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Get Cheap Car Insurance in Applewood, Lakewood, CO

We monitor insurance prices, helping the average driver in Applewood save up to 30.1% on car insurance.

 

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The Cheapest Minimum Coverage in Applewood

The chart below shows the cheapest car insurance company in Applewood for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Bristol West, Safeco Insurance, and Geico.

 
Applewood Insurer Monthly Cost
State Farm $66
Bristol West $78
Safeco Insurance $80
Geico $82

Savings for Every Kind of Applewood Driver

The table shows how much the average auto insurance customer in Applewood might save by following our recommendations.

Based on our extensive insurance data, we know the average Applewood driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $416 per year by choosing the right vehicle insurance company. Some Applewood residents are paying out over $1,943 extra every year for auto insurance in Applewood. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Applewood, Lakewood, CO Savings / Yr.
Drivers with good records
$416
Drivers with accidents
$742
Drivers with speeding tickets
$597
Drivers with a DUI conviction
$639
Young drivers
$1,890
Married drivers
$501
Drivers with bad credit
$733

Applewood Car Insurance vs. Lakewood

People living in Applewood pay an average of 2.82% more than the typical driver in the state. The average driver in Applewood can expect to pay about $1,135 per year, or $1,943 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Applewood for most people.

Car Insurance Prices by Applewood Neighborhood

Applewood, Lakewood, CO map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Applewood?

The map shows insurance prices in and around Applewood, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $236 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,052 to a low of $1,816. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of Applewood.

Pick the Best Car Insurance Company for You in Applewood

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Applewood insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Applewood

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $416 over the average Applewood car insurance company.

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We use the average good driver, paying $127 per month, as our baseline for pricing in Applewood. Geico, Travelers, and Auto-Owners Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Applewood drivers with accidents on their records

In Applewood getting into an accident will raise premiums an average 34% for a yearly cost of $2,930. That's $987 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Bristol West are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $742 over the competition.

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The best car insurance company for Applewood drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $597 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Applewood, tickets raise premiums on new quotes about $664. If you have a speeding ticket, we recommend State Farm, Geico, and Bristol West for savings that beat the average insurance cost of $2,608 per year.

The best auto insurance for Applewood drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,061 per year in auto insurance premiums, which was $1,118 more than a driver with no major issues. State Farm, Travelers, and Bristol West penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $639 less each year.

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The least expensive car insurance company for new and young drivers in Applewood

In Applewood, State Farm costs young drivers $1,890 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in Applewood. With an average cost of $6,287 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and American Family Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Applewood

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $124. State Farm, Geico, and Progressive provided the largest discounts to couples living in Applewood.

State Farm gave the largest car insurance discounts to married couples, averaging $501 saved each year compared to an average Applewood couple's premiums.

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The cheapest car insurance in Applewood for drivers with bad credit

People with poor credit saved an average of $733 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,108 every year. Premiums for people with poor credit were about $3,052 in Applewood. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Bristol West.

The best Applewood car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Applewood, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Applewood.

Nationwide was the best company for customer service in Applewood according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Applewood, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Applewood. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Applewood

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 24% of Applewood residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Applewood driver can expect to pay about $128 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Applewood, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, married couples, young drivers, good drivers, drivers with bad credit, and drivers with accidents.
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Auto Insurance Prices in and Around Applewood

What Influences the Cost of Car Insurance in Applewood?

On average, car insurance in Applewood is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Applewood is 29 minutes, which is a little less than average for a driver in the city.
  • Colorado state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Applewood are among the highest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
  • Applewood is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Applewood is $95 per month for minimum coverage and $162 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Applewood driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Applewood with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.