Haddock Insurance, A Division Of Lakeside Insurance
500 Coffman St, Ste 103, Longmont, CO 80501
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Longmont households and business owners trust local agents to navigate carrier appetite shifts, underwriting requirements, and the claims process.
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500 Coffman St, Ste 103, Longmont, CO 80501
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1725 Jewel Dr, Longmont, CO 80501
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202 Main St, #1, Longmont, CO 80501
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473 Main St, Longmont, CO 80501
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2919 W 17 Ave, Suite 109, Longmont, CO 80503
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2919 W 17th Avenue, Suite 109, Longmont, CO 80503
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Learn about insurance coverage options specific to Longmont residents.
Longmont auto insurance averages $132/month. Learn about rising home insurance costs in Boulder County, flood coverage near creeks, and local agents.
Home InsuranceLongmont home insurance averages $4,175/year due to hail and flood risk. Learn about coverage options, 2026 legislation, and ways to lower your premium.
Car InsuranceLongmont drivers pay $135/month on average for auto insurance. Learn Colorado's 25/50/15 requirements, at-fault rules, and how to save on coverage.
The average cost of car insurance in Longmont is around $132 per month, which is below both the Colorado state average ($146/month) and the national average ($169/month). The cheapest insurers are typically State Farm at about $98 per month, USAA at $100 monthly for eligible military families, and Colorado Farm Bureau Mutual at $106 per month.
If your property is near St. Vrain Creek, Left Hand Creek, Dry Gulch, or Spring Gulch—especially within FEMA's mapped 100-year floodplain—you need separate flood insurance. Standard homeowners policies don't cover flood damage. Flood insurance costs $500-$1,300 annually in Longmont, and there's a 30-day waiting period before coverage begins, so don't wait until a storm threatens to buy a policy.
Home insurance costs in Boulder County have jumped 52% between 2019 and 2022 due to increased wildfire and hail risks. Longmont experienced 68 hail events in 12 months, including a May 2023 storm with 2-inch hailstones. Western neighborhoods near the foothills face additional wildfire risk, which has caused some insurers to drop coverage entirely or significantly raise premiums for affected homeowners.
Colorado requires minimum liability coverage of 25/50/15: $25,000 per person for bodily injury, $50,000 total per accident for bodily injury, and $15,000 for property damage. However, these minimums often aren't enough to cover modern medical costs and vehicle repairs. Most experts recommend at least 100/300/100 coverage, especially if you own a home or have significant assets.
Working with one of Longmont's six local insurance agencies offers real advantages. Local agents understand Boulder County's specific risks—like which neighborhoods face carrier exits or flood zone classifications for properties near local creeks. An independent agent can shop multiple carriers for you, bundle policies for 15-25% discounts, and provide local support when you need to file a claim after a hailstorm.
Bundle your auto and home insurance for 15-25% discounts, maintain a clean driving record, and consider raising your deductible to $1,000-$2,000 to cut premiums by 20-30%. For home insurance, install impact-resistant roofing or a monitored security system for additional discounts. Shop around every few years—loyalty doesn't always pay in insurance, and rates vary significantly between companies for the same coverage.
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