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Get Cheap Car Insurance in Wheat Ridge, CO
We monitor insurance prices, helping the average driver in Wheat Ridge save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Wheat Ridge
The chart below shows the cheapest car insurance company in Wheat Ridge 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.
| Wheat Ridge Insurer | Monthly Cost |
|---|---|
| State Farm | $67 |
| Bristol West | $80 |
| Safeco Insurance | $81 |
| Geico | $83 |
Savings for Every Kind of Wheat Ridge Driver
Based on our extensive insurance data, we know the average Wheat Ridge 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 $424 per year by choosing the right vehicle insurance company. Some Wheat Ridge residents are paying out over $1,978 extra every year for auto insurance in Wheat Ridge. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Wheat Ridge, CO Savings / Yr. |
|---|---|
$424 |
|
$756 |
|
$608 |
|
$650 |
|
$1,923 |
|
$510 |
|
$746 |
Wheat Ridge Car Insurance vs. Colorado
People living in Wheat Ridge pay an average of 4.64% more than the typical driver in the state. The average driver in Wheat Ridge can expect to pay about $1,155 per year, or $1,978 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Wheat Ridge for most people.
Car Insurance Prices by Wheat Ridge Neighborhood
Insurance Prices
Where is insurance cheapest within Wheat Ridge?
The map shows insurance prices in and around Wheat Ridge, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $352 per year within the city boundaries, with insurance premiums ranging from a high of $2,168 to a low of $1,816. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Northwest parts of Wheat Ridge.Pick the Best Car Insurance Company for You in Wheat Ridge
The best car insurance provider for most drivers in Wheat Ridge
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $424 over the average Wheat Ridge car insurance company.
The best car insurance provider for Wheat Ridge drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $756 over the competition.
The best car insurance company for Wheat Ridge drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $608 better than other car insurance companies.
The best auto insurance for Wheat Ridge drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $650 less each year.
The least expensive car insurance company for new and young drivers in Wheat Ridge
In Wheat Ridge, State Farm costs young drivers $1,923 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Wheat Ridge
State Farm gave the largest car insurance discounts to married couples, averaging $510 saved each year compared to an average Wheat Ridge couple's premiums.
The cheapest car insurance in Wheat Ridge for drivers with bad credit
The best Wheat Ridge car insurance company for customer service
Nationwide was the best company for customer service in Wheat Ridge according to the NAIC.
Recent price drops
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The cheapest large national provider in Wheat Ridge
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Wheat Ridge driver can expect to pay about $128 per month.
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 Wheat Ridge, 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.Auto Insurance Prices in and Around Wheat Ridge
What Influences the Cost of Car Insurance in Wheat Ridge?
On average, car insurance in Wheat Ridge 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 city are influenced by the following factors:
- The average commute time in Wheat Ridge is 31 minutes, which is about the national average for a driver in the state.
- 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 Wheat Ridge are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Wheat Ridge is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Wheat Ridge is $96 per month for minimum coverage and $165 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 Cities
- Mountain View: Insurance costs 4.15% more
- Edgewater: Insurance costs 7.08% more
- Applewood: Insurance costs 0.30% more
- Arvada: Insurance costs 0.10% less
- Berkley: Insurance costs 8.24% more
- Fairmount: Insurance costs 1.26% less
- Lakewood: Insurance costs 3.34% more
- West Pleasant View: Insurance costs 2.12% less
- Golden: Insurance costs 2.12% less
- North Washington: Insurance costs 10.87% more
Cities with Similar Populations
- Lindenhurst: Insurance costs 36.60% more
- South Riding: Insurance costs 34.02% less
- Shelbyville: Insurance costs 31.75% less
- Paradise Hills: Insurance costs 15.87% less
- Orangevale: Insurance costs 2.88% more
- Nixa: Insurance costs 9.96% less
- Montrose: Insurance costs 12.59% less
- Milford: Insurance costs 43.73% less
- Melrose Park: Insurance costs 6.27% less
- Alamo: Insurance costs 5.36% less