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Get Cheap Car Insurance in Loveland, CO
We monitor insurance prices, helping the average driver in Loveland save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Loveland
The chart below shows the cheapest car insurance company in Loveland 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.
| Loveland Insurer | Monthly Cost |
|---|---|
| State Farm | $61 |
| Bristol West | $72 |
| Safeco Insurance | $74 |
| Geico | $76 |
Savings for Every Kind of Loveland Driver
Based on our extensive insurance data, we know the average Loveland 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 $385 per year by choosing the right vehicle insurance company. Some Loveland residents are paying out over $1,795 extra every year for auto insurance in Loveland. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Loveland, CO Savings / Yr. |
|---|---|
$385 |
|
$686 |
|
$552 |
|
$590 |
|
$1,745 |
|
$462 |
|
$677 |
Loveland Car Insurance vs. Colorado
People living in Loveland pay an average of 5.05% less than the typical driver in the state. The average driver in Loveland can expect to pay about $1,048 per year, or $1,795 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Loveland for most people.
Car Insurance Prices by Loveland Neighborhood
Insurance Prices
Where is insurance cheapest within Loveland?
The map shows insurance prices in and around Loveland, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $284 per year within the city boundaries, with insurance premiums ranging from a high of $1,993 to a low of $1,709. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Southeast parts of Loveland.Pick the Best Car Insurance Company for You in Loveland
The best car insurance provider for most drivers in Loveland
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $385 over the average Loveland car insurance company.
The best car insurance provider for Loveland 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 $686 over the competition.
The best car insurance company for Loveland drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $552 better than other car insurance companies.
The best auto insurance for Loveland drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $590 less each year.
The least expensive car insurance company for new and young drivers in Loveland
In Loveland, State Farm costs young drivers $1,745 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Loveland
State Farm gave the largest car insurance discounts to married couples, averaging $462 saved each year compared to an average Loveland couple's premiums.
The cheapest car insurance in Loveland for drivers with bad credit
The best Loveland car insurance company for customer service
Recent price drops
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The cheapest large national provider in Loveland
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Loveland 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 Loveland, 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 Loveland
What Influences the Cost of Car Insurance in Loveland?
On average, car insurance in Loveland 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 Loveland is 33 minutes, which is about the national average for a driver in the state.
- Colorado state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Loveland are lower than average 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.
- Loveland is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Loveland is $87 per month for minimum coverage and $150 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
- Welty: Insurance costs 0.06% less
- Berthoud: Insurance costs 0.11% less
- Kahler: Insurance costs 1.56% less
- Cedar Cove: Insurance costs 1.45% less
- Johnstown: Insurance costs 2.28% less
- Buda: Insurance costs 1.23% more
- Windsor: Insurance costs 1.62% less
- Fort Collins: Insurance costs 0.61% less
- Timnath: Insurance costs 4.74% less
- Waltonia: Insurance costs 0.11% more
Cities with Similar Populations
- Santa Monica: Insurance costs 33.04% more
- Tracy: Insurance costs 20.78% more
- Johnson City: Insurance costs 26.57% less
- Sanford: Insurance costs 47.47% more
- San Tan Valley: Insurance costs 1.50% more
- San Leandro: Insurance costs 24.07% more
- Redwood City: Insurance costs 14.60% more
- Norwalk: Insurance costs 26.74% more
- Nashua: Insurance costs 28.47% less
- Mount Pleasant: Insurance costs 8.30% less