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Cheap Car Insurance in Westminster, Colorado

Locate cheap car insurance in Westminster, Colorado, a northwest Denver suburb than spans from Standley Lake to Interstate 25 due north of Denver. Settled in 1859, the city has about 114,000 residents today. An extensive green space and trail system includes the 12-mile Big Dry Creek Trail, stretching from the city’s eastern boundary to Standley Lake. The “Westminster Castle” was originally designed in 1890 as the cornerstone for Westminster University, which closed in 1917. The structure is now part of the Belleview Christian Schools.

Driving Conditions in Westminster

Westminster recently landed at No. 20 of 66 on a ranking of worst commuting cities in Colorado published. However, the commute from Westminster to Denver depends greatly on what part of the sprawling city one lives in. The Denver Boulder Turnpike runs northwest from Denver through the heart of Westminster, while those in the westernmost part of the city have direct access to Interstate 25. The average commute time for Westminster is 25.8 minutes, according to Census Bureau data. The average commute time for the Denver metro area is just under 26 minutes, which is on par with the national average. For updated travel information, visit www.cotrip.org.

Unique Laws in Westminster

In 2012, Colorado changed marijuana laws, allowing those over 21 to possess and consume marijuana. Any type of smoking is banned, however, throughout the state in enclosed work places, bars, restaurants and casinos. Many Colorado drivers do not realize, according to the Colorado Department of Transportation, that they can be cited for driving under the influence of marijuana.

Meanwhile, a much older Colorado law bans riding a horse while under the influence. Other laws that are good to know: You may not “mutilate” a rock within a state park. A law banning sales of alcohol on Sunday was repealed in 2008.

Westminster Crime Statistics

Data compiled by the Federal Bureau of Investigation for 2016 states there were 269 violent crimes in Westminster, four of which were murder or manslaughter. The local violent crime rate of 235 offenses per 100,000 residents is below the national average of 386 offenses per 100,000 in the U.S.

The property crime rate in Westminster was 3,496 offenses per 100,000 residents, well above the U.S. average, which is 2,451 incidents per 100,000 residents. Within Westminster, 737 vehicles were stolen in 2016, FBI data shows, a rate of 643 incidents per 100,000 residents. The national average is 236 incidents per 100,000 people.

Westminster Safety Requirements

Texting while driving is against Colorado state law, and drivers under 18 are prohibited from using cell phones at all while behind the wheel. The Colorado Department of Transportation conducts periodic “seat belt waves” throughout the year to enforce its seat belt laws. Colorado in 2011 passed an enhanced booster seat law mandating that children up to age 8 must ride in either a child restraint system or properly fitting booster seat. The fine for not buckling is $65 and parents caught with an improperly restrained child are fined $82.

Westminster Impaired Driving Laws

In Colorado, DWAI, or “driving while ability impaired,” is usually a misdemeanor involving motorists who have consumed alcohol or drugs – or both. When a blood or breath test result is between 0.05 and 0.08, then a person is likely to be charged with DWAI. However, when the result is at or over 0.08, the driver will most likely be charged with DUI, or “driving under the influence.” DWAI convictions do not normally result in license revocations, but DUI convictions do. In 2015, Colorado enacted a law making an a fourth DUI conviction automatically eligible for a class 4 felony. No matter what your background, contact us for the best insurance rates in Westminster.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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