Like most states, car insurance is required to drive in Colorado. While 300 days of sunshine make Colorado a great place to live, the ever-changing weather can wreak havoc on your car. Winter brings icy roads, and hail the size of golf balls can rain down in spring. For the best car insurance in Denver, consider these companies that offer complete policies and have knowledge of the local market.
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American Family Insurance Agent: Matthew Ditzenberger
M-Th: 9am - 5pm
F: 9am - 4pm
Closed Sat and Sun
1485 S. Colorado Blvd., Ste. 200
Denver, CO 80222
M-F: 7:30am - 5pm
Sat: 8:30am - 12pm
2055 S. Federal Blvd.
Denver, CO 80219
Vela Insurance Agency
M-F: 8:30am - 5:30pm
Closed Sat and Sun
5285 W. Louisiana Ave.
Lakewood, CO 80232
How to choose a car insurance company in Denver
The average cost of car insurance in Denver is $1,562 per year. Rates vary depending on where the insurer resides. Some of Denver's highest annual rates by ZIP code are below.
80219 – $1,680
80223 – $1,676
80246 – $1,666
80230 – $1,664
Here are some of the lowest annual rates:
80521 (Fort Collins) – $1,196
80535 (Laporte) – $1,201
80537 (Campion) – $1,203
80525 (Fort Collins) – $1,209
Check out average rates for surrounding cities:
Even the lowest rates in Colorado are still higher than the national average rate, which is about $900 per year for coverage. In fact, Colorado's insurance premiums rose at the third-fastest rate throughout the United States in recent years. Insurance experts say Colorado insurance rates are rising with the large number of people relocating to Colorado and the corresponding increase in claims being filed.
Also, Colorado ranks in the top five states for increasing collision claim costs, and CDOT reports that fatal crashes rose 24 percent over recent years. Finally, another factor in higher insurance rates is that Colorado is one of the states with the highest hailstorm claims.
Car insurance coverage requirements in Denver
Colorado drivers must carry liability insurance, which covers only the other car and driver when an accident is your fault. Colorado drivers must have liability coverage at these minimums:
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
$15,000 per accident for property damage
Proof of car insurance is also required to register your vehicle or to renew registration. For more tips on what to look for in car insurance in Denver, the Colorado Department of Regulatory Agencies maintains useful resources.
*InsuraMatch companies are in good standing with regulatory authorities, have been vetted and approved by InsuraMatch and are represented by InsuraMatch or its affiliates.
Denver customers loved how easily they got a rental vehicle while their car was repaired, especially when repairs took longer than anticipated. Progressive offers discounts for being a good student age 22 and younger, setting up automatic payments, paying a premium in full, opting for paperless document delivery and having multiple policies.
Denver customers reported great communication with Liberty Mutual. There are exclusive Colorado savings for college alumni, such as University of Colorado and Colorado State University. Liberty Mutual offers discounts for drivers of hybrid vehicles, good students 25 years old and younger, new graduates, newly married couples and recent retirees.
While offices for The General are not in Colorado, coverage is available to residents. Customers say they love getting covered even with previous accidents on their driving record. The General offers budget-sensitive payment plans. The company also gives coverage for drivers with a history of accidents, driving violations and less than perfect credit.
M-F: 9am - 6pm, Sat: 10am - 2pm, Closed Sun
L.A. Insurance is a Denver-based, walk-in insurance company that provides excellent customer service. Their goal is to provide insurance coverage that meets each individual’s situation. Satisfied Denver customers say they experienced fast, efficient service at L.A. Insurance from knowledgeable, friendly staff.
A Plus Insurance
M-F: 8am - 6pm, Closed Sat and Sun
The owners of A Plus Insurance are Colorado natives who understand the unique road conditions of the state. They offer a no pressure approach and low rates. Denver customers praised A Plus Insurance for reasonable rates, personalized service and friendly customer service.
Our partners independently research and analyze the companies mentioned in our guides and work with subject matter experts to add valuable information that helps consumers make smart purchase decisions. Our partners will not include companies on these guides that do not meet specific quality standards. The compensation we receive from our partners may impact how and where companies appear on our site, including the order in which they appear.
Our partners independently research companies, and use editorial discretion to award companies with special recognition (i.e. Best Value) based on their staff’s judgement or subject matter expert’s judgement. Our partners do this to help you identify companies that will meet your specific buying needs, and do not receive compensation for these designations.