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Denver Car Insurance

How much does car insurance cost in Denver, CO? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Denver?

Denver is an urban town with stunning architecture and jaw-dropping mountainous settings. The Rocky Mountains serve as the natural backdrop to this modern-day metropolis. The Mile High City is also home to several spectacular sports teams like the Denver Broncos, the Denver Nuggets and Colorado Rockies. It is also close to exciting tourist attractions like Red Rocks Park and Amphitheatre, Denver Botanic Gardens and the Denver Art Museum. Residents can also visit nearby ski resorts, spas, and National Parks.

Although residents can take the Regional Transportation District (RTD) to ride around the city, it's always nicer to have a car to travel to nearby resorts in the Rocky Mountains. Are you a Denver resident that needs insurance coverage for your vehicle? SmartFinancial can help you find affordable insurers that fit your needs and budget.

In this article, you'll learn about the auto insurance requirements for Colorado.

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 $123.13 per month compared to the national average of $134.05 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.

AreaAverage Monthly Rate
National $134.05
Colorado $113.54
Denver, Colorado $123.13

Denver, CO Best Car Insurance Companies

car insurance in Denver

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 $93.99 per month. Other companies to consider if you live in Denver is State Farm with an average cost of $139.13 per month and Kemper Premium which typically runs around $147.71 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Denver.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $93.99-17.22%
2 State Farm $139.1322.53%
3 Kemper Premium $147.7130.09%
4 Auto-Owners Insurance Co $154.6136.17%
5 Allstate $163.2743.80%
6 Esurance $180.9259.34%
7 Nationwide $181.1859.56%
8 Colorado Farm Bureau Mutual $190.8868.11%
9 SAFECO $193.5170.42%
10 Metropolitan $195.5972.26%

How Much is Car Insurance in Denver, CO?

how much is auto insurance in Denver

Rates can vary from city to city. The residents of Aurora typically pay $125.59 per month while people who live in Boulder will pay $102.55 per month on average. See what people pay for car insurance in other cities in Colorado.

Colorado CitiesMonthly Average Rate
Aurora $125.59
Boulder $102.55
Colorado Springs $122.18
Denver $124.03
Littleton $109.70

Cheap Car Insurance in Denver by Zip Codes

find cheap auto insurance in Denver

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.

Denver, CO ZIP CodeAverage Monthly Rate
80201$146.05
80202$188.14
80203$124.22
80204$124.83
80205$122.34
80206$124.62
80207$111.11
80209$131.87
80210$144.02
80211$124.23
80212$107.71
80214$91.48
80215$104.52
80216$128.73
80218$116.74
80219$140.71
80220$142.32
80221$102.92
80222$113.28
80223$140.07
80224$134.65
80226$102.61
80227$138.39
80228$109.69
80229$112.19
80230$120.81
80231$127.10
80232$96.23
80233$123.10
80234$108.04
80235$138.24
80236$112.06
80237$128.25
80238$112.88
80239$133.01
80241$136.57
80246$129.03
80247$120.82
80249$156.87
80260$121.46

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 $304.41 per month in Denver. Compare that to drivers in their 30’s who typically pay around $108.43 per month drivers in their 40s at $97.88 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.

Age GroupAverage Monthly Rate
16-19$304.41
20s$150.32
30s$108.43
40s$97.88
50s$91.51
60s$86.58
70+$106.14

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, Dairyland Realtime typically charges around $146.87 per month. This is likely the most affordable option in Denver. You might also want to consider USAA and Kemper Premium who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Dairyland Realtime$146.87
USAA$177.59
Kemper Premium$263.58
State Farm$300.30
Allstate$305.54

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 $113.28 per month. State Farm , Allstate , Auto-Owners Insurance Co and Kemper Premium are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$113.28
State Farm$169.73
Allstate$191.78
Auto-Owners Insurance Co$195.09
Kemper Premium$202.25

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 $83.02 per month, followed by State Farm at $118.70 and Auto-Owners Insurance Co at $129.15.

CompanyAverage Monthly Rate
USAA$83.02
State Farm$118.70
Auto-Owners Insurance Co$129.15
Allstate$145.12
Nationwide$145.31

Cheapest Insurance for 40 Year-olds in Denver

On average, USAA offers car insurance for 40 year-olds in Denver for around $81.59 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Auto-Owners Insurance Co. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$81.59
State Farm$121.06
Auto-Owners Insurance Co$127.77
Nationwide$141.41
Metropolitan$147.84

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 $67.47 per month.

CompanyAverage Monthly Rate
USAA$67.47
State Farm$99.44
Auto-Owners Insurance Co$102.26
Kemper Premium$110.17
Metropolitan$113.83

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 $71.57 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$71.57
Kemper Premium$98.92
State Farm$104.04
Auto-Owners Insurance Co$113.47
Nationwide$118.25

Driver's Coverage Auto Insurance Rates in Denver, CO

driver's coverage

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 $113.48 while drivers who are not currently covered will pay around $145.74.

CoverageAverage Monthly Rate
Not Currently Insured $145.74
Currently Insured $113.48

Compare Recent Car Insurance Quotes in Denver

auto insurance quotes in Denver city

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 2019 Mitsubishi Mirage can expect to pay around $224.23 per month while someone that owns a 2019 Mitsubishi Mirage may pay around $156.37 per month. Check out the list of recent quotes in Denver below.

VehicleAverage Monthly Rate
2019 Mitsubishi Mirage$224.23
2019 Mitsubishi Mirage$156.37
2019 Mitsubishi Mirage$75.98
2019 Mitsubishi Mirage$233.37
2016 Dodge Charger$248.10
2016 Dodge Charger$165.65
2016 Dodge Charger$91.57
2016 Dodge Charger$165.65
2016 Dodge Journey$147.72
2018 Volvo S60$237.98

FAQ's for Drivers in Denver, CO

driver’s frequently asked question in Denver

Denver Auto Insurance Requirements

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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Commute Time in Denver, CO

25.3 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Denver, CO

187

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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