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What's the average car insurance rate in Longmont?
The average cost of car insurance in Longmont, Colorado, is $1,587 per year. That's cheaper than the average in Colorado ($1,757) and more expensive than the national average of $1,548. Continue reading to learn how much you can expect to pay for insurance based on your marital status, age, credit score and other factors in Longmont.
LONGMONT AUTO INSURANCE PREMIUMS
|Longmont Average (annual)||Colorado Average||National Average|
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The difference in auto insurance rates from company to company can be dramatic. In Longmont, GEICO offers the cheapest rates for the average insurance customer. See below the best options for affordable auto insurance in Longmont. Don't forget to get free car insurance quotes based on your driving profile.
LONGMONT AUTO INSURANCE RATES BY COMPANY
|Company||Average Rate (annual)|
The best age for car insurance rates as a driver in Longmont is your 50s: drivers in this age group pay an average of $1,419 per year. Rates for Longmont drivers in their 60s are also relatively affordable, at just $1,439 per year.
Teenage drivers pay Longmont's most expensive insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Longmont is to age out of your teenage years. The difference in rates paid by teenage drivers and drivers in their 20s in Longmont is $3,425, the largest such difference between any two age groups.
LONGMONT CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age group||Average Annual Rate|
Marital status and gender can play roles in how car insurance companies set rates, in some cases. Married drivers in Longmont pay $107 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations.
Gender is another factor that can affect car insurance rates. In Longmont, female drivers pay $11 per year more than do male drivers for car insurance.
LONGMONT AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
If you want to keep your car insurance rates down, keep your driving record clean. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to a hike in your insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Longmont, a reckless driving citation results in an average insurance rate increase of $585 per year, compared to the citywide average. For the sake of comparison, a DUI offense results in a $562 increase, and a speeding ticket causes a $280 rate hike.
LONGMONT CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Annual Rate|
|At-fault Accident (damages less than $1,000)||$1,984|
|At-fault Accident (damages > $2,000)||$2,250|
|Speeding Ticket (16-20 mph over speed limit)||$1,867|
A driver's credit level can be closely associated with their auto insurance rates. In fact, Longmont drivers who improve their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn, on average, a 52% decrease in their auto insurance costs. Moving from "Very Poor" to "Fair" credit is a good way to lower your auto insurance costs. In Longmont, improving your credit to "Fair" could help you earn $508 in savings on insurance premiums each year.
LONGMONT CAR INSURANCE RATES BY CREDIT LEVEL
|Credit Score||Average Yearly Rate|
About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.