Without the runaround, Loma households compare auto coverage through Freedom Insurance Group. Phone (800) 253-1482, or request a quote online.
Loma, Colorado: average car insurance rates
Use these amounts as estimates for comparison; none of them is a guaranteed quote. Your real premium turns on the drivers, the vehicles, the ZIP code, limits and deductibles, credit (where allowed), and claims history.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Colorado | $172.40 |
| Loma, Colorado | $177.47 |
Lowest-priced car insurance companies in Loma, CO
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | National General 360 | $162.42 |
| 2 | Safeco | $164.53 |
| 3 | GEICO | $166.49 |
| 4 | Elephant | $168.05 |
| 5 | Travelers | $168.45 |
| 6 | Progressive | $174.82 |
| 7 | Allstate | $180.35 |
| 8 | Kemper BVP | $181.34 |
| 9 | Bristol West | $181.69 |
| 10 | Lumen Select | $196.36 |
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,173.88 |
| 20s | $135.19 |
| 30s | $124.94 |
| 40s | $141.86 |
| 50s | $129.98 |
| 60s | $114.20 |
| 70+ | $123.09 |
Check Out Other Rates in Loma, CO Nearby Cities:
Auto coverage explainers for Loma drivers
Colorado sets a legal floor with minimum liability, but it seldom covers a serious injury claim or a newer financed vehicle. The outline below works as a checklist as you line up Loma quotes.
- Bodily injury and property damage liability: Pays for injuries and damage to others when you are at fault. Consider higher limits if you have home equity, savings, or a long commute through denser traffic.
- Collision: After a crash with another car or an object, it covers repairs to your car, less the deductible.
- Comprehensive: Covers losses that are not crashes, like theft, hail, cracked glass, and animal strikes, especially relevant in storm-prone areas.
- Uninsured / underinsured motorist: If the other driver carries little or no coverage, it protects you and your passengers. Before you decline UM/UIM, ask how it works in your state.
- Medical payments / PIP: Pays toward medical bills for you and your passengers after an accident; availability and stacking rules vary by state.
- Rental reimbursement coverage: Keeps you driving during shop time after a covered claim by helping pay for a rental.
- Roadside assistance coverage: On the policy it can undercut a separate club membership and includes towing, battery, and lockout service.
- Umbrella coordination & higher limits: If you carry an umbrella, make sure auto limits meet the carrier’s underlying requirements.
Lenders and lessors almost always require collision and comprehensive on vehicles in Loma. Going without collision is something we can model for older, paid-off vehicles once the out-of-pocket risk is clear to you. Hail and glass deductibles are worth a second look in storm-prone ZIP codes.
Loma driving and insurance context
Around 1,293 people live in Loma and lies within Mesa County. Population stands near 1,293. Following busy storm years, prices along the Front Range can shift fast, because of hail, wind, and wildfire exposure.
Loma commutes frequently mix local arterials with highway stretches, so underwriters weigh both the garaging ZIP and annual miles. Local weather — especially hail, wildfire smoke days, and slick winter driving — also shapes comprehensive claims and, over time, the rates carriers file for the surrounding ZIP codes. The car’s construction, the insurance score where allowed, prior claims, and the precise garaging address all move the quote, so two Loma neighbors driving similar cars may still see different prices.
New to the Mesa County area? Take a few minutes to confirm how you use the vehicle. A minor trim difference on the same model year matters far less than teen drivers, rideshare activity, or a highway-heavy commute. Be specific about how the car is used in your quote request, and we can match carriers that price that profile aggressively.
A detail many Loma drivers miss: how safety features and ownership length interact with discounts. Carriers do not all value anti-theft devices, automatic emergency braking, or continuous coverage the same way. An independent agent can translate those quirks into a shortlist instead of having you re-enter the same application on ten websites.
A practical tip: have the declarations pages from your current policy within reach. Limits, deductibles, and listed drivers are the fastest way to build an apples-to-apples comparison for Loma. If a quote looks dramatically cheaper, check whether liability limits dropped, comprehensive disappeared, or a household driver was omitted.
Ways to lower car insurance rates in Loma
A low binder price is only part of shopping. The durable wins usually come from stacking multi-policy and multi-car credits before you raise deductibles, then re-checking the market every policy term.
- Compare several carriers every renewal. Carrier appetite changes after storm seasons and loss trends. The cheapest Loma carrier changes: last year’s lowest price may not lead today.
- Let the math decide on bundling. Check the combined home-and-auto price, not the auto line by itself; combining is worth it only when the total is lower. Go to /get-a-quote/auto-quote and mention any homeowners or renters policy you already hold.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,173.88, far above adult buckets near $114. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Choose telematics thoughtfully. Usage-based programs can pay off for gentle acceleration and low overnight mileage, but hard braking and late-night driving can erase the benefit.
- Keep coverage continuous. A lapse, even a short one, tends to cost more than the months you skipped.
- Make garaging accurate. Before you bind, correct it if the car sleeps in Loma but is insured elsewhere (or the reverse).
- Ask about paperless, autopay, paid-in-full, and professional affiliations. Each credit is small by itself; together they can move a competitive quote.
Last, document improvements. New roof cameras apply to homes, but a clean Motor Vehicle Record, dash cams, and anti-theft devices can still help many auto applications. Bring those details for your Loma quote review so underwriting does not fill in blanks.
Loma discounts to ask about
- Multi-policy credit — auto plus home or renters coverage.
- Multi-car — more than one vehicle with the same carrier.
- Claims-free / safe driver — clean histories often earn better rates.
- Driver training & good student — worth asking about when teens are on the policy.
- Usage-based / telematics — opt-in programs that reward safer driving.
- Paid-in-full, autopay, and paperless — small discounts that stack together.
- Safety and anti-theft features — depending on the vehicle and carrier.
Discounts never replace shopping. The same advertised discounts do not stop two carriers from landing fifty dollars apart for one Loma driver.
Loma at a glance
Around 1,293 people live in Loma and lies within Mesa County.
For insurance in Loma, local construction, access to fire protection, and regional storm patterns are what count, not big-city tourism headlines.
Homes locally are a single-family mix typical of the Mesa County area; block by block, replacement cost, roof age, and construction type explain most price differences.
Following busy storm years, prices along the Front Range can shift fast, because of hail, wind, and wildfire exposure.
Picking deductibles and limits around local weather
A Loma comprehensive deductible deserves real thought: regional loss data shows hail, smoke days, and slick winter roads. Parking outside? A lower glass deductible may be worthwhile. A higher comprehensive deductible may make sense if you have reserves and want to trim premium on a paid-off vehicle.
Base liability limits on your assets and risk tolerance, not only the state minimum. A serious at-fault accident on a busy corridor near Loma can exceed minimum limits quickly. We will walk through scenarios so you are not buying numbers you do not understand.
Mixed driving records and multi-car households
For Loma households with several cars, driver assignment deserves thought. A frequent, avoidable price spike: putting the priciest driver on the priciest car. Since no two companies rate household drivers the same way, we compare assignment options across carriers.
If someone in the home has a recent ticket or minor accident, do not hide it — underwriting will find it — but do shop markets that are more forgiving for that profile. That is the point of an independent agency: you are not stuck inside one company’s rules.
What Freedom Insurance Group does for Loma drivers
Not every carrier writes every niche, so we check which ones are available for your situation. Our team shops the markets we can reach, lays out the tradeoffs plainly, and helps you choose limits that fit how you drive in Loma and across the Mesa County area.
Talk to an agent at (800) 253-1482, or simply begin your free auto quote on this site. Also shopping for homeowners coverage? Start on the home quote form, and we will compare bundling options with no hard sell.
The drivers and the vehicles, the garaging ZIP, your desired liability limits, and recent claims are the topics of that first conversation. That discovery step is what turns the illustrative averages on this page into a shortlist of bindable options for your household.
Commutes, cars, and storms in Loma
A typical one-way trip to work from Loma takes about 17 minutes, based on the Census Bureau’s 2020–2024 American Community Survey. Of all workers, 90% drive alone.
NOAA’s Storm Events Database lists 2 hail reports within about 5 miles of Loma from 2016 through 2025. Peak hail size reached 1 inch near Loma in March 2019. Hail that size can dent body panels and crack windshields, a comprehensive-coverage claim.
Across about 327 households in Loma, 35% keep three or more vehicles and 46% have exactly two. So multi-car credits and driver-to-vehicle assignment are a big deal for many local families.
By 2020–2024 Census estimates, Loma packs about 1,350 residents into roughly 11 square miles of land, a density of about 124 people per square mile. Spread-out settings bring more highway and rural-road miles, and deer strikes fall under comprehensive, not collision.
NOAA Storm Prediction Center records list 4 tornadoes that began within 10 miles of Loma from 1950 through 2015; the most powerful, rated F0, touched down on April 15, 2000.
Shopping around the area? See our car insurance pages for Fruita (5 mi), Redlands (12 mi), and Grand Junction (15 mi).
Loma-area ZIP codes we insure
81524
Other Colorado coverage options
Loma, CO auto insurance quotes
Freedom Insurance Group compares 25+ carriers for Loma residents. Talk to an agent at (800) 253-1482, or simply begin your free auto quote on this site.
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