4.8out of 3,000+ reviews

Cheap Auto Insurance Quotes in Westminster, CO (July 2022)

Secure. Free. Easy-to-use.
Advertising disclosures
auto insurance

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.
Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Westminster, CO

The average cost of Colorado car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Westminster, CO to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Westminster is $223 per month, or $2676 annually.
  • Car insurance in Westminster is $36 more than the average cost of car insurance in Colorado.
  • The cheapest car insurance provider in Westminster on average is Progressive, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

State Farm
$121
Nationwide
$146
Travelers
$213
American Family
$222
The General
$230

Cheapest Car Insurance in Westminster, CO

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in WestminsterQuotes
State Farm$121 /mo
Nationwide$146 /mo
Travelers$213 /mo
American Family$222 /mo
The General$230 /mo

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required

Average Car Insurance Cost

Colorado Cities
Denver$236/mo
Colorado Springs$215/mo
Aurora$228/mo
Fort Collins$142/mo
Westminster$186/mo
Colorado$201/mo
Fort Collins
$142
Westminster
$186
Average for CO
$201
Colorado Springs
$215
Aurora
$228
Denver
$236
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Colorado

All motor vehicles operated or parked on Colorado roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Colorado[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Colorado is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Find local Westminster agents

  • RSS Insurance Services

    3640 W 112th Ave,
    Westminster, CO 80031
  • Howard JW Insurance Group

    1499 West 120th Ave Ste 110,
    Westminster, CO 80234
  • Pacello Insurance Agency

    8774 Yates Dr Ste 300,
    Westminster, CO 80031-6963
  • Aloha Insurance LLC

    8753 Yates Dr Ste 200,
    Westminster, CO 80031-6946
  • Prindiville Insurance Agency

    11567 Decatur St.,
    Westminster, CO 80234
  • Richard Wilson Agency

    7280. Irving St Suite A-101 ,
    Westminster, CO 80030
  • Dave Finnie Insurance Agency

    8774 Yates Dr Ste 300,
    Westminster, CO 80031-6963
  • Financial Dimensions, Ltd.

    4800 W 80th Avenue,
    Westminster, CO 80030
  • North Metro Insurance

    8774 Yates Dr Ste 300,
    Westminster, CO 80031-6963
  • D M Pergola Agency Inc

    7190 Julian Way,
    Westminster, CO 80030-5344
View more

FAQs - Westminster, CO Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Westminster Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Westminster, Colorado below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Westminster drivers measure up to their fellow motorists across Colorado in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Accord

Most Popular Car in Westminster

#19

City with the Most Speeding Tickets Rank in Colorado

#12

City with the Most Moving Violations Rank in Colorado

#14

City with the Most DUIs Rank in Colorado

#19

City with the Most Suspended Licenses in Colorado

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Westminster drivers rank 3 in the number of car accidents per driver across all cities in Colorado.

    • Rank within state: #3
    • Percent of drivers in Westminster with an accident: 13.14%
    • Drivers in Westminster, CO with an accident in their driving history pay on average 29.95% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Colorado, Westminster drivers rank 19 in the number of speeding infractions per driver.

    • Rank within state: #19
    • Percent of drivers in Westminster with a speeding ticket: 11.68%
    • Drivers in Westminster, CO with a speeding ticket in their driving history pay on average 38.16% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Westminster drivers rank 14 in the number of DUI’s per driver across all cities in Colorado.

    • Rank within state: #14
    • Percent of drivers in Westminster with a DUI: 2.43%
    • Drivers in Westminster, CO with a DUI in their driving history pay on average 0% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Westminster is the Honda Accord.

  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Westminster drivers rank 13 in hybrid and electric vehicle ownership across all cities in Colorado.

    • Rank within state: #13
    • Percent of drivers in Westminster with a hybrid/electric vehicle: 1.32%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Insurance Content Project Manager

Tanveen Vohra is an insurance content project manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. Colorado General Assembly. "State Minimum Car Insurance Requirements." Accessed May 28, 2022