120+ more*Quotes generated for Insurify users in and around Loveland, Colorado within the last 10 days. Last updated on October 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Loveland, Colorado within the last 10 days. Last updated on October 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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10+ years editing experience
Published in U.S. News and World Report, Newsweek, and the Wall Street Journal
Mary is a freelance writer and researcher specializing in insurance and other personal finance topics for consumers.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
Updated
The average cost of car insurance in Loveland, Colorado, is $124 per month. Liability-only coverage averages $84 per month, and full-coverage car insurance costs an average of $163 per month.
Loveland car insurance rates are comparable to those in neighboring Fort Collins, even though Fort Collins’ population is twice as large. Fort Collins drivers pay a monthly average of $82 for liability-only coverage and $177 for full coverage.
Prices in Loveland are cheaper than in nearby Longmont, where liability-only coverage averages $93 per month and full coverage averages $194 per month. Loveland has a lower population than both of these Colorado cities, which may contribute to its rates.
Drivers in Loveland pay an average of $84 per month for liability-only car insurance, compared to the state average of $97 per month. The company with the cheapest liability-only rates in Loveland is State Farm, with an average monthly rate of $43.
To comply with Colorado state law, drivers in Loveland must carry at least state-minimum liability coverage:[1]
$25,000 per person in bodily injury liability
$50,000 per accident in bodily injury liability
$15,000 in property damage liability
The following table shows the cheapest liability-only car insurance rates in Loveland.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $43 |
| Sun Coast | $48 |
| Progressive | $51 |
| The General | $51 |
| Root | $55 |
| USAA | $55 |
| Mile Auto | $58 |
| American Family | $60 |
| GEICO | $61 |
| Bristol West | $66 |
| Auto-Owners | $77 |
| Trexis | $79 |
| Mendota | $81 |
| Safeco | $84 |
| National General | $86 |
| Dairyland | $88 |
| Allstate | $92 |
| Direct Auto | $92 |
| Insurify Car | $98 |
| Travelers | $109 |
| Farmers | $113 |
| Liberty Mutual | $133 |
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The cheapest insurer for full-coverage car insurance in Loveland is State Farm, with an average monthly rate of $98. That’s much cheaper than the average Loveland rate for full coverage, which is $163.
Drivers in Grand Junction pay an average of $141 per month for full coverage, while those in Denver pay an average of $225 per month. The statewide average full-coverage rate is $217 per month.
Many Loveland drivers may benefit from choosing full-coverage car insurance. Larimer County faces a very high risk of wildfires and hailstorms, and a full-coverage policy covers damage from both.
The table below shows the cheapest rates for full-coverage car insurance in Loveland.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $98 |
| Progressive | $109 |
| Root | $122 |
| USAA | $126 |
| American Family | $135 |
| GEICO | $139 |
| Mile Auto | $145 |
| Bristol West | $148 |
| Safeco | $151 |
| The General | $158 |
| Sun Coast | $169 |
| Auto-Owners | $175 |
| Allstate | $187 |
| National General | $194 |
| Dairyland | $201 |
| Mendota | $201 |
| Direct Auto | $204 |
| Trexis | $212 |
| Liberty Mutual | $230 |
| Travelers | $246 |
| Farmers | $257 |
Loveland’s average car insurance rate is on the low side for Colorado. The state average is $157 per month compared to $124 in Loveland.
Grand Junction is among the cheapest cities in Colorado for car insurance, with monthly rates averaging $106.
Aurora’s average rates are among the highest in Colorado, averaging $183 per month.
Loveland’s smaller population and lower population density contribute to its rates. The city has 81,387 residents compared to Grand Junction’s 71,827 and Aurora’s 410,053, according to U.S. Census Bureau data.[2]
The following table shows the average monthly car insurance rates in various Colorado cities.
City | Average Monthly Quote |
|---|---|
| Grand Junction | $106 |
| Fort Collins | $130 |
| Boulder | $136 |
| Greeley | $136 |
| Longmont | $144 |
| Arvada | $147 |
| Castle Rock | $148 |
| Pueblo | $152 |
| Broomfield | $158 |
| Westminster | $158 |
| Parker | $159 |
| Colorado Springs | $161 |
| Commerce City | $162 |
| Denver | $169 |
| Englewood | $171 |
| Aurora | $183 |
*Quotes generated for Insurify users in and around Loveland, Colorado within the last 10 days. Last updated on October 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Loveland, Colorado within the last 10 days. Last updated on October 21, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Your Colorado driving record affects the car insurance rates you receive. Drivers with a clean record typically pay lower rates compared with drivers who have a speeding ticket, at-fault accident, or driving under the influence (DUI) conviction.
Below are the insurers with the cheapest liability-only rates in Loveland based on driving history:
Cheapest car insurance for Loveland drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Loveland: State Farm
Cheapest car insurance for Loveland drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Loveland: State Farm
In Loveland, 5.7% of drivers have a speeding ticket and 4.6% have an at-fault accident on their record, according to Insurify data. Colorado is an at-fault state, which means the driver who caused the accident is financially responsible for the damages.
About 1.4% of drivers in Loveland have a DUI conviction, according to Insurify. Insurers view people with incidents as high-risk drivers and typically charge them higher rates.
Larimer County has strict DUI enforcement. The Sheriff’s Office Traffic Safety Unit works in partnership with several other Northern Colorado law enforcement agencies to help reduce fatal auto accidents related to impaired driving.[3]
The table below shows average car insurance rates in Loveland according to driving record.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $124 |
| Speeding ticket | $161 |
| At-fault accident | $166 |
| DUI | $173 |
Loveland is situated along Colorado’s Front Range, near U.S. Highway 34 and Interstate 25. The city sees an average of 1,700 crashes on its roadways each year, with about 120 resulting in serious injury or death, according to the city of Loveland.[4]
Loveland’s population has grown by about 22% over the past 15 years. Drivers in Loveland can expect plenty of road construction as the city works to improve and expand local roadways to keep up with traffic volume.
The city’s Street Maintenance and Rehabilitation Program (SMRP) is an ongoing effort to extend the life and enhance the safety of nearly 9 million square yards of pavement throughout the city.
During winter, snowfall can make driving through Loveland trickier, although city crews aim to clear the main roadways quickly after winter storms. Loveland receives an average of 40 inches of snow annually.
Drivers in Loveland should use caution at heavily traveled intersections in town, such as U.S. 34 and U.S. 287, where the city has analyzed extensive crash data to address collision risk.[5]
Many drivers also choose to avoid the busy Eisenhower/Madison and Eisenhower/Boise intersections. Locals say they are confusing to navigate and have poor signage.
The average commute time in Loveland is 26.2 minutes, longer than Fort Collins’ 19.5 minutes. Longer travel times and busy roads increase the risk of an accident and contribute to the city’s car insurance rates.
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The cheapest insurer for teenagers in Loveland is State Farm, with an average monthly rate of $83 for liability-only insurance. Teens in Loveland pay an average monthly rate of $155 for liability insurance.
Teens in Loveland, as in the rest of Colorado, can receive their learner’s permit at age 15 and a half and their driver’s license at age 16.
Check out the table below for the cheapest rates for teenage drivers in Loveland.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $83 |
| Root | $83 |
| Sun Coast | $88 |
| The General | $92 |
| Progressive | $94 |
| USAA | $100 |
| GEICO | $111 |
| American Family | $113 |
| Bristol West | $117 |
| Mile Auto | $119 |
| Trexis | $146 |
| Mendota | $149 |
| Dairyland | $152 |
| Auto-Owners | $155 |
| Allstate | $170 |
| National General | $170 |
| Safeco | $172 |
| Direct Auto | $179 |
| Insurify Car | $181 |
| Farmers | $225 |
| Travelers | $225 |
| Liberty Mutual | $233 |
More than 1 in 5 residents in Loveland are older than 65, according to data from the U.S. Census Bureau.
Senior drivers in Loveland can find the cheapest average rates with State Farm. Liability-only coverage costs an average of $68 per month for drivers in their 60s, according to Insurify data.
The table below shows the cheapest rates for senior drivers in Loveland.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $33 |
| Sun Coast | $39 |
| Progressive | $41 |
| The General | $42 |
| USAA | $43 |
| Mile Auto | $44 |
| American Family | $46 |
| GEICO | $47 |
| Root | $49 |
| Bristol West | $53 |
| Auto-Owners | $59 |
| Trexis | $64 |
| National General | $65 |
| Mendota | $66 |
| Safeco | $71 |
| Dairyland | $72 |
| Direct Auto | $73 |
| Allstate | $74 |
| Insurify Car | $79 |
| Travelers | $84 |
| Farmers | $86 |
| Liberty Mutual | $106 |
See the answers to frequently asked questions about car insurance in Loveland to help you find the best car insurance for your needs.
The average cost of car insurance in Loveland is $124 per month. Drivers pay an average of $84 per month for liability-only coverage and $163 per month for full coverage.
State Farm has some of the cheapest car insurance rates in Loveland for many different types of drivers, including teens, seniors, and people with an incident on their driving record. Average rates from Travelers are among the highest, and Progressive’s rates are about in the middle.
Car insurance rates can vary widely from one insurer to the next. One of the best ways to find competitive rates is to get a quote from several different insurance companies.
Loveland faces an elevated risk of wildfires and hail, which can drive rates higher. But its smaller population helps keep rates on the lower side for Colorado.
Yes. Loveland drivers can save by bundling auto insurance with homeowners insurance, renters insurance, condo insurance, or life insurance. Many insurers also offer good student discounts, defensive driver discounts, and discounts for low-mileage drivers. Maintaining a clean driving history and choosing higher deductibles can also help you find a competitive price.
Insurify data scientists analyzed more than 250 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 500+ 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:
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10+ years editing experience
Published in U.S. News and World Report, Newsweek, and the Wall Street Journal
Mary is a freelance writer and researcher specializing in insurance and other personal finance topics for consumers.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
25 years teaching risk management and insurance course
Former commercial lines underwriter
David is the managing director of the Brantley Risk and Insurance Center. He has been quoted by The New York Times and CNN.
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.
