Westminster Auto Insurance Rates, Quotes, Agents & Reviews in CO

Westminster, CO Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Westminster, CO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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In Westminster, Colorado, car insurance rates differ widely among the top four companies

Zimlon’s analysis of the four car insurance companies with the highest market share showed that 68-year-old married female drivers pay the lowest premiums. A study of median car insurance quotes showed that the lowest value for this cohort was $848. For this analysis, Zimlon selected the top four auto insurance companies based on the 2016 NAIC report: State Farm Fire and Casualty, American Family Insurance, Progressive Direct Insurance and USAA Casualty Insurance Company. These data were published by the Colorado Division of Insurance.

The following table shows the four types of driver segments analyzed, the median premium rate for each segment, and the premiums charged by companies with the highest market share in Westminster, Colorado. The boxes in pink show the difference between the premium offered by the company and the median price, for premiums that are priced higher than the median. The boxes in light green represent this difference for prices that are lower than the median.

Cohort Median Rate State Farm Fire and Casualty Company American Family Insurance Company Progressive Direct Insurance Company USAA Casualty Insurance Company
21-year-old single male drivers $1,793 $716 $95 $768 $793
21-year-old single female drivers $1,591 $504 $168 $645 $681
35-year-old married male drivers $962 $362 $21 $240 $372
68-year-old married female drivers $848 $254 $12 $177 $243

For all four of the driver cohorts analyzed, State Farm offers higher than median premiums. For 21-year-old single male drivers, the difference is the highest, at $716 higher than the median. For the cohort of 68-year-old married female drivers, the difference is at least $254 more than the median.

American Family Insurance offers higher than median premiums for all but one driver cohort (35-year-old married male drivers). The highest it offers is for 21-year-old single female drivers, at $168 more than the median.

Progressive Direct Insurance is one company that offers lower than median premiums for all four driver cohorts. The lowest it offers is for 21-year-old single male drivers, at $768 less than the median. The highest rate offered is for the cohort of 68-year-old married female drivers, at $177 less than the median.

Another company that offers lower than median premium to all four of the driver cohorts is USAA Casualty Insurance Company. The difference from the median is the highest for 21-year-old single male drivers, at $793. It is the least for 68-year-old married female drivers, at $243 less than the median.

The following chart compares the car insurance premium rates among the four companies with the highest market share in Westminster, CO.


Factors that can influence the cost of car insurance in Westminster, CO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Westminster, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Westminster, CO with that of other cities in and around Westminster.

Westminster Sherrelwood Northglenn Broomfield Broomfield County Federal Heights
Average Insurance Rates $1,139 $1,767 $1,779 $1,118 $1,124 $1,665

Westminster, CO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Westminster, CO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Westminster $1,881 $1,589
Shaw Heights $1,132 $956
Federal Heights $1,884 $1,591
West Adams $1,707 $1,442
Sherrelwood $1,355 $1,145
Northglenn $1,466 $1,238
Broomfield County $1,152 $973
Broomfield $1,349 $1,140

Westminster, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Westminster, CO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,696
20 Years $1,463
30 Years $1,127
40 Years $1,085
50 Years $1,004
60 Years $1,018
70 Years $1,185

Westminster, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Westminster, CO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,005 $273
3 Vehicles $3,007 $410
4 Vehicles $4,009 $547

Savings on 2 Vehicles bundle:$273

Savings on 3 Vehicles bundle:$410

Savings on 4 Vehicles bundle:$547

Westminster, CO Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Westminster, CO.

Location Average Insurance Cost Post DUI Insurance Rate
Westminster $1,139 $1,722
Shaw Heights $1,775 $2,683
Federal Heights $1,665 $2,517
West Adams $1,784 $2,696
Sherrelwood $1,767 $2,671
Northglenn $1,779 $2,689
Broomfield County $1,124 $1,699
Broomfield $1,118 $1,690

Westminster, CO Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $977
Excellent (740-799) $1,116
Good (670-739) $1,187
Average (580-669) $1,548
Poor (300-579) $1,858

Westminster, CO Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Timothy Brown Farmers 10465 Melody Dr Ste 322, Northglenn, 80234 (720) 466-3348
Greg Delgado Farmers 2839 Wyandot St, Denver, 80211 (720) 588-4111
Alliance General Insurance Agency None 2696 S Colorado Blvd Ste 330, Denver, 80222 None
Derek Whetstone Liberty Mutual 1675 Larimer Street. Ste. 103, Denver, 80202 1-303-524-1959
Shari Melton Allstate 100 E Chester St, Lafayette, 80026 (303) 666-0747
Steve Basler State Farm 12600 W 32nd Ave, Wheat Ridge, 80033 303-421-8300
Keith Starns Farmers 2010 W 120th Ave Ste 101, Westminster, 80234 (303) 985-3939
Adrian Feijoo State Farm 7754 W 38th Ave, Wheat Ridge, 80033-6108 303-422-3429
Hackett Insurance Agency None 8080 Ralston Rd, Arvada, 80002 None
Mcginn Insurance Professionals Inc Travelers 7707 RALSTON RD, ARVADA, 80002 720-833-5397

Westminster, CO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$50 $1,189
Driver's Failure In Showing Documents +$110 $1,249
Driving With An Expired Registration +$117 $1,256
Driving At A Considerably Slow Pace +$247 $1,386
Using A Cellphone While Driving +$261 $1,400
Running A Red Light +$265 $1,404
Speeding +$279 $1,418
Driving A Vehicle Without The Required Permission +$354 $1,493
Driving With An Expired/Suspended License +$768 $1,907

Westminster, CO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,093
Active Disabling Device $1,093
Tracking Device $1,071
Passive Disabling Device $1,059

Latest Auto Insurance Reviews in Westminster, CO | Back to Top

They give me some great offers for this that is really helpful for me.and the policies are quiet over step comparing to others AS LIKE AS HOME INSURANCE.
USAA's offerings surpass most of their competitors, providing unique coverage offerings to meet my individual need.
State Farm
I am not exactly sure how my insurance compares to others. I have been with this same company for many years. I have felt no need to change companies yet.
I would recommend Progressive as a car insurance company because they are cheap and easy to use .Ive never had any problems using the company.
I like the company because they cater to their clients needs and is always supportive based on my interactions with them.
Farmer's Insurance
Farmer's Insurance is a tad more expensive than other insurance companies that service my area. In addition, their adjusters are rude and unprofessional. Their financial office personnel are smart and friendly, and if their adjusters had the same attitude I would be very pleased with the company as a whole. However, because of the way their adjusters treat their customers, I will not recommend them to anyone.
Safeco Insurance
the thing that I enjoy about my policy is the price; even though it does continue to rise due to accidents, it's affordable. They make sure to tailor them to your needs.
American Family Insurance
I like the the knowledge and the quickness to get things done. If there is an issue i know about it right away and what i need to do on my part to get it resolved. I like how well they are on top of things.
The fact that a large company is willing to offer such a substantially lower payment compared to other companies says something. It was literally costing us about $400 less a year and our previous insurance was not willing to lower the payment, even if it meant losing us as a customer.
Liberty Mutual
I switch around to avoid rising premiums. The premium at first was much cheaper than my previous carrier, by about $60 per month. But since switching, in my second year of being on their insurance, it has risen by $30 a month. I currently pay $130 per month. I may switch after this six month period.