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Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Personal Insurance

Trusted advice and insurance solutions to protect what matters most.

Business Insurance

Coverage and risk management solutions for companies of all sizes.

Right Coverage / Right Value / Right Agent®

Learn more about our agency.

With more than 30 years of experience in the insurance industry, Andy Roy is proud to offer his Colorado community quality insurance solutions. As long time residents of the area, Andy and his team find true value in operating their firm as an independent agency where clients are the main priority.

3R Insurance Agency and their team of knowledgeable and dedicated agents seek to find top insurance coverage for each client to ensure they are continually and adequately protected. They aim to establish a long-term relationship with clients and take pride in the opportunity to educate insurance options and secure coverage that will provide the most value for investment.

3R Insurance Agency is Colorado’s family-owned and operated independent insurance agency. We work with top-rated carriers with a reputation for quality products and unmatched service—because we have your back. Read more about us!

The Three Costs of Insurance

  • The cost of your premium.
  • The cost of your deductible.
  • The cost of being uninsured.

3R Insurance Agency is here to help you balance these costs and stay protected.

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What Makes 3R Insurance Agency Special

Here’s what sets us apart when it comes to serving your insurance needs.

Family-Owned and Operated

We care about our local Colorado community and have the regional experience to best protect residents and businesses of our area.

Award-Winning Agency

We are proud nine-year recipients of the Five Star Professional’s Home and Auto Insurance Professional Award, most recently earned in 2020.

Experienced Professionals

We are experienced and understand the importance of quality coverage—customizing solutions to minimize your risks and protect your assets.

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Bundle and Save

Many companies offer a discount when you buy multiple policies and the paperwork can sometimes be easier this way.

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The Advantage of an Independent Agency Working for You

What makes our independent agency different?

  • We represent multiple insurance companies.
  • We are licensed insurance advisors.
  • We are by your side every step of the way.
  • We offer a wide variety of insurance solutions.
  • We are there for you in your time of need.
Find Out How
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Real clients. Real reviews. Real coverage.

“I have known Andy for many years, he keeps track of his clients and always does his best to provide the best rates possible. Andy always provides me, my friends, and my family with the best rates possible. His professionalism and quality of customer service cannot be matched.”

– Ed D.
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Raving Reviews

Check out our reviews and see why you should switch to 3R Insurance Agency.

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Get a glimpse of the risks you face and how your insurance can protect what matters most.

Bodily Injury Liability Coverage
Risk Factor

It’s easy to get distracted while driving. All it takes is an incoming text message, a fussy baby, or changing the radio station and your eyes are off the road long enough to crash into the slowing vehicle in front of you. As an owner/operator of the vehicle, you may be held financially responsible for any bodily injuries caused as a result of the accident.


Bodily injury liability covers your legal liability for a covered accident that involves injury to another person, up to the limit of liability you select. Purchase enough coverage to protect your assets should a claim be brought against you or if you are sued. You should also consider purchasing an excess liability policy which may provide additional limits of liability.

Property Damage Coverage
Risk Factor

When involved in an auto accident, you and your family may be financially responsible for any damage caused by your vehicle to someone else's property. The amount required, if any, can vary by state.


The property damage portion of your auto insurance policy protects you if your car damages someone else's property, such as another car, a fence, or a building. In some instances, you may be able to choose your coverage limit, or it may be a standard amount dictated by the insurer or local laws.

Medical Payments Coverage and Personal Injury Protection
Risk Factor

Depending on the severity of the injuries suffered in an automobile accident, whether caused by you or by the other vehicle, it's not uncommon for healthcare costs to run into the thousands of dollars, with a large portion being out-of-pocket expenses not covered by your health plan.


Medical payments coverage or Personal Injury Protection, depending on where you live, can help cover some medical expenses and funeral expenses of covered drivers and passengers after an accident. The exact requirements, limits, and coverage can vary by state, so it's important to understand what's required where you live.

Uninsured / Underinsured Motorist Damage Coverage
Risk Factor

What happens when the driver who hit you doesn't have enough liability coverage? Or, even worse, they take off? Research has shown that this happens more than you might expect. If you’re in a collision with someone who is uninsured or underinsured, you can be left to pay out-of-pocket for damages and medical expenses not covered by the other driver.


Uninsured/underinsured motorist damage coverage may compensate you for bodily injury and lost wages caused by an uninsured motorist, a hit-and-run driver, a driver whose automobile insurance company is insolvent, or a driver who has not purchased enough coverage to pay for damages.

Physical Damage Coverage
Risk Factor

Your automobile can be a fairly costly investment – one that is exposed to many potential losses caused by weather related events, theft, and other circumstances that may be out of your control.


Physical damage coverage can protect your vehicle if it is damaged in an accident (collision coverage), is damaged by something other than a collision (comprehensive coverage) with a vehicle or object or if your vehicle is stolen. This coverage is optional if your vehicle is paid in full, but it is coverage you should consider if you want to fully protect your vehicle.

Rental Coverage / Loss of Use
Risk Factor

When your vehicle is being repaired or replaced due to a covered loss, you may have to rent a vehicle to get you to and from your daily responsibilities without any interruption. Vehicle rental can get expensive, especially over an extended period of time.


Rental coverage/ loss of use is an inexpensive option you can add to your auto insurance policy to pay for the cost to rent a temporary replacement vehicle or the cost of public or private transportation if your vehicle is ever in an accident. This coverage is available in a variety of daily limits.

Auto Insurance 101

Make sure you cover the unique risks you face with auto insurance.

  • Click on the hotspots.
  • Discover your risks.
  • Get the right coverage.

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Westminster, CO

We offer insurance solutions throughout Colorado with a focus in Wheat Ridge, CO, Denver, CO, Arvada, CO, Aurora, CO, and Lakewood, CO.

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