Best Cheap Auto Insurance in Loma, CO (2021)

The average Loma, CO auto insurance rates are $279 per month. The minimum auto insurance in Loma is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Loma, Colorado, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The cheapest auto insurance company in Loma is GEICO
  • Average auto insurance rates in Loma, CO for senior drivers are $1,957 per year
  • The most expensive auto insurance company in Loma for teen drivers is Allstate

Loma, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Loma can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Loma, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in Loma to other Colorado cities, including Lakewood auto insurance rates, Colorado Springs auto insurance rates, and Pueblo auto insurance rates to see how Loma, Colorado auto insurance rates stack up.

Before you buy Loma, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Loma, Colorado auto insurance quotes.

Minimum Auto Insurance in Loma, Colorado

Loma, Colorado auto insurance laws require that you have at least the Colorado minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Loma, Colorado.

Minimum Required Auto Insurance Coverage in Loma, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Loma, Colorado Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Loma, Colorado are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Loma, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,318 $3,093 $2,971 $3,005 $11,576 $12,124 $3,661 $3,700
American Family $2,369 $2,369 $2,141 $2,141 $5,736 $7,705 $2,369 $2,905
Farmers $2,582 $2,550 $2,339 $2,530 $9,890 $9,928 $2,838 $2,855
GEICO $1,333 $1,458 $1,409 $1,589 $4,169 $4,420 $1,224 $1,247
Liberty Mutual $1,545 $1,506 $1,306 $1,435 $4,802 $5,249 $1,568 $1,595
Nationwide $1,952 $1,982 $1,754 $1,845 $4,935 $6,278 $2,246 $2,417
Progressive $2,276 $2,128 $1,997 $1,987 $7,839 $8,755 $2,561 $2,488
State Farm $1,635 $1,635 $1,474 $1,474 $4,740 $5,988 $1,831 $2,173
USAA $2,006 $2,006 $1,910 $1,917 $4,983 $5,703 $2,573 $2,799

Cheap Loma, Colorado Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Loma, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Loma, Colorado.

Annual Auto Insurance Rates for Teen Drivers in Loma, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,576 $12,124
American Family $5,736 $7,705
Farmers $9,890 $9,928
GEICO $4,169 $4,420
Liberty Mutual $4,802 $5,249
Nationwide $4,935 $6,278
Progressive $7,839 $8,755
State Farm $4,740 $5,988
USAA $4,983 $5,703

Cheap Loma, Colorado Auto Insurance for Seniors

What are senior auto insurance rates in Loma, Colorado? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Loma, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,971 $3,005
American Family $2,141 $2,141
Farmers $2,339 $2,530
GEICO $1,409 $1,589
Liberty Mutual $1,306 $1,435
Nationwide $1,754 $1,845
Progressive $1,997 $1,987
State Farm $1,474 $1,474
USAA $1,910 $1,917

Cheap Loma, Colorado Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Loma, Colorado compared to the annual auto insurance rates with a clean record in Loma, Colorado.

Annual Loma, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,607 $5,307 $6,563 $5,247
American Family $2,562 $3,647 $4,754 $2,905
Farmers $3,743 $4,824 $4,760 $4,430
GEICO $1,493 $2,311 $2,685 $1,935
Liberty Mutual $2,089 $2,436 $2,524 $2,454
Nationwide $2,267 $3,072 $3,877 $2,488
Progressive $3,250 $4,557 $3,428 $3,781
State Farm $2,406 $2,831 $2,619 $2,619
USAA $2,188 $2,662 $4,635 $2,464

Cheap Loma, Colorado Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Loma, Colorado is not easy. Compare the annual rates for DUI auto insurance in Loma, Colorado to find the best deal.

Annual Auto Insurance Rates After a DUI in Loma, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,563
American Family $4,754
Farmers $4,760
GEICO $2,685
Liberty Mutual $2,524
Nationwide $3,877
Progressive $3,428
State Farm $2,619
USAA $4,635

Cheap Loma, Colorado Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Loma, Colorado annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Loma, Colorado

Insurance Company Poor Fair Good
Allstate $6,926 $5,334 $4,034
American Family $4,499 $3,210 $2,691
Farmers $5,151 $4,189 $3,978
GEICO $2,522 $2,106 $1,690
Liberty Mutual $3,384 $2,082 $1,661
Nationwide $3,525 $2,806 $2,447
Progressive $4,263 $3,646 $3,352
State Farm $3,633 $2,337 $1,885
USAA $4,418 $2,521 $2,022

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Cheap Loma, Colorado Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Loma, Colorado can vary. Compare the annual cost of auto insurance by ZIP code in Loma, Colorado to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Loma, Colorado

ZIP Code Average Annual Rates
81524 $3,093

Cheap Loma, Colorado Auto Insurance Rates By Commute

Commute length and annual mileage affect Loma, Colorado auto insurance. Find the cheapest annual Loma, Colorado auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Loma, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,431 $5,431
American Family $3,393 $3,541
Farmers $4,439 $4,439
GEICO $2,065 $2,147
Liberty Mutual $2,376 $2,376
Nationwide $2,926 $2,926
Progressive $3,754 $3,754
State Farm $2,555 $2,683
USAA $2,903 $3,071

Cheap Loma, Colorado Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Loma, Colorado? Check out the comparison of annual Loma, Colorado auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Loma, Colorado

Insurance Company Low Medium High
Allstate $5,199 $5,416 $5,678
American Family $3,297 $3,539 $3,565
Farmers $3,893 $4,378 $5,047
GEICO $1,920 $2,074 $2,324
Liberty Mutual $2,250 $2,368 $2,509
Nationwide $2,909 $2,928 $2,941
Progressive $3,453 $3,766 $4,042
State Farm $2,443 $2,619 $2,794
USAA $2,856 $2,986 $3,119

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Best By Category: Cheapest Auto Insurance in Loma, Colorado

Compare the cheapest auto insurance companies in Loma, Colorado in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Loma, Colorado

Category Insurance Company
Teenagers GEICO
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident GEICO
With 1 DUI Liberty Mutual
With 1 Speeding Violation GEICO

The Cheapest Loma, Colorado Auto Insurance Companies

What auto insurance companies in Loma, Colorado are the cheapest? Compare the top Loma, Colorado auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Loma, Colorado

Insurance Company Average Annual Rates
Allstate $5,431
American Family $3,467
Farmers $4,439
GEICO $2,106
Liberty Mutual $2,376
Nationwide $2,926
Progressive $3,754
State Farm $2,619
USAA $2,987

What affects auto insurance rates in Loma, Colorado?

There are a lot of reasons why auto insurance rates in Loma, Colorado are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Loma, Colorado. Many local factors may affect your Loma auto insurance rates.

Loma Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Loma, Colorado commute length is 34.4 minutes according to City-Data.

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Compare Loma, Colorado Auto Insurance Quotes

Before you buy Loma, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Loma, Colorado auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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