Cheapest and Best Car Insurance in Westminster, CO (July 2024)

In Westminster, the most affordable car insurance may vary by coverage and driver profile. For full coverage, American National P&C beats others, unlike for minimum coverage where it ranks first. Families with teens find GEICO most economical. Regarding customer service, Acuity stands out, also securing top spot for overall value, merging price and service. When choosing, consider your personal coverage needs and preferences for optimal satisfaction.

MoneyGeek found that American National P&C offers the cheapest car insurance in Westminster for minimum coverage.

• American National P&C: $281 per year
• Colorado Farm Bureau: $288 per year

The company with the most expensive minimum coverage policy in Westminster is Farmers Union Insurance, with an annual premium of $1,054. Comparing this to the most affordable option, there's a significant difference of $773 annually, highlighting the value of shopping around for car insurance.

For every locale in Colorado, including Westminster, car insurance minimums are guided by state law:

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

Suppose you have the basic coverage and are at fault in an accident, your policy will pay up to $25,000 for injuries per person, maxing out at $50,000 per accident. If the injured party's expenses surpass these amounts, you'll be responsible to cover the difference.

MoneyGeek found that American National P&C offers the most affordable option in Westminster for cheapest full coverage car insurance.

• American National P&C: $681 per year
• Colorado Farm Bureau: $711 per year

Farmers Union Insurance has the most expensive policy, at $2,239. Full coverage policies cost more than minimum coverage because they provide extensive protection, covering not only liability but also damage to your vehicle.

The exemplary Westminster comprehensive insurance plan increases liability protection, extending to $100,000 for bodily injury per individual, $300,000 for bodily injury per mishap, and $100,000 for property damage per mishap. This level of insurance is known as a 100/300/100 policy.

A comprehensive package comes with the additional benefit of covering both comprehensive and collision insurance.

• Collision Insurance: This insurance is essential as it covers the costs of repairing your vehicle if it gets damaged due to a collision, whether it be with another car or a stationary object like a tree or light pole. It also covers rollover accidents and pothole damage.

• Comprehensive Insurance: Unlike collision insurance, comprehensive insurance is responsible for covering damages to your automobile that occur from non-collision events, such as theft or natural disasters and being struck by an animal like a deer.

For those who've recently purchased a new vehicle, investing in a full coverage insurance plan is a wise decision. However, this might not be a cost-effective choice for older vehicle models. By balancing costs with coverage, you can determine how much car insurance you need.

MoneyGeek found that when it comes to finding the cheapest company for drivers with a poor driving record and a full coverage policy in Westminster, American National P&C is the cheapest option for speeding, while Colorado Farm Bureau offers the lowest rates after a DUI and at-fault accidents. Here are the cheapest providers for each offense:

• Speeding Ticket: American National P&C ($798 per year)
• At-fault accident: Colorado Farm Bureau ($890 per year)
• DUI: Colorado Farm Bureau ($929 per year)

In Westminster and cities alike, insurance rates are progressively higher for motorists with serious offenses due to increased risks to insurers. For example, drivers with a DUI on their record face an average annual rate of $3,072, compared to $2,373 for those with a speeding ticket.

MoneyGeek found that Kemper offers the most affordable full coverage car insurance in Westminster for families with teen drivers. This provider stands out with notably lower annual premiums, emphasizing the significance of comparing insurance options, especially when adding high-risk drivers like teens to a policy.

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

These rates reflect the average cost to insure a family consisting of two parents along with a teenage driver. Farmers carries the highest premium for female teens at $4,642 annually.

In Westminster, teens seeking car insurance independently face annual premiums of $6,870, significantly higher than the $3,109 average when added to a family policy. Insurers view teens as high-risk drivers due to inexperience, leading to elevated rates.

MoneyGeek found that American National P&C offers the most affordable full coverage car insurance for those with military backgrounds in Westminster.

• American National P&C: $681 per year
• Colorado Farm Bureau: $711 per year

Although USAA is not the cheapest in this list, with an annual premium of $902, it is well-known for its commitment to serve the unique needs of active duty military members. Those with military connections seeking the cheapest car insurance for military backgrounds may still want to consider USAA for its comprehensive benefits and specialized customer service.

If you are searching for the most affordable car insurance rates in Westminster, you can use MoneyGeek's car insurance calculator. By inputting your age, driving history, credit score, preferred coverage level, and a few other details, you can quickly receive a tailored rate estimate.

Finding the ideal car insurance comes down to individual preferences, such as service quality, cost, coverage options and other factors. The best auto insurance carriers are:

• Best overall: Acuity (Score 90 out of 100)
• Best for service: Acuity (Score 96 out of 100)
• Best cheap: Acuity (Score 88 out of 100)

Acuity emerges as the leader in Westminster for delivering an exceptional blend of overall value, top-notch service and affordability.

MoneyGeek found that Acuity offers the best option in Westminster for those seeking the best car insurance. Motorists in the area looking for top-rated car insurance policies can consider the following two providers:

• Acuity: MoneyGeek score of 90 out of 100 ($1,260 per year)
• American National P&C: MoneyGeek score of 78 out of 100 ($681 per year)

Acuity distinguishes itself as the premier choice for drivers in Westminster thanks to its exceptional performance in customer satisfaction and claims, with these being the most significant contributors to its overall MoneyGeek score.

MoneyGeek found that Acuity is the best option in Westminster for top-notch car insurance customer service. This distinction is based on their unrivaled customer satisfaction, exceptional claims handling and comprehensive coverage offerings without taking rates into account.

• Acuity: MoneyGeek score of 96 out of 100 ($1,260 per year)
• American Family: MoneyGeek score of 76 out of 100 ($1,214 per year)

Acuity distinguishes itself primarily through its superior customer service and claims process, which are leading factors in its high MoneyGeek score.

MoneyGeek found that Acuity is the best option in Westminster for consumers seeking the most affordable car insurance without compromising on quality. The top providers are:

• Acuity: MoneyGeek score of 88 out of 100 ($533 per year)
• American National P&C: MoneyGeek score of 80 out of 100 ($281 per year)

Acuity has a good balance between affordability and other essential factors such as claims handling and customer satisfaction, all while offering a minimum coverage policy.

In Westminster, Colorado, the average car insurance cost is $1,328 per year. When compared to the average cost in Colorado, which is $1,345 annually, residents of Westminster pay slightly less. Furthermore, Colorado’s average annual cost of car insurance stands at $436 lower than the national average of $1,781.

Car insurance premiums hinge on a range of factors, with location being a significant one. Traffic patterns, accident rates and the cost of living in an area can all affect insurance costs. For instance, Denver holds the title for the most expensive city premium in the dataset at $1,546, while Fort Collins boasts the cheapest at $1,146.