Car Insurance in Lakewood

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Peace of Mind on Front Range Roads

The scenic city of Lakewood is the 18th worst place to drive in the United States, with a rate of bad driving fatalities that is nearly four times the national average. In addition to other drivers, weather hazards such as heavy rain, large hail and an average of 65 inches of snow each year pose risks to drivers in Jefferson County.

Colorado motorists need car insurance that meets state requirements and protects against local and regional risks. U.S. Route 285 to the south of Lakewood is the second most dangerous road in the state for wildlife collisions. Comprehensive car insurance in Lakewood provides the protection you need while driving in the Rocky Mountains.

Collision insurance can offer peace of mind within the city limits. There were 10 traffic fatalities on West Colfax Avenue between Sheridan Boulevard and Teller Street from 2014 to 2021. The right auto insurance policy can help you manage a wide range of risks on roads in the Front Range Urban Corridor.

Compare Quotes for Car Insurance in Lakewood

Shopping for car insurance has never been easier than when you use VIU by HUB. Enter information about yourself, your driving record and your vehicle to compare rates for state-mandated liability coverage, optional collision coverage or comprehensive policies that cover the cost of damage to your vehicle.

Colorado Car Insurance Requirements

The state of Colorado requires all drivers to carry liability insurance. A liability-only policy will cover at least a portion of the expenses associated with injuring other drivers, accidents that result in fatalities and damage to other vehicles or property. Find out more about minimum coverage requirements in the Centennial State:

  • Bodily injury or death to any one person: Every driver in Colorado must carry at least $25,000 in liability coverage for causing the injury or death of another person involved in an accident.
  • Bodily injury or death to all persons: Colorado drivers must have at least $50,000 in liability coverage for accidents that injure more than one person or result in multiple fatalities.
  • Property damage in any one accident: The state of Colorado requires every driver to carry at least $15,000 in coverage for property damage liability.

Minimum coverage satisfies legal requirements but can result in higher out-of-pocket costs. Policies that have higher liability limits or optional collision and comprehensive coverage can provide you with even more peace of mind behind the wheel.

Average Rates for Car Insurance in Lakewood

The average cost of car insurance for drivers in Lakewood depends on the level of coverage and several other factors. Average annual premiums can range from $1,548 up to $2,130 based on your age, credit score and driving record. Obtain quotes for auto insurance that provides the protection you need and any benefits you want.

Collision and Comprehensive Car Insurance in Colorado

The best auto insurance covers the cost of damage to your vehicle. While Lakewood residents have the option to use RTD public transportation, it is easier to drive to urban destinations and outdoor attractions. Here are some of the most popular options for additional car insurance coverage:

  • Collision insurance covers the cost of repairing or replacing a vehicle after an accident
  • Comprehensive insurance covers damage due to animal collisions or severe weather
  • Full auto glass coverage covers windshield or window replacement
  • Coverage is available for restored classic vehicles

Compare policy costs for car insurance in Lakewood with VIU by HUB. We can help you find the level of coverage you need to comply with state law and manage the risks of driving on Colorado roads.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


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