How Much Does Car Insurance Cost in Denver?


With premiums within 0.6% of the national average, Colorado has rates that are relatively similar to the nation. Let's compare car insurance costs in Denver versus premiums across the nation.


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


Denver Car Insurance for Drivers With At-Fault Accidents or Violations


Do you know the impact an accident or violation can have on your car insurance rates? A DUI will increase your car insurance premiums more than other driving violations. In Denver, drivers with a DUI have rates that exceed the city average of $1,578 by $835. Reckless driving will drive your rates up as well, with average rates of $2,391! Even among safe drivers, accidents happen, so be prepared and learn how your rates can change following one. Being at-fault in an accident can cost drivers an extra $752 per year to insure your vehicle in Denver.


AVERAGE DENVER INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Insurance Rate
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


Denver Car Insurance by Marital Status and Gender


Car insurance premiums in Denver can be influenced by gender and marital status. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Those who are married save an average of 6% per year on car insurance compared to those who are single or divorced. Premiums are more pricey for women. Women normally pay 3% more than men each year for insurance.


DENVER CAR INSURANCE PREMIUMS 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 by Age

With typical car insurance payments of $6,301, teenage drivers have the most expensive rates out of all the age groups. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest car insurance rates among any age group, with rates of $1,444 per year. However, people in their 60s ($1,477) have premiums that aren't much higher. Denver drivers see the largest reduction in premiums when they reach their 20s, as they save an average of 66% from moving out of the teenage age bracket. In Denver, turning 60 means an increase in premiums. Up until then, moving between age groups means decreasing prices.


DENVER AUTO INSURANCE COSTS BY 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 Credit Level


Average car insurance premiums in Denver for those with Very Poor credit (300-579) are over double the premiums for those with Exceptional credit (800-850). Drivers can save close to 19% per year when they raise their credit tier from Good (670-739) to Very Good (740-799).


DENVER CAR INSURANCE COSTS BY CREDIT LEVEL
Credit ScoreAverage Car Insurance Rate
Very Poor$3,060
Fair$2,558
Good$2,077
Very Good$1,677
Exceptional$1,373


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

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

ISU Insurance Services of Colorado, Inc.

950 17th St #1000 Denver, CO 80202

Hays Companies

1200 17th Street, Ste 520 Denver, CO 80202

Not sure about Denver

Check out these other Colorado cities...

Colorado Springs

Aurora

2

$1,517

The average Denverite's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_beer

152

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

See How Much You Can Save in Denver

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