bestauto insuranceWestminsterCompare the Cheapest Car Insurance Quotes in Westminster, CO
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Excluding USAA, GEICO offers the cheapest car insurance in Westminster, but the most affordable option for you may differ depending on your coverage level and driving profile.
GEICO also offers the best option for drivers with a speeding ticket and offers the cheapest state-minimum policy. For military families, USAA is the cheapest option.
MoneyGeek also evaluated the best car insurance in Westminster for companies that balance customer service with cost, and found that State Farm ranked highest in this category.
bestauto insuranceWestminsterThe Cheapest and Best Car Insurance in Westminster
The Cheapest Car Insurance Companies in Westminster
You can find the cheapest full coverage car insurance in Westminster from the following companies:
- GEICO: $790 per year
- Travelers: $1,018 per year
For current and former military members, USAA may be the cheapest company in the city with an average cost of $679 per year.
GEICO offers the most affordable option in Westminster, at approximately 140% less than the policies offered by Metlife, the most expensive company in the city.
In addition to liability insurance, full coverage car insurance includes comprehensive and collision coverage. Rates may vary depending on your coverage levels. Insurers may also offer varying rates.
Cheapest Car Insurance in Westminster
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$679
- 2.$790
- 3.$1,018
- 4.$1,072
- 5.$1,078
For this guide, MoneyGeek collected average rates for a 40-year-old male driver in Westminster with a full coverage policy, as defined in our methodology.
Purchasing full coverage auto insurance provides you with more financial protection. It may cost more than the state minimum policy, but includes the following coverage types:
- Comprehensive Coverage: helps protect you against the cost of damages that are not a result of a collision, such as theft, hail, natural disasters, etc.
- Collision Coverage: helps cover vehicle repair or replacement costs in case of a collision with an object or another vehicle.
If you have an older car, a full coverage policy may cost you more than your vehicle is worth. In that case, it’s better to opt for liability-only insurance or a minimum coverage policy as you’ll get cheaper rates.
Compare Car Insurance Rates in Westminster
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Westminster for Minimum Coverage
The cheapest car insurance in Westminster for drivers who want state-minimum policies are:
- GEICO: $347 per year
- State Farm: $522 per year
If you have a military background, USAA may be the best option for you as it’s the cheapest company in the city, with an average annual cost of $289 for those who qualify.
In Westminster, a minimum coverage policy is the most affordable option. However, since it does not include comprehensive and collision insurance and has low levels of liability coverage you won’t have full protection.
Look at the table below to compare coverage levels and costs.
Cheapest Minimum Liability Car Insurance in Westminster
State Minimum
- CompanyState Minimumper year
- 1.$289
- 2.$347
- 3.$522
- 4.$565
- 5.$622
Colorado’s minimum car insurance is the cheapest option in Westminster, but it may not offer you the best protection.
In Colorado, every driver is required to have an auto insurance policy with at least 20/50/15 in liability limits. While a minimum coverage policy costs less and will help you save on your monthly insurance costs, it won’t ensure complete protection and you might have to pay more out of pocket in case of an accident.
For example, suppose you are at fault for an accident and damage $10,000 worth of property and have only $5,000 in coverage. In that case, you will be responsible for the additional $5,000.
Colorado Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Westminster if You Have Driving Violations
Your driving record is a key factor affecting your car insurance premiums. Having violations like speeding tickets, at-fault accidents or DUIs on your driving record can cause your rates to increase.
The companies offering the most affordable car insurance in Westminster for drivers with driving violations are:
- Cheapest after a speeding ticket: GEICO, $999 per year
- Cheapest after an at-fault accident: State Farm, $1,243 per year
- Cheapest after a DUI: State Farm, $1,157 per year
For drivers with a military background and violations like speeding tickets or at-fault accidents, USAA offers the cheapest policy in the city.
If you have a bad driving record, you can get more affordable rates by improving your record over time. Meanwhile, comparing car insurance quotes in Westminster can help you find the best deal.
Cheapest Car Insurance in Westminster With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$826
- 2.$999
- 3.$1,157
- 4.$1,248
- 5.$1,293
Average Cost of Car Insurance in Westminster
Westminster$1,344
Colorado$1,450
U.S.$1,424
Westminster’s average insurance cost is $1,344 per year, lower than both state and national averages. Drivers in Westminster pay 7.3% less than other drivers in Colorado and 5.6% less than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Westminster
When you gather car insurance quotes in Westminster, it’s crucial to note that insurers use several factors to set rates. These include your age, gender, driving history and ZIP code. Your car’s make and model, as well as your preferred coverage levels, also impact the cost of car insurance in Westminster.
As insurers weigh factors differently, comparing quotes can help you find the best rate given your situation. Compare quotes from at least three different insurers to find the cheapest option for you.
Compare Car Insurance Rates in Westminster
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Westminster
MoneyGeek graded the best car insurance companies in Westminster on the basis of average rates, claims ratings and user satisfaction. The companies that received the highest scores are:
- GEICO: MoneyGeek score of 87 out of 100
- State Farm: MoneyGeek score of 85 out of 100
USAA received a perfect score of 100 out of 100, but it was excluded from our rankings because of its limited availability. It is the best auto insurance company in Westminster for active military members and veterans.
1
GEICO
Score:87
GEICO provides full coverage car insurance that costs around $790 per year in Westminster. The company received high ratings for affordability, claims and customer satisfaction. Furthermore, it offers mechanical breakdown insurance.
More About GEICO
GEICO offers mechanical breakdown insurance in Westminster that is cheaper and has better coverage than a standard extended warranty. It is available to new or leased cars that are less than 15 months old and with less than 15,000 miles.
In addition, GEICO has accident forgiveness, which is an optional coverage that prevents your premium from increasing after your first at-fault accident. Drivers over 21 who are accident-free for at least five years can earn it, meaning they won’t have to pay for this coverage after meeting these criteria.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:85
State Farm earned a perfect score on customer satisfaction and high ratings on claims and affordability. A full coverage policy from this company costs approximately $1,072 per year in Westminster. You can also get rideshare insurance as an add-on coverage.
More About State Farm
The rideshare insurance offered by State Farm is ideal for Westminster drivers working for a rideshare company. This optional coverage puts into effect the personal policy deductible and extends all coverages (except liability insurance) while you’re waiting for or transporting a rider.
You can also get rental car or travel reimbursement coverage from State Farm to pay for the cost of renting a car as well as meals and lodging fees up to $500.
Read MoneyGeek's State Farm auto Insurance Review3
Travelers
Score:79
4
Nationwide
Score:73
5
Allstate
Score:69
6
American Family
Score:60
7
Esurance
Score:60
8
Farmers
Score:42
9
MetLife
Score:39
10
Progressive
Score:23
Average Cost of Car Insurance by Postal Code
Where you live is one of the factors that can significantly affect auto insurance quotes. Insurers use your ZIP code to determine several risk factors.
For example, if there are a high number of accidents in your area, this may cause your premium to increase. Frequent occurrences of automobile theft or vandalism have the same effect. Our data shows that the 80031 ZIP code residents pay $35 less per year on average for a car insurance policy than the residents of the 80030 ZIP code.
- Zip CodeState Minimumper year
- 80031$1,327
- 80030$1,362
Factors That Impact Insurance Costs in Westminster
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Westminster. How Westminster ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
