Cheapest Car Insurance Quotes in Wheat Ridge

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Wheat Ridge Car Insurance

^$ 26

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Wheat Ridge

The car insurance rate in Wheat Ridge is $1250 for a six-month policy, which is $103 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $401, making it a popular choice for budget-conscious drivers. Rates in Wheat Ridge can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Wheat Ridge

$1250

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Wheat Ridge

1st place: Colorado Farm Bureau

At $401 for a six month policy, Colorado Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $440 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $661 for six months, making it the third cheapest auto insurance company in Wheat Ridge.

Wheat Ridge Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Wheat Ridge, CO is Colorado Farm Bureau, offering policies at just $401 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $440.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1606 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Wheat Ridge drivers find the best deals.

Cheap Car Insurance Companies in Wheat Ridge, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$401	$69
American National P&C	$440	$73
Auto-Owners Insurance Co	$661	$112
Acuity	$718	$120
Colorado Farm Bureau Mutual	$841	$143
American Family	$1055	$178
American National	$1088	$185
Auto-Owners	$1172	$195
USAA	$1204	$203
State Farm	$1262	$213
Progressive	$1334	$225
Allstate	$1865	$314
Farm Bureau	$1865	$317
Nationwide	$2176	$363
Farmers	$2330	$392
California Casualty	$1606	$268

Key Takeaways

Way's key takeaways about car insurance in Wheat Ridge

The auto insurance costs in Wheat Ridge fall around $401 for six months.
The cheapest auto insurance company in Wheat Ridge is Colorado Farm Bureau.
Teen drivers pay the highest rate in Wheat Ridge at $1474 per month.

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Cheapest Minimum Liability Car Insurance in Wheat Ridge

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Wheat Ridge are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Wheat Ridge. Their Average 6 Month Premium is $156. California Casualty is the most expensive at $227 for the same period.

Cheapest Liability Coverage in Wheat Ridge, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$156	$26
American National P&C	$168	$28
American National	$201	$34
Colorado Farm Bureau Mutual	$233	$39
USAA	$266	$45
Auto-Owners Insurance Co	$304	$51
Farm Bureau	$311	$52
Progressive	$324	$55
Acuity	$330	$56
State Farm	$363	$61
American Family	$370	$62
Auto-Owners	$434	$74
Allstate	$712	$120
Nationwide	$718	$122
Farmers	$725	$122
California Casualty	$227	$38

Cheapest Full Coverage Car Insurance in Wheat Ridge

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Wheat Ridge is Colorado Farm Bureau at $69 per month and $401 for six months.

Cheapest Full Coverage Car Insurance Quotes in Wheat Ridge, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$401	$69
American National P&C	$440	$73
Auto-Owners Insurance Co	$661	$112
Acuity	$718	$120
Colorado Farm Bureau Mutual	$841	$143
American Family	$1055	$178
American National	$1088	$185
Auto-Owners	$1172	$195
USAA	$1204	$203
State Farm	$1262	$213
Progressive	$1334	$225
Allstate	$1865	$314
Farm Bureau	$1865	$317
Nationwide	$2176	$363
Farmers	$2330	$392
California Casualty	$1606	$268

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Average Car Insurance in Wheat Ridge by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Wheat Ridge, CO increasing?

Despite maintaining a clean driving record, your car insurance rates in Wheat Ridge, Colorado, may be increasing due to several external factors. Colorado has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Wheat Ridge's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Wheat Ridge

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$929
30s	USAA	$681
40s	USAA	$588
50s	USAA	$594
60s	USAA	$605
70s	USAA	$709

Cheapest Car Insurance Rates for Teen Drivers in Wheat Ridge,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Wheat Ridge at $27 per month. At $8754 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$162	$27
American National P&C	$201	$34
California Casualty	$227	$38
Colorado Farm Bureau	$284	$48
Auto-Owners Insurance Co	$414	$69
Colorado Farm Bureau Mutual	$1482	$252
USAA	$1748	$294
American Family	$2169	$365
State Farm	$2856	$481
Progressive	$3548	$597
Auto-Owners	$3832	$639
Allstate	$3885	$654
Nationwide	$6979	$1163
Farmers	$8754	$1474

Teen Car Insurance Rates in CO by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Wheat Ridge.

As young drivers face the highest rates in Wheat Ridge, USAA offers the cheapest auto insurance rates at $929 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Wheat Ridge, Colorado Farm Bureau is the cheapest car insurance provider. At $304 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Wheat Ridge is State Farm, offering rates of around $4195 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$304	$51
Acuity	$467	$77
American Family	$1385	$233
Progressive	$1431	$241
USAA	$2007	$341
Farmers	$2544	$428
Allstate	$3257	$554
Nationwide	$3308	$552
Auto-Owners	$3548	$603
State Farm	$4195	$700

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Car Insurance Rates with An Accident in Wheat Ridge

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Wheat Ridge, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Wheat Ridge

The cheapest car insurance companies after an at-fault accident in Wheat Ridge include Colorado Farm Bureau and American National, offering $194 and $227, respectively. Nationwide is an expensive provider with an average six-month premium of $3794.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$194	$33
American National	$227	$38
American National P&C	$240	$40
Farm Bureau	$304	$51
California Casualty	$440	$73
State Farm	$991	$167
Colorado Farm Bureau Mutual	$1017	$169
USAA	$1017	$171
American Family	$1275	$215
Progressive	$1781	$300
Auto-Owners	$1949	$325
Allstate	$2693	$453
Farmers	$3205	$540
Nationwide	$3794	$645

Wheat Ridge Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Wheat Ridge CO. For example, the car insurance in Wheat Ridge after a DUI increases to $1152 for a six month policy. While the rate increases by $337 for a six-month policy in the case of a speeding ticket.

Wheat Ridge auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1444	$241
One Med/PIP claim	$1451	$246
Not-at-fault accident	$1476	$246
One comp claim	$1482	$252
Two Med/PIP claims	$1482	$247
Two comp claims	$1541	$262
Failure to wear a seat belt	$1612	$269
Failure to show documents	$1625	$277
Child safety restraint	$1645	$274
Driving without lights	$1645	$280
Driving with expired registration	$1709	$284
Texting while driving	$1729	$294
At-fault accident - less than $1000	$1742	$290
Cell phone violation	$1748	$298
Failure to yield	$1748	$291
Following too closely	$1748	$298
Illegal turn	$1748	$291
Failure to stop at a red light	$1755	$299
Driving too slowly	$1761	$293
Improper passing	$1768	$301
Wrong way/wrong lane	$1775	$295
Speeding 6 - 10 MPH over limit	$1781	$303
Speeding 11 - 15 MPH over limit	$1787	$298
Speeding 16 - 20 MPH over limit	$1787	$304
Speeding in school zone	$1793	$299
Passing school bus	$1826	$311
In 65 MPH zone	$1942	$324
Operating a vehicle without permission	$1949	$331
Speeding 21 - 25 MPH over limit	$1975	$329
Open container	$2026	$344
At-fault accident - $1000-$2000	$2130	$355
At-fault accident - greater than $2000	$2176	$370
Driving with a suspended license	$2279	$379
Reckless driving	$2512	$427
Refusal to submit to a chemical test	$2538	$423
Racing	$2564	$436
DUI	$2596	$433
Leaving scene of an accident/hit and run	$2693	$458

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Wheat Ridge after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Wheat Ridge.

The cheapest car insurance premiums in Wheat Ridge are offered by Colorado Farm Bureau at $227 for a six-month policy. However, it can be as expensive as $5109 with companies like Nationwide.

Wheat Ridge car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$227	$38
American National	$240	$40
American National P&C	$271	$46
Farm Bureau	$356	$61
Colorado Farm Bureau Mutual	$1036	$172
Progressive	$1101	$185
State Farm	$1121	$189
American Family	$1372	$231
USAA	$1457	$245
Farmers	$1995	$336
Allstate	$2324	$391
Auto-Owners	$2422	$412
Nationwide	$5109	$851

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Wheat Ridge are offered by American National P&C at $201. However, it can be as expensive as $3742 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Wheat Ridge after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$201	$34
Colorado Farm Bureau	$207	$35
Auto-Owners Insurance Co	$330	$57
State Farm	$738	$124
American Family	$958	$161
Auto-Owners	$1218	$203
USAA	$1237	$210
Progressive	$1269	$214
Allstate	$2136	$363
Nationwide	$3134	$522
Farmers	$3742	$637

Car Insurance Price Trends in Wheat Ridge, Colorado

Car insurance rates in Wheat Ridge have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Wheat Ridge rose by $256 in December compared to $251 of November. In other words, there has been an increase by $5 when you compare December and November.

The average cost of liability insurance in the Wheat Ridge rose to $63 in December, compared to $57 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Wheat Ridge?

The car insurance in Wheat Ridge is $26 per month, which is lower than the national average.

What is the cheapest car insurance in Wheat Ridge?

The cheapest car insurance in Wheat Ridge is $69 per month for full coverage.

How much is car insurance in Wheat Ridge for teenagers?

Car insurance for teenagers costs $162 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Wheat Ridge?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $210 per month to insure your car in Wheat Ridge.

Is car insurance expensive in Wheat Ridge?

Car insurance can be expensive in Wheat Ridge if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Wheat Ridge can be affordable.

What is the best car insurance in Wheat Ridge, CO?

The best car insurance company in Wheat Ridge CO is Colorado Farm Bureau, offering $401 for a six-month policy.