AUTO – COLORADO

Insurance Wheat Ridge

Welcome to Wheat Ridge! This dazzling municipality is an amazing and eclectic city! It is so close to the heart of Denver without being in the middle of a huge city.

Liability Insurance Requirements In Wheat Ridge

Insurance Wheat Ridge
2024 Car Insurance Wheat Ridge

When obtaining auto insurance, liability insurance is a requirement. States can have different minimum coverage that is required. For the state of Colorado, the state minimum that is required is 25/50/15. You could raise it higher if you chose to do so. As you can see on the chart below, it shows the average cost of liability in Wheat Ridge.

StateMinimum Coverage RequirementsAverage Cost for Minimum Liability Coverage
Colorado25/50/15$510
Insurance Wheat Ridge

Liability/Full Coverage Insurance Wheat Ridge

Average Annual Insurance Rates in Wheat Ridge
Liability Insurance rates in Wheat RidgeLiability State Average
$487.57$510.15
Full Coverage Insurance in Wheat RidgeFull Coverage CO average
$875.49$934.59

As you saw right above the requirements for the minimum liability coverage required, this chart here shows the same but shows what Full Coverage can cost you as well. This chart compares what the cost of liability and full coverage is in Wheat Ridge and what liability and full coverage cost on average in the state of Colorado.

Insurance Wheat Ridge Cheapest Liability Rates

When you are shopping for auto insurance, you are thinking if you are going to pay for full coverage or just liability. We listed a few companies in Wheat Ridge and ranked them according to the cheapest price for liability insurance. As you can see, Dairyland comes in number one place for the average price of $86.00 and Liberty Mutual in last place for a price of $134.00. Check out the rest!

RankCompanyAverage price
1Dairyland (Viking)$86.00
2Progressive$106.00
3Mendota$111.00
4Bristol West$116.00
5Travelers$122.00
6The General$123.00
7Liberty Mutual$134.00
Insurance Wheat Ridge

Insurance Wheat Ridge Companies We Represent

Insurance Companies in Wheat Ridge, Colorado that we represent
Safeway
Bristol West-Foremost Star
Victory
Assurance America
Dairyland
Orion 181
The General
Mendota
Suncoast
Gainsco
USLI
Travelers
Progressive
Best Choice
ASI


Want to know why we can give you multiple price options when we are giving you a quote? Well, that is because we work with multiple companies. We always want to be able to give you the best rate for you and your insurance needs. We can do that with the variety of companies we work with. You can see the list of them up above.

Insurance Wheat Ridge SR22 Insurance Rates

SR22 is a certificate that you will need to obtain if you have had a DUI or any other serious moving violations. This SR22 will allow you to be able to drive and reinstate your drivers license. The time limit is different in each state. If you look at the chart below, you will see some companies and how much it is to file with it.

SR22 Insurance Rates in Wheat Ridge, Colorado
Below is amount the amounts company adds to the premium to file the SR22 with the state.
CompanyAverage (SR22 Fee)
Assurance America$25
Bristol West$35
DairylandFree
Gains Co$25
Mendota$25
Progressive5% (average)
State FarmSR22 Not available
The General$25
TravelersSR22 Not available
Insurance Wheat Ridge

Rates are affected by many things

Credit checks, driving record, and many other things can raise or lower your premium.

Insurance Wheat Ridge How Your Credit Can Affect Your Insurance Rates

Credit Impact on Insurance rates in Wheat Ridge
Average Premium by Score
Excellent$111.00
Good$125.08
Average$150.60
Poor$213.00


Your credit score impacts several things when it comes to major things in your life. Your auto insurance rates are one of those things. Auto insurance companies sometimes will look at your credit score and determine what your rate will be. You will still be able to obtain insurance with a poor credit score, but just look for your rates to be a bit higher. You can look at some examples above.

Insurance Wheat Ridge Rating Factors

When you call to get a quote for auto insurance, you will be asked several questions. The answers to some of these questions can have an impact on your rates. These are called insurance rating factors. These factors can sometimes affect your rates for tremendously or may not have an impact at all. We listed some factors below and how they impact your rates.

FactorRate Impact
EducationLow
How many drivers per vehicles listedmedium
Color of carnone
Marital StatusMedium
GenderMedium
Driving recordHigh
Vehicle Make and ModelMedium
anti theft deviceLow
Major Violations (DUI,DWI,etc)High
Insurance HistoryMedium
Insurance Wheat Ridge

Frequently Asked Questions About Car Insurance in Wheat Ridge

Q1: What are the minimum auto insurance requirements in Wheat Ridge, Colorado?

A1: In Wheat Ridge, Colorado, drivers are required to have liability auto insurance coverage with minimum limits. Colorado’s minimum liability limits are:

  • Bodily Injury Liability: $25,000 per person and $50,000 per accident
  • Property Damage Liability: $15,000 per accident

Q2: What additional coverage options should I consider for my Wheat Ridge car insurance?

A2: For your Wheat Ridge car insurance, consider additional coverage options like uninsured/underinsured motorist coverage, comprehensive coverage, collision coverage, and medical payments coverage. These options can provide extra protection in various situations.

Q3: How can I find affordable car insurance rates in Wheat Ridge, CO?

A3: To find affordable car insurance rates in Wheat Ridge, Colorado, consider obtaining quotes from multiple insurance providers. Additionally, explore discounts related to factors like safe driving, bundling policies, and maintaining a good credit score. Working with an independent insurance agent can help you navigate your options and find competitive rates.

Q4: Who is the best Colorado Insurance Agent in Wheat Ridge?

A4: For assistance in finding the best Colorado Insurance Agent in Wheat Ridge, contact our experienced team at A Plus Insurance. We work with reputable agents to ensure you get personalized service and the coverage that meets your unique needs.

DMV Address And Phone Numbers In Wheat Ridge

Lakewood Driver License Office
1881 Pierce Street
Lakewood, CO 80214
(303) 205-5600
Lakewood Registration & Titling
2099 Wadsworth Blvd.
Lakewood, CO 80214
(303) 271-8100


Vehicles, car insurance, and the DMV. They all go hand in hand. The DMV is a vital place when it comes to handling anything with your automobile. Some have made it easier, where you can now make appointments or even do some of the things online. Just in case though, listed above is the DMV and Registration information for Wheat Ridge.

When moving or visiting anywhere, you tend to always want to know the weather. You will want to check the weather for what its like for a location all year round. That may impact on what time of the year you visit or even just enjoy more. We have listed just a few main things that people look for when they check the weather.

Wheat Ridge, Colorado
Summer high: The July high is around 88 degrees
Winter Low: The January low is 23 degrees
Rain: 11 Inches of rain a year
Snow: 32 inches of snow per year
Insurance Wheat Ridge
Other Helpful Links
Insurance Grand Junction
Cheap Car Insurance Englewood
Insurance Castle Rock
Auto Insurance Montrose

Last Updated on by Lauren Mckenzie

Spread the love
Scroll to Top