Compare Wheat Ridge, CO Car Insurance Rates (2021)

Car insurance in Wheat Ridge, CO averages $344 a month. Wheat Ridge, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Wheat Ridge car insurance rates, compare quotes from the top car insurance companies in Wheat Ridge, CO.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above 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.

Here's What You Need to Know

  • The cheapest car insurance company in Wheat Ridge is Liberty Mutual
  • Average car insurance rates in Wheat Ridge, CO are $4,131/year
  • The cheapest car insurance company in Wheat Ridge for teen drivers is USAA

If you need to buy Wheat Ridge, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Wheat Ridge, CO is right here.

You’ll find Wheat Ridge car insurance rates, the cheapest Wheat Ridge, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Wheat Ridge, Colorado car insurance rates to Greeley car insurance rates, Arvada car insurance rates, and Centennial car insurance rates.

Ready to find affordable Wheat Ridge, CO car insurance today? Enter your ZIP code for fast, free Wheat Ridge car insurance quotes.

Cheapest Wheat Ridge, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Wheat Ridge, CO car insurance rates? Every Wheat Ridge, Colorado car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Wheat Ridge, CO

Every driver must carry the minimum car insurance in Wheat Ridge, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car 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

Cheapest Wheat Ridge, CO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Wheat Ridge, CO. Compare credit history car insurance rates in Wheat Ridge from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Wheat Ridge, CO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Wheat Ridge, CO to rates for a clean record with top companies.

Annual Wheat Ridge, Colorado Car 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

Cheapest Wheat Ridge, CO Car Insurance for Teen Drivers

Teen car insurance in Wheat Ridge, CO can be expensive. Take a look at rates from the top car insurance companies in Wheat Ridge for teenagers.

Annual Car 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

Cheapest Wheat Ridge, CO Car Insurance for Seniors

Take a look at Wheat Ridge, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Wheat Ridge, CO Car Insurance Rates After a DUI

A DUI in Wheat Ridge, CO increases car insurance rates. Compare Wheat Ridge, Colorado DUI car insurance by company to find the cheapest option.

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

Insurance Company Annual Car 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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Wheat Ridge, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Wheat Ridge, CO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car 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

The Best Cheap Car Insurance Companies in Wheat Ridge, CO

Take a look at a side-by-side comparison of the top car insurance companies in Wheat Ridge, CO to find the best option for your needs.

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Wheat Ridge, Colorado

Find the cheapest car insurance companies in Wheat Ridge, CO for each category right here.

Best Annual Car 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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Wheat Ridge, CO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Wheat Ridge car insurance rates. Find the cheapest Wheat Ridge, CO car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Wheat Ridge, Colorado?

What factors can have an impact on Wheat Ridge, CO car insurance? There are several reasons why Wheat Ridge car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Wheat Ridge, Colorado.

Commute Time in Wheat Ridge

The more time you spend in your car the higher the risk of an accident. The average commute length in Wheat Ridge, CO is 25.2 minutes according to City-Data.

Compare Car Insurance Quotes in Wheat Ridge, CO

Ready to find affordable Wheat Ridge, Colorado car insurance today? Enter your ZIP code for fast, free Wheat Ridge, CO car insurance quotes.

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Average Monthly Car Insurance Rates by State