Compare Loveland, CO Car Insurance Rates (2021)

Car insurance in Loveland, CO averages $281 a month. Loveland, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Loveland car insurance rates, compare quotes from the top car insurance companies in Loveland, CO.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Loveland, CO are $3,367/year
  • The cheapest car insurance company in Loveland is Liberty Mutual
  • The cheapest car insurance company in Loveland for teen drivers is USAA

If you need to buy Loveland, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Loveland, CO is right here.

You’ll find Loveland car insurance rates, the cheapest Loveland, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Loveland, Colorado car insurance rates to Fort Collins car insurance rates, Lakewood car insurance rates, and Arvada car insurance rates.

Ready to find affordable Loveland, CO car insurance today? Enter your ZIP code for fast, free Loveland car insurance quotes.

Cheapest Loveland, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Loveland, CO car insurance rates? Every Loveland, 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 Loveland, 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 $2,653 $2,484 $2,405 $2,428 $9,150 $9,634 $2,899 $2,906
American Family $2,318 $2,318 $2,094 $2,094 $5,595 $7,524 $2,318 $2,830
Farmers $2,700 $2,671 $2,443 $2,639 $10,366 $10,436 $2,965 $2,986
GEICO $1,721 $1,887 $1,847 $2,114 $5,472 $5,768 $1,573 $1,587
Liberty Mutual $1,676 $1,578 $1,420 $1,568 $5,335 $5,840 $1,696 $1,714
Nationwide $2,263 $2,300 $2,028 $2,139 $5,724 $7,310 $2,605 $2,810
Progressive $2,095 $1,961 $1,853 $1,843 $7,204 $8,026 $2,349 $2,278
State Farm $1,833 $1,833 $1,665 $1,665 $5,486 $6,932 $2,059 $2,440
USAA $1,845 $1,836 $1,769 $1,765 $4,632 $5,286 $2,358 $2,550

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Minimum Car Insurance in Loveland, CO

Every driver must carry the minimum car insurance in Loveland, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car Insurance Coverage in Loveland, 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 Loveland, CO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Loveland, CO. Compare credit history car insurance rates in Loveland from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Loveland, Colorado

Insurance Company Poor Fair Good
Allstate $5,497 $4,247 $3,216
American Family $4,385 $3,137 $2,636
Farmers $5,390 $4,391 $4,171
GEICO $3,299 $2,746 $2,194
Liberty Mutual $3,706 $2,285 $1,819
Nationwide $4,099 $3,254 $2,838
Progressive $3,917 $3,354 $3,083
State Farm $4,152 $2,666 $2,148
USAA $4,057 $2,332 $1,876

Cheapest Loveland, 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 Loveland, CO to rates for a clean record with top companies.

Annual Loveland, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,686 $4,236 $5,183 $4,175
American Family $2,504 $3,565 $4,638 $2,838
Farmers $3,926 $5,055 $4,985 $4,638
GEICO $1,926 $3,021 $3,538 $2,501
Liberty Mutual $2,291 $2,674 $2,761 $2,687
Nationwide $2,618 $3,570 $4,523 $2,879
Progressive $2,988 $4,199 $3,149 $3,469
State Farm $2,735 $3,244 $2,989 $2,989
USAA $2,020 $2,462 $4,268 $2,270

Cheapest Loveland, CO Car Insurance for Teen Drivers

Teen car insurance in Loveland, CO can be expensive. Take a look at rates from the top car insurance companies in Loveland for teenagers.

Annual Car Insurance Rates for Teen Drivers in Loveland, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,150 $9,634
American Family $5,595 $7,524
Farmers $10,366 $10,436
GEICO $5,472 $5,768
Liberty Mutual $5,335 $5,840
Nationwide $5,724 $7,310
Progressive $7,204 $8,026
State Farm $5,486 $6,932
USAA $4,632 $5,286

Cheapest Loveland, CO Car Insurance for Seniors

Take a look at Loveland, 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 Loveland, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,405 $2,428
American Family $2,094 $2,094
Farmers $2,443 $2,639
GEICO $1,847 $2,114
Liberty Mutual $1,420 $1,568
Nationwide $2,028 $2,139
Progressive $1,853 $1,843
State Farm $1,665 $1,665
USAA $1,769 $1,765

Cheapest Loveland, CO Car Insurance Rates After a DUI

A DUI in Loveland, CO increases car insurance rates. Compare Loveland, Colorado DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Loveland, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,183
American Family $4,638
Farmers $4,985
GEICO $3,538
Liberty Mutual $2,761
Nationwide $4,523
Progressive $3,149
State Farm $2,989
USAA $4,268

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Cheapest Loveland, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Loveland, CO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Loveland, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,320 $4,320
American Family $3,313 $3,459
Farmers $4,651 $4,651
GEICO $2,691 $2,801
Liberty Mutual $2,603 $2,603
Nationwide $3,397 $3,397
Progressive $3,451 $3,451
State Farm $2,913 $3,065
USAA $2,678 $2,832

The Best Cheap Car Insurance Companies in Loveland, CO

Take a look at a side-by-side comparison of the top car insurance companies in Loveland, CO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Loveland, Colorado

Insurance Company Average Annual Rates
Allstate $4,320
American Family $3,386
Farmers $4,651
GEICO $2,746
Liberty Mutual $2,603
Nationwide $3,397
Progressive $3,451
State Farm $2,989
USAA $2,755

Category Winners: Cheapest Car Insurance in Loveland, Colorado

Find the cheapest car insurance companies in Loveland, CO for each category right here.

Best Annual Car Insurance Rates by Company in Loveland, 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

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Cheapest Loveland, CO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Loveland car insurance rates. Find the cheapest Loveland, CO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Loveland, Colorado

Insurance Company Low Medium High
Allstate $4,077 $4,304 $4,578
American Family $3,192 $3,457 $3,509
Farmers $4,076 $4,586 $5,291
GEICO $2,444 $2,694 $3,101
Liberty Mutual $2,436 $2,593 $2,781
Nationwide $3,381 $3,402 $3,409
Progressive $3,147 $3,464 $3,743
State Farm $2,762 $2,993 $3,212
USAA $2,620 $2,755 $2,891

What affects car insurance rates in Loveland, Colorado?

What factors can have an impact on Loveland, CO car insurance? There are several reasons why Loveland car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Loveland, Colorado.

Commute Time in Loveland

The more time you spend in your car the higher the risk of an accident. The average commute length in Loveland, CO is 25.7 minutes according to City-Data.

Compare Car Insurance Quotes in Loveland, CO

Ready to find affordable Loveland, Colorado car insurance today? Enter your ZIP code for fast, free Loveland, CO car insurance quotes.

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