Buy Cheap Longmont, CO Auto Insurance (2021)

Longmont, CO auto insurance rates average $295 a month. Minimum auto insurance requirements in Longmont, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Longmont, CO, compare Longmont auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Longmont, CO for teens drivers are $6,947/year
  • Average auto insurance rates in Longmont, CO are $295/month
  • The most expensive auto insurance company in Longmont after a DUI is Allstate

Finding affordable Longmont, Colorado auto insurance can be challenging, but everything you need to know to buy cheap Longmont, CO auto insurance with confidence is right here. Auto insurance rates in Longmont are affected by local factors as well as personal ones like your driving record.

See how Longmont, CO car insurance rates compare to Fort Collins auto insurance rates, Boulder auto insurance rates, and Colorado Springs auto insurance rates before you read more about the cost of auto insurance in Longmont.

Don’t buy Longmont, CO auto insurance until you’ve compared rates. Get free Longmont, Colorado auto insurance quotes when you enter your ZIP code above.

Longmont, CO Minimum Auto Insurance Requirements

The required auto insurance in Longmont, CO is 25/50/15 according to the auto insurance laws in Colorado. The minimum auto insurance in Longmont, Colorado is outlined here.

Minimum Required Auto 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

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Find Cheap Longmont, CO Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Longmont, CO. Take a look at Longmont, Colorado auto insurance rates by credit history.

Annual Auto 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

Buy Cheap Longmont, CO Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Longmont, Colorado auto insurance rates? Find out how car insurance rates in Longmont, CO are impacted by demographics.

Annual Auto 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

Buy Cheap Longmont, CO Auto Insurance for Teen Drivers

Auto insurance for teenagers in Longmont can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Longmont, CO are listed here.

Annual Auto 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

Buy Cheap Longmont, CO Auto Insurance for Seniors

You can save on senior auto insurance rates in Longmont, Colorado by comparing Longmont senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Longmont, CO here.

Annual Auto 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

Find Cheap Auto Insurance Rates in Longmont, CO by Coverage Level

The amount of coverage you choose is a big factor in the cost of Longmont, Colorado auto insurance. Compare Longmont, CO auto insurance rates by coverage level.

Annual Auto 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

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Find Cheap Longmont, CO Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Longmont. Compare auto insurance rates in Longmont, CO by commute length to see how your daily commute impacts your rates.

Annual Auto 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

Find Cheap Longmont, CO Auto Insurance Rates by ZIP Code

Auto insurance rates in Longmont, Colorado can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Longmont, CO to see how much where you live in Longmont affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Longmont, Colorado

ZIP Code Average Annual Rates
80501 $3,278
80503 $3,275
80504 $3,276

Find Cheap Longmont, CO Auto Insurance Rates by Driving Record

Auto insurance rates in Longmont, Colorado are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Longmont, CO, take a look at the average cost for various violations versus rates for a clean driving record in Longmont.

Annual Longmont, Colorado Auto 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

Find Cheap Longmont, CO Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Longmont, Colorado is higher than for a clean driving record. You can buy auto insurance after a DUI in Longmont for less when you shop around and compare rates from multiple Longmont, CO auto insurance companies.

Annual Auto Insurance Rates After a DUI in Longmont, Colorado

Insurance Company Annual Auto 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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Winners by Category: Where to Buy Cheap Auto Insurance in Longmont, CO

Compare rates from the cheapest auto insurance companies in Longmont, CO for your needs. Take a look at how Longmont, Colorado auto insurance companies stack up for each category.

Best Annual Auto 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

Find Cheap Longmont, Colorado Auto Insurance Companies

If you’re looking for the cheapest Longmont, CO auto insurance companies overall, you can compare them here. Find the best price for Longmont, Colorado car insurance by company.

Average Annual Auto 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

What affects Longmont, Colorado auto insurance rates?

Local factors affect auto insurance rates in Longmont, CO, including traffic, theft statistics, and commute length. Take a look at the things that impact Longmont auto insurance rates.

Commute Times in Longmont

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Longmont, CO is 24.9 minutes according to City-Data.

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Compare Auto Insurance Quotes in Longmont, CO

You can buy cheap Longmont, CO auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Longmont, Colorado auto insurance quotes from top companies.

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