Here you’ll learn everything you need to know to buy the best car insurance policy in Denver for your particular situation. You’ll see which carriers are rated as the best car insurance companies for customer satisfaction and what the average car insurance rates are for your neighborhood.
You’ll also discover how much you can save from knowing how to make smart choices about coverage. And, find out how rates for Denver drivers are affected by tickets, accidents and adding teen drivers.
- The average car insurance rate for Denver drivers for minimum coverage is $536 a year, according to Carinsurance.com analysis.
- The liability coverage in Denver, CO costs $910 per year.
- In Denver, full coverage car insurance policy costs $2,044 a year.
- As per Carinsurance.com research, in Denver, comparing quotes from companies can help you save an average $2,598 on your car insurance rates annually.
- How Much Does Car Insurance Cost in Denver, CO?
- Who Has Cheapest Car Insurance in Denver, Colorado?
- Who Has The Best Car Insurance in Denver, CO?
- How Much Car Insurance do I Need in Denver, CO?
- Compare Car Insurance Quotes in Denver, CO & Save Money
- Denver, CO Car Insurance FAQ’s
- Denver Commuters
- Guide to car insurance (with rates) in cities of Colorado
How Much Does Car Insurance Cost in Denver, CO?
We all know that the cost of car insurance varies depending on your individual needs. But how much does it actually costs? CarInsurance.com analysed major insurers including Geico, Progressive Insurance Company (Progressive), State Farm, Allstate Co. and others, to determine average Denver coverage costs for different levels and types.
The average rate for Denver drivers for a year of minimum coverage is $536 according to our rate analysis. If you increased your coverage to 50/100/50, you would pay just about $31.17 more a month, or $374 more a year.
You can get full coverage (100/300/100) by paying $125.67 more a month, or an additional $1,508 a year more than minimum-level coverage.
The following data shows, what you can expect to pay for car insurance in Denver, on average.
- State Minimum Policy: $536 per year
- Liability Coverage (50/100/50): $910 per year
- Full Coverage (100/300/100): $2,044 per year
Who Has Cheapest Car Insurance in Denver, Colorado?
GEICO and Nationwide have the cheapest car insurance rates in Denver, based on our rate analysis for three different coverage levels.
The driver profile is for age 40, with good credit and a clean driving record. You can see how major insurers rank for price in the chart below.
|Company||Liability Only – State Minimum BI/PD||Liability Only – 50/100/50 BI/PD||Full Coverage – 100/300/100 BI/PD – 500 Comp/Coll|
|USAA Casualty Ins Co||$264||$431||$1,190|
|GEICO Casualty Co||$267||$414||$1,101|
|Unitrin Safeguard Ins Co||$368||$624||$1,857|
|State Farm Mutl Automobile Ins||$445||$625||$1,575|
|Owners Ins Co||$480||$795||$2,126|
|Nationwide P&C Ins Co||$530||$747||$1,427|
|American Family Ins Co||$562||$2,112||$3,363|
|Progressive Direct Ins Co||$588||$965||$1,930|
|Allstate F&C Ins Co||$729||$941||$2,143|
|Metropolitan P&C Ins Co||$825||$1,004||$2,950|
|Farmers Ins Exchange||$833||$2,118||$3,699|
Who Has The Best Car Insurance in Denver, CO?
Deciding who has the best car insurance to suit your needs depends on what is most important to you. For some it may be price, while others may value customer service the most. Still others may be looking for the convenience of mobile apps, or a company that offers the most car insurance discounts.
Below we list car insurance companies in Denver, and who they are the best at serving, based on CarInsurance.com’s customer satisfaction survey of current policy holders and rate data analysis.
|Value/Price||CSAA Insurance Group|
|Recommend||CSAA Insurance Group|
|Low Annual Mileage||State Farm Mutual Auto|
|Good Student||AMCO Insurance|
|Bundle||Farmers Ins Exchange 2.0|
|Paid in Full||Allstate F&C|
How Much Car Insurance do I Need in Denver, CO?
Below we’ll explain what coverage you need to drive legally, which is your state required minimum liability limits, and what types of car insurance you may need to be truly protected.
Minimum Car Insurance Requirements in Denver, CO
Colorado car insurance laws require only that you insure yourself against bodily injury and property damage liability, so it’s your choice whether to add coverage for yourself, your passengers, and your vehicle.
If you have a newer model car, it makes sense to get comprehensive insurance and collision coverage. In Colorado, comprehensive costs $389 and collision costs $590, on an average per year, according to a rate data analysis done by CarInsurance.com.
These optional coverages come with a deductible. That’s the amount you pay before your insurance company pays. Typical deductibles amounts are $1,000, $500 and $250 – you choose which one you want. The higher the deductible is, the lower your rate will be.
The best car insurance coverage usually isn’t the cheapest. You may be used if you’re in an accident and your insurance doesn’t cover all of the damages. That means your home or savings could be in jeopardy.
To protect your assets, you should buy liability insurance in the following amounts:
- $1,00,000 to pay for others’ medical bills
- $3,00,000 to pay for injuries to others in an accident you cause
- $1,00,000 to pay for damage to others’ property
You should also consider buying these optional coverages:
- Comprehensive, which replaces stolen cars and covers damage to your car from floods, fire, hail, vandalism.
- Collision, which pays for damage to your car from accidents.
Compare Car Insurance Quotes in Denver, CO & Save Money
You can save an average of $2,598 annually on a full coverage policy in Denver by comparing car insurance quotes, according to CarInsurance.com’s rate analysis. While savings will depend on your particular circumstances, this shows that there is a significant benefit to shopping your policy.
Denver, CO Car Insurance FAQ’s
How much does insurance go up after a speeding ticket in Denver, CO?
A speeding ticket in Denver will hike your car insurance rates by an average of 30% , or about $795 yearly. CarInsurance.com’s rate analysis shows how much more drivers in Denver can expect to pay, on average, for speeding and other common violations.
Minor traffic violations, such as speeding, typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date. More severe infractions, such as DUI, typically stay on your record much longer.
How much does insurance go up for tickets in Denver, CO?
Denver drivers can expect to see a hike in their rates in the range of 29% for minor moving violations such as tailgating or blowing through a stop sign, 61% for more severe infractions such as DUI.
Below you’ll see how much rates increase, on average, for common traffic violations.
Remember, though, that because insurance companies assess risk differently, you can still save by comparison shopping, because one carrier may ding you a lot for a citation, while another may spike your rate by much less.
|Violation||Average rate||Rate after violation||$ Increase||% Increase|
|2 speeding tickets 11 mph or over||$2,616||$3,597||$981||38%|
|Distracted driving ticket||$2,616||$3,146||$530||20%|
|Driving without a license or permit||$2,616||$2,825||$209||8%|
|Driving without insurance||$2,616||$2,825||$209||8%|
|DUI/DWI first offense||$2,616||$4,256||$1,640||63%|
|DUI/DWI second offense||$2,616||$6,130||$3,514||134%|
|Failure to stop||$2,616||$3,091||$475||18%|
|Failure to yield||$2,616||$3,091||$475||18%|
|Following too closely||$2,616||$3,088||$472||18%|
|Operating a vehicle in a race (highway racing)||$2,616||$4,276||$1,660||63%|
|Talking on cellphone ticket||$2,616||$3,093||$477||18%|
How much will an accident raise my insurance in Denver, CO?
An accident will increase car insurance rates by 40% to 89%, on average, for drivers in Denver. When you file a claim for an accident that’s your fault, typically your car insurance rates will increase.
However, claims under your comprehensive coverage, if you have it as it’s optional, typically won’t trigger an increase. That’s because comprehensive claims are for damage insurers consider to be beyond your control, for instance due to hail, fire, flooding, falling objects or collisions with an animal.
The table below shows how much for drivers in Denver can expect to pay for common car insurance claims.
|Accident||Average Rate||Rate after claim||$ Increase||% Increase|
|1 At-fault property damage accident over $2K||$2,616||$3,658||$1,042||40%|
|1 At-fault property damage accident under $2K||$2,616||$3,658||$1,042||40%|
|2 At-fault property damage accident over $2k||$2,616||$4,936||$2,320||89%|
|At-fault bodily injury accident||$2,616||$3,713||$1,097||42%|
How much does it cost to add a teen driver to your insurance in Denver, CO?
In Denver, adding a 16-year-old daughter to your policy will hike your rates by $1,978 annually, or 97% It’s more for boys. Insuring your 16-year-old son will increase your yearly rate by $2,284, or 112% according to CarInsurance.com rate data.
Teen drivers are inexperienced, and are involved in more accidents than older drivers, according to federal research, and insurance companies categorize them as high-risk drivers, so they cost more to insure.
If you’re insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our “Parents guide to insuring a teen driver.”
How much is SR-22 insurance in Denver, CO?
CarInsurance.com data show that for drivers in Denver, your rate will go up by an average of $1,363 or 52%. If you’re convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf.
An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase.
The average drive time to work for Denver workers 16 and older is 25.4 minutes, which is shorter than the national average of roughly 27.1 minutes (the 2018 national average). The mean time calculated by the Census (based on figures from 2014-2018) includes time spent waiting for public transportation, picking up passengers in carpools and on other activities related to getting to work.
Data USA found that the average drive time for Denver commuters in 2018 was 22.9 minutes, which was much shorter than the national average. However, other numbers compiled by Data USA showed that 11% of the Denver workforce are “super commuters.”
Super commuters drive more than 90 minutes to their job. That’s significantly higher than many other metropolitan areas. So, Denver drivers on average have shorter commutes, but there are also many people who are on the road for more than an hour-and-a-half.
Of the commuters:
- Drive alone: 68.5%
- Work at home: 8.72%
- Carpool: 7.76%
Denver’s 5 Most Dangerous Intersections for Pedestrians
The Denver Police Department, several media outlets and law offices reported the most dangerous areas for traffic based on 2018 data.
The Most Dangerous Denver Intersections for Pedestrians are:
- Market and 20th
- North Lincoln and East Colfax
- North Broadway and East 13th Avenue
- Blake Street and 20th
- South University Boulevard and East Asbury Avenue
As reported by Bachus & Schanker, each of these intersections had between three and five pedestrian accidents in 2018. Also, there were 40 more intersections that each had two or three pedestrian accidents in 2018.
The most Dangerous Intersections for Motor Vehicles in Denver :
The top five intersections for motor vehicle accidents in Denver in 2018, according to Bachus and Schanker, were:
- North Quebec Street and East Martin Luther King Boulevard
- Colfax Avenue and North Speer Boulevard
- West 6th Avenue and North Kalamath Street
- West Alameda Avenue and South Santa Fe Drive
- West Evans Avenue and South Federal Boulevard
Each of these Denver intersections had at least 34 accidents in 2018.
Denver crashes: How They Happen
The Denver Regional Council of Governments’ 2017 traffic report estimated that nearly 68% of traffic accidents in Denver involve two or more moving motor vehicles, 17.3% involve fixed objects and 8.6% include a parked vehicle.
According to the same report, 1.3% of crashes in Denver involve a pedestrian and 1% an animal.
Fix your Muffler: How Loud is “Denver Loud?”
The Mile High City has a sound ordinance related to vehicles. A vehicle that weighs less than 10,000 pounds can’t exceed 82 decibels and a vehicle that weighs more can’t be louder than 90 decibels.
The Denver ordinance states that “no person shall operate nor shall the owner permit the operation of any motor vehicle or combination of motor vehicles at any time or place when such operation exceeds the sound pressure levels for the corresponding category of motor vehicle.”
Alcohol-Related Crash Fatalities in Denver
The National Highway Traffic Safety Administration said drunk driving kills approximately 10,000 people every year. In Colorado, more than 900 people were killed in alcohol-related accidents between 2013-2019.
Denver Trial Lawyers examined crash report data from the time period for the 15 Colorado counties with more than 50,000 residents and ranked them based on the incidence of an alcohol-related accident per 100,000 people.
Denver came in 14th with Denver Trial Lawyers stating that “even with a population of more than 700,000, Denver County has a relatively low rate of alcohol-related fatal accidents. Across 37 total accidents in 2019, 41 people were killed.”
Killed or Seriously Injured in a Denver Crash
In correspondence with the Vision Zero objective, the city has compiled vehicle deaths and serious injuries going back to 2013.
Killed or seriously injured:
- 2013: 663
- 2014: 720
- 2015: 657
- 2016: 657
- 2017: 558
- 2018: 564
- 2019: 601
- 2020 (Jan. 2-Feb. 18): 55
Walk Score rates any address in the United States, giving it a “walkability score,” which determines how walkable a particular street or intersection may be. Denver is the 16th most walkable large city in the US with a “walkability score” of 61. Denver did, however, come in at number four in the “bike-friendly” cities list, just behind Minneapolis, Portland and Chicago.
But as with any major city, Denver also struggles with pedestrian-related crash fatalities and injuries. Between 2008 and 2017, drivers struck and killed 49,340 people who were walking on streets in the United States. That equates to more than 13 people per day — or one person every hour and 46 minutes.
There were 590 pedestrian deaths in Colorado between 2009 and 2017, which has been ranked the 29th most-dangerous state in the country for pedestrians, according to a 2019 report called “Dangerous By Design” from Smart Growth America. The Denver metro area ranked as the 57th most dangerous metro in the country for pedestrians (out of 100), with 352 deaths during that time period.
Denver came 19th on the 2018 annual report compiled by INRIX on the “most congested urban areas in the U.S.” list and landed at 112th in the “world’s most congested cities for the 2018” traffic scorecard. The country’s list is topped by Boston, Washington, DC, Chicago, New York City and Los Angeles.
In 2018, Denver drivers lost approximately $1,152 each per year due to congestion, as compared to congestion-topper Boston, which lost $2,291. According to the study, Denver drivers spend 83 hours stuck in congestion per year, driving an average 13 mph during the last inner-city mile of travel.
And Denver ranked fairly high on another traffic congestion measurement report. GPS giant TomTom ranked the most congested cities by country and the world.
With a 23% congestion level, Denver landed at number 28 in North America (number 22 in the United States) in a 2018 list that was topped by Mexico City, Los Angeles, Vancouver and New York. The city’s congestion increased by 1% from 2017. Denver ranked 238th most traffic-congested by world’s standards on the TomTom list.
Compared nationally, Denver households are within the average range for car ownership. The largest share of households in the city has two cars, followed by one car, according to recent statistics from Data USA. The 2018 results also showed that roughly 15% of Denver households had three cars and less than 5% have five cars.
A U.S. Census survey in 2016 showed that there were estimated to be 1.8 vehicles available per household nationwide.
- 2015 Households Without Vehicles: 9.6%
- 2016 Households Without Vehicles: 9.4%
- 2015 Vehicles per Household: 1.58
- 2016 Vehicles per Household: 1.62
Vision Zero Initiative
A group of national organizations adopted Vision Zero to establish a national strategy on highway safety referred to as Toward Zero Deaths (TZD). It focuses on data-driven topics, such as safer drivers, safer passengers, safer users, enhanced medical services, safer infrastructure and safer vehicles.
Denver began laying the groundwork for its Vision Zero initiative in 2015. During his 2017 State of the City address, Mayor Michael Hancock announced the city’s commitment to “eliminate all traffic-related deaths and serious injuries on Denver’s roadways by 2030.”
In 2016, a five-year Action Plan was developed, concentrating on five primary needs for Denver: enhance processes and collaboration; build safe streets for everyone; create safe speeds; promote a culture of safety and improve data and be transparent.
Distracted driver law in Denver
In Colorado, adult drivers are allowed regular cell phone use for voice calls. Headphones may be worn in one ear for this purpose.
However, adult drivers are prohibited from manual data entry and transmission on a cell phone (i.e., to send a text message or browse the internet) while behind the wheel. Any driver under 18 is prohibited from using a cell phone while driving. The prohibition includes phone calls, text messaging or similar forms of manual data entry and transmission.
Exceptions to the law are provided under specified circumstances. Drivers, regardless of age, may use a wireless device for phone calls or sending or receiving text messages either to contact a public safety entity or during an emergency. The first fine for minor drivers is $50 and the first for adults is $300.