How Much Does Car Insurance Cost in Denver?


Denver is recognized for its pricey premiums, as its mean premium surpasses Colorado's average by 10%. Therefore if you are insuring a vehicle in Denver, understanding premium costs is vital. We've analyzed how auto insurance rates in Denver compare to premiums nationwide.


AUTO INSURANCE COSTS: DENVER VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,578$1,435$1,427


Denver Auto Insurance by Credit Rating


People with Very Poor credit (300-579) generally pay more than twice as much every year on premiums than those with Exceptional credit (800-850). Shifting from Very Poor (300-579) to Fair (580-669) generates the most notable reduction in premiums, as drivers save an average of $400 per year.


DENVER AUTO INSURANCE RATES BY CREDIT TIER
Credit LevelAverage Car Insurance Rate
Very Poor$3,060
Fair$2,558
Good$2,077
Very Good$1,677
Exceptional$1,373


Denver Auto Insurance Costs by Age

Teenage drivers have the largest premiums of any age group, with typical car insurance payments of $6,301. The biggest decline in premiums for Denver drivers happens when they hit their 20s. Once out of the teenage age bracket, people save, on average, $4,161. In Denver, turning 60 means an increase in car insurance premiums. Up until then, moving between age groups means decreasing prices. Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest insurance rates among any age group, with rates of $1,444 per year. People in their 60s ($1,477) also have relatively low premiums.


DENVER AUTO INSURANCE RATES BY DRIVER AGE
AgeAverage Rate
Teenagers$6,301
20s$2,140
30s$1,550
40s$1,522
50s$1,444
60s$1,477
70s$1,813


Denver Auto Insurance by Gender and Marital Status


There are numerous factors, including gender and marital status, that come into play when determining car insurance premiums in Denver. Normally, females have premiums that are 3% more pricey than those for males. Rates for those who are widowed are moderately cheaper than rates for those who are single. You spend 6% more per year if you're single as opposed to married.


DENVER CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,622
Male$1,578
Single$1,578
Married$1,490
Divorced$1,578
Widowed$1,513


Denver Car Insurance for High-Risk Drivers


Do you have a history of accidents or violations? That can influence your premiums. $835 is the additional cost per year for drivers with a DUI in Denver, compared to the city average of $1,578. Reckless driving will push your premiums up as well, with typical rates of $2,391, which are 52% higher than the city average! Car insurance is an average of $752 more per year in Denver if you have an at-fault accident on your driving record.


AVERAGE DENVER INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Premium
DUI/DWI$2,413
Reckless Driving$2,391
At-fault Accident (damages less than $1,000)$2,330
At-fault Accident (damages greater than $2,000)$2,330
Speeding Ticket (16-20 mph over speed limit)$1,918


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

87

Rainy Days a Year

16"

Avg. Annual Rainfall

54"

Avg. Annual Snowfall

Be Prepared For

Driving in the Mile High City

Major Highways
I-25 I-76 I-270
Public Transit
RTD Bus RTD Rail
Toll Roads
E-470 Northwest Parkway
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

Not sure about Denver

Check out these other Colorado cities...

Colorado Springs

Aurora

$1,517

The average Denverite's annual cost of coverage

40%

Our customer's average savings after comparing insurance

152

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

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Denver Car Insurance

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