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How much is car insurance in Westminster?
|Area||Average Monthly Car Insurance Premium|
You can see in the chart above that it's around $9 a month more expensive to insure your vehicle in Westminster than it is in the rest of Colorado.
On the other hand, when compared to the national average, the cost for auto insurance in Westminster is lower. Car insurance rates for the U.S. as a whole are, on average, $0 more expensive than the rates you'd pay in Westminster.
Keep in mind that while these are the average car insurance rates for Westminster, it isn't guaranteed that it's what you'll pay. There are a variety of factors that car insurance companies assess when determining how much to charge you to get your vehicle insured. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
But don't worry, we've broken down the average rate for Westminster residents based on several different factors so that you can get a more accurate idea of the bill you'll see each month. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It makes sense that older drivers would have more experience behind the wheel. When it comes to your monthly premium, that experience can really pay off. As you can see, 18-24-year-olds pay twice as much as drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may creep back up a bit in Westminster.
Average Car Insurance Rates by Gender
In general, female drivers pay less for car insurance than their male counterparts. This is true in Westminster, where women pay around $15 less a month. As illustrated in the table above, female drivers in the area pay about $74 on average, while male drivers pay around $89 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Westminster, a driving record with one accident will usually get you a rate around $110 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $89.
Accidents, tickets, and other driving infractions can really add up when it comes to how much you pay. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$113|
|15 Years or Older||$73|
The most affordable vehicles to insure in Westminster are usually trucks and vans, which run about $67 per month.
Car owners will see a monthly premium of about $85, while SUV owners typically pay around $78 per month.
Depending on the age of your vehicle, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old however, your rates may start to dip back down a bit. In Westminster, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$86|
Generally speaking, married policyholders will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something many companies offer special discounts for.
The cost of auto insurance in Westminster reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $11 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$125|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment, expect to pay around $23 a month more than if you own your own home in Westminster. Those who live with their parents, however, can expect to pay a lot more.
That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.
Car Insurance Companies in Westminster, CO
Recent trends in car insurance for Westminster drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when deciding when and where to shop.
In Westminster, auto insurance rates have been mixed over the past few years. They declined in 2017, increased in 2019, and dropped again in 2021, before finishing at $75 in 2022.
How does Westminster compare to neighboring areas?
Why are car insurance rates in Westminster different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. Many factors affecting your policy are based around your home address. These factors include things like:
- Number of drivers in the community
- Off-street parking accessibility
- Rate of crime
- Regional regulations
- General road safety (how many accidents each locality has)
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Westminster?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
But wait! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from dozens of car insurance companies offering auto coverage in Westminster.
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Westminster Insurance FAQs
What factors affect car insurance quotes in Westminster?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your driving record, address, credit score, and marital status.
Why is the cost of car insurance in Westminster different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like parking situations, local laws, and crime rates when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Westminster?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
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. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Westminster or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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