What drives up car insurance rates in Denver?
Car Insurance in Denver
Colorado has premiums that are fairly similar to the national average, as they are within $8 of one another. Why don't we go over some tips on how to save on car insurance in Denver?
- City Average: $1,578
- State Average: $1,435
- National Average: $1,427
Denver Car Insurance by Age
At $1,444, drivers in their 50s have the smallest premiums among any age group. People in their 60s ($1,477) have premiums that aren't much higher. Car insurance premiums are highest for teenage drivers, with rates that average $6,301 per year. Drivers in Denver see the greatest decrease in premiums when they reach their 20s, as they pay an average of 66% less after moving out of the teenage age range. In Denver, turning 60 means an increase in premiums. Up until then, progressing between age groups means decreasing prices.
- Teenagers: $6,301
- 20s: $2,140
- 30s: $1,550
- 40s: $1,522
- 50s: $1,444
- 60s: $1,477
- 70s: $1,813
Denver Car Insurance by Accident or Violation History
Do you realize how much an accident or violation history can cost you in terms of car insurance premiums? Many people look at speeding as a minor offense, but getting pulled over for driving 16-20mph over the limit increases your insurance premiums by a striking $340. Even among safe drivers, accidents happen, so be prepared and learn what one can do to your rates. For those in Denver with at-fault accidents, $752 is, on average, the additional cost for car insurance over the city average.
- DUI: $2,413
- Reckless Driving: $2,391
- At-fault Accident (damages less than $1000): $2,330
- At-fault Accident (damages greater than $2000): $2,330
- Speeding Ticket (16-20 mph over speed limit): $1,918
Denver Car Insurance by Credit Rating
Improving your credit can save you a sizable chunk of money. Those in the bottom credit tier (300-579) normally pay more than twice as much for car insurance than those in the top credit tier (800-850). In terms of percent change, the biggest benefit of better credit occurs when boosting from Good (670-739) to Very Good (740-799), by which drivers can save approximately 19% per year.
- Very Poor: $3,060
- Fair: $2,558
- Good: $2,077
- Very Good: $1,677
- Exceptional: $1,373
Denver Car Insurance by Gender and Marital Status
Car insurance premiums in Denver differ based on driver traits such as gender and marital status. $44 is the amount by which men's and women's car insurance premiums deviate. Rates for those who are widowed are relatively cheaper than rates for those who are single. You can save an average of 6% per year if you're married as opposed to single.
- Female: $1,622
- Male: $1,578
- Single: $1,578
- Married: $1,490
- Divorced: $1,578
- Widowed: $1,513
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in the Mile High City
The average Denverite's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Denver
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Denver Car Insurance
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