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Car Insurance for Denver, Colorado

Denver has the most people of any city in Colorado, which means that auto insurance rates are higher there. Auto insurance is important to buy, but it's not always easy to find cheap car insurance in Colorado.

That's why it's essential to get quotes from more than one insurance company. Way.com can help you get car insurance with nothing to compromise, whether you live in the city or on the outskirts. Get a free car insurance quote in Colorado today.

How Much Does Car Insurance Cost In Denver?

Denver Rates Vs Colorado Vs United States Averages

The average car insurance cost for a driver in Denver is $1,860. That's more expensive than the average price in Colorado, which is $1,780, and more expensive than the average price in the U.S. Our car insurance guide in Colorado includes average rates based on age, credit score, driving history, and marital status.

Denver (annual average) Colorado (annual average) United States
$1,860 $1,780 $1,557

Denver auto insurance premiums by:

  • Company
  • Age group
  • Marital status
  • Gender
  • Driving record
  • Credit rating
  • ZIP Code

Denver Auto Insurance Premiums By Company

State Farm, The General, and Progressive were the three most affordable insurance providers in Denver, according to our research. Minimum coverage was priced at an average of $699 by these three carriers. This results in yearly savings of around $405 for drivers in Denver, where the average cost of minimum coverage auto insurance is $1,105.

Company Annual rate
State Farm $612
The General $710
Progressive $800
Allstate $886
Nationwide $1,166
Farmers $1,212
American Family $2,910

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Denver Auto Insurance Premiums By Age Group

Drivers in their 50s pay an average of $1,756 a year for car insurance in Denver, which is the lowest premium for any age group. A year's worth of insurance in Denver for a driver in his or her sixties costs just $1,778.

Auto insurance premiums for young drivers in Denver are some of the highest in the state. Insurance premiums in Denver reduce significantly while drivers are in their 20s.

Age group Average Annual Rate
Teenagers $7,010
20s $2,472
30s $1,899
40s $1,843
50s $1,756
60s $1,778
70s $2,093

Denver Auto Insurance Premiums By Marital status

In Denver, married drivers pay less for car insurance than single drivers. In many states, married drivers' insurance premiums are lower than those of single policyholders. In Denver, single drivers pay more than those who have been widowed.

Gender/Marital Status Average Annual Rate
Single $1,920
Married $1,816
Divorced $1,854
Widowed $1,888

Denver Auto Insurance Premiums By Gender

Another variable that influences car insurance premiums is the gender of the driver. In Denver, female drivers pay an extra in car insurance premiums compared to male drivers.

Gender/Marital Status Average Annual Rate
Female $1,978
Male $1,954

Denver Auto Insurance Premiums By Driving record

Drivers in Denver who are convicted of reckless driving face an annual premium increase of $720 compared to the city average. Speeding tickets raise insurance rates by $356, while DWI/DUI violations cost an additional $692 per year in insurance premiums.

Incident Average Yearly Rate
DWI/DUI $2,654
Reckless Driving $2,676
At-fault Accident (damages less than $1,000) $2,446
At-fault Accident (damages greater than $2,000) $2,778
Speeding Ticket (16-20 mph over speed limit) $2,310

Denver Auto Insurance Premiums By Credit Rating

In many circumstances, the cost of car insurance is directly connected to a driver's credit score. Car insurance premiums can be reduced by as much as 57 percent for Denver drivers who raise their credit rating from "Very Poor" (300-579) to "Exceptional" (800-850).

Saving money on car insurance is much easier when your credit rating moves from "Very Poor" to "Fair.". If you live in Denver, lowering your insurance costs by $1,386 a year is possible if you raise your credit score to "Fair."

Credit Tier Average Annual Rate
Very Poor $3,760
Fair $2,382
Good $1,956
Very Good $1,788
Exceptional $1,612

Denver Auto Insurance Premiums by Zip Code

Each ZIP code has its own unique crime, theft, and uninsured-vehicle rates. Car insurance companies may consider you a higher risk than a neighbor down the street if you live in a bad neighborhood that doesn't get along with its residents. Denver, regrettably, is no exception to this generalization.

ZIP code Average rate - Full coverage
80014 $3,656
80110 $3,433
80123 $3,256
80202 $3,452
80203 $3,522
80204 $3,623
80205 $3,489
80206 $3,642
80207 $3,666
80208 $3,542
80209 $3,513
80210 $3,512
80211 $3,495
80212 $3,433
80216 $3,688
80218 $3,499
80219 $3,988
80220 $3,665
80221 $3,292
80222 $3,563
80223 $3,845
80224 $3,526
80225 $3,388
80227 $3,612
80228 $3,412
80229 $3,244
80230 $3,611
80231 $3,486
80232 $3,684
80235 $3,498
80236 $3,655
80237 $3,365
80238 $3,423
80239 $3,754
80246 $3,599
80247 $3,812
80249 $3,726
80264 $3,475
80265 $3,498
80266 $3,468
80290 $3,466
80293 $3,449
80294 $3,456
80295 $3,488
80299 $3,413

What Would Increase Your Car Insurance Rate In Denver?

The percentage of uninsured motorists and the number of fatal accidents in Denver, both of which are directly related to the city's geographic location, also play a role in the cost of vehicle insurance. As the most populated city in the United States, Denver has a considerable impact on premium pricing.

Auto Theft Statistics In Denver

With a population of over a million people, Denver ranks first in car theft in Colorado. According to FBI crime data for 2019, about seven cars are stolen for every 1,000 residents.

City Population Car thefts Thefts per 1,000 residents
Denver 728,941 5,294 7.26

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Accidents Statistics In Denver

According to city data, there were 3,453 traffic "accidents" on streets with a 25mph speed limit or less in 2021, according to a Denverite analysis. 20 percent of Denver's 18,000 total incidents in 2021 are represented by this number.

Useful Info For Driving in Denver

Drivers in Denver lose an average of 60 hours a year due to traffic, making it the 15th most congested city in the United States. It's also expensive to park (though not excessively so), gas prices are on the rise, and Colorado is one of the most expensive states when it comes to auto insurance. Denver motorists should be aware of the following additional dangers when driving through the city.

Roads

The roads in downtown Denver are divided into two distinct grids, one that runs from north to south and the other that runs from east to west. After a few trips around the neighborhood, you'll get the hang of it a little easier. One-way streets and a large number of pedestrians should be avoided at all costs.

I-25 and I-70 are the two main highways in the Denver area. Even outside of rush hour, they're always crowded, but they're well-maintained and easy to drive on. Be on the lookout for signs in the far left-hand lanes, as these are frequently toll roads.

Before you get behind the wheel, familiarize yourself with the city's layout and important street names like Colfax and Broadway.

Parking

Even though finding a parking spot in Denver can be a challenge, it's much easier than in other cities.

As of this writing, seven surface-level public parking lots are being managed by the city's Department for Transportation and Infrastructure (DOTI). Prices for regular hours vary widely depending on the location and time of day, from $3 to $12 for events. There is also a monthly parking option, which can be paid for with cash or major credit cards.

Public parking garages are also managed by the DOTI. From 4am to 11pm, the parking garage at the Cultural Center Complex is open, with rates ranging from $3 to $10 depending on the length of your stay. For a fee ranging from $3 to $10, visitors to the Denver Justice Center Garage can park there any time of day or night. The parking garage at the Denver Performing Arts Complex is open 24 hours a day, seven days a week, and charges $3 to $10 for a lost ticket. On days when there are events, the rates for all three garages will rise.

The city also has a fair amount of on-street/meter parking available. Metered parking is metered, but on Sundays and major holidays, street parking is free.

Weather

Denver's weather can be a bit extreme at times, especially for visitors from milder climates. When it's hot and cold in Denver, here's what to expect:

Summer: During the summer months, it can get quite hot in Colorado, but not hot enough to keep people from driving. In the coming months, tourists and residents alike will flock to the mountains and the sun to take advantage of the warm weather. To avoid getting stuck in traffic, use a traffic app before you leave the house.

Winter: It's not a surprise that the winters in Colorado are brutally cold and harsh. Reduce your speed and keep a safe distance from other drivers when driving in the snow and ice. Use a brush/scraper and non-freezing wiper fluid to keep your windshield clear in the winter.

Hail showers and lightning storms can occur at any time in the state of Colorado. Preparation is key when driving in the mountains because of the risk of mudslides, rockfalls, and flash flooding. Passenger Vehicle Traction Law can also be enacted by the Colorado Department of Transportation (CDOT) during severe winter storms.

Car Insurance Companies in Denver

If you drive and own a car, you need auto insurance not only for your protection but also because Colorado state law requires it. These are the top car insurance companies in Denver:

Car Insurance Companies in Denver
AFI Allied
Allstate American Family
Amica Mutual Insurance Auto-Owners
Branch Bristol West
Cal Casualty Cinch
Colorado Farm Bureau Dairyland
Encompass Farmers
Farmers GroupSelect FIMC
Foremost The General
Grange Insurance Hippo
Kemper Auto Liberty Mutual
Mendota MetLife
National General Nationwide
Progressive Safe Auto
Safeco Say Insurance
State Auto State Farm
Sun Coast The General
The Hartford Titan
Travelers Unitrin
USAA  

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

FAQs

Do I need car insurance Denver, Colorado?

In Denver, Colorado, it is a legal requirement for all drivers to carry auto insurance. The following minimums are mandated by the state: Each person is liable for a maximum of $25,000. Liability for bodily injury up to $500,000 per incident.

How much is car insurance in Denver, Colorado?

The average car insurance cost for a driver in Denver is $1,860. That's more expensive than the average price in Colorado, which is $1,780, and more expensive than the average price in the U.S.

How do I find cheap car insurance in Denver, CO?

For each individual customer, the cheapest company may be different. When determining your insurance premium, some companies may consider your driving record, while others may focus more on your claim history. You may be eligible for more discounts from one company than another. Because of these reasons, you may want to get quotes from several different car insurance providers to find the best deal for you.

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Learn more by city and state for car insurance




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