Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Nov 6, 2020

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's what you need to know...

  • Denver is a tort state, which may cause you to want to purchase more than just the state minimum for coverage
  • If you are searching for coverage in Denver, there are hundreds of companies that offer options
  • Before you decide on a company, be sure to compare costs and coverage options between several different insurers

Driving in Denver, Colorado, is a little different than driving in other parts of the country. The city sits high above sea level and is commonly referred to as the Mile High City. Blessed with picturesque scenery of the mountains and the great outdoors, Denver is a great place to live.

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Car Insurance in Denver

While there is an average of more than 60 inches of snow that falls on the city of Denver every year, surprisingly enough, the harsh weather conditions do not make Denver a more expensive place to insure a car than a sunny area like Miami, Florida.

Average car insurance rates may be due to the fact that the accident rate is no higher because of the inclement weather.

Young drivers in Denver tend to have higher auto insurance rates, just like young drivers anywhere else in the country.

Insurance companies will charge teenagers higher rates for auto insurance coverage simply because they fit into a demographic group that tends to have more accidents.

Monthly Denver, CO Car Insurance Rates by ZIP Code

Find more info about the monthly Denver, CO car insurance rates by ZIP Code below:

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Denver, CO Car Insurance Rates by Company vs. City Average

The cheapest Denver, CO auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Colorado auto insurance company rates?” We cover that as well.

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The Cheapest Denver, CO Car Insurance Rates by Credit Score

Your credit score will play a major role in your Denver, CO auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Denver, Colorado auto insurance rates by credit score below.

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Denver, CO Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Denver, CO against other top US metro areas’ auto insurance rates.

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The Cheapest Denver, CO Car Insurance Rates by Coverage Level

Your coverage level will play a significant role in your Denver, CO auto insurance rates. Find the cheapest Denver, CO auto insurance rates by coverage level below:

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Average Monthly Car Insurance Rates by Age & Gender in Denver, CO

These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Denver. CO does use gender, so check out the average monthly auto insurance rates by age and gender in Denver, CO.

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Denver, CO Car Insurance Rates by Company and Age

Denver, CO auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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The Cheapest Denver, CO Car Insurance Rates by Driving Record

Your driving record will affect your Denver auto insurance rates. For example, a Denver, Colorado DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Denver, Colorado auto insurance rates by driving record.

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Factors Affecting Car Insurance Rates in Denver, CO

Factors affecting auto insurance rates in Denver, CO may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Denver, Colorado auto insurance.

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Denver Car Insurance Requirements

Denver and the State of Colorado operate under a tort system of law.

In colorado, a driver who is at fault in an accident is held responsible for both bodily injury and property damage that he or she may have caused to another vehicle or party.

The City of Denver requires all drivers or owners of vehicles that will be operated within the boundaries of Denver to carry a minimum amount of bodily injury liability and property damage liability insurance.

The minimum coverage requirements are $25,000 for any single individual injured in an accident and $50,000 for all individuals in a separate party that may be injured in a single accident.

For property damage to another vehicle or other property damaged in a motor vehicle accident, you must have at least $15,000 of property damage liability auto insurance.

Denver Car Insurance Laws

Failure to obey the auto insurance laws in Denver and the State of Colorado can have serious consequences.

Driving without the mandatory minimum required bodily injury and property damage liability insurance can result in:

  • Impoundment of your vehicle
  • Suspension of your license
  • Inability to register your vehicle anywhere in the State of Colorado
  • Added expense if and when you finally do get it insured.

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Denver Car Insurance Companies

If you are looking to buy auto insurance coverage in Denver or the State of Colorado, you will have a choice of more than 20 Nationally-based insurance companies that write both individual and commercial vehicle insurance policies.

You can choose to contact each company individually, or you may elect to deal with an independent agent that represents a number of different Colorado insurance companies.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Denver Car Insurance Agencies

In and around the Denver area, there are close to 500 independent insurance agencies, some of which represent a single national insurer — such as Allstate, Geico, or State Farm — and others who have relationships with a number of different insurers.

Insurance companies all evaluate risk in different ways.

For this reason, you need to compare rates from multiple companies for your unique situation.

Average Denver Car Insurance Rates

Denver car insurance rates vary from driver to driver and the extent of coverage that you choose to buy.

Premiums for Denver residents are typically around $1,512 per year.

However, several factors affect the rate Denver residents receive for auto insurance coverage. These factors include:

  • the type of car you drive
  • where in Denver you live
  • your age
  • your driving record
  • safety equipment in your vehicle
  • your claims history

Denver Driving and Car Insurance Statistics

One of the tools that Denver auto insurance companies use to determine the premiums that they will charge for auto insurance is to analyze some of the statistics that can indicate risk.

Besides doing a personal evaluation of the individual, they also take a collective look at the accidents and injuries caused each year by Denver drivers.

2009 Denver City & County Accident Statistics:

  • Total Traffic Accidents ………………………………….. 21,554
  • Total Traffic Citations …………………………………… 144,879
  • Total Traffic Fatalities …………………………………… 37
  • Accidents with Serious Bodily Injury ………………. 158
  • Other Less Serious Injuries ……………………………. 1,940
  • Hit and Run Accidents …………………………………… 5,178

As a driver or owner of a vehicle in Denver, you owe it to yourself to compare several different insurance companies when shopping for auto insurance coverage.

Unless you are independently wealthy and do not care what you pay for auto insurance, you can get the best deal by investing some time and effort into researching different companies and getting some rate quotes.

You can save several hundred dollars on the same coverage just by taking the time to compare car insurance rates.

Enter your ZIP code below and start comparing the best affordable car insurance INSTANTLY!