Buy Cheap Wheat Ridge, CO Auto Insurance (2022)

Wheat Ridge, CO auto insurance rates average $344 a month. Minimum auto insurance requirements in Wheat Ridge, Colorado are 25/50/15 to comply with Colorado laws. To buy cheap auto insurance in Wheat Ridge, CO, compare Wheat Ridge auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Wheat Ridge is Allstate
  • The most expensive auto insurance company in Wheat Ridge after a DUI is Allstate
  • Average auto insurance rates in Wheat Ridge, CO after a DUI are $4,905/year

Finding affordable Wheat Ridge, Colorado auto insurance can be challenging, but everything you need to know to buy cheap Wheat Ridge, CO auto insurance with confidence is right here. Auto insurance rates in Wheat Ridge are affected by local factors as well as personal ones like your driving record.

See how Wheat Ridge, CO car insurance rates compare to Colorado Springs auto insurance rates, Greeley auto insurance rates, and Arvada auto insurance rates before you read more about the cost of auto insurance in Wheat Ridge.

Don’t buy Wheat Ridge, CO auto insurance until you’ve compared rates. Get free Wheat Ridge, Colorado auto insurance quotes when you enter your ZIP code above.

Wheat Ridge, CO Minimum Auto Insurance Requirements

The required auto insurance in Wheat Ridge, CO is 25/50/15 according to the auto insurance laws in Colorado. The minimum auto insurance in Wheat Ridge, Colorado is outlined here.

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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Find Cheap Wheat Ridge, CO Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Wheat Ridge, CO. Take a look at Wheat Ridge, Colorado auto insurance rates by credit history.

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

Buy Cheap Wheat Ridge, CO Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Wheat Ridge, Colorado auto insurance rates? Find out how car insurance rates in Wheat Ridge, CO are impacted by demographics.

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

Buy Cheap Wheat Ridge, CO Auto Insurance for Teen Drivers

Auto insurance for teenagers in Wheat Ridge can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Wheat Ridge, CO are listed here.

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

Buy Cheap Wheat Ridge, CO Auto Insurance for Seniors

You can save on senior auto insurance rates in Wheat Ridge, Colorado by comparing Wheat Ridge senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Wheat Ridge, CO here.

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

Find Cheap Auto Insurance Rates in Wheat Ridge, CO by Coverage Level

The amount of coverage you choose is a big factor in the cost of Wheat Ridge, Colorado auto insurance. Compare Wheat Ridge, CO 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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Find Cheap Wheat Ridge, CO Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Wheat Ridge. Compare auto insurance rates in Wheat Ridge, CO by commute length to see how your daily commute impacts your rates.

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

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Wheat Ridge, CO Auto Insurance Rates by Driving Record

Auto insurance rates in Wheat Ridge, Colorado are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Wheat Ridge, CO, take a look at the average cost for various violations versus rates for a clean driving record in Wheat Ridge.

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

Find Cheap Wheat Ridge, CO Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Wheat Ridge, Colorado is higher than for a clean driving record. You can buy auto insurance after a DUI in Wheat Ridge for less when you shop around and compare rates from multiple Wheat Ridge, CO auto insurance companies.

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

Winners by Category: Where to Buy Cheap Auto Insurance in Wheat Ridge, CO

Compare rates from the cheapest auto insurance companies in Wheat Ridge, CO for your needs. Take a look at how Wheat Ridge, Colorado auto insurance companies stack up for each category.

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

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Find Cheap Wheat Ridge, Colorado Auto Insurance Companies

If you’re looking for the cheapest Wheat Ridge, CO auto insurance companies overall, you can compare them here. Find the best price for Wheat Ridge, Colorado car insurance by company.

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 Wheat Ridge, Colorado auto insurance rates?

Local factors affect auto insurance rates in Wheat Ridge, CO, including traffic, theft statistics, and commute length. Take a look at the things that impact Wheat Ridge auto insurance rates.

Commute Times in Wheat Ridge

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Wheat Ridge, CO is 25.2 minutes according to City-Data.

Compare Auto Insurance Quotes in Wheat Ridge, CO

You can buy cheap Wheat Ridge, CO auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Wheat Ridge, Colorado auto insurance quotes from top companies.

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