120+ more*Quotes generated for Insurify users in and around Longmont, Colorado within the last 10 days. Last updated on October 19, 2026. 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 October 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Rebecca Henderson is a freelance automotive and consumer content writer with more than a decade of experience creating research-driven, SEO-focused content. She specializes in automotive and home services, with additional experience writing about personal finance and pet care. Her work has been featured in USA Today, MarketWatch, This Old House, and Today’s Homeowner. She enjoys taking complicated topics — from car warranties and home repairs to insurance and everyday purchases — and breaking them down into clear, practical information that helps readers make confident decisions. When she’s not writing, Rebecca can usually be found baking something sweet, getting lost in a good book, or exploring new places.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
Updated
On average, drivers in Longmont, Colorado, pay $93 per month for liability-only car insurance and $194 for full coverage.
In comparison, state-minimum car insurance costs drivers in Boulder, Colorado, an average of $87 per month. Broomfield drivers pay an average of $99 per month for liability-only coverage.
Drivers in Longmont have an average commute of 24.5 minutes, with many traveling on busy U.S. Route 287. More time spent on high-traffic roads can increase the risk of accidents and contribute to higher average insurance costs.
Liability-only insurance costs an average of $93 per month in Longmont. State Farm offers the city’s cheapest liability-only coverage, averaging $50 per month.
Statewide, drivers pay an average of $97 per month for liability insurance.
Minimum liability requirements in the Centennial State include the following:[1]
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$15,000 in property damage liability per accident
Colorado offers drivers the option to purchase uninsured and underinsured motorist coverage, but the state doesn’t require it.
The following table shows the cheapest liability-only car insurance rates in Longmont.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $50 |
| Sun Coast | $56 |
| Progressive | $60 |
| The General | $60 |
| Root | $64 |
| USAA | $64 |
| Mile Auto | $67 |
| American Family | $70 |
| GEICO | $71 |
| Bristol West | $77 |
| Auto-Owners | $90 |
| Trexis | $92 |
| Mendota | $94 |
| Safeco | $97 |
| National General | $100 |
| Dairyland | $102 |
| Allstate | $106 |
| Direct Auto | $106 |
| Insurify Car | $114 |
| Travelers | $127 |
| Farmers | $131 |
| Liberty Mutual | $154 |
Pay your first week’s premium and get immediate proof of insurance
In Longmont, State Farm offers the cheapest full-coverage insurance, averaging $114 per month. Full-coverage insurance in Longmont costs an average of $194 per month, compared to the statewide average of $217.
In Aurora, full coverage costs $242 per month, on average, while drivers in Grand Junction pay an average of $141. Longmont’s vehicle theft rates have declined in recent years, but thieves stole close to 250 cars in 2025.[2]
A full-coverage policy, which includes comprehensive coverage, pays to replace your car if someone steals it.
The table below shows the cheapest full-coverage insurance rates in Longmont.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $114 |
| Progressive | $127 |
| Root | $141 |
| USAA | $147 |
| American Family | $157 |
| GEICO | $161 |
| Mile Auto | $169 |
| Bristol West | $172 |
| Safeco | $175 |
| The General | $183 |
| Sun Coast | $196 |
| Auto-Owners | $204 |
| Allstate | $217 |
| National General | $225 |
| Dairyland | $233 |
| Mendota | $234 |
| Direct Auto | $237 |
| Trexis | $246 |
| Liberty Mutual | $267 |
| Travelers | $286 |
| Farmers | $299 |
Drivers in Aurora pay some of the state’s highest average car insurance rates, while Grand Junction drivers’ rates are among the lowest.
At $144 per month, Longmont’s average car insurance rates are comparable to the state average of $157 per month.
Population size may account for differences in rates among these Colorado cities. Longmont has about 100,000 residents, which is less than one-fourth of Aurora’s 410,000 residents.
In comparison, Grand Junction is home to about 72,000 residents, according to U.S. Census Bureau estimates.
The following table highlights the average monthly cost of car insurance in several Colorado cities.
City | Average Monthly Quote |
|---|---|
| Grand Junction | $106 |
| Loveland | $124 |
| Fort Collins | $130 |
| Boulder | $136 |
| Greeley | $136 |
| Arvada | $147 |
| Castle Rock | $148 |
| Pueblo | $152 |
| Broomfield | $158 |
| Westminster | $158 |
| Parker | $159 |
| Colorado Springs | $161 |
| Commerce City | $162 |
| Denver | $169 |
| Englewood | $171 |
| Aurora | $183 |
*Quotes generated for Insurify users in and around Longmont, Colorado within the last 10 days. Last updated on October 19, 2026. 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 October 19, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your selected coverage and driving history help car insurance agents personalize your quotes. Maintaining a driving record free from speeding tickets, at-fault accidents, and driving under the influence (DUI) convictions typically gives you access to the most affordable rates.
The following insurers offer the cheapest average liability rates for common driver profiles in Longmont:
Cheapest car insurance for Longmont drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Longmont: State Farm
Cheapest car insurance for Longmont drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Longmont: State Farm
Colorado became an at-fault state in 2003. This means a driver who causes an accident is financially responsible for damages.
In Longmont, 5.2% of drivers have an at-fault accident on their record, 4.7% have a speeding ticket, and 1.2% have a DUI conviction, according to Insurify data.
The Longmont Police Department actively enforces DUI laws, occasionally with sobriety checkpoints throughout Boulder County. Under Colorado law, the state may revoke your driver’s license if your blood alcohol content (BAC) exceeds 0.08% or if you refuse the test.[3]
The following table shows average monthly quotes in Longmont by driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $144 |
| Speeding ticket | $186 |
| At-fault accident | $192 |
| DUI | $201 |
Traffic congestion is common at intersections between major highways and city streets. For example, the intersection of Main Street and state Highway 119 saw 221 crashes between 2019 and 2023.
In addition, ongoing construction at the intersection of Highway 119 and Hover Street continues to disrupt normal traffic patterns and delay traffic. City officials expect the addition of a single westbound bridge to enhance motorist, bicyclist, and pedestrian safety.
If you plan to visit downtown Longmont, you can find free time-limited parking on the street and in two public parking garages at Roosevelt Park Apartments and Coffman Street.
As for weather, a catastrophic flash flood swept through the city in September 2013. Even so, Longmont receives average rain and snowfall amounts typical of the Front Range. During the winter, if you travel to Colorado’s mountain resorts, full coverage can help pay for vehicle repairs after a spinout or guardrail collision.
Finally, Colorado ranks No. 9 in the nation for uninsured drivers, according to the Insurance Research Council. With nearly one-fifth of Colorado drivers lacking insurance, consider adding uninsured motorist coverage, even though it’s optional.
State highways 66 (Ute Highway), 287, and 119 (the Diagonal) run through Longmont. The Colorado Department of Transportation estimates the Diagonal will experience a 25% increase in traffic by 2040.[4]
Traffic congestion in Longmont delays drivers 42 hours annually, according to a Texas A&M Transportation Institute study. Ongoing construction related to the CO 119 Safety, Mobility and Bikeway project continues to affect traffic patterns and add to congestion.
Speed cameras located at Ken Pratt Boulevard and Main Street issued 16,513 citations from January to June 2026. While preliminary data shows that crash rates have decreased, police say they don’t yet know whether the decline is due to the cameras or other factors.
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The average monthly cost of liability insurance for Longmont teens is $171. State Farm offers the cheapest liability-only coverage for teen drivers, at an average of $96 per month.
In Colorado, teenagers can get a learner’s permit at age 15 and a driver’s license at 16.[5]
Use the following table to explore insurers that offer the cheapest car insurance rates for Longmont teen drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $96 |
| Root | $97 |
| Sun Coast | $103 |
| The General | $108 |
| Progressive | $110 |
| USAA | $117 |
| GEICO | $129 |
| American Family | $131 |
| Bristol West | $136 |
| Mile Auto | $137 |
| Trexis | $169 |
| Mendota | $173 |
| Dairyland | $176 |
| Auto-Owners | $181 |
| Allstate | $195 |
| National General | $197 |
| Safeco | $198 |
| Direct Auto | $206 |
| Insurify Car | $209 |
| Farmers | $260 |
| Travelers | $262 |
| Liberty Mutual | $269 |
State Farm offers seniors in Longmont some of the cheapest liability-only car insurance, at an average of $38 per month. Senior drivers in Longmont pay an average of $75 per month for liability-only insurance.
At 18.6%, Longmont’s 65+ population is higher than the 17.1% state average, according to the U.S. Census Bureau. Drivers aged 70 and older had a crash fatality rate twice that of any other age group, according to Colorado State Patrol’s review of serious crash data from 2021 to 2024.[6]
Below, discover the cheapest liability car insurance rates for Longmont’s senior drivers.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $38 |
| Sun Coast | $45 |
| Progressive | $48 |
| The General | $49 |
| USAA | $50 |
| Mile Auto | $50 |
| American Family | $54 |
| GEICO | $54 |
| Root | $57 |
| Bristol West | $62 |
| Auto-Owners | $69 |
| Trexis | $74 |
| National General | $76 |
| Mendota | $76 |
| Safeco | $82 |
| Dairyland | $83 |
| Direct Auto | $84 |
| Allstate | $86 |
| Insurify Car | $92 |
| Travelers | $98 |
| Farmers | $100 |
| Liberty Mutual | $123 |
Answers to common questions can help you find the best car insurance in Longmont, whether you’re insuring your daily driver, a recreational vehicle, or a classic car.
Car insurance in Longmont, Colorado, costs an average of $144 per month. Longmont drivers pay an average of $93 per month for liability-only coverage and $194 per month for full coverage.
State Farm has some of the cheapest liability-only rates in Longmont, averaging $50 per month.
Factors such as your age, gender, and driving history help determine personal car insurance rates in Longmont. Adding collision coverage, comprehensive coverage, medical payments coverage, or uninsured motorist coverage also affects your insurance rate.
Bundling life insurance, renters insurance, or commercial insurance with a car insurance policy can unlock discounts. Longmont drivers can also lower their rates by choosing higher deductibles, driving a vehicle with advanced safety features, taking a defensive driving course, or enrolling in a telematics program.
Insurify data scientists analyzed more than 250 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 500+ 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:
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Rebecca Henderson is a freelance automotive and consumer content writer with more than a decade of experience creating research-driven, SEO-focused content. She specializes in automotive and home services, with additional experience writing about personal finance and pet care. Her work has been featured in USA Today, MarketWatch, This Old House, and Today’s Homeowner. She enjoys taking complicated topics — from car warranties and home repairs to insurance and everyday purchases — and breaking them down into clear, practical information that helps readers make confident decisions. When she’s not writing, Rebecca can usually be found baking something sweet, getting lost in a good book, or exploring new places.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
