Cheapest Auto Insurance in Longmont, Colorado (2024)

State Farm offers the cheapest car insurance in Longmont, with minimum-coverage policies as low as $44 per month.

Erin Gobler
Escrito porErin Gobler
Erin Gobler
Erin Gobler
  • Más de 5 años de experiencia en redacción financiera 

  • Certificado de planificación financiera por la Universidad de Boston

Erin es escritora y periodista especializada en finanzas personales. Sus artículos exploran inversiones, tarjetas de crédito, hipotecas, seguros y mucho más.

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Actualizado el 2 de mayo de 2024

Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717

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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.

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Las tarifas más baratas encontradas recientemente en Colorado

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $47/mes para solo responsabilidad y $124/mes para cobertura total en Colorado.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 2 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 2 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

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 $149 and $159.

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.

Datos Breves
  • The average full-coverage insurance premium in Longmont is $194 per month, while the average liability insurance premium is $81 per month.

  • Longmont drivers pay lower insurance premiums than many other popular Colorado cities, including Aurora, Boulder, and Pueblo.

  • State Farm, USAA, and American Family are the cheapest car insurance companies in Longmont.

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.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.5$98$47Customer satisfaction
American Family4.3$135$65Discounts
Sun CoastN/A$171$69Coverage options
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
  • El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.

    Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.

Best insurer for customer satisfaction: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$44/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.
$90/mo

State Farm is one of the top auto insurance companies in the country. It consistently offers affordable rates, including cheap car insurance premiums for Longmont drivers. State Farm also has the top-rated overall customer service in the region, according to J.D. Power.[1] Finally, while State Farm doesn’t have as many savings opportunities as some competitors, it does have the Drive Safe & Save program, which allows you to save when you drive safely.

Ventajas
  • Top J.D. Power customer satisfaction rating in the Southwest region

  • Cheap premiums for Longmont drivers

  • Usage-based savings program

Contras
  • No gap insurance

  • Higher rates for drivers with spotty records

  • Fewer discounts than top competitors

Read our State Farm review
Walters - April 25, 2024
Verified

Good

I had a good relationship with them until my bank messed up. I didn't receive the cancellation notice until it was already too late.

Wanda Carole - April 22, 2024
Verified

Excellent

Check out other companies and their rates before making a decision.

Perry - April 22, 2024
Verified

Pricing

Be careful of the price quoted. It can change.

Best insurer for discounts: American Family

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
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.
$61/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.
$124/mo

American Family is a great option if saving is your top priority. Not only does American Family have some of the best rates for Longmont drivers, but it also has more discounts than nearly any other car insurance company. Among those discounts are its usage-based programs, which allow you to save for either driving safely or driving fewer miles.

Ventajas
  • Large number of discounts

  • Above-average J.D. Power customer satisfaction rating in the Southwest region

  • Multiple usage-based savings programs

Contras
  • Lower AM Best financial strength rating than some competitors

  • Below-average J.D. Power digital experience rating

  • Not available in all states

Read our American Family review
Keith - April 12, 2024
Verified

Horrible

They are uncaring, overpriced, and rude.

Hugh - April 1, 2024
Verified

Excellent

It was good for several years, then the price went up.

David - March 28, 2024
Verified

Horrible

They increase your policy's cost double even without any accidents or tickets.

Best insurer for coverage options: Sun Coast

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from aaa (exceptional) to c (poor).
Not rated
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.
$64/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.
$157/mo

Sun Coast is unique because it offers auto insurance policies from a variety of different insurers. This means that when you request a quote, you’ll be presented with a wider variety of coverage options. Sun Coast offers some of the cheapest policies for Longmont drivers, as well as a network of more than 3,500 local independent agents to provide personalized service.

Ventajas
  • Provides quotes and policies from multiple insurers

  • Offers coverage for travel to Mexico

  • Network of 3,500 local agents

Contras
  • Lack of website transparency

  • Few customer reviews available

  • Fewer coverage and discount options than competitors

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.

Find Cheap Car Insurance in Longmont, Colorado

Liability rates start at $44 per month

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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.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyAverage Monthly Quote
State Farm44
USAA56
American Family61
Sun Coast64
GEICO68
State Auto68
Allstate69
Safeco72
Nationwide73
Progressive77
Auto-Owners79
The General81
Midvale Home & Auto91
Bristol West93
Dairyland94
Foremost105
Direct Auto108
Travelers111
Farmers116
Liberty Mutual128
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyAverage Monthly Quote
State Farm90
USAA117
American Family124
GEICO138
Allstate140
Nationwide142
Safeco154
Sun Coast157
Progressive158
Auto-Owners161
Midvale Home & Auto169
Travelers183
Direct Auto205
Liberty Mutual212
Bristol West218
State Auto230
Dairyland232
The General232
Farmers237
Foremost293
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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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]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$15,000 per accident

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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    Roadside assistance coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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

  • illustration card https://a.storyblok.com/f/162273/150x150/d30b014346/states_colorado.svg

    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.

Shop for Car Insurance in Longmont, CO

Monthly rates start at $53 for drivers with an incident

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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.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm4457
USAA5673
American Family6181
GEICO6889
Allstate6990
Safeco72102
Nationwide7397
Progressive77104
Auto-Owners79107
The General81110
Bristol West93124
Dairyland94127
Direct Auto108146
Travelers111148
Farmers116152
Liberty Mutual128180
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyClean Driving RecordWith Accident
State Farm4457
USAA5674
American Family6181
GEICO6890
Allstate6991
Safeco72103
Nationwide7397
Progressive77105
Auto-Owners79105
The General81110
Bristol West93123
Dairyland94126
Direct Auto108147
Travelers111148
Farmers116153
Liberty Mutual128181
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyClean Driving RecordWith DUI
State Farm4469
USAA5688
American Family6196
GEICO68107
Allstate69109
Safeco72113
Nationwide73115
Progressive77121
Auto-Owners79124
The General81127
Bristol West93146
Dairyland94148
Foremost105165
Direct Auto108170
Travelers111175
Farmers116182
Liberty Mutual128201
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $31.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyLiability OnlyFull Coverage
State Farm3163
USAA4084
American Family4387
GEICO4998
Nationwide4996
Progressive49101
Allstate50102
Safeco55119
Auto-Owners56115
The General59170
Bristol West67157
Dairyland68169
Direct Auto75142
Travelers79130
Farmers82167
Liberty Mutual95157
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $77 per month.

The below rates are estimated rates current as of: miércoles, 1 de mayo, 0:00 p. m. GMT-7
Insurance CompanyLiability OnlyFull Coverage
State Farm77157
USAA94196
American Family105214
GEICO109221
Allstate123250
Nationwide127247
Safeco130278
The General132377
Auto-Owners133272
Progressive140287
Dairyland155382
Bristol West157368
Foremost190529
Direct Auto200379
Travelers203335
Farmers205419
Liberty Mutual219362
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Find Cheap Car Insurance in Longmont

Check quotes from 100+ top insurance companies

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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.

Good to Know

A few states have passed legislation to prohibit insurance companies from using credit history as a determining factor in setting insurance premiums, and more are trying to do the same.

Colorado recently prohibited the use of external data that could result in unfair discrimination based on certain factors, but it hasn’t specifically addressed credit history. Therefore, insurance companies in Longmont can still take your credit into account when setting your insurance rates.[3]

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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $214 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.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Aurora$105$248
Boulder$78$188
Colorado Springs$90$230
Denver$96$236
Westminster$91$209
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Longmont car insurance FAQs

Car insurance rates are already affordable in Longmont, but you can find information here to help you lower your rates even more.

  • How much is car insurance in Longmont?

    The average rate for car insurance in Longmont is $137 per month. The average rate for liability-only coverage is $81 per month, and the average rate for full coverage is $194 per month.

  • Who has the cheapest car insurance in Longmont?

    State Farm offers the cheapest car insurance in Longmont, with rates at $44 per month. USAA and American Family also offer cheap car insurance in the area, with monthly rates of $56 and $61, respectively.

  • What are the best car insurance companies in Longmont?

    State Farm, American Family, and Sun Coast rank as three of the top insurers in the area. State Farm and American Family are among the largest insurers in the country, and each is known for its financial stability and customer service. Sun Coast is a smaller insurer that offers customers options not found with larger insurers by canvassing a wide array of insurance options to help you find the best policy for you.

  • What factors affect car insurance rates in Longmont?

    Several factors affect your car insurance rates in Longmont, including your age, gender, marital status, credit, the make and model of your vehicle, and where you live. Some of these things are outside your control, but maintaining a clean driving record can have a big effect on the rates you pay.

  • How do you file a diminished-value claim in Longmont?

    You’re allowed to file a claim with your insurance company for its diminished value after an accident. This diminished value is the difference between the pre-accident value of your car and the post-accident, post-repair value. You’ll likely need to document your vehicle’s Kelley Blue Book value, and you should be ready to prove the diminished value via photos or other documentation.

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

Sources

  1. J.D. Power. "Auto Insurance Customer Satisfaction Plummets as Rates Continue to Surge, J.D. Power Finds."
  2. Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
  3. National Conference of State Legislatures. "States Consider Limits on Insurers’ Use of Consumer Credit Info."
Erin Gobler
Erin Gobler

Erin Gobler es una escritora y periodista especializada en finanzas personales basada en Madison, Wisconsin. Con más de cinco años de experiencia, Erin ha cubierto temas como inversiones, tarjetas de crédito, hipotecas, seguros y mucho más. Su trabajo ha aparecido en publicaciones importantes como Business Insider, Fox Business y Time. Erin recibió su bachillerato de la Universidad de Wisconsin-Oshkosh en 2013, estudiando periodismo y ciencias políticas. También recibió un certificado de planificación financiera de la Universidad de Boston en 2022.

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