Westminster, Colorado, is a growing suburb, situated on the busy Denver-Boulder corridor, with easy access to either city. Just as in many nearby cities, Westminster roads can become hazardous during the snowy Colorado winters. With a Westminster car insurance policy, you can be sure your finances are protected if you get into a car accident. Car insurance offers the peace of mind you need to travel the Westminster roadways with confidence.
An Independent Insurance Agent can help you get the right coverage at the right price to protect what matters most.
How Much Does Westminster Car Insurance Cost?
Westminster car insurance costs about $129 per month, on average. If you think that’s too much, consider shopping around. When you get a quote, your rates should take into account the following:
- The age, make and model of your car
- Your average annual mileage
With the help of a reliable agent, you can review quotes from multiple insurance companies and choose the one that offers the best coverage at the best price.
What Does Westminster Car Insurance Actually Do For Me?
Westminster car insurance offers financial protection if you cause a car accident. It can also help you repair or replace your own car if it is stolen or damaged. If you’re involved in a crash, here are some of the ways your Westminster car insurance policy can help you get back on your feet.
- Fix Your Car - We officially call this "Comprehensive & Collision Coverage." Nothing required.
- Fix Someone Else's Car - We officially call this "Property Damage Liability." Required min. $15,000.
- Pay Your Medical Bills - We officially call this "Personal Injury Protection" or "PIP." Nothing required.
- Pay Someone Else's Medical Bills - We officially call this "Bodily Injury Liability." Required min. $25,000 per person, $50,000 per accident.
Who Pays If the Accident Wasn't my fault?
The driver who caused the accident, of course. Sometimes, people drive without insurance. 13.3% of Colorado drivers are uninsured. People who drive without insurance don’t have a backup plan for accidents. If an uninsured driver causes a crash, the other drivers have to pay for their own repairs and medical bills.
That's why it’s a good idea for Westminster drivers to have “uninsured motorist coverage.” It helps pay for your own medical bills and car repairs if you are in an accident with an uninsured driver. Although uninsured motorist insurance is a great way to protect your finances in this type of unfortunate situation, Colorado drivers are not required to purchase it.
What Affects the Cost of Westminster Auto Insurance?
Your monthly Westminster car insurance premium is based on how risky you are as a driver. Some of the most important risk factors that insurance companies consider include the following:
- your age
- your marital status
- your gender
- your ZIP code
- your history of accidents and claims
- the make and model of your car
- the number of cars and drivers in your household
Certain factors always work in your favor, while others do not. Male drivers generally pay more than female drivers; unmarried drivers tend to pay more than married drivers. And young drivers typically pay more than older drivers. Since you can’t control your age or your gender, it’s important to be a safe driver if you want to keep your car insurance rates low.
If you have a clean driving record, insurance companies will charge you less than what they charge a similar person (same age, same gender) with a history of citations, accidents, and filing claims.
Here Are Some City Factors That Will Affect Your Rate:
Commute time: It’s simple: The more time you spend on the road, the more likely it is that you'll be in an accident. Drivers with longer commute times tend to pay more for car insurance. Commute times in Westminster are similar to the national average.
- National Average: 25.4 minutes
- Westminster Average: 25.8 minutes
Theft in your city: The car theft rate in Westminster is higher than in the U.S., overall. You may pay more for car insurance, as a result, if you live in Westminster. Without car insurance, would you be able to pay for a stolen or vandalized vehicle? How would you pay to replace any belongings stolen from your car?
Car insurance helps you pay for stolen or damaged vehicles and personal property. With the right coverage, you’ll be back on the road in no time after a theft or break-in.
- Auto Theft Rate in the U.S. (per 1,000 vehicles): 2.94
- Auto Theft Rate in Westminster (per 1,000 vehicles): 4.74
How to Find Affordable Auto Insurance in Westminster
If you do your homework, you can find affordable Westminster auto insurance. An independent insurance agent can help. Because independent agents aren't tied down to one carrier, they can get quotes from multiple insurance companies and offer you a variety of policy options. Our agents will work closely with you to assess your risks and answer your questions. We proudly offer quality, affordable car insurance to Westminster residents.