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.
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 Rates
- Westminster, CO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Westminster, CO
- Multi Vehicle Insurance Savings in Westminster, CO
- How Credit Score Affects Car Insurance Rates in Westminster, CO
- How DUI Affects Auto Insurance Premiums in Westminster, CO
- Top Auto Insurance Agents Near Westminster, CO
- How Driving Violations Affect Auto Insurance Rates in Westminster, CO
- Westminster, CO Auto Insurance Discounts on Anti Theft Feature
- Westminster, CO Auto Insurance Company Reviews
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
ProgressiveThey 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.
UsaaUSAA's offerings surpass most of their competitors, providing unique coverage offerings to meet my individual need.
State FarmI 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.
ProgressiveI would recommend Progressive as a car insurance company because they are cheap and easy to use .Ive never had any problems using the company.
UsaaI like the company because they cater to their clients needs and is always supportive based on my interactions with them.
Farmer's InsuranceFarmer'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 Insurancethe 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 InsuranceI 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.
ProgressiveThe 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 MutualI 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.