Denver Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Colorado has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Denver typically pay around $141.76 per month compared to the national average of $143.07 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Denver, CO Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Denver coming in around $110.79 per month. Other companies to consider if you live in Denver is State Farm with an average cost of $128.88 per month and Colorado Farm Bureau Mutual which typically runs around $139.68 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Denver.

How Much is Car Insurance in Denver, CO?

Rates can vary from city to city. The residents of Arvada typically pay $120.77 per month while people who live in Aurora will pay $149.96 per month on average. See what people pay for car insurance in other cities in Colorado.

Cheap Car Insurance in Denver by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Colorado. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Denver

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $325.83 per month in Denver. Compare that to drivers in their 30’s who typically pay around $133.51 per month drivers in their 40s at $119.67 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Denver

If you are teen in Denver you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $217.88 per month. This is likely the most affordable option in Denver. You might also want to consider Colorado Farm Bureau Mutual and State Farm who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Denver

20 year-olds in Denver might want to consider USAA who, on average, offers car insurance rates around $140.67 per month. State Farm , Colorado Farm Bureau Mutual , SAFECO and Allstate are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Denver

If you are in your 30s in Denver our research has found that USAA typically has the most affordable coverage coming in around $105.99 per month, followed by State Farm at $120.68 and Colorado Farm Bureau Mutual at $133.23.

Cheapest Insurance for 40 Year-olds in Denver

On average, USAA offers car insurance for 40 year-olds in Denver for around $93.00 per month. If you are looking for affordable coverage, you may also want to consider Colorado Farm Bureau Mutual or State Farm. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Denver

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Denver we found that USAA generally offers the most affordable coverage at $93.83 per month.

Cheapest Insurance for 60 Year-olds in Denver

If you live in Denver and you’re in your 60s, our data indicates that USAA usually has the best rates at $90.73 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Denver, CO

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Denver, the average monthly rate for a driver who is currently insured is $135.92 while drivers who are not currently covered will pay around $151.36.

Compare Recent Car Insurance Quotes in Denver

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Denver a driver of a 2012 Chevrolet Impala can expect to pay around $98.63 per month while someone that owns a 2014 Bmw 328 may pay around $162.65 per month. Check out the list of recent quotes in Denver below.

FAQ's for Drivers in Denver, CO

What Is the Minimum Amount of Liability Coverage Requirement in Denver?

Colorado State law says drivers must show they have financial responsibility in effect for their motor vehicles. The State of Colorado requires 25/50/15 liability insurance coverage for all drivers. The minimum liability insurance requirements for private passenger vehicles in Colorado are:

• Bodily injury liability coverage: $25,000 per person and $50,000 per accident
• Property damage liability coverage: $15,000
• Uninsured motorist: $25,000 per person, $50,000 per accident*
• Medical payments: $5,000*

*Drivers can decline uninsured motorist and medical payments can by signing an optional form.

Colorado's minimum insurance requirements may not provide enough coverage if at-fault in a car wreck. Buy more insurance, especially if you have a lot of assets.

SmartFinancial can help you find affordable car insurance to ensure you have enough protection when the worst happens. Fill out the form on this page to get started.

What Is the Blood Alcohol Concentration (BAC) Limit in Denver?

Driving Under the Influence (DUI) means you had alcohol or other substances in your system while operating your vehicle. According to the Colorado State Law, it is a criminal offense for a person to drive with the following blood alcohol concentration (BAC):

• .05 Percent BAC for DWAI (Driving While Ability Impaired)
• .08 Percent BAC for DUI (Driving While Under the Influence)

Even if your BAC is less than 0.05, police officers can still arrest you if they notice signs of impairment.

Unfortunately, no one is perfect. If you get a DUI on your record, it can significantly increase your auto insurance rates. SmartFinancial can help you find lower insurance rates. You can fill out the form on our page and comparison shop for insurers that meet your needs.

Can I Register My Car Without Insurance in Denver?

You cannot register a car in the State of Colorado without insurance. You'll need a copy of your Colorado insurance policy and card to register for insurance, along with a letter from your insurer (on company letterhead). Individuals have 60 days from purchase to register a vehicle in the state, but you cannot drive it without car insurance.

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