Determining which company offers the lowest-priced auto insurance rates in Longmont will involve more time in order to find the lowest price quote. Each insurance company has their own process for establishing rates, so let's take a look at the most competitive auto insurance companies in Longmont.

It's important that readers know that Colorado auto insurance rates are impacted by many things that will increase or decrease the price of your policy. Simply getting older, buying another vehicle, or having an accident can trigger price changes that can now make some companies more affordable than before.

Cheapest Colorado auto insurance companies
Rank Company Cost Per Year
1 The Hartford $834
2 Grange $958
3 USAA $999
4 Nationwide $1,155
5 Travelers $1,183
6 GEICO $1,187
7 Auto-Owners $1,192
8 State Farm $1,246
9 American Family $1,314
10 Progressive $1,322
11 Amica $1,394
12 Allied $1,453
13 California Casualty $1,458
14 Colorado Farm Bureau $1,624
15 Farmers $1,629
16 MetLife $1,811
17 Allstate $1,994
18 Encompass $2,165
19 Safeco $2,522
20 Titan $2,630
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The Hartford may have some of the best car insurance rates in Longmont at around $834 per year. This is $744 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Travelers are also some of the cheaper Longmont, CO insurance companies.

In this example, if you buy coverage from Travelers and switched to Grange, you might realize an annual premium reduction of in the neighborhood of $225. Drivers with GEICO may save as much as $229 a year, and Auto-Owners customers might see rate reductions of $234 a year.

To find out how much you can save, click here to start your free quote or quote prices from the following companies.

Bear in mind that those policy rates are averages across all insureds and vehicles and do not take into consideration a specific vehicle garaging location in Longmont. So the auto insurance company that can offer you the best price may not even be in the top 21 companies in the list above. That helps illustrate why you need to get rate quotes using your own personal information and vehicle type.

One of the more important criteria that determine the price you pay for insurance is where you call home. Areas with a lot of weather claims or more people tend to pay slightly more, whereas more rural areas profit from lower rates.

The table below shows the priciest cities in Colorado in which to buy car insurance. Longmont makes the list at #21 with the annual price of $1,144 for the average policy, which is around $95 per month.

How much is car insurance in Longmont?
Rank City Annual Rate
1 Pueblo $1,397
2 Denver $1,383
3 Aurora $1,361
4 Commerce City $1,354
5 Lakewood $1,337
6 Colorado Springs $1,329
7 Ken Caryl $1,326
8 Centennial $1,317
9 Littleton $1,306
10 Security-Widefield $1,304
11 Northglenn $1,290
12 Brighton $1,273
13 Westminster $1,272
14 Thornton $1,268
15 Highlands Ranch $1,267
16 Arvada $1,256
17 Castle Rock $1,224
18 Parker $1,220
19 Broomfield $1,203
20 Boulder $1,171
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Price information shown is approximated as zip code location can modify rates significantly.

The car, truck, or SUV needing coverage is a significant factor when looking for cheap coverage in Longmont. Vehicles with lower performance, a great safety record, or a positive history of liability claims will cost significantly less to insure than higher performance models. The next table features auto insurance premiums for the most affordable vehicles to buy insurance for.

Cheapest Vehicles to Insure in Longmont, CO
Vehicle Estimated Cost for Full Coverage
Honda CR-V LX 2WD $991
Ford Escape XLT 4WD $1,053
Volkswagen Jetta 2.0T Station Wagon $1,061
Honda Accord EX-L 4-Dr Sedan $1,079
Ford Explorer Limited 4WD $1,091
Toyota Prius $1,102
Dodge Grand Caravan SE $1,111
Chevrolet Silverado LS Regular Cab 4WD $1,126
Hyundai Elantra SE 4-Dr Sedan $1,130
Toyota Corolla XLE $1,138
Chevrolet Impala LTZ $1,130
Nissan Altima 3.5 SR 4-Dr Sedan $1,149
Chevrolet Malibu LTZ $1,157
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Cost estimates assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, claim-free, and homeowner. Rates do not factor in specific location information which can modify coverage prices noticeably.

Based on these rates, models like the Honda CR-V, Ford Escape, Volkswagen Jetta, Honda Accord, and Ford Explorer are likely to be some of the cheaper vehicles to insure for drivers in Longmont.

Get discount Longmont insurance rates

Auto insurance companies that sell policies in Longmont may also offer special discounts that may potentially lower prices by 30% or more if you are eligible. A list of companies and their offered discounts can be read below.

The example below shows the comparison of insurance premiums with and without discounts. The information is based on a male driver, no claims or driving violations, Colorado state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with multiple policy, accident-free, defensive driving course, homeowner, anti-theft, and passive restraint discounts applied. When drivers qualify for the discounts, the average amount saved each year on auto insurance in Longmont is 28% or $696.

How to find economical auto insurance in Longmont

The list below shows a few thrifty suggestions that can help drivers get cheaper auto insurance.

That final tip is remarkably valuable, as we noted in this article. Coverage prices adjust frequently, so don't be tentative to switch companies if you find a cheaper price.

Brand loyalty is great, but is isn't recommended if that loyalty ends up costing a lot of money every month. It takes less than five minutes to compare rates to find cheaper auto insurance in Longmont.