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Get Cheap Car Insurance in Bel Aire, Wheat Ridge, CO

We monitor insurance prices, helping the average driver in Bel Aire save up to 30.1% on car insurance.

 

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The Cheapest Minimum Coverage in Bel Aire

The chart below shows the cheapest car insurance company in Bel Aire for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Bristol West, Safeco Insurance, and Geico.

 
Bel Aire Insurer Monthly Cost
State Farm $67
Bristol West $79
Safeco Insurance $81
Geico $83

Savings for Every Kind of Bel Aire Driver

The table shows how much the average auto insurance customer in Bel Aire might save by following our recommendations.

Based on our extensive insurance data, we know the average Bel Aire driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $422 per year by choosing the right vehicle insurance company. Some Bel Aire residents are paying out over $1,970 extra every year for auto insurance in Bel Aire. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Bel Aire, Wheat Ridge, CO Savings / Yr.
Drivers with good records
$422
Drivers with accidents
$752
Drivers with speeding tickets
$605
Drivers with a DUI conviction
$647
Young drivers
$1,915
Married drivers
$508
Drivers with bad credit
$743

Bel Aire Car Insurance vs. Wheat Ridge

People living in Bel Aire pay an average of 4.22% more than the typical driver in the state. The average driver in Bel Aire can expect to pay about $1,151 per year, or $1,970 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Bel Aire for most people.

Car Insurance Prices by Bel Aire Neighborhood

Bel Aire, Wheat Ridge, CO map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Bel Aire?

The map shows insurance prices in and around Bel Aire, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $239 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,058 to a low of $1,819. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the Northeast parts of Bel Aire.

Pick the Best Car Insurance Company for You in Bel Aire

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Bel Aire insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Bel Aire

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $422 over the average Bel Aire car insurance company.

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We use the average good driver, paying $129 per month, as our baseline for pricing in Bel Aire. Geico, Travelers, and Auto-Owners Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Bel Aire drivers with accidents on their records

In Bel Aire getting into an accident will raise premiums an average 34% for a yearly cost of $2,970. That's $1,000 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Bristol West are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $752 over the competition.

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The best car insurance company for Bel Aire drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $605 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Bel Aire, tickets raise premiums on new quotes about $673. If you have a speeding ticket, we recommend State Farm, Geico, and Bristol West for savings that beat the average insurance cost of $2,643 per year.

The best auto insurance for Bel Aire drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,103 per year in auto insurance premiums, which was $1,133 more than a driver with no major issues. State Farm, Travelers, and Bristol West penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $647 less each year.

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The least expensive car insurance company for new and young drivers in Bel Aire

In Bel Aire, State Farm costs young drivers $1,915 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in Bel Aire. With an average cost of $6,373 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and American Family Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Bel Aire

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $126. State Farm, Geico, and Progressive provided the largest discounts to couples living in Bel Aire.

State Farm gave the largest car insurance discounts to married couples, averaging $508 saved each year compared to an average Bel Aire couple's premiums.

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The cheapest car insurance in Bel Aire for drivers with bad credit

People with poor credit saved an average of $743 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,123 every year. Premiums for people with poor credit were about $3,093 in Bel Aire. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Bristol West.

The best Bel Aire car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Bel Aire, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Bel Aire.

Nationwide was the best company for customer service in Bel Aire according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Bel Aire, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Bel Aire. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Bel Aire

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 35% of Bel Aire residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Bel Aire driver can expect to pay about $128 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Bel Aire, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, married couples, young drivers, good drivers, drivers with bad credit, and drivers with accidents.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Bel Aire

What Influences the Cost of Car Insurance in Bel Aire?

On average, car insurance in Bel Aire is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Bel Aire is 31 minutes, which is about the national average for a driver in the city.
  • Colorado state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Bel Aire are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
  • Bel Aire is a fairly densely populated area in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Bel Aire is $96 per month for minimum coverage and $164 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Bel Aire driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Bel Aire with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.