | 25.2 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 5.2% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 65.2% | — | Share of workers commuting by car. |
| Public transit to work | 2.0% | — | Transit use lowers how much residents drive. |
| Work from home | 23.4% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 6.1% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 95.6 | 94.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Lakewood
Rates can change from one ZIP code to the next. Across 6 Lakewood ZIP codes, our full-coverage estimate ranges from $1,985 in 80228 to $2,105 in 80232. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 80228 | 34,942 | 3,049 | 25.2 min | 3.2% | $1,985 | −1% |
| 80227 | 34,907 | 3,228 | 25.8 min | 3.5% | $2,000 | 0% |
| 80226 | 31,573 | 3,892 | 24.1 min | 7.4% | $1,990 | −1% |
| 80214 | 27,022 | 5,788 | 26.7 min | 11.7% | $2,075 | +3% |
| 80232 | 23,050 | 5,935 | 28.5 min | 3.4% | $2,105 | +5% |
| 80215 | 19,839 | 3,635 | 24.0 min | 5.9% | $1,985 | −1% |
Minimum car insurance in Lakewood
Lakewood drivers follow Colorado's rules: at least 25/50/15 liability coverage. Colorado is at-fault (tort). We estimate state-minimum coverage in Lakewood at $720 a year, and $1,040 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $15,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Colorado does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured/underinsured motorist coverage is included in the policy unless the named insured rejects it in writing; uninsured motorist property damage is optional. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Included together with uninsured motorist coverage unless rejected in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | $5,000 Medical payments coverage of $5,000 is included unless the named insured rejects it. | Medical bills for you and your passengers |
Risk factors that shape Lakewood premiums
Accidents
Colorado recorded 689 traffic deaths, or 1.25 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Colorado's vehicle theft rate is 305 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Jefferson County as very high for hail, relatively high for inland flooding and relatively high for strong wind.
Traffic & commuting
5.2% of Lakewood commuters spend an hour or more getting to work, and there are 1.79 vehicles per household. 23.4% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.8 | Comprehensive (car); roof claims (home) | |
| Tornado | 96.5 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 93.5 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 92.6 | Comprehensive; dwelling | |
| Winter weather | 97.8 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Lakewood by driver profile
A clean-record driver in their 50s pays the least in our Lakewood model (about $1,845 for full coverage); an 18-year-old on their own policy pays about $5,515, and a DUI pushes a 30-something to $3,710.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,975 | $2,865 | $5,515 | $460 |
| Young adult (22) | $1,150 | $1,665 | $3,210 | $268 |
| Adult in their 30s | $720 | $1,040 | $2,005 | $167 |
| Adult in their 50s | $660 | $960 | $1,845 | $154 |
| Senior (72) | $805 | $1,165 | $2,245 | $187 |
| 30s, one at-fault accident | $1,040 | $1,510 | $2,910 | $243 |
| 30s, DUI on record | $1,330 | $1,930 | $3,710 | $309 |
Minimum vs. standard vs. full coverage in Lakewood
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $720 | $60 | $590–$850 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,040 | $87 | $855–$1,230 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,005 | $167 | $1,645–$2,365 |
Estimate your premium in Lakewood
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Cheap car insurance in Lakewood: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Lakewood's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $135 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $140 | You're among the 23.4% of Lakewood workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $530 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $965 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $445 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Lakewood
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 60 offices listed below.
- Check complaint records with the Colorado Division of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Lakewood, our estimates differ by up to $120 a year between neighborhoods.
Car insurance agents near Lakewood, CO
We found 60 insurance offices within about 5 miles of central Lakewood, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Paul Larson - Allstate
965 S Kipling Pkwy, Ste B, Lakewood, CO 80226 -
Donald E Ticknor - Farmers Insurance
10920 W Alameda Ave, Lakewood, CO 80226 -
Kit Swenby - State Farm
12354 W Alameda Parkway, Suite 150, Lakewood, CO 80228 -
Melissa Lynn Stefanich - Farmers Insurance
12211 W Alameda Pkwy, Lakewood, CO 80228 -
State Farm
12810 West Alameda Parkway, Lakewood, CO 80228 -
Mike Bailey - State Farm
Wells Fargo, Bldg 143 Union Blvd Ste 520, Lakewood, CO 80228 -
Donnis Tod Wilson - Farmers Insurance
445 Union Blvd, Lakewood, CO 80228 -
Nick Brennan - State Farm
915 S. Wadsworth Blvd, Lakewood, CO 80226 -
Tyson Liverant - American Family Insurance
7585 W Arkansas Ave, Ste D, Lakewood, CO 80232 -
Chad Thielen: Allstate Insurance
710 Kipling St, Ste 307, Lakewood, CO 80215 -
John N Hubert - Farmers Insurance
1360 S Wadsworth Blvd, Lakewood, CO 80232 -
Kevin Egan - Allstate
355 S Teller St, Ste 200, Lakewood, CO 80226 -
Hurl & Hurl Insurance Agency
12567 W. Cedar Dr., Ste. 100F, Lakewood, CO 80228 -
Chris Hank Agency, Inc
7596 W Jewell Ave, Ste 201, Lakewood, CO 80232 -
Mark Sammon - State Farm
13701 W Jewell Ave, Suite 111, Lakewood, CO 80228 -
David Adlfinger Agency Inc
13701 W Jewell Ave, Ste 225, Lakewood, CO 80228 -
Allstate
CO -
Kristin Bangert-Dalla Agency Inc
2103 S Wadsworth Blvd, Ste 102, Lakewood, CO 80227 -
Stephannie S Dean - Farmers Insurance
3333 S Wadsworth Blvd, Lakewood, CO 80227 -
Rebecca Armstrong - Farmers Insurance
6655 W Jewell Ave, Lakewood, CO 80232 -
Agustin Lopez - Allstate
1880 S Pierce St, Ste 17b, Lakewood, CO 80232 -
Kellie Moore - State Farm
350 Indiana St., #180, Golden, CO 80401 -
Michael Martinez - GEICO
9300 West Colfax, Lakewood, CO 80215 -
David Bidwell - Allstate
7550 W Yale Ave, Ste A230, Lakewood, CO 80227 -
Bruce N Aaron - Farmers Insurance
2750 S Wadsworth Blvd, Lakewood, CO 80227 -
Mai Truong - Farmers Insurance
950 Wadsworth Blvd, Lakewood, CO 80214 -
James S. Muniz - Allstate
950 Wadsworth Blvd, Ste 313, Lakewood, CO 80214 -
Anthony Damon Shine - Farmers Insurance
12600 W Colfax Ave, Lakewood, CO 80215 -
Joseph G Nakagawa - Farmers Insurance
9876 W Girton Dr, Lakewood, CO 80227 -
Lizeth Mendez - Farmers Insurance
8582 W Colfax Ave, Lakewood, CO 80215 -
Premier Group Insurance
CO -
Allstate
CO -
Bordinhao Agency LLC
8527 W Colfax Ave, Ste 243, Lakewood, CO 80215 -
Tanner Krenzien - American Family Insurance
8527 W Colfax Ave, Ste 245, Lakewood, CO 80215 -
Kayla Donn Mangravito - Farmers Insurance
1457 Ammons St, Lakewood, CO 80214 -
April Welch - State Farm
1590 Balsam St, Lakewood, CO 80214 -
Josiah Hartley - Farmers Insurance
3190 S Wadsworth Blvd, Lakewood, CO 80227 -
Lai Thi Hoang - American Family Insurance
800 S Sheridan Blvd, Denver, CO 80226 -
Fred Loya Insurance
CO -
Scott William Barger - Farmers Insurance
2201 Kipling St, Lakewood, CO 80215
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Lakewood
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,510 | −25% |
| Subaru Outback | Wagon | $1,525 | −24% |
| Tesla Model 3 | Midsize car | $2,055 | +2% |
| Subaru Forester | Small SUV | $1,490 | −26% |
| Honda Civic | Compact car | $2,245 | +12% |
| Toyota Corolla | Compact car | $2,115 | +5% |
| Jeep Wrangler | Midsize SUV | $1,650 | −18% |
| Mazda CX-5 | Small SUV | $1,680 | −16% |
| MINI Cooper | Subcompact car | $1,515 | −24% |
| Tesla Model Y | Midsize SUV | $1,850 | −8% |
Car insurance in nearby Colorado cities
- Arvada $2,000/yr · 7 mi
- Westminster $2,030/yr · 13 mi
- Aurora $2,020/yr · 13 mi
- Denver $2,030/yr · 13 mi
- Thornton $2,105/yr · 14 mi
- Centennial $2,015/yr · 15 mi
- Boulder $1,880/yr · 24 mi
- Longmont $1,980/yr · 32 mi
- Greeley $1,935/yr · 53 mi
- Fort Collins $1,875/yr · 59 mi
- Colorado Springs $1,915/yr · 61 mi
- Pueblo $1,815/yr · 102 mi
All Colorado cities and state rules · Homeowners insurance in Lakewood
Frequently asked questions
How much is car insurance in Lakewood, CO?
We estimate full coverage in Lakewood at about $2,005 a year ($167 a month) for a driver in their 30s with a clean record, and about $720 for Colorado's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Lakewood more expensive than the Colorado average?
Our Lakewood estimate is 10% higher than the statewide figure. The model reflects a population density of 3,608 people per square mile (the typical Colorado resident lives at about 640) and an average commute of 25.5 minutes versus 25.2 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Lakewood?
Drivers in Lakewood follow Colorado law: at least 25/50/15 liability coverage.
Which ZIP code in Lakewood has the cheapest car insurance?
Among Lakewood's 6 ZIP codes, 80228 has the lowest estimate (about $1,985 a year for full coverage) and 80232 the highest (about $2,105), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Lakewood?
An 18-year-old with their own full-coverage policy would pay around $5,515 a year in Lakewood by our estimate ($1,975 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Lakewood?
Yes. FEMA's National Risk Index rates Jefferson County for hail (very high), inland (river) flooding (relatively high), and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Lakewood?
We list 60 insurance offices in and around Lakewood, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Colorado Division of Insurance: Auto Insurance
- Colorado DMV: SR-22 and Insurance Information
- Colorado DMV: Suspension and Reinstatement FAQs
- Colorado Division of Insurance: Premium Comparison Reports
- Colorado Division of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Lakewood and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places