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 Average||State Average||National Average|
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/Incident||Average Insurance Rate|
|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/Gender||Average Rate|
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
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 Score||Average Car Insurance Rate|
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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