Determining which companies have the best car insurance rates in Westminster takes a bit more effort in order to find coverage that fits your buget.

Each insurance company has a unique approach for determining rates, so let's take a look at the car insurance companies that tend to have lower prices in Colorado. It's important that readers know that Westminster, CO car insurance rates are impacted by many things that can increase the cost of having a policy. Improving your credit score, having a teenage driver, or getting into an accident can trigger price changes that can make some companies cheaper than competitors.

Colorado car insurance ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $834
2 Grange $958
3 USAA $1,009
4 Nationwide $1,109
5 GEICO $1,187
6 Auto-Owners $1,192
7 Travelers $1,219
8 State Farm $1,259
9 American Family $1,275
10 Amica $1,340
11 Progressive $1,376
12 Allied $1,453
13 California Casualty $1,458
14 Farmers $1,629
15 Colorado Farm Bureau $1,640
16 MetLife $1,830
17 Allstate $2,015
18 Encompass $2,231
19 Safeco $2,547
20 Titan $2,711
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The Hartford may offer some of the lowest car insurance rates in Westminster at around $834 annually. Grange, USAA, Nationwide, and GEICO would also make the list of some of the lowest-priced Westminster, CO car insurance companies.

As the example above demonstrates, if you are insured with USAA and switched to The Hartford, you might see savings of around $175. Insureds with Nationwide could save as much as $275 a year, and GEICO policyholders might lower prices by up to $353 a year.

To get a quick, customized rate comparison, click here to get a free quote or feel free to get quotes from the companies below.

It's important to note that these policy rates are averages across all insureds and vehicles and and are not figured with an exact zip code location in Westminster. So the company that can offer the best rates for your situation may not even be in the list above. That affirms the importance of why you need to get car insurance quotes using your own personal information and vehicle type.

One of the more important considerations that are looked at to help calculate the cost of insurance is where your car is garaged in Westminster. Larger areas are more likely to pay higher prices, whereas more rural areas benefit from lower rates.

The table below shows the most expensive areas in Colorado to buy car insurance in. Westminster is listed at #17 with an annual rate of $1,234 for car insurance, which is around $103 each month.

How much is auto insurance in Westminster, CO?
Rank City Annual Rate
1 Pueblo $1,440
2 Denver $1,397
3 Lakewood $1,365
4 Aurora $1,361
5 Northglenn $1,329
6 Centennial $1,317
7 Colorado Springs $1,316
8 Commerce City $1,314
9 Arvada $1,308
10 Littleton $1,293
11 Security-Widefield $1,291
12 Ken Caryl $1,287
13 Brighton $1,285
14 Thornton $1,281
15 Highlands Ranch $1,279
16 Castle Rock $1,261
17 Westminster $1,234
18 Parker $1,233
19 Boulder $1,207
20 Broomfield $1,179
21 Longmont $1,168
22 Grand Junction $1,166
23 Greeley $1,156
24 Fort Collins $1,100
25 Loveland $1,096
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Rates are comparative as specific location information can revise premium rates substantially.

The vehicle requiring coverage is a large factor that determines if you can find cheaper auto insurance in Westminster. Vehicles with higher performance, a lack of advanced safety features, or a history of substantial liability claims will cost more to insure than safer models.

The table below estimates auto insurance prices for a number of the cheapest automobiles to buy coverage for.

Cheapest Vehicles to Insure in Westminster, CO
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda CR-V EX 2WD $1,177
Ford Escape XLT 4WD $1,202
Volkswagen Jetta LE 4-Dr Sedan $1,213
Chevrolet Equinox LT AWD $1,223
Jeep Wrangler Unlimited Sport 2WD 4-Dr $1,232
Toyota Tacoma Double Cab 4WD $1,236
Hyundai Elantra SE 4-Dr Sedan $1,278
Jeep Grand Cherokee Limited 2WD $1,301
Nissan Altima 3.5 SR 4-Dr Sedan $1,310
GMC Sierra 2500HD SLE Regular Cab 4WD $1,301
Toyota Corolla XRS $1,309
Dodge Grand Caravan SE $1,319
Nissan Rogue SL AWD $1,365
Honda Accord EX-L 2-Dr Coupe $1,388
Toyota Camry Hybrid $1,398
Toyota RAV4 Limited 2WD $1,393
Toyota Prius $1,395
Ford Explorer Limited AWD $1,418
Ford F-150 XL Crew Cab 4WD $1,439
Ford Focus SE 4-Dr Sedan $1,457
Chevrolet Impala LS $1,464
Honda Odyssey EX W/Rear Entertainment $1,457
Ford Edge Limited AWD $1,464
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Data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-vehicle, and multi-policy. Prices do not factor in specific location which can increase or decrease premiums substantially.

Looking at the rates, you can expect cars like the Honda CR-V, Ford Escape, Volkswagen Jetta, and Chevrolet Equinox will be the most affordable vehicles to insure for drivers in Westminster.

Full coverage versus liability only rates

Saving money when shopping for car insurance is the goal of most vehicle owners, and a good way to find cheaper insurance in Westminster is to not pay for full coverage. The example below compares insurance prices with liability coverage only compared to full coverage. The premiums are based on no driving violations, no at-fault accidents, $100 deductibles, drivers are single, and no additional discounts are factored in.

If averaged for all ages, physical damage coverage costs $2,696 per year over having just liability coverage. Many of you may wonder when is it a good idea to stop buying full coverage. There is no definitive formula of when to drop comp and collision coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the vehicle's replacement cost less your deductible, then it may be the right time to buy liability only.

There are a few situations where dropping full coverage is not financially feasible. If you still owe money on your vehicle, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.

How to find more affordable car insurance in Westminster

The list below summarizes some of the recommended money-saving suggestions that can help Colorado drivers find cheap coverage.

The last tip is especially necessary, as we hit on in the prior article. Rates adjust frequently, so don't be tentative to buy from a different company if a more affordable price is available.

Many consumers stick with the same company and that's fine, but it isn't a good idea if that inflexibility results in costing you a lot of money. In less than five minutes you could shop around to find cheaper car insurance in Westminster.