Cheap Auto Insurance Quotes in Longmont, CO (2021)

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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.

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.

Quotes by Top Carriers
Quotes ($/mo)
$108
$150
$158
$191
$205
AllstateThe GeneralNationwideAmerican FamilyTravelers
Monthly $

Cheapest Car Insurance in Longmont, CO

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.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Longmont. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$193
$216
$215
$228
$142
$162
ColoradoDenverColorado SpringsAuroraFort CollinsLongmont
Monthly $

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Longmont, CO Driving Facts

colorado

Minimum Car Insurance Requirements in CO

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:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

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.

Driving History
No Violation$220
Speeding Ticket$240
At-Fault Accident$227
Failure to Stop for Red Light / Stop Sign$202

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.

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.

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.

Conclusion: 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.

Find local Longmont agents

Parker Douglas - Longmont
1630 Main Street #203, Longmont, CO 80501
Adams Insurance Advisors
10 Ken Pratt Blvd, Longmont, CO 80501
BSH Insurance Agency Inc. - Longmont
5019 Mountain View Ave, Longmont, CO 80501
Flores Insurance Agency
809 Main St, Longmont, CO 805014922
Larry Roe Agency
829 Main St., Ste 2, Longmont, CO 80501
CoWest of the Front Range
637 Kimbark St, Longmont, CO 80501
RWR West Inc
437 Main Street, Longmont, CO 80501
Mary Lou Agency, Inc.
255 Weaver Park Rd Ste 203, Longmont, CO 80501
Haddock Insurance, A Division of Lakeside Insurance
500 Coffman Street, Longmont, CO 80501
True North Companies Insurance & Financial Services
275 S Main St Ste 100, Longmont, CO 80501-6461

Insurify Insights: How Longmont Drivers Measure Up

ford
Ford F-Series Pickup
Most Popular Car in
Longmont, CO
suspended licenses
#9
Cities with Most
Suspended Licenses Rank

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.

Accidents Longmont

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.

  • Rank within state: #15
  • Percent of drivers in Longmont with an accident: 10.52%
  • Drivers in Longmont, CO with an accident in their driving history paid on average 15.7% more than drivers with a clean record

Speeding Longmont

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.

  • Rank within state: #15
  • Percent of drivers in Longmont with a speeding ticket: 12.86%
  • Drivers in Longmont, CO with a speeding ticket in their driving history paid on average 29.65% more than drivers with a clean record

DUI/DWIs Longmont

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.

  • Rank within state: #5
  • Percent of drivers in Longmont with a DUI: 3.51%
  • Drivers in Longmont, CO with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Longmont

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.

Rude Longmont

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.

  • Rank within state: #5
  • Percent of drivers in Longmont with a reckless driving violation: 3.72%
  • Drivers in Longmont, CO with a reckless driving violation in their driving history paid on average 19.77% more than drivers with a clean record.

Safest Drivers Longmont

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.

  • Rank within state: #10
  • Percent of drivers in Longmont with clean record: 74.6%

Failure to Yield the Right of Way Longmont

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.

  • Rank within state: #1
  • Percent of drivers in Longmont with a failure to yield violation: 1.06%
  • Drivers in Longmont, CO with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Longmont

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.

  • Rank within state: #17
  • Percent of drivers in Longmont with a reckless driving offense: --%

Hybrid/Electric Vehicle Ownership Longmont

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.

  • Rank within state: #9
  • Percent of drivers in Longmont with a hybrid/electric vehicle: 1.59%

FAQs - Longmont, CO Car Insurance

Is car insurance in Longmont expensive?

Motorists here find that they pay almost exactly the national average for their auto coverage, although your individual premium will vary based on your driving history and the level of protection you enroll in.

If I’m involved in an accident in Longmont, who is responsible for damages?

Colorado is considered an at-fault state, so the individual who is responsible for the accident will need to exhaust their insurance benefits first. Even the most careful drivers can find that they cause a collision, so it’s crucial that you enroll in adequate insurance coverage.

Where can I find cheap car insurance in Longmont?

You can enroll in the best policy for your driving needs by using Insurify. Simply answer a few questions to compare prices from top insurance companies with ease. Now, you can save time and money with Insurify!

Insurify Rate Comparison Methodology

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.