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 Average||State Average||National Average|
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 Level||Average Car Insurance Rate|
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
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/Gender||Average Rate|
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/Incident||Average Annual Premium|
|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.
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
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Denver Car Insurance
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