Cheap Auto Insurance Quotes in Denver, CO (2021)

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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.

$117
$186
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$252
$255
State FarmNationwideTravelersThe GeneralAmerican Family

Cheapest Car Insurance in Denver

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

$195
$215
$228
$142
$176
$216
ColoradoColorado SpringsAuroraFort CollinsArvadaDenver

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Denver, CO Driving Facts

colorado

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

Denver Car Insurance Rates by Driver Age

Mile High City drivers pay an average of $266 per month for insurance when you look at the population as a whole. However, when considered by age group, a clearer picture of Denver car insurance rates emerges. While those in their 20s pay the most for insurance (an average of $300 monthly), insurance costs decline as much as $52 a month with each decade of age and earned driving experience until drivers hit their 60s.

Driving History
No Violation$251
Speeding Ticket$305
At-Fault Accident$306
Failure to Stop for Red Light / Stop Sign$291

Denver Car Insurance Rates by Driving and Accident History

Insurance companies use your driving record to inform them of the rates they should be charging for your policy. Though driving mistakes aren’t uncommon, the consequences include increased insurance premiums. For example, Denver drivers with a spotless driving record pay an average of $660 less per year on car insurance than those whose records reflect an at-fault accident.

Denver Car Insurance Rates by Credit Tier

Though there’s more to a credit score than just paying your bills on time, drivers who do are more likely to see the benefits of their credit scores when it comes to calculating insurance rates. A poor credit score affects your insurance rates like a poor driving record can. On average, Denver drivers with an excellent credit score can expect to pay $248 in monthly car insurance premiums, while those with a poor credit score pay an average of $20 more for the same coverage.

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.

Find local Denver agents

Insurance Town & Country
1735 E. 17th Ave., Denver, CO 80218
AFI-Almeida Florez Inc.
3900 West 38th Ave, Denver, CO 80212
JJ Insurance Inc
880 Buchtel Blvd, Denver, CO 80210
Moody Insurance Agency
8055 E Tufts Ave, Denver, CO 80237
Bonnie Brae Insurance Agency
179 S. Colorado Blvd, Denver, CO 80246
Kasztl Insurance Agency
1615 California St, Denver, CO 80202
Denver Insurance LLC
1127 Auraria Parkway Suite 22, Denver, CO 80204
Spotlight Insurance Agency
3000 E Bates Avenue, Denver, CO 80210
CRS Insurance Brokerage
6600 E Hampden Ave Ste 200, Denver, CO 80224-3045
Insurance Collective, LLC
1550 Wewatta St, Denver, CO 80202

Insurify Insights: How Denver Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Denver, CO
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#11
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Denver drivers measure up to their fellow Colorado motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Denver

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Denver drivers rank 7 in the number of car accidents per driver across all cities in Colorado.

  • Rank within state: #7
  • Percent of drivers in Denver with an accident: 11.83%
  • Drivers in Denver, CO with an accident in their driving history paid on average 30.84% more than drivers with a clean record

Speeding Denver

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Colorado, Denver drivers rank 12 in the number of speeding infractions per driver.

  • Rank within state: #12
  • Percent of drivers in Denver with a speeding ticket: 13.66%
  • Drivers in Denver, CO with a speeding ticket in their driving history paid on average 29.07% more than drivers with a clean record

DUI/DWIs Denver

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Denver drivers rank 12 in the number of DUI’s per driver across all cities in Colorado.

  • Rank within state: #12
  • Percent of drivers in Denver with a DUI: 2.71%
  • Drivers in Denver, CO with a DUI in their driving history paid on average 12.33% more than drivers with a clean record

Most Popular Vehicle Denver

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Denver is the Honda Accord.

Rude Denver

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Colorado, Denver drivers rank 8 in rude driving infractions.

  • Rank within state: #8
  • Percent of drivers in Denver with a reckless driving violation: 2.97%
  • Drivers in Denver, CO with a reckless driving violation in their driving history paid on average 21.59% more than drivers with a clean record.

Safest Drivers Denver

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Denver drivers rank 9 in clean driving records across all cities in Colorado.

  • Rank within state: #9
  • Percent of drivers in Denver with clean record: 75.17%

Failure to Yield the Right of Way Denver

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Denver drivers rank 10 in failure to yield violations per driver across all cities in Colorado.

  • Rank within state: #10
  • Percent of drivers in Denver with a failure to yield violation: 0.49%
  • Drivers in Denver, CO with a failure to yield violation in their driving history paid on average 4300% more than drivers with a clean record

Reckless Drivers Denver

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Colorado, Denver drivers rank 8 in the number of reckless driving offenses per driver.

  • Rank within state: #8
  • Percent of drivers in Denver with a reckless driving offense: 0.19%

Hybrid/Electric Vehicle Ownership Denver

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Denver drivers rank 11 in hybrid and electric vehicle ownership across all cities in Colorado.

  • Rank within state: #11
  • Percent of drivers in Denver with a hybrid/electric vehicle: 1.36%

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.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.