Westminster, CO Car Insurance

The average monthly cost for car insurance in Westminster is about $81. For information on policy rates, coverage, and more check out our guide below.
How much can residents of Westminster expect to pay for their car insurance? Compared to their surrounding area, how do rates in Westminster stack up? What about against the rest of Colorado? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Westminster?

Area Average Monthly Car Insurance Premium
Westminster$81
CO$71
United States$80

As you can see, car insurance policies across the rest of Colorado are about $10 a month cheaper than the rates drivers pay in Westminster.

Likewise, drivers in Westminster may pay higher rates than the rest of the country. Coverage in Westminster is about $1 more expensive than it is for the rest of the U.S.

Bear in mind that while these are the average car insurance rates for Westminster, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you for car insurance. The final dollar amount you'll be asked to pay each month is calculated off of factors such as your age, gender, vehicle make and model, driving record, and in some areas, your credit score.

Don't sweat it however, we've broken down average rates for Westminster residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$143
25-34$64
35-44$68
45-54Not Enough Data
55-64$61
65+$66

It makes sense that older drivers would have more experience behind the wheel. When it comes to auto insurance rates, that experience can help put some change back into your pocket. According to the table above, you can see that 18-24-year-olds pay $77 more than drivers 65 and older.

You can expect to see your monthly premium drop every 10 years or so. Once you hit retirement age, however, your rates may begin to increase again in Westminster.

Average Car Insurance Rates by Gender

Gender Average
Male$89
Female$72

On average, female drivers pay slightly less for car insurance than their male counterparts. In Westminster, this difference shakes out to about $17 per month. Based on the chart above, you can see that female drivers pay around $72 on average, while male drivers typically pay $89 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$106
Multiple Accidents$119
1 Ticket$109
Multiple Tickets$100

Depending on your driving record, your rates can vary wildly. Those with clean records can expect to pay a lot less than those with infractions. In Westminster, a driving record with a single accident will usually get you a rate around $106 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $109.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$46
2-3 Years$71
4-5 Years$103
6-7 Years$72
8-10 Years$105
11-14 Years$82
15 Years or Older$73

The most affordable vehicles to insure in Westminster are typically trucks and vans, which run about $60 per month.

Car owners, on the other hand, by and large pay around $84 a month, while SUV drivers can expect to pay about $79 per month to insure their vehicle.

Your rates can also vary depending on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. In Westminster, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$85
Married$75
Divorced$65
Widowed$66

Generally speaking, those who are currently married will pay slightly less to insure their vehicle. This usually happens because companies will offer special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, married drivers typically pay less than single drivers for auto insurance. Westminster is no exception, with the difference totaling to around $10 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$62
Rent$86
Live with parents$125

Your living situation is another factor that affects your monthly rate. If you rent your home or apartment in Westminster, expect to pay around $24 a month more than if you own your home. But if you live with your parents, you can expect to pay a lot more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance costs.

Car Insurance Companies in Westminster, CO

Recent trends in car insurance for Westminster drivers

Since average rates are constantly changing, it's a smart move to research the local trends in your area before choosing when and where to shop.

In Westminster, the rates for car insurance decreased from 2016-2018, before rising from 2019-2020. They finished down in 2021 at $84.

How does Westminster compare to neighboring areas?

Why are car insurance rates in Westminster different from other areas?

There are several factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. Many factors affecting your policy are based around where you live. These factors include things like:

  • Regional crime rates
  • Road safety
  • Amount of off-street parking
  • Amount of drivers
  • Laws

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Westminster?

Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

Good news! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering plans in Westminster.

Compare the cheapest quotes from dozens of insurance companies

Westminster Insurance FAQs

What factors affect car insurance quotes in Westminster?

The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your vehicle's year, make and model, plus your address, credit score, marital status, and driving record.

Why is the cost of car insurance in Westminster different from other neighboring cities?

Auto insurance companies consider regional factors, such as parking situations, local laws, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Westminster?

Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible however, by using sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Westminster?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Westminster or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes