Cheapest Auto Insurance in Longmont, Colorado (2024)
State Farm offers the cheapest car insurance in Longmont, with minimum-coverage policies as low as $39 per month.
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Updated November 21, 2024
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Table of contents
Longmont isn’t just the home of several amazing distilleries and breweries. It also has some of the most affordable car insurance rates in Colorado. The average monthly cost of car insurance in Longmont is $135. That’s lower than both the state and national averages of $158 and $154.
Longmont’s lower rates could be due to a variety of factors, including the city’s relatively low crime rate, especially when compared to other larger cities. There’s often a direct correlation between local crime and insurance premiums.
However, just because rates are already low in Longmont doesn’t mean you can lower them a little more. Here’s how the choices you make can lead to additional savings that you can spend enjoying everything Longmont has to offer.
Quick Facts
The average full-coverage insurance premium in Longmont is $180 per month, while the average liability insurance premium is $89 per month.
Longmont drivers pay lower insurance premiums than many other popular Colorado cities, including Aurora, Boulder, and Pueblo.
State Farm, USAA, and American Family are the cheapest car insurance companies in Longmont.
3 of the cheapest car insurance companies in Longmont
Below, you’ll find three of the top insurers in Longmont based on premiums, discounts, customer satisfaction, and other benefits for customers. However, the best insurance company for you will depend on your unique situation and needs. That’s why it’s important to compare quotes from three or more insurers to find the best policy for you.
As you start your search, keep these insurers in mind.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $97 | $46 | Customer satisfaction |
| American Family | 9.1 | $134 | $63 | Discounts |
| Sun Coast | N/A | $185 | $76 | Coverage options |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for customer satisfaction: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $39/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $85/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm is one of the top auto insurance companies in the country. It consistently offers affordable rates, including cheap car insurance premiums for Longmont drivers. State Farm also has the top-rated overall customer service in the region, according to J.D. Power.[1] Finally, while State Farm doesn’t have as many savings opportunities as some competitors, it does have the Drive Safe & Save program, which allows you to save when you drive safely.
Pros
Top J.D. Power customer satisfaction rating in the Southwest region
Cheap premiums for Longmont drivers
Usage-based savings program
Cons
No gap insurance
Higher rates for drivers with spotty records
Fewer discounts than top competitors
Best insurer for discounts: American Family
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $54/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
4.5
Best choiceBased on 386 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (207)
Stephanie
November 5, 2024
Verified Review
It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
Devona
November 5, 2024
Verified Review
Line by Line to Save Money
Go through every line item with your agent!
Joseph
November 4, 2024
Verified Review
Looking for Better
Beware of renewal periods, as American Family increases the premium amount at every renewal stage, even without you having any claims or violations.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
American Family is a great option if saving is your top priority. Not only does American Family have some of the best rates for Longmont drivers, but it also has more discounts than nearly any other car insurance company. Among those discounts are its usage-based programs, which allow you to save for either driving safely or driving fewer miles.
Pros
Large number of discounts
Above-average J.D. Power customer satisfaction rating in the Southwest region
Multiple usage-based savings programs
Cons
Lower AM Best financial strength rating than some competitors
Below-average J.D. Power digital experience rating
Not available in all states
Best insurer for coverage options: Sun Coast
| User Reviews | 3.8 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $65/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $156/mo |
3.8
A solid optionBased on 19 verified guest reviews and ratings
How drivers feel about Sun Coast
Drivers appreciate the payment options and knowledgable adjusters but dislike the expensive premiums and unavailable customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Difficult-to-insure drivers
West Coast drivers
Coverage in Mexico
How drivers feel about Sun Coast
Drivers appreciate the payment options and knowledgable adjusters but dislike the expensive premiums and unavailable customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Difficult-to-insure drivers
West Coast drivers
Coverage in Mexico
Reviews (9)
Marylou
September 9, 2024
Verified Purchase
Surprise!
Sun Coast is by far the best insurance I have found. The rates are awesome.
Patricia
August 14, 2024
Verified Review
Great so far
Excellent
Tiffany
August 12, 2024
Verified Purchase
Unpleasant Experience
The experience was terrible. I was quoted a price but wasn't informed that I needed to submit proof of my degree. I wasn't given any time to submit it before my rate was increased. My payment didn't come out of my direct deposit on time due to their mistake, which resulted in an increased rate. I'm on a fixed income, so this was a terrible experience. Now, I have no insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
NRA.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Sun Coast is unique because it offers auto insurance policies from a variety of different insurers. This means that when you request a quote, you’ll be presented with a wider variety of coverage options. Sun Coast offers some of the cheapest policies for Longmont drivers, as well as a network of more than 3,500 local independent agents to provide personalized service.
Pros
Provides quotes and policies from multiple insurers
Offers coverage for travel to Mexico
Network of 3,500 local agents
Cons
Lack of website transparency
Few customer reviews available
Fewer coverage and discount options than competitors
How to get the cheapest car insurance in Longmont
A variety of factors affect the rate you pay for car insurance. While some of them are outside your control, you can do some things to land the cheapest rates when you’re shopping for insurance:
Shop around. It’s tempting to sign up for a policy with the first insurer you get a quote from or from the insurer you’ve always used. However, you may be able to get cheaper rates by shopping around and comparing rates from multiple insurers.
Take advantage of discounts. You can lower your insurance premiums with discounts, including those for paying your premiums up front, being a good driver, having certain vehicle safety features, and more. Always ask your insurer what discounts you may qualify for.
Bundle your home and auto policies. Most insurance companies offer a discount when you bundle your auto insurance with your other insurance products, such as homeowners insurance or renters insurance. You may even be able to save by bundling your auto and life insurance.
Reduce your coverage. The more coverage types you have and the higher your auto insurance coverage limits, the higher your premiums will be. You can save by reducing your coverage — just don’t adopt limits below your needs.
Increase your deductible. There’s an inverse correlation between your premiums and your deductible, which is the amount you’ll pay out of pocket for a claim. You can save on your premiums by increasing your deductible, even slightly.
Find Cheap Car Insurance in Longmont, Colorado
Liability rates start at $39 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Longmont: State Farm
Liability insurance pays for the damage repair and medical bills of other parties when you’re at fault for an accident. However, it doesn’t pay for any damages to your own vehicle. This makes liability-only insurance the most affordable type of policy you can buy since it includes the least amount of coverage.
The average rate for liability-only insurance in Longmont is $89 per month, and you can see how quotes from different insurers stack up in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $39 |
| USAA | $50 |
| American Family | $54 |
| GEICO | $60 |
| Allstate | $61 |
| Nationwide | $65 |
| Root | $65 |
| Sun Coast | $65 |
| Progressive | $69 |
| Auto-Owners | $70 |
| The General | $75 |
| Bristol West | $80 |
| Safeco | $93 |
| Dairyland | $97 |
| Foremost | $98 |
| Travelers | $98 |
| Farmers | $103 |
| Direct Auto | $108 |
| National General | $125 |
| Liberty Mutual | $167 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Longmont: State Farm
Full-coverage insurance expands on liability insurance by adding protections for your vehicle, namely collision and comprehensive coverages.
Full coverage is more expensive, but it can be a good idea for people who would struggle to replace their vehicle if it were totaled. Additionally, if you have a loan or lease on your vehicle, your lender will probably require you to have full coverage.
The average rate for full-coverage car insurance in Longmont is $180, and you can see the quotes from top insurers in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $85 |
| USAA | $109 |
| Root | $116 |
| American Family | $117 |
| GEICO | $129 |
| Allstate | $131 |
| Nationwide | $140 |
| Progressive | $149 |
| Auto-Owners | $150 |
| Sun Coast | $156 |
| Safeco | $169 |
| The General | $200 |
| Bristol West | $203 |
| Travelers | $213 |
| Farmers | $222 |
| Dairyland | $227 |
| Direct Auto | $249 |
| National General | $249 |
| Liberty Mutual | $267 |
| Foremost | $297 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Longmont, Colorado
Drivers using Insurify have found quotes as cheap as $57/mo for liability only and $97/mo for full coverage in Longmont and other Colorado cities.
*Quotes generated for Insurify users in and around Longmont, Colorado within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Longmont, Colorado within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Colorado
Colorado law requires all drivers to carry minimum liability coverage, which includes both bodily injury and property damage coverage. Colorado’s minimum coverage requirements are comparable to most other states.
Colorado offers the option to self-insure for anyone with more than 25 registered vehicles. To qualify, someone must apply for a certificate of self-insurance from the state’s insurance commissioner. However, this won’t apply to most individual drivers.
Here, you can see the mandatory minimum requirements you must meet to drive legally in Colorado:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 per accident |
In addition to Colorado’s required liability insurance, you could purchase plenty of other coverage types to enhance your policy’s protection. Here are a few examples:
Collision coverage
Collision insurance pays for damage to your vehicle caused by an accident.
Comprehensive coverage
Comprehensive insurance pays for damage to your vehicle caused by something other than an accident.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damage to your vehicle when the at-fault driver doesn’t have auto insurance.
Rental reimbursement coverage
Rental reimbursement coverage pays for your rental car when your car is in the shop after an accident or another covered incident.
Roadside assistance coverage
Roadside assistance coverage pays for roadside assistance services that could include jump-starts, tire changes, lock-outs, towing, and more.
Gap coverage
Gap insurance pays the difference between your insurance payout and your loan or lease amount if your vehicle is totaled.
Diminished value in Colorado
After an accident, your vehicle is worth less than it was before, even once it’s repaired, because it now has an accident in its history. This is known as diminished value. Fortunately, in Colorado, you’re allowed to file a claim with your insurance company to recover the diminished value, meaning the difference between the pre-accident value and the post-accident, post-repair value of the car.
You can only do so if your car was damaged in a collision that wasn’t your fault. And you have a maximum of two years to file such a claim.
Cheapest car insurance for drivers with an incident
People with clean driving records pay the lowest insurance premiums. Once you have an incident on your driving record — which could include a speeding ticket, at-fault accident, DUI, or other moving violation — you can expect your premiums to be higher.
In the sections below, you’ll see how different incident types affect your insurance rates in Longmont.
Shop for Car Insurance in Longmont, CO
Monthly rates start at $47 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: State Farm
A speeding ticket adds points to your license, results in financial penalties, and usually increases your insurance premiums. The amount your premiums will increase depends on several factors, including the severity of the ticket and your insurer.
The average cost of car insurance for drivers with a speeding ticket in Longmont, CO, is $260 per month for full coverage and $129 for liability.
The table below shows the cheapest insurance quotes for drivers with a speeding ticket on their record compared to people with a clean driving record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $39 | $51 |
| USAA | $50 | $66 |
| American Family | $54 | $71 |
| GEICO | $60 | $79 |
| Allstate | $61 | $80 |
| Nationwide | $65 | $87 |
| Root | $65 | $92 |
| Sun Coast | $65 | $94 |
| Progressive | $69 | $90 |
| Auto-Owners | $70 | $93 |
| The General | $75 | $101 |
| Bristol West | $80 | $106 |
| Safeco | $93 | $124 |
| Dairyland | $97 | $128 |
| Foremost | $98 | $139 |
| Travelers | $98 | $130 |
| Farmers | $103 | $135 |
| Direct Auto | $108 | $143 |
| National General | $125 | $166 |
| Liberty Mutual | $167 | $237 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Being at fault for a car accident can cause your premiums to rise for a couple reasons. First, you’ve shown your insurance company that you’re a higher-risk driver. Secondly, if there were damages, you’d have also directly cost your insurance company money.
The more serious the accident, the more you can expect your premiums to increase, and Insurify internal data shows that premiums increase an average of 26% after an at-fault accident. You may also see your premiums rise after an accident where you weren’t at fault, though that’s not always the case.
Below, you can find the cheapest insurance rates for drivers with an at-fault accident on their record compared to people with a clean driving record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $39 | $52 |
| USAA | $50 | $67 |
| American Family | $54 | $72 |
| GEICO | $60 | $80 |
| Allstate | $61 | $81 |
| Nationwide | $65 | $87 |
| Root | $65 | $93 |
| Sun Coast | $65 | $91 |
| Progressive | $69 | $93 |
| Auto-Owners | $70 | $94 |
| The General | $75 | $102 |
| Bristol West | $80 | $107 |
| Safeco | $93 | $123 |
| Dairyland | $97 | $128 |
| Foremost | $98 | $139 |
| Travelers | $98 | $132 |
| Farmers | $103 | $137 |
| Direct Auto | $108 | $147 |
| National General | $125 | $166 |
| Liberty Mutual | $167 | $237 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI — short for “driving under the influence” — is one of the most severe driving violations there is. A DUI can cause serious legal ramifications, including license suspension, fines, and even jail time. It can also make car insurance more expensive and challenging.
First, some insurance companies may drop you altogether. And when you do get insurance, it’s going to cost more. In fact, it’s not uncommon for your car insurance rates to more than double after a DUI.
In the table below, you can see the cheapest insurance quotes for drivers with a DUI compared to people with clean driving records.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $39 | $63 |
| USAA | $50 | $81 |
| American Family | $54 | $88 |
| GEICO | $60 | $97 |
| Allstate | $61 | $99 |
| Nationwide | $65 | $105 |
| Root | $65 | $94 |
| Sun Coast | $65 | $104 |
| Progressive | $69 | $112 |
| Auto-Owners | $70 | $113 |
| The General | $75 | $122 |
| Bristol West | $80 | $130 |
| Safeco | $93 | $140 |
| Dairyland | $97 | $157 |
| Foremost | $98 | $159 |
| Travelers | $98 | $159 |
| Farmers | $103 | $167 |
| Direct Auto | $108 | $175 |
| National General | $125 | $203 |
| Liberty Mutual | $167 | $271 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Older drivers pay some of the lowest insurance premiums of all drivers. However, once you reach age 70, you may find that your insurance rates start to increase. Declining health can increase a driver’s risk for an accident, and premiums increase to guard against this heightened risk.
You’ll find the cheapest insurance quotes for seniors in Longmont in the table below. The cheapest insurer in the city for senior drivers is State Farm, with a monthly rate of $29.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $29 | $62 |
| USAA | $38 | $82 |
| American Family | $40 | $86 |
| GEICO | $45 | $97 |
| Allstate | $46 | $99 |
| Nationwide | $46 | $98 |
| Progressive | $47 | $101 |
| Sun Coast | $48 | $115 |
| Auto-Owners | $52 | $112 |
| Root | $52 | $92 |
| The General | $57 | $153 |
| Bristol West | $60 | $153 |
| Travelers | $72 | $157 |
| Dairyland | $73 | $171 |
| Foremost | $74 | $224 |
| Safeco | $75 | $137 |
| Farmers | $76 | $163 |
| Direct Auto | $79 | $183 |
| National General | $90 | $179 |
| Liberty Mutual | $132 | $212 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teenagers have less experience behind the wheel and may be more likely to engage in high-risk driving activities, such as speeding and distracted driving. As a result, they pay some of the highest rates on the market.
If you’re adding a teen driver to your insurance policy, you should consider taking advantage of certain discounts specifically targeted at teens, such as good student discounts. You can also usually save money by adding your teen to your auto policy rather than getting them their own policy.
In the table below, you’ll find the cheapest insurance quotes for teens for both liability and full coverage. State Farm offers the cheapest insurance for teen drivers in Longmont, with a premium of $69 per month.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| State Farm | $69 | $151 |
| USAA | $87 | $189 |
| American Family | $96 | $209 |
| GEICO | $99 | $213 |
| Root | $100 | $179 |
| Allstate | $112 | $241 |
| Nationwide | $117 | $252 |
| Sun Coast | $118 | $282 |
| Auto-Owners | $121 | $260 |
| The General | $123 | $328 |
| Progressive | $125 | $270 |
| Bristol West | $139 | $353 |
| Dairyland | $162 | $378 |
| Foremost | $179 | $544 |
| Travelers | $183 | $397 |
| Safeco | $184 | $335 |
| Farmers | $186 | $400 |
| Direct Auto | $203 | $469 |
| National General | $253 | $504 |
| Liberty Mutual | $296 | $473 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Longmont car insurance quotes by credit tier
In most states, your credit history can affect your insurance premiums. Due to a perceived connection between credit and insurance risk, drivers with good credit pay lower insurance premiums, while drivers with poor credit pay higher rates.
Good to Know
A few states have passed legislation to prohibit insurance companies from using credit history as a determining factor in setting insurance premiums, and more are trying to do the same.
Colorado recently prohibited the use of external data that could result in unfair discrimination based on certain factors, but it hasn’t specifically addressed credit history. Therefore, insurance companies in Longmont can still take your credit into account when setting your insurance rates.[3]
To get an idea of how your credit history may affect your premiums, you can look at the chart below, which shows average monthly quotes for the four different credit tiers.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Longmont?
Car insurance premiums in Colorado are slightly more expensive than the national average for full coverage and slightly cheaper for liability coverage. Meanwhile, Longmont drivers pay lower average rates than both the national and state averages.
While the national average insurance premium is $204 per month for full coverage and $104 for liability, Longmont drivers pay just $180 for full coverage and $89 for liability, according to Insurify’s internal data.
More cities in Colorado
In addition to paying lower premiums than the state and national averages, Longmont drivers also enjoy lower premiums than many popular Colorado cities, including Aurora, Boulder, and Pueblo.
Premiums can vary by location — including state, city, or ZIP code — for a variety of reasons, including local crime rates, uninsured driver rates, accident rates, and more.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Aurora | $120 | $261 |
| Boulder | $88 | $191 |
| Colorado Springs | $100 | $231 |
| Denver | $108 | $247 |
| Westminster | $106 | $216 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Longmont car insurance FAQs
Car insurance rates are already affordable in Longmont, but you can find information here to help you lower your rates even more.
How much is car insurance in Longmont?
The average rate for car insurance in Longmont is $135 per month. The average rate for liability-only coverage is $89 per month, and the average rate for full coverage is $180 per month.
Who has the cheapest car insurance in Longmont?
State Farm offers the cheapest car insurance in Longmont, with rates at $39 per month. USAA and American Family also offer cheap car insurance in the area, with monthly rates of $50 and $54, respectively.
What are the best car insurance companies in Longmont?
State Farm, American Family, and Sun Coast rank as three of the top insurers in the area. State Farm and American Family are among the largest insurers in the country, and each is known for its financial stability and customer service. Sun Coast is a smaller insurer that offers customers options not found with larger insurers by canvassing a wide array of insurance options to help you find the best policy for you.
What factors affect car insurance rates in Longmont?
Several factors affect your car insurance rates in Longmont, including your age, gender, marital status, credit, the make and model of your vehicle, and where you live. Some of these things are outside your control, but maintaining a clean driving record can have a big effect on the rates you pay.
How do you file a diminished-value claim in Longmont?
You’re allowed to file a claim with your insurance company for its diminished value after an accident. This diminished value is the difference between the pre-accident value of your car and the post-accident, post-repair value. You’ll likely need to document your vehicle’s Kelley Blue Book value, and you should be ready to prove the diminished value via photos or other documentation.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Colorado
Sources
- J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
- National Conference of State Legislatures. "States Consider Limits on Insurers’ Use of Consumer Credit Info."
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Erin Gobler
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
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