Compare Longmont, CO Car Insurance Rates (2022)

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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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 22, 2022

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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.

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Here's What You Need to Know

  • 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.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Longmont, Colorado

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.

Minimum Required Car Insurance Coverage in Longmont, Colorado

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.

Annual Car Insurance Rates by Credit Score in Longmont, Colorado

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.

Annual Longmont, Colorado Car Insurance Rates by Driving Record

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.

Annual Car Insurance Rates for Teen Drivers in Longmont, Colorado

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.

Annual Car Insurance Rates for Senior Drivers in Longmont, Colorado

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.

Annual Car Insurance Rates After a DUI in Longmont, Colorado

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.

Annual Car Insurance Rates by Commute Length in Longmont, Colorado

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.

Annual Car Insurance Rates by ZIP Code in Longmont, Colorado

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.

Average Annual Car Insurance Rates by Company in Longmont, Colorado

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.

Best Annual Car Insurance Rates by Company in Longmont, Colorado

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.

Annual Car Insurance Rates by Coverage Level in Longmont, Colorado

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.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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