Cheapest and Best Car Insurance Companies in Westminster, CO

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.