Best Cheap Auto Insurance in Denver, Colorado (2024)

Drivers in the Mile High City pay more for car insurance than the U.S. average.

Erin Gobler
Written byErin Gobler
Erin Gobler
Erin Gobler
  • 5+ years of finance writing experience 

  • Certificate of financial planning from Boston University

Erin is a personal finance writer and journalist with work featured in major publications. Her writing explores investing, credit cards, mortgages, insurance, and more.

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Danny Smith
Edited byDanny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Shawn Powers
Reviewed byShawn Powers
Headshot of licensed insurance agent Shawn Powers.
Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated February 29, 2024 at 11:00 AM PST

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Situated at the base of the Rocky Mountains, Denver, Colorado, has 300 days of sunshine each year, natural beauty, and sweeping mountain views. As the state capital, Denver is the most-populous city in Colorado, which could explain why Denver drivers pay an average auto insurance rate of $242 per month — $103 more than the national average. 

Some insurers, including State Farm and USAA, offer affordable policies without sacrificing quality or coverage. Keep in mind that the cheapest company for you may be different depending on your unique situation and insurance needs. 

Quick Facts
  • Denver drivers pay insurance premiums slightly higher than the state average.

  • Colorado permits auto insurance companies to consider your credit when setting your rate.

  • Colorado is an at-fault state, meaning the driver who causes the accident is responsible for the damages.

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Best car insurance companies in Denver

If you’re in the market for car insurance in Denver, you have plenty of options. However, a few companies stand out thanks to their affordable rates, excellent customer service, and variety of coverage and discount options. Insurify considered those factors and each company’s Insurify Quality (IQ) scores to determine the best car insurance companies for Denver drivers.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$55/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$113/mo

State Farm is one of the top auto insurers in the country and has some of the cheapest rates for Denver drivers. It also scored the top ranking in J.D. Power’s 2023 U.S. Auto Insurance Study. Combine those factors with the company’s excellent financial strength, and it’s easy to see why it has the second-highest IQ score of any company Insurify rated.

Pros
  • Affordable premiums

  • Top-rated customer satisfaction

  • Excellent financial strength

Cons
  • Fewer discounts than other insurers

  • Gap insurance not available

  • High number of complaints on Trustpilot

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$69/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$146/mo

USAA has a reputation as the top insurance company for military families. USAA is a full-service financial institution that only serves current and former military members and their families. The company has affordable insurance premiums, highly rated customer satisfaction, and the third-highest IQ score of any company Insurify rated.

Pros
  • High customer satisfaction

  • Affordable premiums

  • Full-service financial institution

Cons
  • Only available to military families

  • USAA membership required

  • High number of complaints on Trustpilot

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

Best insurer for discounts: American Family

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$75/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$155/mo

American Family is smaller than some other insurers, as it offers car insurance in just 19 states, including Colorado. The company has some of the best rates for Denver drivers and highly rated customer satisfaction, second only to State Farm. American Family offers more auto insurance discounts than nearly any other insurer.

Pros
  • Many insurance discounts

  • Highly rated customer satisfaction

  • Affordable premiums

Cons
  • Below-average digital experience

  • Fewer optional coverages than many insurers

  • Not the overall cheapest rates

Prices are higher than expected.

Tyrone - October 9, 2023
Verified

They're OK but too expensive.

Sally - July 21, 2023
Verified

They are nice people to do business with, just kind of expensive

Pat - February 1, 2023
Verified
Read our American Family review
The 10 Best Car Insurance Companies (February 2024)

The 10 Best Car Insurance Companies (February 2024)

Cheapest liability-only car insurance in Denver

If your goal is to find the cheapest car insurance, a liability insurance policy is generally the way to do so. Liability insurance pays for damage to other individuals and their property due to an accident you’ve caused.

It protects the other drivers, as well as your financial well-being. Nearly every state, including Colorado, requires all drivers to carry liability insurance at the very minimum.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
State Farm55
USAA69
American Family75
State Auto79
Sun Coast79
GEICO83
Allstate84
Nationwide90
Safeco91
Progressive94
Auto-Owners97
The General100
Midvale Home & Auto113
Bristol West114
Dairyland115
Foremost122
Direct Auto132
Travelers137
Farmers142
Liberty Mutual157
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Denver

If you’d prefer more robust insurance coverage, consider getting full-coverage insurance. This type of policy includes liability insurance along with other coverages that protect your own vehicle, including comprehensive coverage, collision coverage, and uninsured motorist coverage.

Not everyone needs full coverage, but you should have it if you can’t afford costly repairs to your vehicle — or to replace your vehicle altogether — after an accident.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Monthly Quote
State Farm113
USAA146
American Family155
GEICO172
Allstate174
Nationwide176
Safeco191
Sun Coast191
Progressive198
Auto-Owners200
Midvale Home & Auto211
Direct Auto221
Travelers234
Liberty Mutual261
Bristol West266
Dairyland282
The General283
State Auto288
Farmers296
Foremost348
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Car insurance requirements in Colorado

Like most other states, Colorado requires all drivers to carry liability insurance. Colorado is an at-fault insurance state, which means the driver at fault for an accident is financially responsible for any damages. Colorado’s minimum insurance limits, listed in the table below, are on par with most other states.[1]

Colorado also has a stipulation that allows anyone with at least 25 registered vehicles to apply for a certificate of self-insurance. But this is mainly targeted at business owners, as few individuals will meet this requirement.[2]

CoverageMinimum Requirements
Bodily injury liability$25,000 per person and $50,000 per accident
Property damage liability$15,000 per accident

Colorado drivers also have access to several optional insurance coverages, including:

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    This coverage pays for damage to your vehicle if you’re involved in an accident where the driver at fault doesn’t have sufficient insurance — or any insurance at all — to cover the damage.

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    If you’re involved in any sort of collision with your vehicle, this coverage will pay for the damages, regardless of whether the collision is with another vehicle or something else.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    If you damage your car in an incident other than an accident, your comprehensive coverage will pay for it. For example, it would cover damage from natural disasters, theft, falling objects, and more.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Your bodily injury liability coverage pays for other people’s medical bills if you cause an accident. Medical payments coverage pays for your own medical bills, regardless of who caused the accident.[3]

Cheapest car insurance for drivers with an incident

Your driving record is one of the most important factors that affect your insurance premiums.

“If you have a history of accidents or traffic violations, you are considered a higher-risk driver, and insurance companies will charge you more for coverage,” says John Espenschied, owner of Insurance Brokers Group in Missouri. “On the other hand, if you have a clean driving record, you are considered a lower-risk driver, and your premiums will be lower.”

Violations such as speeding tickets, driving under the influence, and at-fault accidents are all likely to increase your rates. The amount your rates increase will depend on the severity of the violation.

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Cheapest car insurance for drivers with a speeding ticket

A speeding ticket is one of the most common violations that can increase your insurance rates. The effect on your premiums will depend on several factors, including your driving record at the time of the ticket.

Someone with three speeding tickets will see a greater increase than someone with just one because they’re at a higher risk. Additionally, someone who got a ticket for driving 20 miles per hour over the speed limit might see their rates increase more than someone driving only 10 miles per hour over the limit, for example.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm14571
USAA19090
American Family20599
GEICO224108
Allstate226109
Nationwide231118
Auto-Owners267130
Progressive268127
Safeco268128
Direct Auto300179
Travelers309181
Bristol West352151
Liberty Mutual365219
Dairyland379154
The General380134
Farmers386185
State Auto404111
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident

If you’re found to be at fault for an accident, you can expect your insurance premiums to increase unless you have accident forgiveness on your policy. The amount your premiums will rise depends on the severity and cost of the claim, as well as your existing driving record. 

Depending on the situation, your premiums could also increase after an accident that wasn’t your fault, but the increase likely wouldn’t be as significant.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm14470
USAA18889
American Family20197
GEICO222107
Allstate224108
Nationwide229117
Auto-Owners261127
Progressive267127
Safeco271129
Direct Auto298178
Travelers305179
Bristol West342146
Liberty Mutual363218
Dairyland371151
The General378134
Farmers381183
State Auto408112
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI

A DUI — or driving under the influence — is one of the more serious driving offenses. In fact, a DUI can result in being denied car insurance coverage altogether. And if you do find coverage, you’ll probably see a large spike in your insurance rates.[4]

The average auto insurance premium roughly doubles when you compare the premiums of someone with a clean driving record to someone with a DUI, according to Insurify data.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm17585
USAA226107
American Family240116
GEICO266129
Allstate270130
Nationwide273139
Safeco296141
Direct Auto307183
Progressive307146
Auto-Owners310150
Travelers362212
Liberty Mutual404243
Bristol West412177
Dairyland437178
The General438155
State Auto446122
Farmers459220
Foremost539189
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors

Generally speaking, car insurance premiums tend to decrease as you age. The older you are, the more driving experience you have and the safer the driving decisions you likely make. However, this trend eventually reverses course. Once drivers reach their 70s, insurers consider them senior and riskier and increase insurance rates.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm5226
American Family7536
USAA7736
Nationwide7940
Progressive8138
GEICO8742
Allstate9144
Auto-Owners9847
Direct Auto11267
Safeco11957
Travelers12071
Liberty Mutual13883
Bristol West14462
Farmers14670
Dairyland15965
The General17261
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens

Teen drivers pay the highest insurance premiums of any age group due to their lack of experience and propensity to engage in high-risk driving activities like speeding, distracted driving, and driving without a seat belt.[5]

“Statistically, teens are more likely to get into accidents than older drivers, and insurance companies charge higher premiums to offset this risk,” says Espenschied. ”However, there are ways for teens to lower their insurance premiums, such as taking a driver’s education course and qualifying for good student discounts.”

Another way young drivers can save money on insurance is to stay on their parents’ policy. It’s far cheaper to add a teen to a responsible adult’s policy than for a teen to get their own policy.

The below rates are estimated rates current as of: Thursday, February 29 at 11:00 AM PST
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
State Farm19595
USAA244115
American Family266129
GEICO274132
Nationwide304155
Allstate308149
Auto-Owners337164
Safeco345164
Progressive357169
Direct Auto406242
Travelers425249
Bristol West446191
Liberty Mutual448269
The General456161
Dairyland461188
Farmers520249
State Auto520143
Foremost629220
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

How to get the cheapest car insurance in Denver

When you’re shopping for car insurance in Denver, it’s natural to want to find the best price. Here are a few ways you can find cheaper car insurance rates:

  • Comparison shop. The best way to find cheap car insurance is to get quotes from multiple insurance companies. You can get quotes directly from each insurer or use an insurance-comparison website.

  • Save with discounts. Most insurance companies have a number of discounts available to drivers to help them save money on their policies. You can save by bundling your home and auto policies, paying your premium up front, having a safe vehicle, and more.

  • Raise your credit score. Insurance companies in most states consider your credit score as a factor when setting insurance rates. Generally speaking, the better your credit score, the less you’ll pay for insurance.

  • Revisit your policy. Take another look at your policy to see if you could adjust your coverage limits or raise your deductible. You want to make sure they’re still at a level that would be affordable if you’re in an accident, but adjusting them could lower your premiums.

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Denver car insurance quotes by credit tier

In most states, including Colorado, insurance companies can use your credit score as a factor when setting your insurance rates. Credit is often an indicator of risk, so if you have a good credit score, you’ll likely have low insurance rates.

“Studies have shown that people with lower credit scores are more likely to file insurance claims, and insurance companies charge higher premiums to offset this risk,” says Espenschied.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Denver?

Drivers in Colorado pay insurance premiums slightly higher than the national average and more expensive than the majority of states, according to data from the National Association of Insurance Commissioners (NAIC).[6]

Denver’s rates are slightly higher than the state average of $223. These higher rates could be a result of the city’s higher population and high rate of car thefts. In fact, Denver ranks second on the list of the cities with the most car thefts in the U.S.[7]

The 10 Best and Worst Car Insurance Comparison Sites for 2024

The 10 Best and Worst Car Insurance Comparison Sites for 2024

More cities in Colorado

Denver’s auto insurance rates are higher than the state’s average. However, several cities throughout the state, including Aurora and Colorado Springs, have higher full-coverage auto rates than Denver. But other larger cities, like Boulder and Fort Collins, have cheaper insurance rates.

CityAverage Monthly QuoteCompared to Denver
Arvada$3183%
Aurora$35014%
Boulder$244-21%
Broomfield$247-20%
Colorado Springs$3101%
Fort Collins$213-31%
Greeley$264-14%
Littleton$283-8%
Parker$259-16%
Pueblo$3256%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Denver car insurance FAQs

Before you shop for car insurance in Denver, check out the answers to these commonly asked questions.

  • How much is car insurance in Denver?

    Denver drivers pay an average of $176 per month for liability insurance and $308 per month for full coverage. These numbers are slightly higher than the state average.

  • What are the best car insurance companies in Denver?

    Denver drivers have access to many top insurance companies. The best car insurance company in Denver is State Farm due to its affordable premiums, top-rated customer service, and excellent financial strength. Other top companies include USAA and American Family.

  • What factors affect the cost of car insurance in Denver?

    Your insurance premiums depend on factors like your age, gender, driving history, and more. However, they also depend on where you live. Some locations may have higher insurance rates if they have higher populations, more accidents, more car thefts, or a higher rate of uninsured drivers.

  • Is Colorado a no-fault state?

    No. Colorado isn’t a no-fault state. Instead, the at-fault driver in an accident is financially responsible for all damage to people and property.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "Automobile Financial Responsibility Laws By State." Accessed July 20, 2023
  2. Colorado General Assembly. "Mandatory Automobile Insurance in Colorado." Accessed July 20, 2023
  3. Colorado General Assembly. "Optional Automobile Insurance Coverage." Accessed July 20, 2023
  4. Justia. "Insurance Consequences of DUI." Accessed July 20, 2023
  5. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts." Accessed July 20, 2023
  6. National Association of Insurance Commissioners. "2019/2020 Auto Insurance Database Report." Accessed July 20, 2023
  7. Rocky Mountain Insurance Information Association. "Colorado Auto Theft." Accessed July 20, 2023
Erin Gobler
Erin Gobler

Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Shawn Powers
Reviewed byShawn PowersVP of Insurance Sales at Insurify
Headshot of licensed insurance agent Shawn Powers.
Shawn PowersVP of Insurance Sales at Insurify
  • Licensed insurance agent for 25+ years

  • 15 years as VP of Sales and Operations at Answer Financial

Licensed in more than 40 states, Shawn leverages his deep industry expertise to support the accuracy and trustworthiness of Insurify’s content.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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