Car Insurance in Denver, Colorado
Estimated full coverage in Denver runs about $2,030 a year ($169/month) — ▲ +12% versus the Colorado average, ranking 2nd most expensive of the 13 Colorado cities we cover.
Why car insurance in Denver costs more than the Colorado average
Insurers price by territory, and Denver's numbers explain most of the gap. With 729,019 residents on 153.1 square miles, the city's density (4,763 people per square mile) is 7.4 times the density where the typical Colorado resident lives (640). The average commute is 24.9 minutes (Colorado: 25.2), and 56% of workers drive alone. Together these put our location factor at 1.11× the state baseline for liability and collision, and 1.12× for comprehensive once FEMA weather risk for Denver County is included.
| Factor | Denver | Colorado ref. | Why it matters |
|---|---|---|---|
| Population density | 4,763 / sq mi | 640 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 24.9 min | 25.2 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 5.1% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 56.1% | — | Share of workers commuting by car. |
| Public transit to work | 3.8% | — | Transit use lowers how much residents drive. |
| Work from home | 27.3% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 10.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 97.3 | 94.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Denver
Rates can change from one ZIP code to the next. Across 27 Denver ZIP codes, our full-coverage estimate ranges from $1,910 in 80249 to $2,155 in 80203. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 80219 | 59,523 | 8,064 | 26.7 min | 10.1% | $2,110 | +4% |
| 80239 | 44,956 | 4,351 | 26.0 min | 4.8% | $2,035 | 0% |
| 80249 | 41,590 | 873 | 27.9 min | 5.1% | $1,910 | −6% |
| 80210 | 39,113 | 6,424 | 22.1 min | 5.0% | $2,015 | −1% |
| 80211 | 38,177 | 8,458 | 25.6 min | 7.5% | $2,100 | +3% |
| 80220 | 37,203 | 7,195 | 23.6 min | 6.7% | $2,050 | +1% |
| 80231 | 35,883 | 7,350 | 26.1 min | 9.4% | $2,090 | +3% |
| 80204 | 35,318 | 6,444 | 24.3 min | 15.7% | $2,050 | +1% |
| 80205 | 34,571 | 7,456 | 24.7 min | 16.0% | $2,070 | +2% |
| 80238 | 30,575 | 4,502 | 24.4 min | 4.2% | $2,015 | −1% |
| 80247 | 29,760 | 10,216 | 26.6 min | 12.9% | $2,135 | +5% |
| 80209 | 27,564 | 7,869 | 23.2 min | 8.8% | $2,050 | +1% |
| 80206 | 24,383 | 9,840 | 21.9 min | 7.7% | $2,055 | +1% |
| 80222 | 23,838 | 6,232 | 23.3 min | 10.2% | $2,030 | 0% |
| 80237 | 23,384 | 6,453 | 24.6 min | 7.5% | $2,055 | +1% |
| 80203 | 22,441 | 20,532 | 23.4 min | 20.6% | $2,155 | +6% |
| 80207 | 21,542 | 5,495 | 24.5 min | 6.3% | $2,035 | 0% |
| 80212 | 20,746 | 5,823 | 23.7 min | 5.4% | $2,030 | 0% |
| 80224 | 19,352 | 5,902 | 23.8 min | 10.5% | $2,030 | 0% |
| 80223 | 19,246 | 3,628 | 26.0 min | 14.3% | $2,020 | 0% |
| 80218 | 19,149 | 12,097 | 22.8 min | 20.9% | $2,090 | +3% |
| 80202 | 18,589 | 16,080 | 23.5 min | 22.8% | $2,130 | +5% |
| 80216 | 17,330 | 1,709 | 24.4 min | 11.2% | $1,920 | −5% |
| 80236 | 16,863 | 5,250 | 27.6 min | 6.5% | $2,080 | +2% |
| 80246 | 13,097 | 7,838 | 23.5 min | 6.8% | $2,055 | +1% |
| 80230 | 10,449 | 3,793 | 23.1 min | 14.2% | $1,975 | −3% |
| 80290 | 474 | 59,250 | 15.5 min | 19.5% | $2,130 | +5% |
Minimum car insurance in Denver
Denver drivers follow Colorado's rules: at least 25/50/15 liability coverage. Colorado is at-fault (tort). We estimate state-minimum coverage in Denver at $725 a year, and $1,050 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $15,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Colorado does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured/underinsured motorist coverage is included in the policy unless the named insured rejects it in writing; uninsured motorist property damage is optional. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Included together with uninsured motorist coverage unless rejected in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | $5,000 Medical payments coverage of $5,000 is included unless the named insured rejects it. | Medical bills for you and your passengers |
Risk factors that shape Denver premiums
Accidents
Colorado recorded 689 traffic deaths, or 1.25 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Colorado's vehicle theft rate is 305 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Denver County as very high for hail, relatively high for inland flooding and relatively high for strong wind.
Traffic & commuting
5.1% of Denver commuters spend an hour or more getting to work, and there are 1.55 vehicles per household. 27.3% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.9 | Comprehensive (car); roof claims (home) | |
| Tornado | 97.9 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 95.3 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 96.1 | Comprehensive; dwelling | |
| Winter weather | 92.0 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Denver by driver profile
A clean-record driver in their 50s pays the least in our Denver model (about $1,865 for full coverage); an 18-year-old on their own policy pays about $5,575, and a DUI pushes a 30-something to $3,750.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,995 | $2,895 | $5,575 | $465 |
| Young adult (22) | $1,160 | $1,685 | $3,245 | $270 |
| Adult in their 30s | $725 | $1,050 | $2,030 | $169 |
| Adult in their 50s | $670 | $970 | $1,865 | $155 |
| Senior (72) | $815 | $1,180 | $2,270 | $189 |
| 30s, one at-fault accident | $1,050 | $1,525 | $2,940 | $245 |
| 30s, DUI on record | $1,340 | $1,945 | $3,750 | $313 |
Minimum vs. standard vs. full coverage in Denver
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $725 | $60 | $595–$855 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,050 | $88 | $865–$1,240 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,030 | $169 | $1,665–$2,395 |
Estimate your premium in Denver
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Cheap car insurance in Denver: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Denver's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $140 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $145 | You're among the 27.3% of Denver workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $540 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $980 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $445 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Denver
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 169 offices listed below.
- Check complaint records with the Colorado Division of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Denver, our estimates differ by up to $245 a year between neighborhoods.
Car insurance agents near Denver, CO
We found 169 insurance offices within about 9 miles of central Denver, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Jeffreyson Robert Gieck - Farmers Insurance
10255 E 25th Ave, Aurora, CO 80010 -
Kenny Plank - State Farm
7505 E 35th Avenue, #350, Denver, CO 80238 -
Alex Cole - Allstate
8340 E Northfield Blvd, Unit 2630, Denver, CO 80238 -
Nidia Maria Gomez - Farmers Insurance
1519 Geneva St, Aurora, CO 80010 -
Monica Meza - State Farm
9135 Northfield Blvd, Suite 120, Denver, CO 80238 -
Freeway Insurance
10310 E Colfax Ave, Aurora, CO 80010 -
Brenda A McChesney - Farmers Insurance
1142 Yosemite St, Denver, CO 80220 -
Marvin Hill - American Family Insurance
12015 E 46th Ave, Ste 180, Denver, CO 80239 -
Automex Insurance
11555 East Colfax Avenue, , CO -
Zoraida Muro - Farmers Insurance
12075 E 45th Ave, Denver, CO 80239 -
Freeway Insurance
4701 Peoria St, Denver, CO 80239 -
Adam Moskowitz - State Farm
930 Jersey St., Denver, CO 80220 -
John Sanchez - GEICO
200 Quebec St, Building 600-201, Denver, CO 80230 -
Adam Bird - State Farm Insurance Agent
9660 East Alameda Avenue, Unit 103, Denver, CO 80247 -
State Farm Jason A. Hart
CO -
All-Safe Insurance Services Ltd
CO -
Fred Loya Insurance
CO -
Lou Toth - Allstate
1633 Fillmore St, Ste 380, Denver, CO 80206 -
Robert Malfa - Farmers Insurance
14201 E 4th Ave, #4-270, Aurora, CO 80011 -
Tim Urbine - State Farm
14291 E 4th Avenue, Suite 7-120, Aurora, CO 80011 -
Premier Group Insurance
CO -
State Farm
CO -
Gloria Cisneros - American Family Insurance
15290 E 6th Ave, Unit 140, Aurora, CO 80011 -
Troy A Gardner - Farmers Insurance
1010 S Joliet St, Aurora, CO 80012 -
National Insurance
CO -
Dean & Associates, Inc.
925 S Niagara St, Ste 330, Denver, CO 80224 -
Bernard Demichelis - Allstate
390 S Potomac Way, Ste F, Aurora, CO 80012 -
Norm Belson - Farmers Insurance
1200 S Parker Rd, Denver, CO 80231 -
Angel Rivas - Farmers Insurance
1001 S Monaco Pkwy, Denver, CO 80224 -
Todd Savage - State Farm
300 S Jackson St., Ste 125, Denver, CO 80209 -
Mason Good - State Farm
3560 Walnut Street, Unit B, Denver, CO 80205 -
Matthew Carlson - Allstate
1450 S Havana St, Ste 500, Aurora, CO 80012 -
Fred Loya Insurance
CO -
Y. Cruz Agency, LLC
3300 Walnut St, Unit 216, Denver, CO 80205 -
C-M Car Insurance
3401 Blake Street, Denver, CO 80205 -
Allstate Insurance Agent: Hafedh Ferjani
1642 South Parker Road, #207, Denver, CO 80231 -
Joe Short - American Family Insurance
1627 S Havana St, Unit E, Aurora, CO 80012 -
Allstate Insurance Lou Toth
1459 Ogden Street, Denver, CO 80218 -
State Farm
671 East 19th Avenue, Denver, CO 80203 -
State Farm
CO
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Denver
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,530 | −25% |
| Subaru Outback | Wagon | $1,540 | −24% |
| Tesla Model 3 | Midsize car | $2,075 | +2% |
| Subaru Forester | Small SUV | $1,510 | −26% |
| Honda Civic | Compact car | $2,270 | +12% |
| Toyota Corolla | Compact car | $2,140 | +5% |
| Jeep Wrangler | Midsize SUV | $1,670 | −18% |
| Mazda CX-5 | Small SUV | $1,695 | −17% |
| MINI Cooper | Subcompact car | $1,530 | −25% |
| Tesla Model Y | Midsize SUV | $1,870 | −8% |
More car insurance topics in Denver
Car insurance in nearby Colorado cities
- Aurora $2,020/yr · 2 mi
- Thornton $2,105/yr · 9 mi
- Arvada $2,000/yr · 11 mi
- Centennial $2,015/yr · 12 mi
- Westminster $2,030/yr · 13 mi
- Lakewood $2,005/yr · 13 mi
- Boulder $1,880/yr · 27 mi
- Longmont $1,980/yr · 30 mi
- Greeley $1,935/yr · 46 mi
- Fort Collins $1,875/yr · 55 mi
- Colorado Springs $1,915/yr · 62 mi
- Pueblo $1,815/yr · 104 mi
All Colorado cities and state rules · Homeowners insurance in Denver
Frequently asked questions
How much is car insurance in Denver, CO?
We estimate full coverage in Denver at about $2,030 a year ($169 a month) for a driver in their 30s with a clean record, and about $725 for Colorado's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Denver more expensive than the Colorado average?
Our Denver estimate is 12% higher than the statewide figure. The model reflects a population density of 4,763 people per square mile (the typical Colorado resident lives at about 640) and an average commute of 24.9 minutes versus 25.2 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Denver?
Drivers in Denver follow Colorado law: at least 25/50/15 liability coverage.
Which ZIP code in Denver has the cheapest car insurance?
Among Denver's 27 ZIP codes, 80249 has the lowest estimate (about $1,910 a year for full coverage) and 80203 the highest (about $2,155), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Denver?
An 18-year-old with their own full-coverage policy would pay around $5,575 a year in Denver by our estimate ($1,995 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Denver?
Yes. FEMA's National Risk Index rates Denver County for hail (very high), inland (river) flooding (relatively high), and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Denver?
We list 169 insurance offices in and around Denver, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Colorado Division of Insurance: Auto Insurance
- Colorado DMV: SR-22 and Insurance Information
- Colorado DMV: Suspension and Reinstatement FAQs
- Colorado Division of Insurance: Premium Comparison Reports
- Colorado Division of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Denver and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places