Cheapest Auto Insurance in Longmont, Colorado (2026)

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 $140 and $136.

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.

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	$127	$55	Customer satisfaction
American Family	9.3	$175	$76	Discounts
Sun Coast	N/A	$217	$70	Coverage options

Disclaimer: Table data sourced from real-time Longmont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Longmont may vary based on the policy buyer's unique driver profile.

• How Insurify rates insurance companies

  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 55,000 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

customer satisfaction

Compare Quotes

User Reviews	4.0 16,857 reviews
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.	$52/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.	$120/mo

Details

Driver Reviews

4.0

Best choice in Longmont, COBased on 16,857 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best in Longmont for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

Based on analysis of verified reviews collected by Insurify

Best in Longmont for

Customer service

Competitive rates

Discounts for safe drivers

Showing 30 Colorado reviews for Longmont drivers - See all 7,353 State Farm reviews

Robin

Verified Review

Too Expensive, No Breaks

Reviewed in Colorado on April 6, 2026

I am on a fixed income and $350 per month for full coverage is not in my budget.

Gregory

Verified Review

Loyal customer with no benefits thinking about searching for new options

Reviewed in Colorado on March 31, 2026

I've been with State Farm for over 25 years, and the rates keep going up. I've been loyal, but it seems one-sided.

John

Verified Review

Happy State Farm customer for over 25 years.

Reviewed in Colorado on March 12, 2026

If you're looking for multiple options at affordable rates, choose State Farm. I've been with them for over 25 years, and each time I try to find lower rates with comparable coverage, it ends without success at any other insurance company. The biggest difference I've experienced involves the annual premium for Homeowner's Insurance. I've received estimates from other carriers that have been twice the amount I pay at State Farm. Bundled with Auto coverage, I've not found a more affordable insurance company.

Lelia

Verified Review

State Farm Reviewed

Reviewed in Colorado on February 25, 2026

Shop around and compare.

Jerry

Verified Review

Excellent

Reviewed in Colorado on February 14, 2026

Shop around before you buy, but make sure you're comparing apples to apples.

Philip

Verified Review

I did the survey

Reviewed in Colorado on February 13, 2026

State Farm is great. I like dealing directly with my agent.

Le

Verified Review

St Farm Experience

Reviewed in Colorado on February 9, 2026

St Farm has been a fair insurer for decades. However, rates are increasing by leaps and bounds—just increased 22%!

Frank

Verified Review

Comments

Reviewed in Colorado on February 6, 2026

I have had very little contact with the office of this agent. I have not even received a Christmas card, a birthday card, or a call, but that doesn’t matter because the times that I’ve had claims, which has only been twice in the past 5-6 years, they have responded excellently. However, that is the claims office, not my agent.

Glenn

Verified Review

State Farm Review

Reviewed in Colorado on January 22, 2026

Excellent Service

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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

discounts

Compare Quotes

User Reviews	4.5 612 reviews
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.	$72/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.	$165/mo

Details

Driver Reviews

4.5

Best choice in Longmont, COBased on 612 verified driver reviews and ratings

How drivers feel about American Family

Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.

Based on analysis of verified reviews collected by Insurify

Best in Longmont for

Outstanding customer service

Flexible coverage options

Families with young drivers

How drivers feel about American Family

Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.

Based on analysis of verified reviews collected by Insurify

Best in Longmont for

Outstanding customer service

Flexible coverage options

Families with young drivers

Showing recent national reviews - See all 267 American Family reviews

April

Verified Review

Roadside assistance was removed without my knowledge, so I’m not reimbursed for my jump starts. The agent only communicates via email or text. I would not recommend Allstate in Coshocton.

Reviewed in Ohio on April 4, 2026

Roadside assistance was removed without my knowledge, so I’m not reimbursed for my jump starts. The agent only communicates via email or text. I would not recommend Allstate in Coshocton.

David

Verified Review

Feeling Betrayed

Reviewed in Oklahoma on April 4, 2026

They started out affordable, but the rates jumped up with hardly any warning. After being with them for years, my policy kept increasing. I would advise others to keep looking.

Jeffrey

Verified Review

Good company.

Reviewed in Washington on March 31, 2026

Everything was good, I just found better coverage at a cheaper price.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.47

A.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

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

coverage options

Compare Quotes

User Reviews	4.0 35 reviews
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.	$66/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.	$203/mo

Details

Driver Reviews

4.0

Best choice in Longmont, COBased on 35 verified driver reviews and ratings

How drivers feel about Sun Coast

Drivers appreciate the initial low prices but dislike the subsequent price increases and lack of communication for policy upgrades.

Based on analysis of verified reviews collected by Insurify

Best in Longmont for

Difficult-to-insure drivers

West Coast drivers

Coverage in Mexico

How drivers feel about Sun Coast

Drivers appreciate the initial low prices but dislike the subsequent price increases and lack of communication for policy upgrades.

Based on analysis of verified reviews collected by Insurify

Best in Longmont for

Difficult-to-insure drivers

West Coast drivers

Coverage in Mexico

Showing recent national reviews - See all 14 Sun Coast reviews

Hugo

Verified Purchase

Professional

Reviewed in Arizona on February 20, 2026

Easy and perfect.

Jorge

Verified Purchase

I found that the service over the phone has been excellent, and they also explain things very well for someone to understand!

Reviewed in Arizona on January 13, 2026

I found that the service over the phone has been excellent, and they also explain things very well for someone to understand!

Rebecca

Verified Purchase

Sun Coast Rocks!

Reviewed in Colorado on November 15, 2025

I don't know how many insurance companies I tried to see who is offering the best rate. At least 30. Sun Coast has the best rates, hands down!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

NR

A.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).

NR

Why 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 $52 per month

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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 $91 per month, and you can see how quotes from different insurers stack up in the table below.

The below rates in Longmont, CO, are estimated rates current as of: Monday, April 6 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$52
Sun Coast	$66
USAA	$67
Progressive	$68
The General	$70
American Family	$72
Root	$74
Mile Auto	$75
GEICO	$79
Allstate	$80
Bristol West	$84
Nationwide	$86
Auto-Owners	$93
Mendota	$105
Safeco	$110
Trexis	$110
National General	$115
Dairyland	$121
Direct Auto	$122
Travelers	$130
Farmers	$136
Liberty Mutual	$178

Disclaimer: Table data sourced from real-time Longmont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Longmont 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 $178, and you can see the quotes from top insurers in the table below.

The below rates in Longmont, CO, are estimated rates current as of: Monday, April 6 at 12:00 PM PDT. 

Insurance Company	Average Monthly Quote
State Farm	$120
Root	$150
USAA	$155
Progressive	$162
American Family	$165
GEICO	$183
Allstate	$186
Mile Auto	$186
Bristol West	$187
Safeco	$194
Nationwide	$198
Sun Coast	$203
The General	$207
Auto-Owners	$213
National General	$248
Mendota	$253
Direct Auto	$262
Dairyland	$278
Trexis	$286
Liberty Mutual	$295
Travelers	$301
Farmers	$314

Disclaimer: Table data sourced from real-time Longmont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Longmont 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 $64 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 $231 per month for full coverage and $118 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 in Longmont, CO, are estimated rates current as of: Monday, April 6 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$52	$68
Sun Coast	$66	$87
USAA	$67	$89
Progressive	$68	$90
The General	$70	$96
American Family	$72	$96
Root	$74	$101
Mile Auto	$75	$94
GEICO	$79	$106
Allstate	$80	$107
Bristol West	$84	$109
Nationwide	$86	$114
Auto-Owners	$93	$124
Mendota	$105	$138
Safeco	$110	$148
Trexis	$110	$145
Dairyland	$121	$154
Direct Auto	$122	$157
Travelers	$130	$173
Farmers	$136	$179
Liberty Mutual	$178	$232

Disclaimer: Table data sourced from real-time Longmont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Longmont 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 in Longmont, CO, are estimated rates current as of: Monday, April 6 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With Accident
State Farm	$52	$69
Sun Coast	$66	$87
USAA	$67	$90
Progressive	$68	$90
The General	$70	$97
American Family	$72	$97
Root	$74	$99
Mile Auto	$75	$101
GEICO	$79	$104
Allstate	$80	$107
Bristol West	$84	$111
Nationwide	$86	$116
Auto-Owners	$93	$123
Mendota	$105	$139
Safeco	$110	$154
Trexis	$110	$146
Dairyland	$121	$160
Direct Auto	$122	$167
Travelers	$130	$175
Farmers	$136	$182
Liberty Mutual	$178	$237

Disclaimer: Table data sourced from real-time Longmont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Longmont 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 in Longmont, CO, are estimated rates current as of: Monday, April 6 at 12:00 PM PDT. 

Insurance Company	Clean Driving Record	With DUI
State Farm	$52	$74
Sun Coast	$66	$92
USAA	$67	$95
Progressive	$68	$95
The General	$70	$96
American Family	$72	$102
Root	$74	$106
Mile Auto	$75	$106
GEICO	$79	$111
Allstate	$80	$113
Bristol West	$84	$119
Nationwide	$86	$122
Auto-Owners	$93	$132
Mendota	$105	$146
Safeco	$110	$165
Trexis	$110	$153
Dairyland	$121	$172
Direct Auto	$122	$173
Travelers	$130	$184
Farmers	$136	$193
Liberty Mutual	$178	$252

Disclaimer: Table data sourced from real-time Longmont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Longmont 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 $40.

The below rates in Longmont, CO, are estimated rates current as of: Monday, April 6 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$40	$92
USAA	$53	$123
Sun Coast	$54	$167
American Family	$56	$129
Progressive	$56	$134
Mile Auto	$58	$143
The General	$58	$172
GEICO	$61	$142
Root	$61	$123
Allstate	$63	$148
Nationwide	$64	$148
Bristol West	$68	$152
Auto-Owners	$72	$164
Mendota	$87	$209
Trexis	$91	$236
Safeco	$94	$166
Direct Auto	$97	$209
Dairyland	$100	$230
Travelers	$101	$235
Farmers	$105	$243
Liberty Mutual	$145	$240

Disclaimer: Table data sourced from real-time Longmont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Longmont 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 $101 per month.

The below rates in Longmont, CO, are estimated rates current as of: Monday, April 6 at 12:00 PM PDT. 

Insurance Company	Liability Only	Full Coverage
State Farm	$102	$235
Sun Coast	$122	$375
Progressive	$125	$299
USAA	$125	$289
The General	$127	$374
Root	$130	$264
American Family	$138	$316
GEICO	$144	$334
Bristol West	$150	$335
Mile Auto	$156	$387
Allstate	$160	$371
Nationwide	$169	$390
Auto-Owners	$191	$437
Mendota	$194	$467
Trexis	$203	$528
Dairyland	$212	$487
Safeco	$225	$397
Direct Auto	$239	$513
Travelers	$273	$632
Farmers	$274	$633
Liberty Mutual	$315	$522

Disclaimer: Table data sourced from real-time Longmont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Longmont 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.

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.

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 $173 per month for full coverage and $99 for liability, Longmont drivers pay just $178 for full coverage and $91 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	$117	$238
Boulder	$81	$170
Colorado Springs	$97	$212
Denver	$105	$220
Westminster	$106	$196

Disclaimer: Table data is based on real-time Longmont quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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