Cheap Auto Insurance Quotes in Longmont, CO (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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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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

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Longmont, CO Driving Facts

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
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.

Driver's AgeAvg. Monthly Cost
teens$444
20s$232
30s$191
40s$168
50s$200
60s$233
70s$182
80s$134
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$237
Good$242
Average$231
Poor$178

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Longmont stacks up for the state of Colorado:

ford
Ford F-Series Pickup
Most Popular Car in
Longmont, CO
suspended licenses
#8
Cities with Most
Suspended Licenses Rank

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!