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Best Car Insurance Companies in Denver, CO

Updated 10/12/2018

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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Progressive
Progressive
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(720) 513-4005
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#2
Liberty Mutual
Liberty Mutual
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(720) 513-7219
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#3
The General
The General
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(720) 513-2217
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L.A. Insurance L.A. Insurance Features
  • Individuals & commercial
  • Provide 15 carrier quotes
  • SR22 & DUI insurance
  • Renters insurance
Contact info
2684 S. Broadway
Denver, CO 80210
(800) 893-9393
A Plus Insurance A Plus Insurance Features
  • Independent agents
  • Locally owned
  • SR22 insurance
  • Motorcycle insurace
Contact info
3773 Cherry Creek N. Dr., Ste. 575
Denver, CO 80209
(303) 355-2337
Allstate Insurance Agent: Denise Hoffman Allstate Insurance Agent: Denise Hoffman Features
  • M-Th: 8am - 5pm
  • F: 8am - 4pm
  • Closed Sat and Sun
  • agents.allstate.com
Contact info
535 16th St., Ste. 350
Denver, CO 80202
(303) 628-0554
All Drivers Insurance All Drivers Insurance Features
  • M-F: 9am - 7pm
  • Sat: 10am - 2pm
  • Closed Sun
  • alldriversinsurance.com
Contact info
3880 W. 38th Ave.
Denver, CO 80211
(303) 433-3379
Premier Group Insurance Premier Group Insurance Features
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • thinkpremierfirst.com
Contact info
600 17th St., Ste. 1425N
Denver, CO 80202
(720) 457-1101
Lightship Insurancee Lightship Insurancee Features
  • M-F: 8am - 6pm
  • Closed Sat and Sun
  • lightshipinsurance.com
Contact info
1650 Franklin St.
Denver, CO 80218
(303) 292-9995
State Farm Insurance Agent: Stephanie Sponder State Farm Insurance Agent: Stephanie Sponder Features
  • M-F: 9am - 5pm
  • Sat: by apptointment only
  • Closed Sun
  • myagentsteph.com
Contact info
667 E. 19th Ave.
Denver, CO 80203
(303) 744-0757
Car Insurance Denver Car Insurance Denver Features
  • Open 24 hours
  • alluscarinsurance.com
Contact info
9888 W. Belleview Ave., Ste. 2132
Denver, CO 80123
(720) 709-2953
Farmers Insurance Agent: James Lundin Farmers Insurance Agent: James Lundin Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • agents.farmers.com/co/denver/james-lundin
Contact info
1490 N. Lafayette St., Ste. 302b
Denver, CO 80218
(303) 433-4542
Denver Insurance Denver Insurance Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • denverinsuranceteam.com
Contact info
1127 Auraria Pkwy., Ste. 22
Denver, CO 80204
(720) 446-5566
Aspen Insurance Agency Aspen Insurance Agency Features
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • aspeninsuranceagency.com
Contact info
1315 S. Clayton St., Ste. 100
Denver, CO 80210
(303) 777-2991
American Family Insurance Agent: Matthew Ditzenberger American Family Insurance Agent: Matthew Ditzenberger Features
  • M-Th: 9am - 5pm
  • F: 9am - 4pm
  • Closed Sat and Sun
  • agent.amfam.com/matthew-ditzenberger
Contact info
1485 S. Colorado Blvd., Ste. 200
Denver, CO 80222
(303) 756-8038
Dagley Insurance Dagley Insurance Features
  • M-F: 7:30am - 5pm
  • Sat: 8:30am - 12pm
  • Closed Sun
  • dagleyins.com
Contact info
2055 S. Federal Blvd.
Denver, CO 80219
(303) 975-1229
Vela Insurance Agency Vela Insurance Agency Features
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • velainsures.com
Contact info
5285 W. Louisiana Ave.
Lakewood, CO 80232
(720) 550-6527

Everyone deserves to make thoughtful, informed purchase decisions. The local guides provided on this website are free for consumers. Denver7 may receive compensation from our partners. Learn more.

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How to choose a car insurance company in Denver

denver skyline

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:

  • Louisville: $1,297
  • Longmont: $1,277
  • Niwot: $1,390
  • Northglenn: $1,463
  • Parker: $1,381

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 it's affiliates.

Progressive

Progressive (720) 513-4005

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progressive.com

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.

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Liberty Mutual

Liberty Mutual (720) 513-7219

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M-F: 8:30am - 5pm, Closed Sat and Sun

libertymutual.com

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.

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The General

The General (720) 513-2217

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Hours unavailable

thegeneral.com

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.

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L.A. Insurance

L.A. Insurance

M-F: 9am - 6pm, Sat: 10am - 2pm, Closed Sun

denverautoinsurancecompany.com

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

A Plus Insurance

M-F: 8am - 6pm, Closed Sat and Sun

learnandserve.org

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.