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How much does car insurance cost in Denver?


The typical Denver driver pays $1,949 per year for car insurance. That's pricier than the statewide average in Colorado ($1,757) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Denver.


CAR INSURANCE: DENVER RATES VS. STATE + NATIONAL AVERAGES
Denver Average (per year)Colorado AverageU.S. Average
$1,949$1,757$1,548

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Denver car insurance premiums by company


The company-by-company differences in car insurance rates can be substantial, so it's important to compare quotes thoroughly and choose your insurer carefully. For a typical insurance customer, USAA provides Denver's cheapest rates. See below the best options for affordable auto insurance in Denver. Don't forget to get car insurance quotes based on your driving profile.


DENVER CAR INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
USAA$1,150
GEICO$1,241
State Farm$1,540
Allstate$2,031
Progressive$2,451

Read our guide to finding the best cheap auto insurance.



Denver auto insurance premiums by age

The age group that enjoys the lowest auto insurance rates in Denver are drivers in their 50s, who pay an average of $1,736per year. Rates for Denver drivers in their 60s are also relatively affordable, at just $1,761 per year.

Teenage drivers pay Denver's most expensive auto insurance rates. When Denver drivers hit their 20s, their insurance rates drop substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Denver is $4,539, the largest such difference between any two age groups.


CAR INSURANCE RATES BY AGE TIER IN DENVER
Age groupAverage Annual Rate
Teenagers$7,010
20s$2,472
30s$1,899
40s$1,843
50s$1,736
60s$1,761
70s$2,093

Learn more about the impact of age on car insurance premiums.



Denver car insurance premiums by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance rates. Married drivers in Denver pay $135 less than single drivers for car insurance. Married drivers pay less for car insurance than do single drivers in many locations. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Denver, single drivers pay more than those who are widowed.

Gender is another factor that can affect car insurance rates. In Denver, female drivers pay more for auto insurance than do male drivers: $12 per year, to be precise.


INSURANCE RATES IN DENVER BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$1,961
Male$1,949
Single$1,814
Married$1,814
Divorced$1,949
Widowed$1,862

Learn more about how gender and marital status have on insurance rates.



Denver auto insurance costs by accident and citation history


No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Denver drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $717 per year versus the city average. A ticket for speeding results in a $346 rate hike while a DWI or DUI violation costs $681per year in extra insurance expenditures.


DENVER CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Yearly Rate
DWI/DUI$2,630
Reckless Driving$2,666
At-fault Accident (damages less than $1,000)$2,438
At-fault Accident (damages greater than $2,000)$2,763
Speeding Ticket (16-20 mph over speed limit)$2,295

Get more info on how a bad driving history can impact your car insurance costs.



Denver car insurance rates by credit score


In many cases, a driver's credit level is closely correlated with their auto insurance rates. Denver drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 57% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a meaningful step toward saving money on auto insurance. In Denver, improving your credit to "Fair" could help you earn a $1,381 decrease in yearly insurance premiums.


DENVER AUTO INSURANCE RATES BY CREDIT SCORE
Credit TierAverage Annual Rate
Very Poor$3,752
Fair$2,371
Good$1,949
Very Good$1,771
Exceptional$1,601

Learn more about the relationship between poor credit and car insurance.



What drives up car insurance rates in Denver?

Where you live in Denver affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Denver is no exception to the rule. From ZIP code 80234 to 80219, premiums rise by 22 percent—that’s $307.

Expensive Denver ZIP codes: 80239, 80205, 80204, 80223, 80219

Cheap Denver ZIP codes: 80234, 80241, 80127, 80123, 80233

Denver Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Denver, you can expect 87 rainy days with an annual rainfall of 15.6 inches. Denver is also known to experience severe winter storms.

87

Rainy Days a Year

16"

Avg. Annual Rainfall

54"

Avg. Annual Snowfall

Be Prepared For

Driving in the Mile High City

2
Major Highways
I-25 I-76 I-270
2
Public Transit
RTD Bus RTD Rail
2
Toll Roads
E-470 Northwest Parkway
2
Popular Day Trips
Rocky Mountain National Park Colorado Springs Mount Goliath

Find Local Denver Agents

Bonnie Brae Insurance Agency

179 S. Colorado Blvd, Denver, CO 80246

Hays Companies

1200 17th Street, Ste 520, Denver, CO 80202

ISU Insurance Services of Colorado, Inc.

950 17th St #1000, Denver, CO 80202

2

$1,517

The average Denverite's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

152

That's equal to 152 beers or $607 in savings

See How Much You Can Save in Denver

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Recent Questions:

Can an insurance company force add me to a policy even if I do not drive?

Insurance companies generally require any household member of driving age be listed on a policy. Policyholders normally have the option, however, to "exclude" anyone they don't want added to their policy.
Sep 29, 2017 Denver, CO

If you've been involved in multiple hit-and-runs but never reported them, can you still file a claim?

Technically these are 3 separate incidents and would constitute 3 different claims. The driver that hit you most recently would be responsible for the damage that he caused, but you would be responsible for the damage from the other incidents since there is no one else to hold responsible.
Mar 4, 2017 Denver, CO

Am I required to provide insurance information if we agreed there was no damage but the other driver now wants to file a claim?

Technically you are required to exchange insurance information after an accident. To keep yourself from being the victim of any sort of insurance fraud you should always take pictures of both vehicles after an accident, even if there is no visible damage.
Aug 30, 2017 Denver, CO

Does car insurance follow the car or the driver?

The rule of thumb is that the insurance coverage on the vehicle you are driving is primary in the event of an accident. Since you will be borrowing a vehicle, your car insurance would provide secondary coverage in the event that you are involved in an accident.
Jul 17, 2016 Denver, CO

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.

  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.

  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.

  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.