Westminster, CO Auto Insurance | Cheap Car Insurance in Westminster, CO

Westminster, CO auto insurance law requires drivers to have 25/50/15 in liability-only insurance. Cheap car insurance in Westminster, CO is available from $27/mo. with Amica Mutual. Westminster, CO auto insurance rates vary from company to company, so it's vital to compare multiple Westminster, CO auto insurance quotes to get the best price.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Can't-Miss Facts

  • The average cost of car insurance in Colorado is $1,757/year or $141/month.
  • Amica and State Farm generally offer the cheapest auto insurance rates in the Westminster area.
  • Westminster, CO auto insurance rates vary by company.

Cheap car insurance in Westminster, CO is offered by Amica, with rates as low as $27 per month. Other Westminster, CO auto insurance companies that operate in Westminster include Farmers, The Hartford, State Farm, and Allied.

Colorado auto insurance requires you to have 25/50/15 minimum in liability coverage, though we recommend carrying more than the minimum in Westminster in the event of a worst-case scenario.

If you want to compare Westminster, CO car insurance quotes, enter your ZIP code in the FREE comparison tool above.

Colorado Auto Insurance Coverage Requirements

According to the Colorado Division of Insurance, these are the state’s minimum requirements for auto insurance:

Colorado Auto Insurance Coverage Requirements
Auto Insurance CoverageCO Coverage RequirementsMost Common Coverage Amounts in CO
Bodily Injury Liability25,000/50,000100,000/300,000
Property Damage Liability15,000100,000
Uninsured Motorist Bodily InjuryNot required100,000/300,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required100 deductible
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While you can choose to simply buy cheap liability coverage in Colorado, you will have to prepare to pay out-of-pocket if you cause an accident, incur hospital bills, or see your vehicle fall victim to weather damage. Most motorists find it easier to buy a full-fledged policy, including comprehensive coverage, rather than deal with a large number of potential bills.

The following video further details comprehensive auto insurance.

Nearly all motorists in Colorado currently pay around $82 monthly for automobile premiums. Westminster motorists, however, may be able to lower their rates drastically. Some may even get insured for $42/month or less.



Westminster, CO Average Monthly Auto Insurance Rates


Legend:
Westminster

Farmers
The Hartford
State Farm
Amica
Allied


5
10
15
20
25
30
35
40
45
50



$50

$52

$44

$27

$46


It appears as if Amica and State Farm are providing the cheapest rates for the average driver in the Westminster area. However, certain conditions may drastically alter that quote. Make sure to do research on prospective auto insurance companies in Westminster, CO and obtain plenty of free auto insurance quotes before making your final decision.

Auto insurance companies consider several elements when determining coverage rates, including marital status, driving violations, type of vehicle owned, years of driving experience, and multiple cars and drivers.

Don’t forget that affordable Westminster, CO auto insurance could alter from company to company. To confirm that you’re still getting rates from the best auto insurance companies in Westminster, enter your ZIP code below.

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Major Factors in Westminster, Colorado Cheap Car Insurance

In the next few subsections, we’ll explore which factors affect car insurance premiums. You as a driver can’t control all of these factors, but you may be able to manage some of them to ensure lower coverage rates.

Your ZIP Code

Insurance agencies need to know your location, or the place you will be driving most often, to gauge the probability of a major accident. Higher population areas entail more vehicles on the road, which increases your chances of getting into an automobile accident. The population of Westminster is 110,945, and the typical household earnings are $63,520.



Colorado Average Monthly Auto Insurance Rates by City


Legend:
Denver
Colorado Springs
Aurora
Fort Collins
Westminster

Farmers
The Hartford
State Farm
Amica
Allied


5
10
15
20
25
30
35
40
45
50
55







$43
$40
$45
$30
$50





$47
$45
$51
$41
$52





$51
$45
$54
$39
$44





$51
$45
$52
$37
$27





$56
$48
$57
$41
$46

Automotive Accidents

The rate of severe accidents in the Westminster area is rather low. This usually leads to local insurance providers offering lower rates; when you live in a safe town, it is much less likely that you will need to file a claim.



Fatal Accidents in Westminster, CO


Legend:
Westminster

Fatal accident count
Vehicles involved in fatal crashes
Fatal crashes involving drunk persons
Fatalities
Persons involved in fatal crashes
Pedestrians involved in fatal accidents


1
2
3
4
5
6
7
8
9
10



4

6

2

4

10

2

Auto Thefts in Westminster

Concerns over auto theft are especially valid for car owners who reside in big towns and cities. The higher the town’s populace, the greater the chance you will have to submit an automobile burglary claim.

In recent years, there have been 322 stolen cars in Westminster. Therefore, you may not necessarily need comprehensive coverage to protect against theft. However, you may still want it to protect against other disasters.



Westminster, CO Average Monthly Basic vs. Comprehensive Auto Insurance Rates


Legend:
Basic Coverage
Comprehensive Coverage

Farmers
The Hartford
State Farm
Amica
Allied


10
20
30
40
50
60
70
80
90




$50
$91


$52
$82


$44
$83


$27
$70


$46
$71

Your Credit Score

If you have a bad credit score, it may be challenging to find affordable insurance costs. A lot of companies will charge you double, or possibly more, for having a bad credit score. However, many auto policy providers in Westminster may offer reduced rates no matter the state of your credit.



Westminster, CO Average Monthly Auto Insurance Rates by Credit Score


Legend:
Excellent Credit
Poor Credit

Farmers
The Hartford
State Farm
Amica
Allied


10
20
30
40
50
60
70




$32
$77


$39
$70


$29
$61


$23
$54


$44
$55


According to the Federal Trade Commission, consumers with good credit scores pay less for auto insurance because they’re less likely to file claims.

Your Age

Young drivers tend to receive higher insurance rates due to their inexperience. However, there are many Good Student discounts available, and motorists education classes may also help to lower rates.



Westminster, CO Average Monthly Auto Insurance Rates by Age


Legend:
34 Year Old
17 Year Old

Farmers
The Hartford
State Farm
Amica
Allied


50
100
150
200
250
300
350
400




$50
$435


$52
$183


$44
$112


$27
$99


$46
$157

Your Driving Record

Numerous moving violations on your driving record may cause your insurance rates to skyrocket, and some companies may even deny you coverage.

If you only have a few minor infractions on your record, ask your agent about Accident Forgiveness discount rates. It could save you a good deal every month.



Westminster, CO Average Monthly Auto Insurance Rates by Driving History


Legend:
Perfect Record
Minor Speeding Ticket
DUI/Reckless Driving
Major At-Fault Accident

Farmers
The Hartford
State Farm
Amica
Allied


10
20
30
40
50
60
70






$37
$40
$47
$42




$44
$45
$50
$53




$30
$34
$34
$37




$27
$29
$33
$34




$49
$52
$75
$59


You can expect similar auto insurance rates when you take out non-owner car insurance or SR-22 insurance in Westminster, CO. Typically, non-owner car insurance and SR-22 car insurance are more expensive than standard coverage.

Your Vehicle

Ever question why it’s a lot more to insure an extravagance vehicle than, say, a Ford Fiesta? Auto guidelines aren’t instantly more costly for luxury automobiles. You’ll have to purchase additional coverage options, and higher amounts of them, to safeguard this type of vehicle correctly. This will also drastically improve your monthly premium.



Westminster, CO Average Monthly Auto Insurance Rates by Make and Model


Legend:
2015 Honda Accord
2012 Porsche Boxster Spyder

Farmers
The Hartford
State Farm
Amica
Allied


10
20
30
40
50
60
70
80
90
100
110




$50
$90


$52
$116


$44
$108


$27
$103


$46
$79


Get affordable car insurance in Westminster, CO, today. Enter your ZIP code in the FREE comparison tool to get started.

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Minor Factors in Cheap Auto Insurance in Westminster, Colorado

Your Marital Status

If you are married, you can obtain a quick and straightforward discount by bundling your car insurance plan with your spouse. Just make sure that you are both insured by the same company.

Your Gender

Unlike a couple of decades ago, most providers nowadays will not charge significantly different premiums for different genders. Companies that do provide different rates for men and women never vary more than two to three percent between genders.

Your Driving Distance to Work

Westminster isn’t one of the easiest cities to navigate. Over 78 percent of residents depend on their personal vehicle to get around, which may be partly responsible for average commute times ranging between 30-35 minutes. Less than nine percent will likely carpool.

If you need to insure your automobile for business reasons, you may find that your premium will increase by 10-13 percent per month. The amount you drive is less costly; you can add a few more thousand miles to your odometer every year than the average driver and only pay a five to six percent difference.

Your Coverage & Deductibles

If you feel your payment per month is simply too high, speak to your insurance professional about modifying your deductible. By raising it, or saying yes to pay a greater amount if you have to file a claim, your provider will decrease your monthly insurance payments.

Education in Westminster, CO

More than a quarter of Westminster’s population has earned a high school diploma or its equivalent. Another 22 percent of locals have gone on to complete a four-year degree. If you happen to have a higher education, be sure to contact your insurance provider about discounts and lower rates that are available to well-educated drivers.

Westminster is conveniently close to many major universities in the Denver area, but there are educational opportunities for those who don’t want to travel outside of Westminster. Front Range Community College can help you earn an associate’s degree or prepare you to transfer to a major university. Westminster is also home to the Belleview College & Seminary.

Auto insurance is the most significant investment you can make as the owner of a vehicle. Be sure to find a sincere, responsible provider. Various insurance agencies are better at following through on their promises than others, and performing a thorough web-based search will help you separate the favorable from the undesirable.

You can find the top car insurance companies using our FREE comparison tool. Enter your ZIP code to get the cheapest auto near you.

How We Conducted Our Auto Insurance Analysis

We calculated our average rate based on the following metrics: a married, 34-year-old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, and who owns his own home.

Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.

It’s not too late to compare auto insurance in Westminster, CO. Find cheap car insurance using our FREE comparison tool. Enter your ZIP code below to begin.

Enter your ZIP code below to compare auto insurance rates.

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Frequently Asked Questions: Westminster, CO Auto Insurance

#1 – Who has the cheapest auto insurance in Colorado?

The top five cheapest car insurance companies in Colorado are Geico, Esurance, Allstate, State Farm, and American Family.

#2 – What is the average cost of auto insurance in Colorado?

The average cost of car insurance in Colorado is $1,757/year or $141/month.

#3 – Who has the cheapest auto insurance for seniors?

In most states, Allstate is the cheapest auto insurance for seniors.

#4 – Who actually has the cheapest auto insurance?

Overall, USAA, Geico, and State Farm are the cheapest car insurance companies in the United States.

#5 – Why is Colorado auto insurance so high?

Colorado is known for its winter tourism and densely populated metropolitan areas. With more people living and visiting Colorado areas, your chances of getting into an accident or filing a claim are higher than other states.

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