Cheapest Auto Insurance in Longmont, Colorado (2024)

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 $137. That’s lower than both the state and national averages of $148 and $158.

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.

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.

Best insurer for customer satisfaction: State Farm

Best insurer for discounts: American Family

Best insurer for coverage options: Sun Coast

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.

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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 $81 per month, and you can see how quotes from different insurers stack up in the table below.

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 $194, and you can see the quotes from top insurers in the table below.

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]

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:

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  Collision coverage

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

• 

  Comprehensive coverage

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

• 

  Uninsured/underinsured motorist coverage

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

• 

  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.

• 

  Roadside assistance coverage

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

• 

  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

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  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 $286 per month for full coverage and $119 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.

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.

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.

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 $30.

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 $76 per month.

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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.

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.

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 $213 per month for full coverage and $104 for liability, Longmont drivers pay just $194 for full coverage and $81 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.

Longmont car insurance FAQs