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Best Car Insurance Companies in Denver, CO

Nov. 19, 2019, 10:57 p.m.

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.

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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#1
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Features
  • Quotes from local agents and top car insurance companies
  • Compare the lowest rates
  • Fast and free for all driving records
  • Available in Denver
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#2
Progressive
Progressive
Features
  • Bundle & save policies
  • Discounts: multi-policy, teen driver and more
  • Snapshot program
  • Name your price tool
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#3
Liberty Mutual
Liberty Mutual
Features
  • 12-month rate guarantee
  • Accident forgiveness
  • Deductible savings fund
  • Bundle & save policies
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#4
The General
The General
Features
  • 50+ years of service
  • Accepts drivers with a poor driving history
  • Purchase policy online
  • Free, online quote
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L.A. Insurance
L.A. Insurance
Features
  • Individuals & commercial
  • Provide 15 carrier quotes
  • SR22 & DUI insurance
  • Renters insurance
Location
2684 S. Broadway
Denver, CO 80210
(800) 893-9393
A Plus Insurance
A Plus Insurance
Features
  • Independent agents
  • Locally owned
  • SR22 insurance
  • Motorcycle insurace
Location
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
Location
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
Location
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
Location
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
Location
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
Location
667 E. 19th Ave.
Denver, CO 80203
(303) 744-0757
Car Insurance Denver
Car Insurance Denver
Features
  • Open 24 hours
  • alluscarinsurance.com
Location
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
Location
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
Location
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
Location
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
Location
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
Location
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
Location
5285 W. Louisiana Ave.
Lakewood, CO 80232
(720) 550-6527

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.

Progressive

Progressive

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.

Liberty Mutual

Liberty Mutual

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.

The General

The General

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.

L.A. Insurance

L.A. Insurance

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

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.