Best Cheap Auto Insurance in Loveland, CO (2021)

The average Loveland, CO auto insurance rates are $281 per month. The minimum auto insurance in Loveland is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Loveland, Colorado, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

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.

Full Bio →

Written by

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...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • The minimum auto insurance required in Loveland, Colorado is 25/50/15
  • The average commute length in Loveland is 25.7 minutes
  • The most expensive auto insurance company in Loveland for teen drivers is Farmers

Loveland, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Loveland 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 Loveland, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in Loveland to other Colorado cities, including Denver auto insurance rates, Thornton auto insurance rates, and Arvada auto insurance rates to see how Loveland, Colorado auto insurance rates stack up.

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

Minimum Auto Insurance in Loveland, Colorado

Loveland, 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 Loveland, Colorado.

Minimum Required Auto Insurance Coverage in Loveland, 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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

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

Auto insurance rates in Loveland, 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 Loveland, 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 $2,653 $2,484 $2,405 $2,428 $9,150 $9,634 $2,899 $2,906
American Family $2,318 $2,318 $2,094 $2,094 $5,595 $7,524 $2,318 $2,830
Farmers $2,700 $2,671 $2,443 $2,639 $10,366 $10,436 $2,965 $2,986
GEICO $1,721 $1,887 $1,847 $2,114 $5,472 $5,768 $1,573 $1,587
Liberty Mutual $1,676 $1,578 $1,420 $1,568 $5,335 $5,840 $1,696 $1,714
Nationwide $2,263 $2,300 $2,028 $2,139 $5,724 $7,310 $2,605 $2,810
Progressive $2,095 $1,961 $1,853 $1,843 $7,204 $8,026 $2,349 $2,278
State Farm $1,833 $1,833 $1,665 $1,665 $5,486 $6,932 $2,059 $2,440
USAA $1,845 $1,836 $1,769 $1,765 $4,632 $5,286 $2,358 $2,550

Cheap Loveland, Colorado Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Loveland, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,150 $9,634
American Family $5,595 $7,524
Farmers $10,366 $10,436
GEICO $5,472 $5,768
Liberty Mutual $5,335 $5,840
Nationwide $5,724 $7,310
Progressive $7,204 $8,026
State Farm $5,486 $6,932
USAA $4,632 $5,286

Cheap Loveland, Colorado Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Loveland, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,405 $2,428
American Family $2,094 $2,094
Farmers $2,443 $2,639
GEICO $1,847 $2,114
Liberty Mutual $1,420 $1,568
Nationwide $2,028 $2,139
Progressive $1,853 $1,843
State Farm $1,665 $1,665
USAA $1,769 $1,765

Cheap Loveland, 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 Loveland, Colorado compared to the annual auto insurance rates with a clean record in Loveland, Colorado.

Annual Loveland, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,686 $4,236 $5,183 $4,175
American Family $2,504 $3,565 $4,638 $2,838
Farmers $3,926 $5,055 $4,985 $4,638
GEICO $1,926 $3,021 $3,538 $2,501
Liberty Mutual $2,291 $2,674 $2,761 $2,687
Nationwide $2,618 $3,570 $4,523 $2,879
Progressive $2,988 $4,199 $3,149 $3,469
State Farm $2,735 $3,244 $2,989 $2,989
USAA $2,020 $2,462 $4,268 $2,270

Cheap Loveland, Colorado Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Loveland, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,183
American Family $4,638
Farmers $4,985
GEICO $3,538
Liberty Mutual $2,761
Nationwide $4,523
Progressive $3,149
State Farm $2,989
USAA $4,268

Cheap Loveland, Colorado Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Loveland, Colorado

Insurance Company Poor Fair Good
Allstate $5,497 $4,247 $3,216
American Family $4,385 $3,137 $2,636
Farmers $5,390 $4,391 $4,171
GEICO $3,299 $2,746 $2,194
Liberty Mutual $3,706 $2,285 $1,819
Nationwide $4,099 $3,254 $2,838
Progressive $3,917 $3,354 $3,083
State Farm $4,152 $2,666 $2,148
USAA $4,057 $2,332 $1,876

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheap Loveland, Colorado Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Loveland, Colorado

ZIP Code Average Annual Rates
80538 $3,112

Cheap Loveland, Colorado Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Loveland, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,320 $4,320
American Family $3,313 $3,459
Farmers $4,651 $4,651
GEICO $2,691 $2,801
Liberty Mutual $2,603 $2,603
Nationwide $3,397 $3,397
Progressive $3,451 $3,451
State Farm $2,913 $3,065
USAA $2,678 $2,832

Cheap Loveland, Colorado Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Loveland, Colorado

Insurance Company Low Medium High
Allstate $4,077 $4,304 $4,578
American Family $3,192 $3,457 $3,509
Farmers $4,076 $4,586 $5,291
GEICO $2,444 $2,694 $3,101
Liberty Mutual $2,436 $2,593 $2,781
Nationwide $3,381 $3,402 $3,409
Progressive $3,147 $3,464 $3,743
State Farm $2,762 $2,993 $3,212
USAA $2,620 $2,755 $2,891

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Loveland, Colorado

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

Best Annual Auto Insurance Rates by Company in Loveland, Colorado

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

The Cheapest Loveland, Colorado Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Loveland, Colorado

Insurance Company Average Annual Rates
Allstate $4,320
American Family $3,386
Farmers $4,651
GEICO $2,746
Liberty Mutual $2,603
Nationwide $3,397
Progressive $3,451
State Farm $2,989
USAA $2,755

What affects auto insurance rates in Loveland, Colorado?

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

Loveland Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Loveland, Colorado commute length is 25.7 minutes according to City-Data.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Compare Loveland, Colorado Auto Insurance Quotes

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

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption