Buying Car Insurance in Denver

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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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Auto Insurance in Denver

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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.

Denver Car Insurance Requirements

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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.

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 Insurance Rates

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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.

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