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Finding the cheapest car insurance quotes in Livermore shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Livermore
The car insurance rate in Livermore is $1180 for a six-month policy, which is $36 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $357, making it a popular choice for budget-conscious drivers. Rates in Livermore can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $357 for a six
month policy, Colorado Farm Bureau offers
the cheapest
auto
insurance rates in the city.
2nd place: American National P&C
American National P&C offers auto
insurance rates at $392 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: AutoOwners Insurance Co
AutoOwners Insurance Co offers auto insurance
rates at $588
for six months, making it
the third cheapest auto insurance company in Livermore.
Livermore Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Livermore, CO is Colorado Farm Bureau, offering policies at just $357 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $392.
At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1429 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Livermore drivers find the best deals.
Way's key takeaways about car insurance in Livermore
The auto insurance costs in Livermore fall around $357 for six
months.
The cheapest auto insurance company in Livermore is Colorado Farm Bureau.
Teen drivers pay the highest rate in Livermore at $580 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Livermore
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Livermore are given below.
Colorado Farm Bureau provides
the cheapest minimum car insurance
coverage in Livermore. Their Average 6 Month Premium is $139.
California Casualty is the most
expensive at $202 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Livermore is Colorado Farm Bureau
at $59 per month and $357
for six months.
Cheapest Full Coverage Car Insurance Quotes in Livermore,
CO
Get Your Car Insurance Quote in Livermore
Instantly!
Average Car Insurance in Livermore by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Livermore, CO increasing?
Despite maintaining a clean driving record, your car insurance rates
in Livermore, Colorado, may be increasing due to several external factors.
Colorado has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Livermore's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Livermore
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
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Cheapest Car Insurance Rates for Teen Drivers in
Livermore,CO
If you are planning to get a car insurance policy for your teenage
dependent, American National provides the cheapest car
insurance in the Livermore at $24
per
month. At $3411 for a six-month premium,
AutoOwners offers the most expensive rate for
teen drivers.
If you are in your twenties N/A is
the best choice for car
insurance in Livermore.
As young drivers face the highest rates in Livermore, N/A
offers the cheapest auto insurance rates at $N/A for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Livermore,
Colorado Farm Bureau is
the cheapest car insurance provider. At $271 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Livermore is AutoOwners, offering
rates of around $3157 for six
months.
Save up to $971/yr on car insurance rates in Livermore.
Car Insurance Rates with An Accident in Livermore
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Livermore, CO,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Livermore
The cheapest car insurance companies after an at-fault accident in
Livermore include Colorado Farm Bureau
and American National, offering $173
and $202,
respectively. AutoOwners is an expensive provider
with an average six-month premium of
$1734.
Here is a list of driving violations that can increase your car
insurance rates in Livermore CO. For example, the car
insurance in Livermore
after a DUI increases to $1026 for a six
month policy. While the rate increases by $300 for a six-month policy in the case of
a speeding ticket.
Livermore auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1285
$214
One Med/PIP claim
$1291
$219
Not-at-fault accident
$1313
$219
One comp claim
$1319
$224
Two Med/PIP claims
$1319
$220
Two comp claims
$1372
$233
Failure to wear a seat belt
$1435
$240
Failure to show documents
$1446
$246
Child safety restraint
$1464
$243
Driving without lights
$1464
$249
Driving with expired registration
$1521
$253
Texting while driving
$1538
$262
At-fault accident - less than $1000
$1550
$258
Cell phone violation
$1556
$265
Failure to yield
$1556
$259
Following too closely
$1556
$265
Illegal turn
$1556
$259
Failure to stop at a red light
$1562
$266
Driving too slowly
$1568
$261
Improper passing
$1573
$268
Wrong way/wrong lane
$1579
$263
Speeding 6 - 10 MPH over limit
$1585
$270
Speeding 11 - 15 MPH over limit
$1590
$265
Speeding 16 - 20 MPH over limit
$1590
$271
Speeding in school zone
$1596
$266
Passing school bus
$1625
$276
In 65 MPH zone
$1729
$288
Operating a vehicle without permission
$1734
$295
Speeding 21 - 25 MPH over limit
$1758
$293
Open container
$1803
$307
At-fault accident - $1000-$2000
$1895
$316
At-fault accident - greater than $2000
$1936
$329
Driving with a suspended license
$2028
$338
Reckless driving
$2236
$380
Refusal to submit to a chemical test
$2258
$376
Racing
$2281
$388
DUI
$2311
$385
Leaving scene of an accident/hit and run
$2397
$407
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Livermore after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Livermore.
The cheapest car insurance premiums in
Livermore are
offered by Colorado Farm Bureau at $202 for a six-month policy.
However, it can be as
expensive as $2155 with companies
like AutoOwners.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Livermore are offered by American National P&C
at $178. However,
it can be as expensive as $1083
with companies like AutoOwners for a similar
six-month premium.
Cheapest Car Insurance in Livermore after Speeding ticket
Car insurance rates in Livermore have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Livermore rose by
$252 in January
compared to $228 of December. In other words, there has been an increase by $24 when you
compare January and December.
The average cost of liability insurance in the Livermore dipped to $47 in January,
compared to $56 in December.
This represents an decrease of $9
when comparing January and December.
Average Car Insurance Cost in Livermore by ZIP
Code
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Livermore. At $2359 for a
six-month policy, insuring
your car at 80536 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Livermore?
The car insurance in Livermore is $23 per month, which is lower than the national average.
What is the cheapest car insurance in Livermore?
The cheapest car insurance in Livermore
is $59 per month
for full coverage.
How much is car insurance in Livermore for teenagers?
Car insurance for teenagers costs $145 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Livermore?
The average cost of car insurance is $1216 for a six-month
policy. It will cost around $199 per month to insure your
car in Livermore.
Is car insurance expensive in Livermore?
Car insurance can be expensive in Livermore if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Livermore can be
affordable.
What is the best car insurance in Livermore,
CO?
The best car insurance company in Livermore
CO is
Colorado Farm Bureau, offering $357 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Livermore, CO
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Livermore Car Insurance
