Best Car Insurance in Longmont 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Longmont.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
September 6, 2021Infiniti Q50 Luxe8050133Safeco$147/mo.$66/mo.
June 8, 2021BMW 320 XI8050122Allstate$175/mo.$94/mo.
October 4, 2021Toyota 4Runner Sr5/Sr5 Premium8050360Allstate$225/mo.$125/mo.
January 12, 2021Dodge Avenger SE8050128Kemper$165/mo.$126/mo.
October 13, 2021Honda Accord EXL8050126Progressive$271/mo.$215/mo.
Here’s more information about what impacts the insurance rates in your Longmont.

How much does car insurance cost in Longmont?

Car insurance in Longmont, Colorado costs single-car drivers an average of $1,981 annually, or about $165 per month. Compared to the state annual average of $2,828, auto insurance in Longmont is $847 lower lower.
Just a short drive from both Boulder and Fort Collins, scenic Longmont has some of the most beautiful vistas in all of Colorado. Longmont is a smaller city, home to around 100,000 people, and it is easier to navigate than many of the other cities in Northern Colorado. But, congestion during peak travel times and hazardous winter weather can make it challenging to find cheap car insurance.
That said, it’s not impossible to secure affordable car insurance! The car insurance comparison and licensed broker app Jerry is your best bet for finding great insurance rates without any of the usual hassles.
If you’re shopping for car insurance, Jerry will generate competitive quotes from top providers in less than a minute. Jerry gathers your information from your past insurer, so you’re not responsible for any long forms or phone calls. Basically, you get all of the savings and coverage, with none of the challenges.
Here’s a rundown of what you need to know about car insurance in Longmont.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Longmont$2,077$1,659$2,232$873--
National Average$3,223$2,143$3,086$1,764$3,423$2,486
LongmontNational Average
All Coverage Before Jerry
$2,077$3,223
All Coverage After Jerry
$1,659$2,143
Minimum Coverage Before Jerry
$2,232$3,086
Minimum Coverage After Jerry
$873$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
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Choosing a carrier in Longmont

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
Car insurance rates in Longmont are lower-than-average for Colorado, but that doesn’t mean you still can’t look for ways to save on your policy!
With a wide range of carriers to choose from, it should be easy to find a provider that has the coverage you need at the price you want.
GEICO insurance is a popular choice among residents in Longmont. Other top providers include State Farm, Allstate, and Nationwide. However, the right insurance company for you will vary depending on your demographics, driving history, discount eligibility, and other factors.
Here’s what drivers pay with some of the most popular insurance providers in Longmont before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Safeco$3,586$1,164Compare Prices
Kemper$2,007$722Compare Prices
Allstate$2,657$656Compare Prices
Progressive$2,486$548Compare Prices
Dairyland$2,928$330Compare Prices
Nationwide$1,938$198Compare Prices
Travelers$1,956$55Compare Prices
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What kind of car insurance you need in Longmont

In Longmont, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Drivers in Colorado must demonstrate financial responsibility. The easiest way to do this is with a car insurance policy with at least the following liability insurance:
It is necessary to have proof of insurance on hand in case you’re involved in an accident or pulled over by law enforcement. You’ll also need to register your car before you take it out on the road.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
Despite the lower-than-average insurance rates, it’s a good idea to purchase more than the minimum liability insurance limits. Liability coverage protects others if you’re involved in an at-fault accident, but it won’t cover you or your vehicle.
Here are some additional coverages that would serve drivers in Longmont well:
FactorRecommended coverageDescription
Rush hour trafficCollision insuranceResidents of Longmont often commute to nearby Boulder, Denver, or Fort Collins, so the roads can be congested in peak travel times. More cars on the road means more opportunities for accidents, and collision coverage will protect you in the event of a crash.
Floods, fires, and blizzardsComprehensive coverageLongmont has seen its fair share of natural disasters, including some major floods and blizzards. Comprehensive insurance will cover your car if it’s damaged due to weather.
Growing populationAccident forgiveness(https://getjerry.com/car-insurance/accident-forgiveness)Longmont is more affordable than its neighbors, so many families are choosing to make the city their home. With the growing population comes more drivers on the road, and accident forgiveness will keep your rates from rising after your first at-fault crash.
Uninsured driversUninsured/underinsured motorist coverageAt around 16%, the uninsured driver rate in Colorado is higher than the national average. Uninsured motorist coverage will protect you if you are in a crash caused by an uninsured or under-insured driver.
Mountain drivingRoadside assistanceLongmont is close to the Flatirons in Boulder, a popular destination for outdoor enthusiasts. If you get stranded while on an outdoor adventure, roadside assistance will come to your rescue.

What determines your car insurance cost in Longmont

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Longmont, you could be paying as much as $33 more per month than an adult driver. These are average rates for Jerry customers in Longmont broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$4,161$1,008
21-24$1,991$396
25-34$2,320$499
35-44$1,110$60
45-54$1,880$282
55-64$1,700$514
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Longmont with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$1,991$428
Failure to Obey Traffic Sign$3,252$356
Defective Equipment$2,795$283
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Where in Longmont you live

It may seem like insurance rates in Longmont should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Longmont, residents of 80501 will have the most expensive car insurance rates, while people who live in 80504 and 80503 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Longmont:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
August 14, 202180501Ford Taurus GlCO32Kemper$120/mo.$36/mo.
September 6, 202180501Infiniti Q50 LuxeCO33Safeco$147/mo.$58/mo.
September 19, 202180503Toyota Camry CECO56Kemper$100/mo.$64/mo.
October 4, 202180503Toyota 4Runner Sr5/Sr5 PremiumCO60Allstate$225/mo.$125/mo.
October 13, 202180501Honda Accord EXLCO26Progressive$271/mo.$215/mo.
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Why is car insurance in Longmont so expensive?

A variety of considerations determine baseline car insurance rates in Longmont. Insurance companies often consider the following:
Several factors contribute to Longmont’s lower-than-average insurance rates.

Smaller population

With around 100,000 residents, Longmont has fewer drivers than neighboring cities. This helps keep Longmont’s insurance rates lower than other cities in the area.

Lower auto theft rate

Car theft rates in Longmont are lower than in other cities in Colorado. Because of this, car insurance rates are lower because providers don’t have to account for as much risk.

How can you save money on car insurance in Longmont?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

While insurance prices in Longmont are some of the lowest in the state, discounts still offer great ways to save. Almost all providers offer discounts, and there is a possibility to save more if you’re eligible for multiple discounts.
Here are some common discounts available with insurance carriers in Longmont:
DiscountDescription
Multi-policyBundling multiple insurance products (like home and auto) or having multiple cars insured with the same provider could get you a discounted rate on each one.
Early signingIf you sign up for your new policy before the expiration of your old one, you may be able to save some cash.
Good-studentIf you are under 25 and have a B average or higher, you may be eligible for a discount.
Accident-freeIf you’ve been accident-free for three to five years, you’re likely eligible for a discount on your policy.
UsageSome companies offer a telematics program that tracks your driving habits and rewards you with discounts for safe behaviors.
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