Cheapest Auto Insurance in Longmont, Colorado (2024)

Longmont drivers will find the cheapest car insurance from State Farm, which offers liability coverage starting at $46 per month.

Erin Gobler
Written byErin Gobler
Erin Gobler
Erin Gobler
  • 5+ years of finance writing experience 

  • Certificate of financial planning from Boston University

Erin is a personal finance writer and journalist with work featured in major publications. Her writing explores investing, credit cards, mortgages, insurance, and more.

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Chris Schafer
Edited byChris Schafer
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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Updated February 29, 2024 at 11:00 AM PST

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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 $138. That’s lower than both the state and national averages of $145 and $156.

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.

Quick Facts
  • The average full-coverage insurance premium in Longmont is $197 per month, while the average liability insurance premium is $80 per month.

  • Longmont drivers pay lower insurance premiums than many other popular Colorado cities, including Aurora, Boulder, and Pueblo.

  • State Farm, USAA, and American Family are the cheapest car insurance companies in Longmont.

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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.5$99$48Customer satisfaction
American Family4.3$136$66Discounts
Sun CoastN/A$168$69Coverage options
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for customer satisfaction: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$46/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.
$94/mo

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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for discounts: American Family

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
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.
$63/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.
$129/mo

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

Prices are higher than expected.

Tyrone - October 9, 2023
Verified

They're OK but too expensive.

Sally - July 21, 2023
Verified

They are nice people to do business with, just kind of expensive

Pat - February 1, 2023
Verified
Read our American Family review

Best insurer for coverage options: Sun Coast

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
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).
Not rated
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.
$160/mo

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

Excellent.

chrystal - October 9, 2023
Verified
Read our Sun Coast review

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 $46 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 $80 per month, and you can see how quotes from different insurers stack up in the table below.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm46
USAA58
American Family63
State Auto66
Sun Coast66
GEICO69
Allstate70
Nationwide75
Safeco76
Progressive79
Auto-Owners81
The General84
Midvale Home & Auto94
Bristol West95
Dairyland96
Foremost102
Direct Auto110
Travelers114
Farmers119
Liberty Mutual131
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $197, and you can see the quotes from top insurers in the table below.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
State Farm94
USAA122
American Family129
GEICO144
Allstate146
Nationwide148
Safeco160
Sun Coast160
Progressive166
Auto-Owners168
Midvale Home & Auto176
Direct Auto185
Travelers196
Liberty Mutual218
Bristol West223
Dairyland236
The General237
State Auto241
Farmers247
Foremost291
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance pays for damage to your vehicle caused by an accident.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for damage to your vehicle caused by something other than an accident.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage pays for damage to your vehicle when the at-fault driver doesn’t have auto insurance.

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

    Roadside assistance coverage pays for roadside assistance services that could include jump-starts, tire changes, lock-outs, towing, and more.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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

  • illustration card https://a.storyblok.com/f/162273/150x150/d30b014346/states_colorado.svg

    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.

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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 $287 per month for full coverage and $116 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 are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm4659
USAA5875
American Family6383
State Auto6692
GEICO6990
Allstate7091
Nationwide7598
Safeco76107
Progressive79107
Auto-Owners81108
The General84113
Bristol West95126
Dairyland96129
Direct Auto110149
Travelers114151
Farmers119155
Liberty Mutual131183
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith Accident
State Farm4658
USAA5875
American Family6382
State Auto6694
GEICO6989
Allstate7090
Nationwide7597
Safeco76108
Progressive79106
Auto-Owners81106
The General84112
Bristol West95122
Dairyland96126
Direct Auto110148
Travelers114149
Farmers119153
Liberty Mutual131182
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyClean Driving RecordWith DUI
State Farm4671
USAA5890
American Family6398
State Auto66102
GEICO69107
Allstate70108
Nationwide75116
Safeco76118
Progressive79122
Auto-Owners81125
The General84130
Bristol West95147
Dairyland96149
Foremost102158
Direct Auto110153
Travelers114177
Farmers119184
Liberty Mutual131203
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $32.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyLiability OnlyFull Coverage
State Farm3265
USAA4287
American Family4491
GEICO49102
Nationwide5099
Progressive50106
Allstate51106
Auto-Owners57119
Safeco58122
The General63177
Bristol West68160
Dairyland70171
Direct Auto76128
Travelers80138
Farmers84173
Liberty Mutual96159
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $79 per month.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Insurance CompanyLiability OnlyFull Coverage
State Farm79162
USAA97203
American Family108221
GEICO110229
State Auto119435
Allstate124258
Nationwide129255
The General135382
Auto-Owners137283
Safeco137289
Progressive142299
Dairyland157386
Bristol West159374
Foremost184526
Direct Auto202340
Travelers207356
Farmers209434
Liberty Mutual225374
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Cheap Car Insurance in Longmont

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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.

Good to Know

A few states have passed legislation to prohibit insurance companies from using credit history as a determining factor in setting insurance premiums, and more are trying to do the same.

Colorado recently prohibited the use of external data that could result in unfair discrimination based on certain factors, but it hasn’t specifically addressed credit history. Therefore, insurance companies in Longmont can still take your credit into account when setting your insurance rates.[3]

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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $210 per month for full coverage and $103 for liability, Longmont drivers pay just $197 for full coverage and $80 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.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Aurora$103$247
Boulder$79$185
Colorado Springs$89$225
Denver$96$233
Westminster$92$204
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Longmont car insurance FAQs

Car insurance rates are already affordable in Longmont, but you can find information here to help you lower your rates even more.

  • How much is car insurance in Longmont?

    The average rate for car insurance in Longmont is $138 per month. The average rate for liability-only coverage is $80 per month, and the average rate for full coverage is $197 per month.

  • Who has the cheapest car insurance in Longmont?

    State Farm offers the cheapest car insurance in Longmont, with rates at $46 per month. USAA and American Family also offer cheap car insurance in the area, with monthly rates of $58 and $63, respectively.

  • What are the best car insurance companies in Longmont?

    State Farm, American Family, and Sun Coast rank as three of the top insurers in the area. State Farm and American Family are among the largest insurers in the country, and each is known for its financial stability and customer service. Sun Coast is a smaller insurer that offers customers options not found with larger insurers by canvassing a wide array of insurance options to help you find the best policy for you.

  • What factors affect car insurance rates in Longmont?

    Several factors affect your car insurance rates in Longmont, including your age, gender, marital status, credit, the make and model of your vehicle, and where you live. Some of these things are outside your control, but maintaining a clean driving record can have a big effect on the rates you pay.

  • How do you file a diminished-value claim in Longmont?

    You’re allowed to file a claim with your insurance company for its diminished value after an accident. This diminished value is the difference between the pre-accident value of your car and the post-accident, post-repair value. You’ll likely need to document your vehicle’s Kelley Blue Book value, and you should be ready to prove the diminished value via photos or other documentation.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds." Accessed December 5, 2023
  2. Colorado General Assembly. "Mandatory Automobile Insurance in Colorado." Accessed December 5, 2023
  3. National Conference of State Legislatures. "States Consider Limits on Insurers’ Use of Consumer Credit Info." Accessed December 5, 2023
Erin Gobler
Erin Gobler

Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.

Chris Schafer
Edited byChris SchaferSenior Editor
Chris Schafer
Chris SchaferSenior Editor
  • 15+ years in content creation

  • 7+ years in business and financial services content

Chris is a seasoned writer/editor with past experience across myriad industries, including insurance, SAS, finance, Medicare, logistics, marketing/advertising, and many more.

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