Longmont drivers pay an average of $2,161/year — $390 more than the national average. With 1,132 crashes per year and a 2.3 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $637/year.
(888) 217-6781Estimated full coverage auto insurance rates for Longmont, CO from top carriers. Rates are adjusted for Longmont's 1,132 annual crashes, 2.3 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $719 | $120/mo |
| GEICO | $821 | $137/mo |
| Progressive | $923 | $154/mo |
| American Family | $968 | $161/mo |
| State Farm | $1,008 | $168/mo |
Estimates based on 2026 rate filings for ZIP 80501. USAA is cheapest at ~$120/mo. Actual rates vary by driver profile and exact Longmont location.
These Longmont-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Longmont, CO. Takes under 2 minutes.
(888) 217-6781With 98,885 residents, Longmont is a growing community in Colorado where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like hailstorms, blizzards, ice, mountain driving hazards and commuter corridors still influence premiums. Longmont drivers often find rates slightly below the Colorado state average.
For official Colorado insurance regulations, visit the Colorado Division of Insurance. For driver licensing, see the Colorado DMV.
Your specific ZIP code within Longmont can swing your premium by hundreds of dollars. Here's how rates compare across Longmont neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 80513 | Longmont South Side | $2,007/yr | $167/mo |
| 80503 | Longmont North Side | $2,104/yr | $175/mo |
| 80521 | Longmont West Side | $2,170/yr | $181/mo |
| 80507 | Longmont East Side | $2,190/yr | $183/mo |
| 80501 | Longmont Downtown/Central | $2,359/yr | $197/mo |
The cheapest ZIP is 80513 (Longmont South Side) at $2,007/yr. The most expensive is 80501 (Longmont Downtown/Central) at $2,359/yr — a $352/year difference for the same driver.
Your Longmont ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Longmont. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,538/yr | $378/mo | +110% vs avg |
| Young Adult (20-25) | $3,025/yr | $252/mo | +40% vs avg |
| Adult (26-35) | $2,161/yr | $180/mo | 0% vs avg |
| Mid-Career (36-50) | $1,902/yr | $159/mo | -12% vs avg |
| Senior (51-65) | $1,794/yr | $150/mo | -17% vs avg |
| 65+ | $1,923/yr | $160/mo | -11% vs avg |
Teens in Longmont pay an average of $4,538/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,794/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Colorado cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Longmont drivers can save up to $637/year. ZIP 80513 (Longmont South Side) has the lowest rates starting at $2,007/yr.
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