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Get Cheap Car Insurance in Loma, CO
We monitor insurance prices, helping the average driver in Loma save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Loma
The chart below shows the cheapest car insurance company in Loma for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Bristol West, Safeco Insurance, and Geico.
| Loma Insurer | Monthly Cost |
|---|---|
| State Farm | $57 |
| Bristol West | $68 |
| Safeco Insurance | $69 |
| Geico | $71 |
Savings for Every Kind of Loma Driver
Based on our extensive insurance data, we know the average Loma driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $361 per year by choosing the right vehicle insurance company. Some Loma residents are paying out over $1,686 extra every year for auto insurance in Loma. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Loma, CO Savings / Yr. |
|---|---|
$361 |
|
$644 |
|
$518 |
|
$554 |
|
$1,640 |
|
$435 |
|
$636 |
Loma Car Insurance vs. Colorado
People living in Loma pay an average of 10.78% less than the typical driver in the state. The average driver in Loma can expect to pay about $985 per year, or $1,686 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Loma for most people.
Car Insurance Prices by Loma Neighborhood
Insurance Prices
Where is insurance cheapest within Loma?
The map shows insurance prices in and around Loma, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $109 per year within the city boundaries, with insurance premiums ranging from a high of $1,783 to a low of $1,674. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Central parts of Loma.Pick the Best Car Insurance Company for You in Loma
The best car insurance provider for most drivers in Loma
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $361 over the average Loma car insurance company.
The best car insurance provider for Loma drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $644 over the competition.
The best car insurance company for Loma drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $518 better than other car insurance companies.
The best auto insurance for Loma drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $554 less each year.
The least expensive car insurance company for new and young drivers in Loma
In Loma, State Farm costs young drivers $1,640 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Loma
State Farm gave the largest car insurance discounts to married couples, averaging $435 saved each year compared to an average Loma couple's premiums.
The cheapest car insurance in Loma for drivers with bad credit
The best Loma car insurance company for customer service
Recent price drops
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The cheapest large national provider in Loma
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Loma driver can expect to pay about $128 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Loma, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, married couples, young drivers, good drivers, drivers with bad credit, and drivers with accidents.Auto Insurance Prices in and Around Loma
What Influences the Cost of Car Insurance in Loma?
On average, car insurance in Loma is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Loma is 27 minutes, which is a little less than average for a driver in the state.
- Colorado state insurance regulations may require higher prices.
- An average of 2 to 3 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Loma are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A- according to CrimeGrade.org.
- Loma is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Loma is $82 per month for minimum coverage and $141 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Gilsonite: Insurance costs 1.13% more
- Mack: Insurance costs 0.71% less
- Fruita: Insurance costs 1.42% more
- Redlands: Insurance costs 0.83% less
- Grand Junction: Insurance costs 3.44% more
- Glade Park: Insurance costs 2.08% more
- Fruitvale: Insurance costs 1.72% more
- Orchard Mesa: Insurance costs 3.56% more
- Clifton: Insurance costs 4.86% more
- Palisade: Insurance costs 5.10% more
Cities with Similar Populations
- Belmont: Insurance costs 4.86% less
- Ogden: Insurance costs 10.50% less
- Eton: Insurance costs 2.79% more
- Eureka: Insurance costs 8.48% less
- Frenchtown: Insurance costs 5.81% less
- Green Lake: Insurance costs 34.22% less
- Horseshoe Bend: Insurance costs 0.83% less
- Long Ridge: Insurance costs 1.48% more
- Manchester: Insurance costs 43.77% less
- Nicholson: Insurance costs 17.85% less