call

Loveland Car Insurance

How much does car insurance cost in Loveland, CO? Check out the average rates that drivers pay below.

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Loveland?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Colorado has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Loveland typically pay around $103.34 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Colorado $113.54
Loveland, Colorado $103.34

Loveland, CO Best Car Insurance Companies

car insurance in Loveland

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Loveland coming in around $72.50 per month. Other companies to consider if you live in Loveland is State Farm with an average cost of $96.55 per month and Auto-Owners Insurance Co which typically runs around $105.28 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Loveland.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $72.50-36.15%
2 State Farm $96.55-14.96%
3 Auto-Owners Insurance Co $105.28-7.28%
4 National Farmers Union P $108.67-4.29%
5 Allstate $117.023.06%
6 SAFECO $122.477.86%
7 Colorado Farm Bureau Mutual $124.419.57%
8 Esurance $127.1211.95%
9 Metropolitan $128.4613.14%
10 Nationwide $131.0515.42%

How Much is Car Insurance in Loveland, CO?

how much is auto insurance in Loveland

Rates can vary from city to city. The residents of Aurora typically pay $125.59 per month while people who live in Boulder will pay $102.55 per month on average. See what people pay for car insurance in other cities in Colorado.

Colorado CitiesMonthly Average Rate
Aurora $125.59
Boulder $102.55
Colorado Springs $122.47
Denver $124.13
Littleton $109.70
Loveland $102.13

Cheap Car Insurance in Loveland by Zip Codes

find cheap auto insurance in Loveland

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Colorado. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Loveland, CO ZIP CodeAverage Monthly Rate
80537$95.53
80538$107.82
80539$52.44

Car Insurance Rates by Driver's Age Group in Loveland

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $237.45 per month in Loveland. Compare that to drivers in their 30’s who typically pay around $83.31 per month drivers in their 40s at $84.79 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$237.45
20s$119.03
30s$83.31
40s$84.79
50s$72.58
60s$84.53
70+$82.47

Cheapest Insurance for Teenage Drivers in Loveland

If you are teen in Loveland you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $155.96 per month. This is likely the most affordable option in Loveland. You might also want to consider State Farm and Auto-Owners Insurance Co who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$155.96
State Farm$210.46
Auto-Owners Insurance Co$222.75
Allstate$276.34
American Family$297.84

Cheapest Insurance for 20 Year-olds in Loveland

20 year-olds in Loveland might want to consider USAA who, on average, offers car insurance rates around $86.54 per month. State Farm , Allstate , Auto-Owners Insurance Co and Dairyland Realtime are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$86.54
State Farm$121.97
Allstate$124.61
Auto-Owners Insurance Co$132.68
Dairyland Realtime$149.91

Cheapest Insurance for 30 Year-olds in Loveland

If you are in your 30s in Loveland our research has found that USAA typically has the most affordable coverage coming in around $76.68 per month, followed by Auto-Owners Insurance Co at $102.13 and State Farm at $102.47.

CompanyAverage Monthly Rate
USAA$76.68
Auto-Owners Insurance Co$102.13
State Farm$102.47
Metropolitan$107.03
Nationwide$115.65

Cheapest Insurance for 40 Year-olds in Loveland

On average, USAA offers car insurance for 40 year-olds in Loveland for around $61.27 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Auto-Owners Insurance Co. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$61.27
State Farm$87.45
Auto-Owners Insurance Co$89.42
Metropolitan$92.25
Esurance$102.50

Cheapest Insurance for 50 Year-olds in Loveland

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Loveland we found that USAA generally offers the most affordable coverage at $55.87 per month.

CompanyAverage Monthly Rate
USAA$55.87
State Farm$69.62
Auto-Owners Insurance Co$73.70
SAFECO$76.96
Metropolitan$79.72

Cheapest Insurance for 60 Year-olds in Loveland

If you live in Loveland and you’re in your 60s, our data indicates that USAA usually has the best rates at $59.25 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$59.25
State Farm$69.56
Esurance$80.17
SAFECO$85.17
Auto-Owners Insurance Co$89.36

Driver's Coverage Auto Insurance Rates in Loveland, CO

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Loveland, the average monthly rate for a driver who is currently insured is $94.94 while drivers who are not currently covered will pay around $115.25.

CoverageAverage Monthly Rate
Not Currently Insured $115.25
Currently Insured $94.94

Compare Recent Car Insurance Quotes in Loveland

auto insurance quotes in Loveland city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Loveland a driver of a 2011 Chevrolet Hhr can expect to pay around $34.38 per month while someone that owns a 2011 Chevrolet Hhr may pay around $39.97 per month. Check out the list of recent quotes in Loveland below.

VehicleAverage Monthly Rate
2011 Chevrolet Hhr$34.38
2011 Chevrolet Hhr$39.97
2011 Chevrolet Hhr$93.76
2011 Chevrolet Hhr$50.81
2002 Chevrolet S Truck$58.53
2017 Ford F150$100.47
1999 Acura 3.5rl$56.70
1999 Ford ECONOLINE E150 VAN$55.64
2018 Toyota Corolla$88.66
2013 Subaru Forester$77.88

FAQ's for Drivers in Loveland, CO

driver’s frequently asked question in Loveland

What Is the Minimum Liability Coverage Requirement in Loveland, CO?

Colorado requires that all drivers carry car insurance, and insurance regulations are strictly enforced by the Colorado Department of Regulatory Agencies, Division of Insurance. Drivers must carry $25,000 per person and $50,000 per accident of bodily injury and $15,000 per accident for property damage.

Although Colorado used to be a no-fault state, it now operates as a tort system. This means fault must be established before any insurance company pays a claim. This change was made to reduce insurance premiums and claims abuses.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $15,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Even though it isn’t required by law, finance and leasing vendors insist that you carry collision and comprehensive auto insurance on any financed vehicle. They may also require additional coverages. Consider this when calculating the price of your auto loan.

What Is the Blood Alcohol Concentration (BAC) limit in Loveland, CO?

It’s illegal for individuals to operate a vehicle in Colorado with the following BAC percentages:

  • .08%+ for 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ for under 21 years old

What are the consequences of being convicted of a DUI?

The consequences of being convicted of a DUI in Colorado are severe and may include fines, probation, legal costs, jail time, and installation of an ignition interlock device. Additionally, your driver’s license will be suspended and you may be required to take alcohol education classes or attend an addiction treatment program.

map

Commute Time in Loveland, CO

24.3 Miles
map

Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Loveland, CO

189

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates Instantly.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.