Cheap Auto Insurance Quotes in Denver, CO (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Between its seven sports teams and extensive nightlife options, the Mile High City has so much to brag about. But it’s also one of the many metros contending with population growth that is straining city resources—including roadways.

With an increased amount of people sharing the road, it’s always a good idea to keep your insurance policy in check to make sure it will be there to bail you out when and if you need it.

Car Insurance in Denver, CO

The average cost of Colorado car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Denver, CO to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Denver, CO

Here are the cheapest carriers in Denver for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Denver, CO

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Denver. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Denver, CO Driving Facts

Minimum Car Insurance Requirements in CO

Studies on the relationship between driver behavior and increasingly lax state laws on marijuana in Colorado have led to inconclusive results; however, marijuana-impaired highway deaths are reportedly in decline.

Colorado's minimum liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
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Denver, CO DMV Information

In-person DMV services can be found across all five Denver Division of Motor Vehicles branches. People who prefer doing business from home are not excluded from these options and can take advantage of their driver services online and by mail. Some of those services include registration renewals, license plate or sticker replacements, address updates, and some vehicle registrations. To view all the online services available to you, visit the city of Denver site. Colorado requires emissions testing for certain counties through its emission inspection program. These counties include Boulder, Broomfield, Denver, Douglas, Jefferson, and portions of Adams, Arapahoe, Larimer and Weld counties.

Public Transportation in Denver, CO

Denver offers both a bus and a rail system—so getting around to see the sites isn’t entirely impossible without your own ride. The free 16th Street Mall Ride shuttles locals and tourists through downtown, while the RTD light rail connects the city, with over a hundred miles of track to various neighborhoods. Other transportation methods that make exploring the city easier include rideshare options from Uber and Lyft as well as traditional taxi and shuttle services. Bikeshare options include the ever popular Lime and a city-funded non-profit option, Denver B-Cycle.

Conclusion: How to get the best and cheapest car insurance in Denver, CO

Plenty of Denver newbies would rather be out enjoying the state’s natural beauty than contending with traffic, but it’s the price they pay to live in a city that’s so attractive to so many.

Even though they may have to put up with some bumper to bumper, they don’t have to put up with unpredictable insurance rates if they don’t want to. And neither do you. Insurify can help you get your premiums under control by allowing you to shop for and find your best rates in minutes.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Denver stacks up for the state of Colorado:

honda
Honda Accord
Most Popular Car in
Denver, CO
suspended licenses
#13
Cities with Most
Suspended Licenses Rank

FAQs - Denver, CO Car Insurance

What is the mandatory amount of insurance coverage I need in Denver?

Colorado's minimum liability car insurance limits are as follows: $25,000 bodily injury liability per person, $50,000 bodily injury liability per accident, and $15,000 property damage liability per accident. Optional insurance products are also available, including uninsured/underinsured motorist coverage. This coverage pays for the insured's bodily injury losses caused by a hit‑and‑run driver, a driver with no automobile insurance, or a driver of an underinsured vehicle. UM/UIM coverage takes the place of the insurance the other driver should have purchased or protects the insured when the at‑fault driver's vehicle is insured, but the bodily injury liability limits of the policy are less than the limits of the insured's UM/UIM coverage.

Is uninsured motorist coverage required in Colorado?

Not everyone does what they are supposed to do when it comes to carrying insurance, and that is why uninsured motorist coverage exists. It protects you financially in case you have an accident with someone who doesn’t have insurance. But it isn’t mandatory for you to carry this kind of coverage in the state. However, by law, Colorado insurers must offer uninsured motorist coverage to anyone who purchases car insurance. According to a 2015 study by the Insurance Research Council, an estimated 13.3 percent of Coloradans were uninsured.

What are the consequences for driving without auto insurance in Denver?

You don’t want to be caught driving uninsured in Denver for several reasons. First of all, it’s against the law. Also, you’ll incur four points against your driver license every time you are found without insurance—this means higher insurance rates for sure. First-offense penalties also include a minimum fine of $500 and license suspension. You can get your license back after you’ve shown proof to the Division of Motor Vehicles that you are insured. The second time, you can be fined up to $1,000 and will have your license suspended for four months. The third and any subsequent offenses call for a minimum fine of $1,000 and license suspension for eight months. Adding insult to injury, courts may add up to 40 hours of community service to any of these penalties.