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3 años de experiencia en redacción de contenidos
Artículos en destacadas publicaciones financieras
Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.
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Licensed auto and home insurance agent
4+ years in content creation and marketing
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
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Drivers in Loveland pay $136 per month for car insurance, compared to the state average of $158 and the national average of $152.
Loveland’s affordable car insurance can be partially attributed to its small population. Densely populated cities in Colorado, like Fort Collins and Denver, experience accidents at a higher rate. If you want to save even more on car insurance, take the time to compare car insurance quotes from multiple insurance companies before buying a policy.[1]
State Farm, USAA, and American Family are the cheapest car insurance companies for Loveland drivers.
Loveland drivers pay an average of $90 per month for liability-only insurance and $181 per month for full-coverage insurance.
Colorado is an at-fault state for car insurance, meaning the driver responsible for the incident must pay for the damages.[2]
3 of the cheapest car insurance companies in Loveland
The best insurance company depends on your needs, situation, and budget. However, State Farm, USAA, and American Family offer some of the best affordable car insurance for Loveland drivers. Check out the table below to see how they stack up.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
---|---|---|---|---|
State Farm | 9.3 | $96 | $46 | Affordability |
USAA | 9.4 | $123 | $59 | Active military, veterans, and their families |
American Family | 9.1 | $132 | $63 | High-risk drivers |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for affordability: State Farm
User Reviews | 4.2 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
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. | $40/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. | $83/mo |
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Cheryl
February 19, 2025
Average
Lisa
February 18, 2025
My premium increased by $20 monthly without any explanation. I have been a customer for more than 20 years and still have difficulty getting my questions answered.
Mikla
February 18, 2025
Mikla & Sam's Quote
You may be interested in State Farm for its affordability and stellar company reputation.[3] State Farm has excellent customer service, receiving some of the highest marks in J.D. Power’s customer and claims satisfaction survey. It also earned superior ratings for financial strength from AM Best.[4]
Nationwide availability
Offers rideshare insurance
Limited discounts
Doesn’t offer gap insurance or accident forgiveness
Best insurer for active military, veterans, and their families: USAA
User Reviews | 4.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
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. | $51/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. | $106/mo |
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
Charles
February 19, 2025
Best Insurance Company: USAA
Wendy
February 18, 2025
Expensive
Joseph
February 17, 2025
Your Best Bet
Colorado is home to more than 140,000 active-duty military members, veterans, and their immediate family members.[5] Local families in the armed forces can turn to USAA for its affordable premiums and unique financial services.
SafePilot program gives you savings of up to 30% for safe driving
High marks in J.D. Power’s claim and customer satisfaction studies
Only available to military-affiliated members
Doesn’t offer gap insurance
Best insurer for high-risk drivers: American Family
User Reviews | 4.5 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
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. | $54/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. | $114/mo |
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
Michael
January 17, 2025
Feeling Misled
Candace
January 13, 2025
Ok
Chris
January 6, 2025
Excellent
The state of Colorado reported more than 13,000 cases of impaired driving in 2023.[6] An incident on your driving record, such as driving under the influence (DUI), can cause your insurance premiums to spike. American Family offers SR-22 filings and an array of discounts for high-risk drivers to secure a competitive price.
Rated high for claims satisfaction by J.D. Power
Variety of discounts and coverage options
Available in only 18 states
Mediocre mobile app ratings
How to get the cheapest car insurance in Loveland
Insurers look at various factors to determine car insurance rates, such as age and gender, driving history, vehicle type, and more. The good news is that you have several ways to find the right coverage for the best deal.
Here’s how to snag the most affordable options for car insurance:
Shop around. It’s important to compare prices from multiple companies to find the best rates. The Insurance Information Institute recommends gathering and comparing quotes from at least three insurance companies.[7] You can also use a comparison tool from an independent insurance agency to obtain multiple quotes simultaneously.
Keep a clean driving record. Safe drivers pay significantly lower rates than drivers with incidents on their record. If you have a less-than-perfect driving record, taking a defensive driving course is a good idea. It’ll help improve traffic safety knowledge, keep points off your license, and potentially score you a discount.
Seek discounts. Stacking discounts is a great way to reduce your insurance bill. Visit your insurance company’s website or speak to your insurance agent to see if you qualify for new discounts.
Bundle insurance products. Save on your car insurance policy by purchasing multiple insurance products from one company, like your home insurance or life insurance policy.
Cheapest liability-only car insurance in Loveland: State Farm
If you’re at fault in an accident, your liability-only car insurance will cover the other party’s medical bills and vehicle repairs. However, it won’t pay for yours. For that, you’ll need full coverage.
State Farm offers the cheapest liability-only policies in Loveland, at $40 per month. The table below illustrates companies that offer liability-only policies with budget-friendly prices.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $40 |
USAA | $51 |
American Family | $54 |
GEICO | $60 |
Allstate | $61 |
Nationwide | $65 |
Root | $65 |
Sun Coast | $67 |
Progressive | $69 |
Auto-Owners | $70 |
The General | $77 |
Bristol West | $79 |
Safeco | $96 |
Foremost | $97 |
Travelers | $98 |
Dairyland | $102 |
Farmers | $102 |
Direct Auto | $110 |
National General | $127 |
Liberty Mutual | $179 |
Cheapest full-coverage car insurance in Loveland: State Farm
While liability-only insurance pays for the other party’s vehicle repairs, full-coverage car insurance also covers your own. Loveland drivers who may benefit from a full-coverage policy include those who drive regularly, owners of classic or new cars, and drivers who can’t afford to pay for damages out of pocket.
Drivers can find the cheapest full-coverage insurance with State Farm, with rates of $83 per month. The table below illustrates other insurance companies with the cheapest full-coverage insurance in Loveland.
Insurance Company ▲▼ | Average Monthly Quote |
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