Compare Rates and Save on Auto Insurance

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Your driving record and coverage requirements will determine the best and cheapest car insurance provider for your needs. For instance, American National P&C offers the cheapest auto insurance in Westminster for full and minimum coverage policies. It also offers the least expensive rates to drivers with offenses and those with a military background.

American National P&C is also ranked as the best overall and best cheap auto insurance company in Westminster. We found that Kemper offers the most affordable rates to teen drivers, while Acuity is ideal for drivers who value customer service.

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2023

Cheapest and Best Car Insurance in Westminster, CO

Cheapest Minimum Liability Car Insurance in Westminster

The following insurers offer the cheapest minimum coverage policies in Westminster:

  • American National P&C: $211 per year
  • Colorado Farm Bureau: $308 per year

Our research revealed that Allstate offers the most expensive annual premiums at $668. American National P&C is also the cheapest auto insurance provider in Colorado, with annual premiums of about $216.

Company
Annual Premium
Monthly Premium

American National P&C

$211

$18

American National P&C

$242

$20

American National P&C

$254

$21

Colorado Farm Bureau

$308

$26

GEICO

$339

$28

GEICO

$373

$31

GEICO

$378

$32

Auto-Owners Insurance Co

$385

$32

Auto-Owners Insurance Co

$388

$32

State Farm

$388

$32

American Family

$406

$34

State Farm

$413

$34

American Family

$437

$36

Colorado Farm Bureau

$443

$37

Kemper

$467

$39

Nationwide

$470

$39

Nationwide

$482

$40

American National P&C

$503

$42

American National P&C

$504

$42

Progressive

$511

$43

Kemper

$521

$43

State Farm

$531

$44

Farmers Union Insurance

$532

$44

Progressive

$533

$44

Kemper

$544

$45

American Family

$546

$45

Auto-Owners Insurance Co

$553

$46

Acuity

$554

$46

Colorado Farm Bureau

$570

$47

Farmers Union Insurance

$583

$49

Progressive

$598

$50

Farmers Union Insurance

$604

$50

Acuity

$619

$52

American National P&C

$626

$52

Allstate

$642

$53

Farmers

$645

$54

Allstate

$668

$56

Nationwide

$672

$56

Farmers

$672

$56

GEICO

$696

$58

GEICO

$719

$60

Allstate

$758

$63

Farmers

$790

$66

GEICO

$791

$66

Colorado Farm Bureau

$799

$67

Acuity

$808

$67

State Farm

$812

$68

American Family

$820

$68

State Farm

$891

$74

American Family

$930

$78

Nationwide

$937

$78

Auto-Owners Insurance Co

$942

$79

Progressive

$944

$79

Progressive

$951

$79

Allstate

$974

$81

Colorado Farm Bureau

$984

$82

Auto-Owners Insurance Co

$1,019

$85

Nationwide

$1,038

$87

Allstate

$1,047

$87

Kemper

$1,113

$93

American Family

$1,163

$97

Progressive

$1,163

$97

State Farm

$1,166

$97

Farmers Union Insurance

$1,184

$99

Kemper

$1,194

$100

Farmers

$1,229

$102

Colorado Farm Bureau

$1,241

$103

Allstate

$1,265

$105

Farmers

$1,268

$106

Farmers Union Insurance

$1,283

$107

Acuity

$1,310

$109

Acuity

$1,319

$110

Nationwide

$1,343

$112

Kemper

$1,405

$117

Auto-Owners Insurance Co

$1,414

$118

Farmers Union Insurance

$1,475

$123

Farmers

$1,529

$127

Acuity

$1,833

$153

In Colorado, liability-only policies must include the following bodily injury and property damage limits at a minimum:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Liability-only policies cover damages to the other driver and their vehicle if you’re found at fault in an accident. For instance, a policy with the coverage limits above would cover $25,000 in medical expenses per person up to $50,000 per accident. You will be responsible for any costs that exceed these limits.

Cheapest Full Coverage Car Insurance in Westminster

In Westminster, the following insurers offer the cheapest full coverage policies:

  • American National P&C: $503 per year
  • GEICO: $696 per year

Acuity is the most expensive provider for a full coverage policy, with annual premiums averaging around $1,310. If you're looking for the cheapest full coverage auto insurance in Colorado, American National P&C charges around $541 per year.

Company
Annual Premium
Monthly Premium

American National P&C

$211

$18

American National P&C

$242

$20

American National P&C

$254

$21

Colorado Farm Bureau

$308

$26

GEICO

$339

$28

GEICO

$373

$31

GEICO

$378

$32

Auto-Owners Insurance Co

$385

$32

Auto-Owners Insurance Co

$388

$32

State Farm

$388

$32

American Family

$406

$34

State Farm

$413

$34

American Family

$437

$36

Colorado Farm Bureau

$443

$37

Kemper

$467

$39

Nationwide

$470

$39

Nationwide

$482

$40

American National P&C

$503

$42

American National P&C

$504

$42

Progressive

$511

$43

Kemper

$521

$43

State Farm

$531

$44

Farmers Union Insurance

$532

$44

Progressive

$533

$44

Kemper

$544

$45

American Family

$546

$45

Auto-Owners Insurance Co

$553

$46

Acuity

$554

$46

Colorado Farm Bureau

$570

$47

Farmers Union Insurance

$583

$49

Progressive

$598

$50

Farmers Union Insurance

$604

$50

Acuity

$619

$52

American National P&C

$626

$52

Allstate

$642

$53

Farmers

$645

$54

Allstate

$668

$56

Nationwide

$672

$56

Farmers

$672

$56

GEICO

$696

$58

GEICO

$719

$60

Allstate

$758

$63

Farmers

$790

$66

GEICO

$791

$66

Colorado Farm Bureau

$799

$67

Acuity

$808

$67

State Farm

$812

$68

American Family

$820

$68

State Farm

$891

$74

American Family

$930

$78

Nationwide

$937

$78

Auto-Owners Insurance Co

$942

$79

Progressive

$944

$79

Progressive

$951

$79

Allstate

$974

$81

Colorado Farm Bureau

$984

$82

Auto-Owners Insurance Co

$1,019

$85

Nationwide

$1,038

$87

Allstate

$1,047

$87

Kemper

$1,113

$93

American Family

$1,163

$97

Progressive

$1,163

$97

State Farm

$1,166

$97

Farmers Union Insurance

$1,184

$99

Kemper

$1,194

$100

Farmers

$1,229

$102

Colorado Farm Bureau

$1,241

$103

Allstate

$1,265

$105

Farmers

$1,268

$106

Farmers Union Insurance

$1,283

$107

Acuity

$1,310

$109

Acuity

$1,319

$110

Nationwide

$1,343

$112

Kemper

$1,405

$117

Auto-Owners Insurance Co

$1,414

$118

Farmers Union Insurance

$1,475

$123

Farmers

$1,529

$127

Acuity

$1,833

$153

Full coverage includes collision and comprehensive insurance, so it's a good option for drivers who prefer a higher level of protection.

  • Collision Insurance: This covers any damage to your car resulting from a collision with an object or another car.
  • Comprehensive Insurance: This pays for car damages caused by natural disasters, animals, theft and vandalism.

Full coverage policies may be more suitable for drivers with newer cars that want to safeguard their investment. It may not be worth the added cost for drivers with older vehicles.

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Cheapest Car Insurance in Westminster After a Driving Offense

American National P&C offers the cheapest car insurance rates in Westminster for drivers with offenses. There are its rates:

  • Speeding ticket: American National P&C ($590 per year)
  • At-fault accident: American National P&C ($684 per year)
  • DUI: American National P&C ($764 per year)

Acuity offers the most expensive rates for drivers with a speeding ticket, an at-fault accident and a DUI, at $2,944 per year. Insurance premiums are typically higher for drivers with poor records. Even cheap rates for drivers with offenses will be more expensive than average rates for safe drivers.

Company
Annual Premium
Monthly Premium

American National P&C

$256

$21

American National P&C

$294

$25

American National P&C

$305

$25

American National P&C

$308

$26

American National P&C

$346

$29

American National P&C

$350

$29

American National P&C

$365

$30

Colorado Farm Bureau

$388

$32

American National P&C

$396

$33

GEICO

$405

$34

Colorado Farm Bureau

$410

$34

American National P&C

$414

$35

State Farm

$432

$36

State Farm

$432

$36

Auto-Owners Insurance Co

$443

$37

Auto-Owners Insurance Co

$446

$37

GEICO

$447

$37

American Family

$453

$38

American Family

$453

$38

Colorado Farm Bureau

$454

$38

American Family

$457

$38

State Farm

$458

$38

State Farm

$458

$38

State Farm

$475

$40

American Family

$488

$41

American Family

$488

$41

American Family

$492

$41

GEICO

$495

$41

State Farm

$504

$42

GEICO

$557

$46

Colorado Farm Bureau

$559

$47

Nationwide

$565

$47

Nationwide

$577

$48

Progressive

$585

$49

State Farm

$589

$49

State Farm

$589

$49

American National P&C

$590

$49

Colorado Farm Bureau

$591

$49

American National P&C

$599

$50

American Family

$611

$51

American Family

$611

$51

American Family

$617

$51

Kemper

$622

$52

GEICO

$624

$52

Auto-Owners Insurance Co

$636

$53

Progressive

$646

$54

Progressive

$648

$54

State Farm

$649

$54

Colorado Farm Bureau

$653

$54

Progressive

$678

$57

American National P&C

$684

$57

Auto-Owners Insurance Co

$685

$57

Auto-Owners Insurance Co

$690

$57

Kemper

$693

$58

GEICO

$697

$58

American National P&C

$698

$58

Allstate

$700

$58

GEICO

$709

$59

Colorado Farm Bureau

$718

$60

Progressive

$719

$60

Kemper

$720

$60

Kemper

$724

$60

Allstate

$730

$61

Farmers Union Insurance

$732

$61

American National P&C

$738

$62

Nationwide

$743

$62

Progressive

$743

$62

Nationwide

$758

$63

Colorado Farm Bureau

$760

$63

American National P&C

$764

$64

Nationwide

$767

$64

American National P&C

$784

$65

Farmers

$792

$66

Kemper

$803

$67

GEICO

$816

$68

Farmers Union Insurance

$818

$68

Allstate

$820

$68

Allstate

$836

$70

Progressive

$836

$70

Kemper

$838

$70

Colorado Farm Bureau

$840

$70

Farmers Union Insurance

$848

$71

Allstate

$859

$72

American National P&C

$859

$72

Allstate

$859

$72

Auto-Owners Insurance Co

$866

$72

GEICO

$872

$73

Auto-Owners Insurance Co

$872

$73

Farmers

$879

$73

Farmers Union Insurance

$886

$74

State Farm

$890

$74

State Farm

$890

$74

Allstate

$901

$75

Farmers

$912

$76

Farmers Union Insurance

$928

$77

Nationwide

$932

$78

Farmers

$935

$78

Farmers Union Insurance

$937

$78

Progressive

$944

$79

American Family

$946

$79

American Family

$946

$79

Progressive

$947

$79

Nationwide

$947

$79

GEICO

$956

$80

Farmers

$959

$80

American National P&C

$961

$80

State Farm

$968

$81

Colorado Farm Bureau

$970

$81

State Farm

$974

$81

State Farm

$974

$81

American Family

$976

$81

Auto-Owners Insurance Co

$984

$82

GEICO

$988

$82

Allstate

$995

$83

Colorado Farm Bureau

$996

$83

Nationwide

$996

$83

Farmers Union Insurance

$1,010

$84

Farmers Union Insurance

$1,013

$84

Farmers

$1,017

$85

Colorado Farm Bureau

$1,031

$86

GEICO

$1,032

$86

Allstate

$1,048

$87

Auto-Owners Insurance Co

$1,055

$88

Farmers

$1,055

$88

Farmers

$1,056

$88

State Farm

$1,057

$88

American Family

$1,072

$89

American Family

$1,072

$89

Allstate

$1,078

$90

Farmers

$1,105

$92

American Family

$1,106

$92

Progressive

$1,121

$93

Nationwide

$1,131

$94

Auto-Owners Insurance Co

$1,134

$94

Allstate

$1,160

$97

Kemper

$1,167

$97

Progressive

$1,180

$98

Nationwide

$1,185

$99

Farmers Union Insurance

$1,195

$100

Colorado Farm Bureau

$1,220

$102

GEICO

$1,222

$102

Colorado Farm Bureau

$1,230

$102

Nationwide

$1,233

$103

Auto-Owners Insurance Co

$1,244

$104

Progressive

$1,249

$104

State Farm

$1,278

$107

State Farm

$1,278

$107

Allstate

$1,293

$108

Kemper

$1,300

$108

Colorado Farm Bureau

$1,301

$108

Progressive

$1,317

$110

Progressive

$1,345

$112

American Family

$1,346

$112

American Family

$1,346

$112

Kemper

$1,357

$113

Allstate

$1,361

$113

GEICO

$1,376

$115

Acuity

$1,382

$115

Acuity

$1,382

$115

Acuity

$1,382

$115

State Farm

$1,390

$116

American Family

$1,391

$116

Allstate

$1,393

$116

Allstate

$1,413

$118

Kemper

$1,418

$118

Allstate

$1,468

$122

Nationwide

$1,481

$123

Progressive

$1,481

$123

GEICO

$1,486

$124

GEICO

$1,517

$126

Kemper

$1,526

$127

Auto-Owners Insurance Co

$1,527

$127

Acuity

$1,536

$128

Acuity

$1,536

$128

Acuity

$1,536

$128

Nationwide

$1,537

$128

Colorado Farm Bureau

$1,548

$129

Colorado Farm Bureau

$1,559

$130

Auto-Owners Insurance Co

$1,581

$132

Kemper

$1,584

$132

Progressive

$1,600

$133

Farmers

$1,608

$134

Nationwide

$1,608

$134

Auto-Owners Insurance Co

$1,617

$135

Farmers Union Insurance

$1,632

$136

Farmers

$1,645

$137

Colorado Farm Bureau

$1,657

$138

Kemper

$1,710

$142

Allstate

$1,718

$143

Progressive

$1,734

$145

GEICO

$1,736

$145

Kemper

$1,781

$148

Farmers

$1,782

$149

Allstate

$1,814

$151

Farmers Union Insurance

$1,824

$152

Farmers

$1,848

$154

Farmers

$1,856

$155

Progressive

$1,864

$155

Nationwide

$1,866

$155

Farmers

$1,868

$156

Auto-Owners Insurance Co

$1,879

$157

Farmers Union Insurance

$1,898

$158

Farmers

$1,909

$159

GEICO

$1,914

$159

Farmers Union Insurance

$1,971

$164

Auto-Owners Insurance Co

$1,977

$165

Kemper

$1,983

$165

Nationwide

$1,988

$166

Nationwide

$1,993

$166

Farmers Union Insurance

$1,997

$166

Acuity

$2,033

$169

Acuity

$2,033

$169

Acuity

$2,033

$169

Farmers

$2,045

$170

Farmers

$2,114

$176

Farmers Union Insurance

$2,114

$176

Farmers Union Insurance

$2,169

$181

Auto-Owners Insurance Co

$2,282

$190

Farmers Union Insurance

$2,327

$194

Nationwide

$2,373

$198

Farmers Union Insurance

$2,424

$202

Kemper

$2,606

$217

Auto-Owners Insurance Co

$2,805

$234

Kemper

$2,813

$234

Acuity

$2,944

$245

Acuity

$2,944

$245

Acuity

$2,944

$245

Acuity

$3,007

$251

Acuity

$3,007

$251

Acuity

$3,007

$251

Kemper

$3,278

$273

Acuity

$4,186

$349

Acuity

$4,186

$349

Acuity

$4,186

$349

Typically, car insurance premiums increase in proportion to the severity of the driving offense. For example, drivers with a DUI pay $349 more than drivers with a speeding ticket. Although rates may be higher, you can still find relatively cheap car insurance with a bad driving record.

Cheapest Car Insurance in Westminster for Teens and Their Families

The following are the most affordable auto insurance companies in Westminster for a 16-year-old driver on a family policy:

  • Kemper: $2,055 per year for female teens; $1,417 per year for male teens
  • GEICO: $2,161 per year for female teens; $2,279 per year for male teens

Farmers is the most expensive insurer in the city, with policies costing around $4,642 per year for female teens and $4,948 per year for male teens.

In Westminster, the cheapest insurer, Kemper, charges male teens approximately $641 less than female teens for car insurance.This is atypical, as most insurers charge male teens more. Any cost discrepancy tends to decrease as teens approach early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$1,013

$2,053

Kemper

$1,034

$3,161

Kemper

$1,107

$9,355

State Farm

$1,109

$2,248

State Farm

$1,159

$2,669

State Farm

$1,197

$2,425

Kemper

$1,200

$5,883

GEICO

$1,226

$2,274

Kemper

$1,236

$2,949

GEICO

$1,309

$1,630

GEICO

$1,331

$1,723

GEICO

$1,332

$2,441

Kemper

$1,351

$11,419

GEICO

$1,386

$1,727

Kemper

$1,417

$15,174

Kemper

$1,417

$7,971

Kemper

$1,417

$5,200

Kemper

$1,424

$4,355

Kemper

$1,425

$6,986

GEICO

$1,428

$1,850

GEICO

$1,453

$1,809

GEICO

$1,458

$2,057

GEICO

$1,482

$2,218

GEICO

$1,483

$1,920

GEICO

$1,507

$6,906

Kemper

$1,510

$4,793

Kemper

$1,510

$4,617

Kemper

$1,544

$7,509

Nationwide

$1,555

$2,574

Nationwide

$1,565

$2,481

Kemper

$1,574

$4,313

Nationwide

$1,607

$3,265

GEICO

$1,607

$7,057

Kemper

$1,623

$3,872

Kemper

$1,631

$3,893

State Farm

$1,657

$2,338

Nationwide

$1,659

$3,577

GEICO

$1,665

$7,309

GEICO

$1,695

$3,778

Nationwide

$1,726

$2,736

Kemper

$1,741

$6,215

State Farm

$1,750

$2,869

GEICO

$1,751

$3,800

Kemper

$1,754

$5,569

Nationwide

$1,759

$3,056

Nationwide

$1,797

$2,974

State Farm

$1,806

$2,547

Nationwide

$1,814

$3,332

Nationwide

$1,819

$2,884

GEICO

$1,822

$3,380

Allstate

$1,840

$3,037

Allstate

$1,840

$3,037

GEICO

$1,848

$3,387

Nationwide

$1,892

$3,132

State Farm

$1,913

$3,120

Allstate

$1,915

$5,749

Allstate

$1,915

$5,749

Allstate

$1,917

$2,555

Allstate

$1,917

$2,555

Kemper

$1,949

$9,476

Allstate

$1,974

$2,631

Allstate

$1,974

$2,631

State Farm

$1,976

$2,787

State Farm

$1,985

$3,639

State Farm

$1,986

$3,255

Auto-Owners Insurance Co

$1,987

$4,282

Auto-Owners Insurance Co

$1,989

$4,379

Allstate

$2,012

$2,818

Allstate

$2,012

$2,818

Allstate

$2,041

$2,721

Allstate

$2,041

$2,721

Kemper

$2,055

$12,990

Auto-Owners Insurance Co

$2,092

$4,606

Allstate

$2,121

$3,925

Allstate

$2,121

$3,925

State Farm

$2,125

$3,426

Allstate

$2,145

$3,540

Allstate

$2,145

$3,540

GEICO

$2,161

$14,096

Nationwide

$2,163

$5,191

Auto-Owners Insurance Co

$2,164

$4,663

Auto-Owners Insurance Co

$2,168

$5,227

Auto-Owners Insurance Co

$2,216

$4,880

State Farm

$2,254

$4,131

Nationwide

$2,269

$6,465

GEICO

$2,279

$13,003

Auto-Owners Insurance Co

$2,292

$5,701

Nationwide

$2,303

$6,040

Nationwide

$2,329

$4,732

Auto-Owners Insurance Co

$2,372

$5,112

Auto-Owners Insurance Co

$2,380

$6,302

Auto-Owners Insurance Co

$2,389

$5,540

Farmers

$2,390

$3,079

Nationwide

$2,396

$7,143

Nationwide

$2,413

$6,877

Nationwide

$2,450

$5,283

Nationwide

$2,450

$7,426

State Farm

$2,464

$4,513

State Farm

$2,467

$3,977

Progressive

$2,472

$3,502

GEICO

$2,494

$11,427

Farmers

$2,525

$3,387

Progressive

$2,534

$2,592

State Farm

$2,553

$4,680

Allstate

$2,559

$7,680

Allstate

$2,559

$7,680

Progressive

$2,560

$2,612

State Farm

$2,566

$5,299

Nationwide

$2,590

$8,222

Auto-Owners Insurance Co

$2,595

$6,017

Nationwide

$2,607

$7,902

Auto-Owners Insurance Co

$2,613

$6,617

Progressive

$2,617

$3,758

Allstate

$2,618

$10,149

Allstate

$2,618

$10,149

Auto-Owners Insurance Co

$2,703

$7,158

Auto-Owners Insurance Co

$2,726

$8,193

Progressive

$2,817

$2,874

State Farm

$2,825

$5,138

Progressive

$2,912

$3,334

Progressive

$2,919

$2,986

Progressive

$2,926

$4,702

Progressive

$2,987

$4,231

Progressive

$2,992

$3,446

Progressive

$3,006

$3,068

Auto-Owners Insurance Co

$3,098

$7,225

Progressive

$3,148

$3,221

Progressive

$3,199

$5,269

State Farm

$3,215

$5,846

State Farm

$3,229

$6,629

Auto-Owners Insurance Co

$3,308

$9,349

Progressive

$3,309

$4,751

Auto-Owners Insurance Co

$3,398

$8,603

Auto-Owners Insurance Co

$3,407

$7,946

Farmers

$3,434

$2,724

Farmers

$3,493

$2,771

Progressive

$3,497

$10,192

Farmers

$3,504

$2,780

Farmers

$3,534

$2,938

Farmers

$3,552

$2,919

Farmers

$3,594

$2,953

Farmers

$3,660

$3,008

Farmers

$3,687

$3,241

Auto-Owners Insurance Co

$3,709

$10,482

Auto-Owners Insurance Co

$3,712

$11,643

Progressive

$3,778

$10,661

Progressive

$3,809

$11,289

Farmers

$3,831

$6,079

Farmers

$3,927

$12,743

Farmers

$3,975

$6,525

Progressive

$4,079

$11,627

Farmers

$4,148

$13,850

Progressive

$4,180

$12,183

Farmers

$4,339

$14,080

Farmers

$4,384

$5,648

Progressive

$4,505

$13,351

Farmers

$4,538

$6,088

Farmers

$4,622

$15,432

Farmers

$4,642

$18,371

Farmers

$4,948

$20,278

To save money, teen drivers can join a family policy instead of purchasing an individual policy. In Westminster, the average annual premium for a 16-year-old male teen on a family policy is $2,939 per year, at least $3,923 less than the average cost of purchasing an individual policy. To get the cheapest auto insurance for teenagers, you can compare provider’s rates and look for key discounts.

Cheapest Car Insurance in Westminster for Military Drivers

The following are the cheapest auto insurance providers for military personnel and their families:

  • American National P&C: $503 per year
  • GEICO: $696 per year

USAA is another excellent option for military drivers at $747 per year. Its policies cater exclusively to military-affiliated drivers and their families. The cheapest rates for minimum coverage policies are offered by American National P&C and USAA, at $211 and $291 per year, respectively.

Company
Annual Premium
Monthly Premium

American National P&C

$211

$18

American National P&C

$242

$20

American National P&C

$254

$21

USAA

$291

$24

Colorado Farm Bureau

$308

$26

USAA

$325

$27

GEICO

$339

$28

GEICO

$373

$31

USAA

$377

$31

GEICO

$378

$32

Auto-Owners Insurance Co

$385

$32

Auto-Owners Insurance Co

$388

$32

State Farm

$388

$32

American Family

$406

$34

State Farm

$413

$34

American Family

$437

$36

Colorado Farm Bureau

$443

$37

Kemper

$467

$39

Nationwide

$470

$39

Nationwide

$482

$40

American National P&C

$503

$42

American National P&C

$504

$42

Progressive

$511

$43

Kemper

$521

$43

State Farm

$531

$44

Farmers Union Insurance

$532

$44

Progressive

$533

$44

Kemper

$544

$45

American Family

$546

$45

Auto-Owners Insurance Co

$553

$46

Acuity

$554

$46

Colorado Farm Bureau

$570

$47

Farmers Union Insurance

$583

$49

Progressive

$598

$50

Farmers Union Insurance

$604

$50

Acuity

$619

$52

American National P&C

$626

$52

Allstate

$642

$53

Farmers

$645

$54

Allstate

$668

$56

Nationwide

$672

$56

Farmers

$672

$56

GEICO

$696

$58

GEICO

$719

$60

USAA

$747

$62

Allstate

$758

$63

USAA

$762

$63

Farmers

$790

$66

GEICO

$791

$66

Colorado Farm Bureau

$799

$67

Acuity

$808

$67

State Farm

$812

$68

American Family

$820

$68

State Farm

$891

$74

American Family

$930

$78

Nationwide

$937

$78

Auto-Owners Insurance Co

$942

$79

Progressive

$944

$79

Progressive

$951

$79

USAA

$954

$79

Allstate

$974

$81

Colorado Farm Bureau

$984

$82

Auto-Owners Insurance Co

$1,019

$85

Nationwide

$1,038

$87

Allstate

$1,047

$87

Kemper

$1,113

$93

Progressive

$1,163

$97

American Family

$1,163

$97

State Farm

$1,166

$97

Farmers Union Insurance

$1,184

$99

Kemper

$1,194

$100

Farmers

$1,229

$102

Colorado Farm Bureau

$1,241

$103

Allstate

$1,265

$105

Farmers

$1,268

$106

Farmers Union Insurance

$1,283

$107

Acuity

$1,310

$109

Acuity

$1,319

$110

Nationwide

$1,343

$112

Kemper

$1,405

$117

Auto-Owners Insurance Co

$1,414

$118

Farmers Union Insurance

$1,475

$123

Farmers

$1,529

$127

Acuity

$1,833

$153

How to Compare Cheap Westminster Car Insurance Quotes Online

Inputting the personal information required to receive a single quote can take up to 15 minutes. Completing this process multiple times for different providers can be time consuming.

Fortunately, MoneyGeek's auto insurance calculator can quickly generate a quote. Simply input your age, car make and model, driving record and desired coverage level to receive your results.

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USAA

Best Car Insurance in Westminster: Summary

The best insurer for you will vary based on how much you value coverage options, affordability and customer service. We selected top-performing firms in each category:

  • Best overall: American National P&C (MoneyGeek score of 83 out of 100)
  • Best for service: Acuity (MoneyGeek score of 78 out of 100)
  • Best cheap: American National P&C (MoneyGeek score of 83 out of 100)

An insurer’s overall MoneyGeek score may vary depending on how factors were weighted in that category. As the decisive winner in two categories, it should come as no surprise that American National P&C is also the best car insurance company in Colorado. Those with a military background may also consider USAA, as the insurer earned a high MoneyGeek score of 75 out of 100 for its military-exclusive policies.

Best Overall Car Insurance in Westminster

Based on affordability and customer service, the following insurers are the best car insurance providers in Westminster:

  • American National P&C: MoneyGeek score of 83 out of 100 ($503 per year)
  • GEICO: MoneyGeek score of 68 out of 100 ($696 per year)

Compared to the 11 ranked providers in our analysis, American National P&C has the most affordable premiums and the third-highest customer satisfaction rating. With a MoneyGeek score of 75 out of 100, USAA is also an excellent option for military-affiliated drivers.

How was this MoneyGeek score calculated?

American National P&C

pros

Has the cheapest average premium at $503 per year

Has the third-highest customer service rating

Provides spare parts coverage

cons

Has a low claims management rating

Does not offer accident forgiveness

COMPANY HIGHLIGHTS

American National P&C stood out as the best auto insurance provider in Westminster, offering exceptional service at affordable rates. Although the number of available add-on options is limited, American National P&C offers coverages that can benefit virtually all types of drivers.

Spare parts coverage from American National P&C is a unique add-on coverage that is not commonly offered by other insurers. If your car parts are damaged in a covered loss, this coverage will pay up to $1,000 to replace them.

For those who travel frequently, American National P&C provides rental car and/or travel reimbursement coverage. It is offered to customers with comprehensive and/or collision coverage and covers car rental in the event that the insured vehicle is inoperable. However, some drivers may be disappointed that the insurer does not offer accident forgiveness or new car replacement coverage.

Best Car Insurance in Westminster for Customer Service

Our analysis of the best insurers for customer service did not take into account affordability. These are our top-two choices:

  • Acuity: MoneyGeek score of 78 out of 100 ($1,310 per year)
  • American National P&C: MoneyGeek score of 67 out of 100 ($503 per year)

Acuity received the highest ratings for claims management and customer service. However, Acuity charges the highest rates out of the insurers in our comparison group.

How was this MoneyGeek score calculated?

Acuity

pros

Has the second-highest score for customer service

Has the highest score for claims management

Offers a coverage package and new car replacement coverage

cons

Doesn’t offer accident forgiveness or better car replacement

COMPANY HIGHLIGHTS

Acuity surpassed its competitors because it provides better claims processing and superior customer service. These two qualities are important during stressful situations, like after a car accident or mechanical breakdown. Acuity also offers unique and standard coverages that are accessible to the majority of drivers.

Acuity’s unique coverage package includes a number of extra coverages. It covers the replacement cost of your lock and keys if they’re stolen and your personal property if something inside your car is damaged in an accident. In addition, it also covers travel costs if you need to rent a car if yours is inoperable following a covered accident.

It also includes payment for veterinary expenses incurred if your dog or cat is injured in a car accident, replacement of airbags if they discharge in a non-accident event and reimbursements for accidental death and total disability. If your car or motorcycle is fully damaged by a covered loss, Acuity's new car replacement coverage will pay to replace it with a brand-new vehicle of the same or comparable model for an additional premium.

Best Cheap Car Insurance in Westminster

The following insurers offer the best cheap minimum coverage policies in Westminster that comply with the state-mandated liability limits in Colorado:

  • American National P&C: MoneyGeek score of 83 out of 100 ($211 per year)
  • Auto-Owners Insurance Co: MoneyGeek score of 69 out of 100 ($388 per year)

Minimum coverage policies are typically inexpensive, but they provide little protection in the event of an accident. Typically, liability-only policies cover liability costs for personal injury and property damage, but they don't cover damage to the insured vehicle.

How was this MoneyGeek score calculated?

American National P&C

pros

An affordable minimum coverage policy costs $211 per year

Earned third place in customer satisfaction

Provides discounts if you bundle policies or sign early

cons

Has a relatively low claims management rating

Doesn’t offer a discount for going paperless

COMPANY HIGHLIGHTS

American National P&C is the best cheap auto insurance provider in Westminster, with policies costing approximately $211 per year. It also offers exceptional customer service to its policyholders. While American National P&C offers limited discounts, you can still reduce your premiums in other ways.

The American National P&C early signing discount provides premium savings to people who apply for a new policy before their existing one expires. You can also earn discounts on eligible home and auto premiums when you insure your car, home and life with the insurer.

American National P&C also offers a multiple-car discount if you insure multiple cars with them. This discount is advantageous for multiple-vehicle owners, as the more vehicles they own, the more money they will save with American National P&C and the faster their collection will grow.

Average Cost of Car Insurance in Westminster

The average cost of auto insurance in Westminster is $981 per year, $22 less than the average cost of auto insurance in Colorado, which is $1,002 per year as of October 2022. It is also $284 less than the national average cost of auto insurance, which is $1,265.

These rates represent a full coverage policy with a bodily injury liability of $100,000 for each individual. Each accident is limited to $300,000 in bodily injury liability and $100,000 in property damage liability with full coverage. Note that location is only one of the numerous factors affecting the cost of auto insurance.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.