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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
$1,587 $1,757 $1,548


Table of contents:


Longmont car insurance rates by company


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)
GEICO $997
USAA $1,012
State Farm $1,226
Allstate $1,626
Progressive $2,041


Check out our guide to learn how to find the best cheap car insurance.



Longmont auto insurance rates by age

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
Teens $5,365
20s $1,940
30s $1,565
40s $1,518
50s $1,419
60s $1,439
70s $1,662


Dive into the data on car insurance and age.



Longmont auto insurance rates by gender and marital status


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
Female $1,598
Male $1,587
Single $1,587
Married $1,480
Divorced $1,587
Widowed $1,519


Learn more about how gender and marital status have on auto insurance rates.



Longmont auto insurance premiums by citation and accident history


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
DUI/DWI $2,149
Reckless Driving $2,172
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


Learn more about how citations can raise your auto insurance rates.



Longmont car insurance rates by credit score


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
Very Poor $2,883
Fair $2,375
Good $1,996
Very Good $1,675
Exceptional $1,374


Learn more about the relationship between credit and car insurance.



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.