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How much is car insurance in Longmont?
|Area||Average Monthly Car Insurance Premium|
Based on the above chart, auto insurance policies in Longmont are about $8 a month cheaper than in the rest of Colorado.
Drivers relocating from out of state may enjoy some cost savings in Longmont. On average, it's about $17 less to insure your vehicle in Longmont than it is in the rest of the U.S.
While these are the average costs to insure your vehicle in Longmont, keep in mind that you could end up paying a different amount. The amount that insurance companies end up charging you is determined by a number of factors. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't worry, we've done the work for you and broken down the average rates for Longmont to help you understand what your monthly premium might be. And if you're not sure that you're paying the lowest option, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads, right? That experience can lead to some serious savings when it comes to car insurance bills. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
For every ten years older you get, you can expect to see a drop in your monthly premium. Drivers in Longmont may see their rates begin to increase again once they hit retirement.
Average Car Insurance Rates by Gender
Although female drivers pay, on average, less than male drivers for auto insurance coverage, Longmont actually goes against the grain. While female drivers pay $66 a month for insurance coverage, males only pay about $61.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Longmont with a single accident will pay around $90 a month. In addition, drivers with one ticket can expect to pay around $76 a month on average.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. So, if you're looking for cheap car insurance, drive carefully and keep a clean record.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$63|
|15 Years or Older||$64|
As you can see in the first table above, the cheapest vehicles to insure in Longmont are usually trucks and vans, which run about $59 per month.
SUV drivers will see rates of about $61 for auto insurance, while car owners by and large pay around $66 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Longmont, the most expensive vehicles to insure are vehicles eleven-to-fourteen years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$67|
On average, married policyholders will pay slightly less for car insurance. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Longmont reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $10 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$83|
Another factor that comes into play is your housing situation. Renters can expect to pay around $5 a month more than drivers who own property in Longmont. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Longmont, CO
Recent trends in car insurance for Longmont drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.
In Longmont, car insurance rates dropped from 2017-2018, when they reached a low of $55. This trend leveled out in 2021, when they began to increase, and have continued to do so through 2022, when rates hit a high of $85 a month.
How does Longmont compare to neighboring areas?
Why are car insurance rates in Longmont different from other areas?
Car insurance companies will take into account many factors when figuring out how much to charge for a policy. While we already mentioned the ones that affect your personal policy, others are influenced by where you park your car. These include things like:
- Road Safety (frequency of local car accidents)
- Availability of off-street parking
- Local regulations
- Crime levels
- Total amount of drivers in the community
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Longmont?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
But wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions about your driving profile, and you'll be comparing the cheapest quotes from a number of the car insurance companies providing coverage in Longmont.
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Longmont Insurance FAQs
What factors affect car insurance quotes in Longmont?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Longmont different from other neighboring cities?
Parking situations, crime rates, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Longmont?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Longmont?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Longmont or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?
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