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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.
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.
Here are the cheapest carriers in Longmont for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 Allstate | $108/mo |
 The General | $150/mo |
 Nationwide | $158/mo |
 American Family | $191/mo |
 Travelers | $205/mo |
| Best Companies | ||
|---|---|---|
American Family | $205/mo | |
 Safeco | $227/mo | |
 Liberty Mutual | $242/mo | |
Travelers | $182/mo |
Colorado Cities | |
|---|---|
| Denver | $216/mo |
| Colorado Springs | $215/mo |
| Aurora | $228/mo |
| Fort Collins | $142/mo |
| Longmont | $162/mo |
| Colorado | $193/mo |
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Studies on the relationship between driver behavior and increasingly lax state laws on marijuana in Colorado have led to inconclusive results; however, marijuana-impaired highway deaths are reportedly in decline.
Colorado's minimum liability car insurance limits are as follows:
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.
| Driver's Age | |
|---|---|
| teens | $444 |
| 20s | $232 |
| 30s | $191 |
| 40s | $168 |
| 50s | $200 |
| 60s | $233 |
| 70s | $182 |
| 80s | $134 |
| Driving History | |
|---|---|
| No Violation | $220 |
| Speeding Ticket | $240 |
| At-Fault Accident | $227 |
| Failure to Stop for Red Light / Stop Sign | $202 |
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.
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.
| Credit Tie | |
|---|---|
| Excellent | $237 |
| Good | $242 |
| Average | $231 |
| Poor | $178 |
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.
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.
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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Longmont drivers measure up to their fellow Colorado motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Longmont drivers rank 15 in the number of car accidents per driver across all cities in Colorado.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Colorado, Longmont drivers rank 15 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Longmont drivers rank 5 in the number of DUI’s per driver across all cities in Colorado.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Longmont is the Ford F-Series Pickup.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Colorado, Longmont drivers rank 5 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Longmont drivers rank 10 in clean driving records across all cities in Colorado.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Longmont drivers rank 1 in failure to yield violations per driver across all cities in Colorado.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Colorado, Longmont drivers rank 17 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Longmont drivers rank 9 in hybrid and electric vehicle ownership across all cities in Colorado.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
