Best Auto Insurance Rates in Denver, Colorado

On average your neighbors pay $109 a month.

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Compare Auto Insurance Quotes in Denver, CO

Denver, Colorado is popularly known as the “Mile High City”. If you’re a Denver resident and feel like your rates are a mile high too, QuoteWizard can help you find affordable car insurance rates.

Average Denver Car Insurance Rates

How much is car insurance in Denver, CO? The average cost of insurance coverage in Denver is $1,263 per year for men and $1,355 for women. Denver drivers pay significantly more than the national average of $866.31 and the $821.19 a year paid for average auto insurance in Colorado.

Prices in Denver will vary depending on several factors including: your driving record and the number of claims filed in their zip code.

Denver, CO Average Annual Car Insurance Rates
Coverage Men Women
Liability $662 $721
Collision $433 $461
Comprehensive $168 $173
Total Cost Per Year $1,263 $1,355
Price Per Month $105 $113
Methodology: We compared rates from three different insurance companies for single 30-year-old male and female drivers renting in Denver owning a 2010 Honda Accord. Our rate profiles defined males and females who are currently insured, clean driving record and drive less than 10,000 annual miles. Coverage includes Colorado state liability minimum of $25,000/$50,000/$15,000 and 25/50/15 underinsured motorist coverage with $2,500 personal injury protection and a $500 comprehensive and collision deductible.

QuoteWizard helps consumers compare insurance quotes from both national companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Denver, Colorado and save up to 40% on your premium.

Last year, 19,169 people used QuoteWizard to compare auto insurance quotes in Denver, CO from multiple companies, and find the cheapest rates.

Top 10 Vehicles in Denver

This is our list of the most popular car makes and models owned by Denver drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Honda Accord EX/LX
  3. Jeep Grand Cherokee Laredo
  4. Ford Ranger
  5. Honda Civic EX
  6. Ford Explorer
  7. Ford Taurus
  8. Chevrolet Cavalier
  9. Toyota Rav4
  10. Chevrolet Malibu
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Best Car Insurance Companies in Denver

These are the most popular car insurance companies reported by QuoteWizard users living in Denver, CO last year when they requested a quote.

Other popular Denver, Colorado insurance companies: AAA, Safeco, USAA, MetLife, Country Financial, Hartford, Travelers, 21st Century, and Colorado Farm Bureau.

Denver Drivers

Allstate Insurance ranks the 200 largest US cities in terms of driver safety each year. Denver received middling marks, ranking 131st out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 11 years.

Driving Conditions

The weather, driving, and road conditions strongly influence insurance rates.

Weather

Denver has a semi-arid climate with four distinct seasons. Summers are generally mild but occasionally hot. Winters are chilly and can be extremely cold. You can see the sun in any season with an average of 300 sunny days per year. Precipitation averages only 14.3 inches a year but, thanks to its high elevation, Denver has an average of 33.3 snow days each winter.

Road Conditions

Winter subjects Denver streets to the cold winter conditions that creates potholes and cracked pavement. According to a recent study by TRIP, 45% of Denver's roads are in poor condition and another 35% are mediocre. Driving on poorly maintained roads costs drivers $753 a year in extra vehicle operating costs.

Traffic Congestion

TomTom ranks Denver 23rd for worst traffic congestion in the United States. The result is that the average commuter spends an additional 26 minutes per hour stuck in traffic during peak commute times and 98 hours a year for commutes of 30 minutes. Traffic data provider Inrix has created a traffic scorecard that ranks US cities by their traffic congestion. Unlike TomTom, Inrix ranked Denver the 19th worst US city for traffic congestion. According to Inrix, commuters wasted 49 hours stuck in congestion last year.

Moving Violations

Moving violations like speeding, following too close, running a red light, and at-fault accidents can add points to your driver's license and give you a bad driving record. You could also be required to obtain high risk auto insurance. This can have a huge effect on your insurance rates.

Traffic Tickets

The Denver County Court website allows you to pay traffic citations, pay parking tickets, and tells drivers how to dispute tickets, and provides helpful traffic court information.

Denver Police issued 98,455 moving citations in 2014, a 10% decrease from the 109,411 citations issued in 2013.

Photo Enforcement

The City of Denver uses both Red Light Cameras and Photo Radar Vans to help curb red light running and excessive speeding. Photo citations are considered "zero point" traffic infractions meaning they won't be reported to the Colorado DMV, go on your driving record, or cause your insurance rates to increase.

Red Light Cameras

Denver has equipped four busy intersections with Red Light Cameras: 6th & Kalamath, 6th & Lincoln, 8th & Speer, and 36th & Quebec.

Photo Radar Vans

The city of Denver deploys Photo Radar Vans on residential streets with speed limits of 35 MPH or less, streets bordering parks, school zones, and work zones.

DUI and DWAI Arrests

Denver Police made 2,619 arrests for suspicion of driving under the influence in 2014, a 9.6 decrease from the 2,998 DUI arrest made in 2013.

SR-22 DUI/DWAI Insurance

A DUI or DWAI conviction may require you to obtain an SR-22 form. Get a quote and compare rates from local agents and top companies that specialize in Denver DUI/DWAI insurance.

Car Accident Statistics

Denver experienced 23,318 car accidents in 2014, a decrease of 6.8% from the 21,830 accidents reported in 2013.

Traffic Fatalities

Denver reported 49 motor vehicle crash fatalities in 2014, a 6.5% increase over the 46 fatalities recorded in 2013. This works out to a fatality rate of 7.38 per 100,000 Denver residents. With Denver’s estimated population of 693,060, this is a relatively safe US city in terms of traffic fatalities.

Vehicle Theft Rates

Denver reported 4,384 vehicle thefts in 2016, a rate of 6.42 for every 1,000 residents.

Legal Minimum Insurance Requirements

Denver, Colorado drivers are required to carry minimum liability coverage known as the 25/50/15 rule. This means each driver's policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount your insurer will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your insurance company will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $15,000.
    The most your insurance carrier will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

Are you looking for cheap car insurance? Discounts are one of the best ways for drivers to lower their insurance rates. These are some of the many auto insurance discounts available to Denver drivers depending on your insurer. Get a quote and find out which discounts you may qualify for with your current or multiple insurance companies.

  1. Get a new car. You might qualify for the new car discount offered by many insurance carriers
  2. If you're 55 or older you could qualify for either the senior discount or the 55 and retired discount
  3. Remove full comprehensive coverage from your policy
  4. Get married. Some insurers offer a discount to married drivers
  5. Keep your driving record clean. Drivers without tickets or accidents on their record pay lower rates
  6. Live in a safe neighborhood with low crime. People that live in zip codes with high crime and poor driving conditions file more insurance claims
  7. Purchase a car with modern safety features or anti-theft devices
  8. Bundle your auto policy with your homeowners or renters insurance. Bundling can reduce your rates by as much as 15%
  9. Enroll in a defensive driving course at an accredited driving school
  10. Shop around and compare cheap car insurance quotes in Denver and discover every discount you qualify for

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