Best Wheat Ridge, Colorado Auto Insurance in 2024
The average Wheat Ridge, CO auto insurance rates are $344 per month. The minimum auto insurance in Wheat Ridge is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Wheat Ridge, Colorado, compare quotes from multiple companies.
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Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 21, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The average commute length in Wheat Ridge is 25.2 minutes
- The minimum auto insurance required in Wheat Ridge, Colorado is 25/50/15
- Average auto insurance rates in Wheat Ridge, CO for senior drivers are $2,411 per year
Wheat Ridge, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Wheat Ridge can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Wheat Ridge, Colorado, including driving record, credit, commute time, and more.
Compare auto insurance in Wheat Ridge to other Colorado cities, including Centennial auto insurance rates, Thornton auto insurance rates, and Colorado Springs auto insurance rates to see how Wheat Ridge, Colorado auto insurance rates stack up.
Before you buy Wheat Ridge, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Wheat Ridge, Colorado auto insurance quotes.
Minimum Auto Insurance in Wheat Ridge, Colorado
Wheat Ridge, Colorado auto insurance laws require that you have at least the Colorado minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Wheat Ridge, Colorado.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
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Cheap Wheat Ridge, Colorado Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Wheat Ridge, Colorado are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,503 | $3,271 | $3,162 | $3,193 | $12,472 | $13,129 | $3,844 | $3,851 |
| American Family | $2,839 | $2,839 | $2,560 | $2,560 | $6,887 | $9,263 | $2,839 | $3,472 |
| Farmers | $3,223 | $3,200 | $2,902 | $3,134 | $12,930 | $13,127 | $3,547 | $3,574 |
| Geico | $1,962 | $2,158 | $2,138 | $2,466 | $6,253 | $6,566 | $1,783 | $1,785 |
| Liberty Mutual | $1,978 | $1,902 | $1,698 | $1,875 | $6,310 | $6,868 | $1,989 | $1,974 |
| Nationwide | $2,559 | $2,601 | $2,295 | $2,419 | $6,513 | $8,306 | $2,950 | $3,180 |
| Progressive | $2,635 | $2,459 | $2,322 | $2,307 | $9,290 | $10,369 | $2,964 | $2,872 |
| State Farm | $2,327 | $2,327 | $2,122 | $2,122 | $6,994 | $8,826 | $2,616 | $3,095 |
| USAA | $2,145 | $2,124 | $2,065 | $2,049 | $5,548 | $6,326 | $2,751 | $2,965 |
Cheap Wheat Ridge, Colorado Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Wheat Ridge, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Wheat Ridge, Colorado.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,472 | $13,129 |
| American Family | $6,887 | $9,263 |
| Farmers | $12,930 | $13,127 |
| Geico | $6,253 | $6,566 |
| Liberty Mutual | $6,310 | $6,868 |
| Nationwide | $6,513 | $8,306 |
| Progressive | $9,290 | $10,369 |
| State Farm | $6,994 | $8,826 |
| USAA | $5,548 | $6,326 |
Cheap Wheat Ridge, Colorado Auto Insurance for Seniors
What are senior auto insurance rates in Wheat Ridge, Colorado? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,162 | $3,193 |
| American Family | $2,560 | $2,560 |
| Farmers | $2,902 | $3,134 |
| Geico | $2,138 | $2,466 |
| Liberty Mutual | $1,698 | $1,875 |
| Nationwide | $2,295 | $2,419 |
| Progressive | $2,322 | $2,307 |
| State Farm | $2,122 | $2,122 |
| USAA | $2,065 | $2,049 |
Cheap Wheat Ridge, Colorado Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Wheat Ridge, Colorado compared to the annual auto insurance rates with a clean record in Wheat Ridge, Colorado.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,931 | $5,693 | $6,986 | $5,603 |
| American Family | $3,080 | $4,344 | $5,714 | $3,492 |
| Farmers | $4,819 | $6,210 | $6,117 | $5,673 |
| Geico | $2,189 | $3,454 | $4,068 | $2,844 |
| Liberty Mutual | $2,703 | $3,165 | $3,258 | $3,172 |
| Nationwide | $2,972 | $4,048 | $5,125 | $3,266 |
| Progressive | $3,796 | $5,381 | $4,007 | $4,424 |
| State Farm | $3,477 | $4,130 | $3,804 | $3,804 |
| USAA | $2,362 | $2,900 | $5,065 | $2,659 |
Cheap Wheat Ridge, Colorado Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Wheat Ridge, Colorado is not easy. Compare the annual rates for DUI auto insurance in Wheat Ridge, Colorado to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,986 |
| American Family | $5,714 |
| Farmers | $6,117 |
| Geico | $4,068 |
| Liberty Mutual | $3,258 |
| Nationwide | $5,125 |
| Progressive | $4,007 |
| State Farm | $3,804 |
| USAA | $5,065 |
Cheap Wheat Ridge, Colorado Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Wheat Ridge, Colorado annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,398 | $5,709 | $4,302 |
| American Family | $5,394 | $3,848 | $3,231 |
| Farmers | $6,579 | $5,402 | $5,133 |
| Geico | $3,774 | $3,139 | $2,503 |
| Liberty Mutual | $4,376 | $2,702 | $2,145 |
| Nationwide | $4,656 | $3,691 | $3,212 |
| Progressive | $4,998 | $4,277 | $3,931 |
| State Farm | $5,276 | $3,395 | $2,740 |
| USAA | $4,776 | $2,751 | $2,213 |
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Cheap Wheat Ridge, Colorado Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Wheat Ridge, Colorado can vary. Compare the annual cost of auto insurance by ZIP code in Wheat Ridge, Colorado to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 80033 | $3,824 |
Cheap Wheat Ridge, Colorado Auto Insurance Rates By Commute
Commute length and annual mileage affect Wheat Ridge, Colorado auto insurance. Find the cheapest annual Wheat Ridge, Colorado auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,803 | $5,803 |
| American Family | $4,068 | $4,247 |
| Farmers | $5,705 | $5,705 |
| Geico | $3,076 | $3,202 |
| Liberty Mutual | $3,074 | $3,074 |
| Nationwide | $3,853 | $3,853 |
| Progressive | $4,402 | $4,402 |
| State Farm | $3,707 | $3,900 |
| USAA | $3,155 | $3,338 |
Cheap Wheat Ridge, Colorado Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Wheat Ridge, Colorado? Check out the comparison of annual Wheat Ridge, Colorado auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,472 | $5,783 | $6,154 |
| American Family | $3,930 | $4,242 | $4,300 |
| Farmers | $4,950 | $5,616 | $6,548 |
| Geico | $2,737 | $3,064 | $3,615 |
| Liberty Mutual | $2,865 | $3,062 | $3,296 |
| Nationwide | $3,824 | $3,855 | $3,879 |
| Progressive | $4,011 | $4,418 | $4,777 |
| State Farm | $3,496 | $3,808 | $4,107 |
| USAA | $3,079 | $3,247 | $3,414 |
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Best By Category: Cheapest Auto Insurance in Wheat Ridge, Colorado
Compare the cheapest auto insurance companies in Wheat Ridge, Colorado in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Liberty Mutual |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
The Cheapest Wheat Ridge, Colorado Auto Insurance Companies
What auto insurance companies in Wheat Ridge, Colorado are the cheapest? Compare the top Wheat Ridge, Colorado auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,803 |
| American Family | $4,158 |
| Farmers | $5,705 |
| Geico | $3,139 |
| Liberty Mutual | $3,074 |
| Nationwide | $3,853 |
| Progressive | $4,402 |
| State Farm | $3,804 |
| USAA | $3,247 |
What affects auto insurance rates in Wheat Ridge, Colorado?
There are a lot of reasons why auto insurance rates in Wheat Ridge, Colorado are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Wheat Ridge, Colorado. Many local factors may affect your Wheat Ridge auto insurance rates.
Wheat Ridge Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Wheat Ridge, Colorado commute length is 25.2 minutes according to City-Data.
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Compare Wheat Ridge, Colorado Auto Insurance Quotes
Before you buy Wheat Ridge, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Wheat Ridge, Colorado auto insurance quotes.
Frequently Asked Questions
What are the minimum auto insurance requirements in Wheat Ridge, Colorado?
The minimum auto insurance requirements in Wheat Ridge, Colorado are 25/50/15, as per Colorado auto insurance laws.
How can I find cheap auto insurance in Wheat Ridge, Colorado?
To find cheap auto insurance in Wheat Ridge, Colorado, compare quotes from multiple companies and consider factors such as driving record, credit history, and commute time.
How do age, gender, and marital status affect auto insurance rates in Wheat Ridge, Colorado?
Age, gender, and marital status can impact auto insurance rates in Wheat Ridge, Colorado. Different demographics may have varying annual costs for insurance.
Is it possible to find cheap auto insurance for teen drivers in Wheat Ridge, Colorado?
Finding cheap auto insurance for teen drivers in Wheat Ridge, Colorado can be challenging, but it’s important to compare annual rates and explore available options.
What factors affect auto insurance rates in Wheat Ridge, Colorado?
Auto insurance rates in Wheat Ridge, Colorado can be influenced by factors such as driving record, credit history, ZIP code, commute length, and coverage level.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Jimmy McMillan
Licensed Insurance Agent
Jimmy McMillan is an entrepreneur and the founder of HeartLifeInsurance.com, an independent insurance brokerage. His company specializes in insurance for people with heart problems. He knows personally how difficult it is to secure health and life insurance after a heart attack. Jimmy is a licensed insurance agent from coast to coast who has been featured on ValientCEO and the podcast Modern Li...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.