Cheap Auto Insurance Quotes in Longmont, CO (2023)

A short drive north from Boulder, Longmont is a picturesque city of just under 100,000 people. Beautiful in the summer and snowy in the winter, the city offers driving that most residents find fairly straightforward. Some surface streets become backed up during peak travel times, but overall, motorists here have few complaints. Even so, it’s wise to make sure you have proper car insurance coverage before you get behind the wheel.

Car Insurance in Longmont, CO

The average cost of Colorado car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Longmont, CO to find you the cheapest quotes in the area.

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• Cheap Car Insurance Colorado

• Compare Car Insurance

Cheapest Car Insurance in Longmont, CO

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Longmont, CO

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Longmont. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Colorado

Longmont Car Insurance Rates by Driver Age

It will be tough for even the most hardworking teenagers to squeak out a car insurance payment at $444 a month without a little help from mom and dad. In Longmont, prices go down as the number of years of experience increases. For this reason, twentysomethings lock in a $200 break from what the youngest drivers shell out. From then on, the rates continue to dive, with everyone above 30 beating the state average of $253 per month. Those in their 80s get the best deal, with a price that’s less than a third of what teen drivers pay.

Longmont Car Insurance Rates by Driving and Accident History

Coloradans know safe driving pays on and off the road. On top of peace of mind, people also receive “good driver” and “accident-free” discounts from their insurance companies. Why do drivers with a failure-to-stop violation pay the least, at $202? Often, drivers with violations strip down their policies, opting for liability only and skipping comprehensive and collision coverage. A speeding ticket bumps up the rate by $20 per month. Fortunately, three years of careful driving and a person’s record resets.

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• High-risk Car Insurance Colorado

• DUI Car Insurance Colorado

Longmont Car Insurance Rates by Credit Tier

How does managing credit relate to driving ability? In the Centennial State, insurance companies factor in credit when setting premiums. Generally, people with better credit pay less. But in Longmont, those with poor or average credit get a better deal than those with better credit. The reason is that people with better credit might finance costlier cars and buy more coverage to protect their assets. That said, the difference between average, good, and excellent credit is at most $12.

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Find local Longmont agents

Longmont, CO DMV Information

A short drive along Highway 287 is all it takes to complete your DMV tasks in Longmont. The Longmont Driver License Office is open Monday through Friday from 8 a.m. to 5 p.m. and often receives rave reviews for its efficiency. The Boulder County Clerk & Recorder Motor Vehicle Division operates on weekdays from 7:30 a.m. to 5 p.m., and the Colorado License Plate office is open on weekdays as well from 8 a.m. to 4:30 p.m.

Public Transportation in Longmont, CO

Longmont has worked hard to make its bus system one of the best in the area and offers a variety of routes. While most of the city can be reached in this way, it’s not always the best option for everyone. Those who prefer to travel in private often opt for a Lyft or Uber as walking or biking can be tough.

For more detailed Colorado city level guides, check out these below.

• Average Cost of Car Insurance Rates in Colorado

• DUI Car Insurance Rates in Colorado

• High-Risk Driver Car Insurance Rates in Colorado

• Colorado Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Colorado

• SR-22 Insurance in Colorado

How to get the best and cheapest car insurance in Longmont, CO

As Boulder becomes more and more popular, it’s only natural that Longmont will see an increase in residents as well as cars on the road. It’s important to give yourself plenty of time to reach your destination and become familiar with alternate routes to your most frequently visited places.

Car insurance doesn’t have to be expensive for Longmont residents when they use Insurify. After answering several simple questions, you can compare real-time quotes and enroll in the policy that best meets your driving and budgetary needs.