Denver Car Insurance

Your Complete Guide to Car Insurance in Denver, CO

Find the right car insurance policy for you.


Denver, CO has been a marking point for the western United States for decades, and at 5,280 feet above sea level, its nickname as the Mile High City doesn't go unnoticed. But as a jumping-off point for the mountains, Denver sees its fair share of hectic and busy traffic. The city's 600,000 residents are constantly backed up in traffic on interstates 25 and 70 on their way to and from work or to weekend getaways in the great outdoors.

To ensure you're protected as a Denver driver, talk to an Independent Insurance Agent. Our agents know the unique risk you face when it comes to other drivers, weather fluctuations and so much more. With a reliable agent, you'll receive personalized Denver car insurance you can trust at a price that won't break the bank.

  • National average cost per year: $1,311
  • Colorado average cost per year: $1,245
  • 26th most expensive state for auto premiums in the U.S.

Do you know how your auto insurance was calculated? Average costs are a great baseline to start with, but your Denver auto insurance should be personalized to your unique car and risks. The vehicle's age and model and your driving history all factored into your plan. Whether you're just considering purchasing something new or are looking at alternative options, team up with an agent to receive car insurance protection you can trust.

Colorado Car Insurance Requirements

As a Colorado driver, you're required to have minimum coverage of $25,000 for an individual injury, $50,000 total for all injuries and $15,000 for property damage. But these limits may not be enough if you're in an accident bigger than a fender bender. Talk to an agent about higher limit options so you can feel secure when you're on the road.


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Number of Uninsured Motorists in Colorado

  • Number of uninsured U.S. drivers: 13%
  • Number of uninsured Colorado drivers: 13.3%

There is an unusually high number of uninsured drivers in the Centennial State, which means you need extra protection against these careless individuals. It can be extremely difficult to collect compensation from an uninsured or underinsured driver, but this add-on coverage can help. Talk to your agent about how this layer of insurance can give you protection from the unexpected.

Number of Auto Thefts in Colorado

  • National number of thefts per 1,000 vehicles: 2.28
  • Colorado number of thefts per 1,000 vehicles: 3.8

Most metropolitan areas see high levels of vandalism, and Denver is no different. You can park under street lights, enable your security system and hide valuables in the trunk, but the only surefire way to protect yourself is with comprehensive auto insurance. An agent can explain how your coverage and carrier will respond if you experience theft, a break-in or "other than collision" damage.

Find the Best Denver Car Insurance Policy

Independent insurance agents can help you understand your policy — and find you affordable and customized Denver car insurance quotes. When you partner up with a local agent, you'll receive unparalleled customer service and an insurance plan you can get on board with. Let us help protect you, your family and your vehicle with insurance you can afford.

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