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Cheap Car Insurance in Lakewood, Colorado

Find cheap car insurance in Lakewood, a scenic western suburb of Denver just east of the foothills of the Rockies. Home to 154,393 residents, Lakewood was originally named Jefferson City when it was incorporated in 1969, but residents quickly voted to change it so it wouldn’t be confused with other Jefferson cities in Colorado and Missouri.

Colfax Avenue is considered the original heart of the town, and the Harley-Davidson dealer is located in what was once a movie theater in the 1950s. The 2,600-acre Bear Creek Lake Park is among the city’s most popular, featuring a large fishing lake and summer water skiing.

Driving Conditions in Lakewood

Ski country is a half-hour to the west and downtown Denver is 20 minutes to the east, though residents say commuting to Denver from any suburb is no picnic. Kipling Street and Wadsworth Boulevard are the two highest volume corridors in town, city officials report, but Union Boulevard is quickly catching up as new construction projects go up in that area of town.

The average commute time for the Denver metro area is just under 26 minutes, on par with the national average. For updated travel information, visit

Unique Laws in Lakewood

In 2012, Colorado changed marijuana laws, allowing those over 21 to possess and consume marijuana. Any type of smoking is banned, however, throughout the state in enclosed work places, bars, restaurants and casinos. Many Colorado drivers do not realize, according to the Colorado Department of Transportation, that they can be cited for driving under the influence of marijuana.

Meanwhile, a much older Colorado law bans riding a horse while under the influence. Other laws that are good to know: You may not “mutilate” a rock within a state park. A law banning sales of alcohol on Sunday was repealed in 2008.

Lakewood Crime Statistics

Crime within Lakewood is higher than the metro average and also higher than state and national averages. Some of the property crime may be wholly preventable: According to the National Insurance Crime Bureau, Colorado has the fifth highest rate of car theft resulting from the owner leaving his/her car keys in an unlocked car.

Auto theft in Lakewood has climbed in recent years. In 2015, the city reported 882 cases, or 583 cases per 100,000 people. This is right on par with the Denver metro average, but far higher than the national average of 220.2 per 100,000 people.

Lakewood Safety Requirements

Texting while driving is against Colorado state law, and drivers under 18 are prohibited from using cell phones at all while behind the wheel. The Colorado Department of Transportation conducts periodic “seat belt waves” throughout the year to enforce its seat belt laws.

Colorado in 2011 passed an enhanced booster seat law mandating that children up to age 8 must ride in either a child restraint system or properly fitting booster seat. The fine for not buckling is $65 and parents caught with an improperly restrained child are fined $82.

Lakewood Impaired Driving Laws

In Colorado, DWAI, or “driving while ability impaired,” is usually a misdemeanor involving motorists who have consumed alcohol or drugs – or both. When a blood or breath test result is between 0.05 and 0.08, then a person is likely to be charged with DWAI.

However, when the result is at or over 0.08, the driver will most likely be charged with DUI, or “driving under the influence.” DWAI convictions do not normally result in license revocations, but DUI convictions do. In 2015, Colorado enacted a law making a fourth DUI conviction automatically eligible for a class 4 felony. No matter what your background, contact us for the best insurance rates in Lakewood.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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