Best Cheap Auto Insurance in Wheat Ridge, CO (2021)

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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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • 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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Wheat Ridge, Colorado

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Wheat Ridge, Colorado

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.

Annual Wheat Ridge, Colorado Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Wheat Ridge, Colorado

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.

Annual Auto Insurance Rates by Credit Score in Wheat Ridge, Colorado

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.

Annual Auto Insurance Rates by ZIP Code in Wheat Ridge, Colorado

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.

Annual Auto Insurance Rates by Commute Length in Wheat Ridge, Colorado

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.

Annual Auto Insurance Rates by Coverage Level in Wheat Ridge, Colorado

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.

Best Annual Auto Insurance Rates by Company in Wheat Ridge, Colorado

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.

Average Annual Auto Insurance Rates by Company in Wheat Ridge, Colorado

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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