Cheap Auto Insurance Quotes in Denver, CO (August 2022)

Minimum Car Insurance Requirements in Colorado

All motor vehicles operated or parked on Colorado roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement
• Renewing vehicle registration
• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Colorado^[1] are:

• $25,000 per person for bodily injury
• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Colorado is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Denver DMV Information

Within Denver, there are five different in-person Department of Motor Vehicles branches, labeled Northwest, Northeast, Southwest, Southeast, and Tremont. For the convenience of those who cannot make it in person, many services provided at these locations can also be completed online at the official website for the city of Denver or through the mail.

Services accessed outside of the in-person offices include registration renewals, address updates, license plate and sticker replacements, and vehicle registrations in some cases. Colorado requires emissions testing in Denver and other counties, which is available through the Denver DMV branches. More information is available on the city of Denver website.

Public Transportation in Denver

Both a bus and a rail system are available in Denver, which makes some in-city travel possible without your own car. For instance, both locals and tourists utilize a completely free service called the 16th Street Mall Ride to travel downtown. The RTD light-rail is another option that provides access from the city to other nearby neighborhoods, with 11 separate tracks.

Other methods for transportation are available as well. Taxis and shuttle services are of course available, as well as rideshare options like Uber and Lyft. Bikeshare is another fun option, with bikes available from both Lime and its city-funded equivalent Denver B-Cycle.

How to Get the Cheapest Car Insurance in Denver

Car insurance can be a strain on your finances, but finding a coverage plan that works for you, even if it is simply Colorado’s required minimum coverage, is crucial. Underinsured and uninsured motorists risk large fees in the event of an accident. A full-coverage policy is not necessary but includes important liability coverage to cover costs of potential medical payments.

Liability insurance can be purchased on its own, whether or not you settle for the state minimum liability for bodily injury liability and property damage liability. Coverage limits and costs of deductibles depend on a number of factors, which is why Insurify offers a simple way to compare the cheapest coverage in Denver for your specific needs at your convenience.