Best Longmont, CO Car Insurance in 2024
Car insurance in Longmont, CO averages $295 a month. Longmont, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Longmont car insurance rates, compare quotes from the top car insurance companies in Longmont, CO.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Longmont for teen drivers is USAA
- Average car insurance rates in Longmont, CO after a DUI are $4,231/year
- Average car insurance rates in Longmont, CO are $3,543/year
If you need to buy Longmont, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Longmont, CO is right here.
You’ll find Longmont car insurance rates, the cheapest Longmont, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Longmont, Colorado car insurance rates to Aurora car insurance rates, Lakewood car insurance rates, and Greeley car insurance rates.
Ready to find affordable Longmont, CO car insurance today? Enter your ZIP code for fast, free Longmont car insurance quotes.
Cheapest Longmont, CO Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Longmont, CO car insurance rates? Every Longmont, Colorado car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,929 | $2,733 | $2,658 | $2,683 | $10,385 | $10,909 | $3,187 | $3,188 |
| American Family | $2,582 | $2,582 | $2,335 | $2,335 | $6,254 | $8,436 | $2,582 | $3,154 |
| Farmers | $2,742 | $2,715 | $2,475 | $2,674 | $10,780 | $10,895 | $3,016 | $3,038 |
| Geico | $1,719 | $1,903 | $1,886 | $2,187 | $5,556 | $5,844 | $1,561 | $1,563 |
| Liberty Mutual | $1,654 | $1,579 | $1,416 | $1,562 | $5,390 | $5,877 | $1,669 | $1,666 |
| Nationwide | $2,245 | $2,277 | $2,018 | $2,122 | $5,702 | $7,251 | $2,587 | $2,784 |
| Progressive | $2,218 | $2,075 | $1,982 | $1,966 | $7,770 | $8,659 | $2,480 | $2,403 |
| State Farm | $1,883 | $1,883 | $1,712 | $1,712 | $5,609 | $7,075 | $2,114 | $2,505 |
| USAA | $1,963 | $1,943 | $1,891 | $1,872 | $5,080 | $5,788 | $2,510 | $2,701 |
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Minimum Car Insurance in Longmont, CO
Every driver must carry the minimum car insurance in Longmont, CO. Take a look at the Colorado car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
Cheapest Longmont, CO Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Longmont, CO. Compare credit history car insurance rates in Longmont from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,160 | $4,752 | $3,589 |
| American Family | $4,893 | $3,508 | $2,947 |
| Farmers | $5,538 | $4,532 | $4,305 |
| Geico | $3,337 | $2,778 | $2,219 |
| Liberty Mutual | $3,696 | $2,289 | $1,820 |
| Nationwide | $4,068 | $3,235 | $2,817 |
| Progressive | $4,195 | $3,590 | $3,297 |
| State Farm | $4,246 | $2,733 | $2,206 |
| USAA | $4,363 | $2,516 | $2,026 |
Cheapest Longmont, CO Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Longmont, CO to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,104 | $4,739 | $5,827 | $4,667 |
| American Family | $2,799 | $3,965 | $5,194 | $3,173 |
| Farmers | $4,045 | $5,213 | $5,138 | $4,772 |
| Geico | $1,931 | $3,051 | $3,633 | $2,496 |
| Liberty Mutual | $2,293 | $2,675 | $2,753 | $2,685 |
| Nationwide | $2,612 | $3,543 | $4,472 | $2,866 |
| Progressive | $3,187 | $4,529 | $3,360 | $3,701 |
| State Farm | $2,802 | $3,321 | $3,062 | $3,062 |
| USAA | $2,159 | $2,649 | $4,639 | $2,427 |
Cheapest Longmont, CO Car Insurance for Teen Drivers
Teen car insurance in Longmont, CO can be expensive. Take a look at rates from the top car insurance companies in Longmont for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,385 | $10,909 |
| American Family | $6,254 | $8,436 |
| Farmers | $10,780 | $10,895 |
| Geico | $5,556 | $5,844 |
| Liberty Mutual | $5,390 | $5,877 |
| Nationwide | $5,702 | $7,251 |
| Progressive | $7,770 | $8,659 |
| State Farm | $5,609 | $7,075 |
| USAA | $5,080 | $5,788 |
Cheapest Longmont, CO Car Insurance for Seniors
Take a look at Longmont, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,658 | $2,683 |
| American Family | $2,335 | $2,335 |
| Farmers | $2,475 | $2,674 |
| Geico | $1,886 | $2,187 |
| Liberty Mutual | $1,416 | $1,562 |
| Nationwide | $2,018 | $2,122 |
| Progressive | $1,982 | $1,966 |
| State Farm | $1,712 | $1,712 |
| USAA | $1,891 | $1,872 |
Cheapest Longmont, CO Car Insurance Rates After a DUI
A DUI in Longmont, CO increases car insurance rates. Compare Longmont, Colorado DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $5,827 |
| American Family | $5,194 |
| Farmers | $5,138 |
| Geico | $3,633 |
| Liberty Mutual | $2,753 |
| Nationwide | $4,472 |
| Progressive | $3,360 |
| State Farm | $3,062 |
| USAA | $4,639 |
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Cheapest Longmont, CO Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Longmont, CO by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $4,834 | $4,834 |
| American Family | $3,700 | $3,865 |
| Farmers | $4,792 | $4,792 |
| Geico | $2,724 | $2,831 |
| Liberty Mutual | $2,602 | $2,602 |
| Nationwide | $3,373 | $3,373 |
| Progressive | $3,694 | $3,694 |
| State Farm | $2,985 | $3,138 |
| USAA | $2,886 | $3,052 |
Cheapest Longmont, CO Car Insurance Rates by ZIP Code
Longmont car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Longmont, CO.
| ZIP Code | Average Annual Rates |
|---|---|
| 80501 | $3,278 |
| 80503 | $3,275 |
| 80504 | $3,276 |
The Best Cheap Car Insurance Companies in Longmont, CO
Take a look at a side-by-side comparison of the top car insurance companies in Longmont, CO to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,834 |
| American Family | $3,783 |
| Farmers | $4,792 |
| Geico | $2,778 |
| Liberty Mutual | $2,602 |
| Nationwide | $3,373 |
| Progressive | $3,694 |
| State Farm | $3,062 |
| USAA | $2,969 |
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Category Winners: Cheapest Car Insurance in Longmont, Colorado
Find the cheapest car insurance companies in Longmont, CO for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Liberty Mutual |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
Cheapest Longmont, CO Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Longmont car insurance rates. Find the cheapest Longmont, CO car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,533 | $4,815 | $5,153 |
| American Family | $3,569 | $3,861 | $3,918 |
| Farmers | $4,183 | $4,722 | $5,470 |
| Geico | $2,421 | $2,711 | $3,201 |
| Liberty Mutual | $2,430 | $2,591 | $2,783 |
| Nationwide | $3,335 | $3,378 | $3,407 |
| Progressive | $3,317 | $3,708 | $4,057 |
| State Farm | $2,826 | $3,064 | $3,295 |
| USAA | $2,815 | $2,969 | $3,122 |
What affects car insurance rates in Longmont, Colorado?
What factors can have an impact on Longmont, CO car insurance? There are several reasons why Longmont car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Longmont, Colorado.
Commute Time in Longmont
The more time you spend in your car the higher the risk of an accident. The average commute length in Longmont, CO is 24.9 minutes according to City-Data.
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Compare Car Insurance Quotes in Longmont, CO
Ready to find affordable Longmont, Colorado car insurance today? Enter your ZIP code for fast, free Longmont, CO car insurance quotes.
Frequently Asked Questions
What factors determine car insurance rates in Longmont, CO?
Several factors influence car insurance rates in Longmont, CO. The key factors include your driving history, age, gender, the type of vehicle you drive, your credit score, the coverage limits you choose, and the deductible amount you select. Additionally, factors specific to your location, such as local crime rates, population density, and accident statistics in Longmont, CO, can also impact insurance rates.
How can I compare car insurance rates in Longmont, CO?
To compare car insurance rates in Longmont, CO, you can follow these steps:
- Gather necessary information: Collect details about your vehicle, driving history, and coverage preferences.
- Research insurance companies: Look for reputable insurance providers that offer coverage in Longmont, CO.
- Request quotes: Contact different insurance companies or use online platforms to obtain quotes based on your information.
- Compare rates and coverage: Review the quotes received, considering both the premium amounts and the coverage options provided.
- Evaluate customer reviews and satisfaction ratings: Check customer feedback and ratings to gauge the quality of service provided by each insurer.
- Choose the best option: Select an insurance policy that offers the coverage you need at a competitive rate.
Are car insurance rates in Longmont, CO higher than average?
Car insurance rates in Longmont, CO can vary depending on several factors, including your individual circumstances and the insurance company you choose. While rates in Longmont may differ from the national or state average, it is essential to compare rates from multiple insurers to get an accurate understanding of the costs specific to your situation.
Can I lower my car insurance rates in Longmont, CO?
Yes, there are several ways you can potentially lower your car insurance rates in Longmont, CO:
- Maintain a clean driving record: Avoid accidents and traffic violations.
- Opt for a higher deductible: Choosing a higher deductible amount can lower your premium, but keep in mind that you’ll pay more out of pocket in the event of a claim.
- Bundle policies: Consider bundling your car insurance with other policies, such as home or renters insurance, as many insurers offer discounts for multiple policies.
- Improve your credit score: A good credit score can help reduce insurance premiums.
- Explore discounts: Inquire about available discounts, such as safe driver discounts, multi-car discounts, or discounts for completing defensive driving courses.
Are there any specific car insurance requirements in Longmont, CO?
Yes, like all states in the U.S., Colorado has specific car insurance requirements. In Longmont, CO, drivers must carry liability insurance coverage with the following minimum limits:
- $25,000 for bodily injury or death per person
- $50,000 for bodily injury or death per accident
- $15,000 for property damage per accident
How often should I compare car insurance rates in Longmont, CO?
It’s a good idea to compare car insurance rates in Longmont, CO at least once a year or whenever you experience a significant change in your circumstances, such as getting a new vehicle, moving to a different address, or experiencing changes in your credit score or driving record. Regularly reviewing your options can help ensure you’re getting the best coverage at the most competitive rates.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Zach Fagiano
Insurance & Finance Analyst
Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.