Best Car Insurance in Denver, CO

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Auto insurance keeps you from paying out of pocket if you’re at fault in a car accident. Colorado's high number of uninsured drivers also makes insurance necessary for residents. We compiled this list of the best car insurance companies in Denver so you can protect yourself financially while on the road.

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Top 11 Denver Car Insurance Companies

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Driving in Denver, CO

Driving in Denver has unique challenges that make investing in your car insurance policy a good idea.

  • Crashes in Denver: In 2017, the Colorado Department of Transportation reported more than 22,000 total crashes in the Mile High City. Of these, more than half resulted in property damage and nearly a quarter resulted in injury or harm to the people involved. With the right car insurance, Denver residents can avoid paying out of pocket for damages, medical expenses and legal fees.
  • Road conditions in Denver: Denver usually gets more than 50 inches of snow, which can make driving hazardous. With the latest Central 70 project, consistent construction along city streets and unsafe intersections, such as Interstate 25 and Yale Avenue, car accidents are becoming more common. Car insurance in Denver provides collision coverage, roadside assistance and even reimbursement if you need a rental car after an accident.
  • Vehicle theft in Denver: Despite some improvements, vehicle theft in Denver is still a significant problem. The city averaged approximately 430 car thefts per month in 2018. The area around the Denver International Airport tends to be the most common location for car thefts, with neighborhoods like Gateway, Green Valley Ranch and Stapleton trailing close behind. The best car insurance companies in Denver insure drivers against theft and property damage and offer policies that pay for the full replacement value of your car.

Average car insurance quotes in Denver, CO

Car insurance premiums in Denver typically range from $600 to $1,800. The table below annual estimates for a 30-year-old woman living in various neighborhoods in the city.

Denver neighborhoodComprehensiveLiabilityState minimum
Denver International Airport - 80249$1,666$712$644
Capitol Hill - 80203$1,759$743$677
Montclair - 80220$1,790$795$723
Cherry Creek - 80111$1,628$714$649
Globeville - 80216$1,780$747$676
Hampden South - 80237$1,688$760$692

Neighborhood, ZIP code and coverage level aren’t the only factors that increase car insurance premiums. Other variables that play a role in cost include:

  • The number of individuals on your policy
  • Your driving history
  • Your gender
  • Your credit history
  • The type of vehicle you’re insuring

Minimum auto insurance coverage in Colorado

According to the Colorado General Assembly, drivers must have a minimum coverage of $25,000 in bodily injury liability for any one person, $50,000 in bodily injury liability for all people involved and $15,000 in property damage liability. While car insurance in Denver tends to be more expensive than in other states, minimum liability policies usually come in under $1,000 a year.

According to the Denver Post, 16.2% of drivers in the Mile High City are uninsured, and Colorado ranks in the top 10 states for uninsured drivers. Drivers without car insurance face serious consequences here, such as fines, license suspension and community service. Make sure your car insurance policy includes uninsured motorist coverage so you’re protected even if other cars on the road aren’t.

High-risk auto insurance

Through Colorado’s Automobile Insurance Plan, drivers who are unable to find conventional coverage can be insured up to the state minimum. These plans are designed for drivers who have been denied coverage within the last 60 days because of their driving violations, age or other risk factors. The state requires insurance companies to include MedPay insurance and coverage for uninsured motorists as part of CAIP.

Denver auto insurance FAQ

How do I find cheap SR-22 insurance in Denver?
An SR-22, also known as a Certificate of Financial Responsibility, is often required for high-risk drivers. Individuals who have had their license suspended, been involved in a car accident without insurance or been convicted of negligent driving must show they carry the minimum auto insurance coverage by filing an SR-22.
Why is car insurance so expensive in Colorado?
In recent years, heavy hail storms and a higher number of car accidents have increased the number of insurance claims. Car insurance rates have risen rapidly even after Colorado’s switch from a no-fault to an at-fault state. The legalization of marijuana is also a factor, as all states who legalized recreational use saw significant increases in their average premiums.
What is the penalty for not having car insurance in Colorado?
In Colorado, the penalty for not having car insurance is four points on your license and a $500 fine. After your second offense, you pay a minimum fine of $1,000 and have your license suspended for up to four months. Community service can also be an added penalty.

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    Denver car insurance company information

    Denver Insurance

    Denver Insurance is an independent agency that shops for low-cost car insurance from multiple carriers. The company has no broker fees, but customers still get the benefit of working one-on-one with an insurance agent. Under its insurance plans, customers receive broad coverage that protects their finances from property damage liability, personal injury liability and uninsured motorists. The company works with a variety of well-known insurance carriers, including Liberty Agency Insurance, AIG, 21st Century Insurance, Universal Insurance and Chubb Insurance.

    • Address: 1127 Auraria Parkway, Ste. 22, Denver, CO 80204
    • Phone: (720) 446-5566
    • Hours: M -F: 9am - 5pm
    • Website:
    Insurance Town & Country

    Insurance Town & Country specializes in providing car insurance and commercial vehicle insurance to Denver residents. Customers get to choose the right coverage for them from a variety of insurance carriers. Its coverage options include MedPay, rental reimbursement and diminishing deductibles.

    • Address: 1735 E. 17th Ave., Ste. 3, Denver, CO 80218; Multiple locations
    • Phone: (303) 388-7216
    • Hours: M - Th: 8:30am - 4:30pm; F: 8:30am - 3pm
    • Website:
    A City Wide Auto Insurance Inc.

    A City Wide Auto Insurance Inc. offers instant auto insurance quotes through its website. The company accepts clients with almost any driving history, including foreign licenses and traffic violations. This family-owned insurance agency offers services in English and Spanish. A City Wide Auto Insurance has five convenient locations in Denver and representatives ready to answer any question you may have.

    • Address: 935 Federal Blvd., Denver, CO 80204; Multiple locations
    • Phone: (303) 996-6800
    • Hours: M - F: 9am - 6pm; Sat: 10am - 2pm
    • Website:
    C-M Car Insurance Denver CO

    At C-M Car Insurance Denver CO, customers can get quotes from multiple insurance providers to find the most affordable option. Because the company knows that cheap car insurance in Denver is rare, it’s dedicated to helping customers find coverage that keeps them protected but won’t break the bank.

    • Address: 9888 W. Belleview Ave., Ste. 2132, Denver, CO 80123; Multiple locations
    • Phone: (720) 605-3612
    • Hours: 24/7
    • Website:
    Square State Car Insurance

    Square State Insurance claims to save clients more than 50% off their insurance premiums. One way the company does this is by not charging overrides and fees. As an independent insurance agency and broker, Square State gets paid through the insurance carriers it works with. The company offers liability, collision, comprehensive and uninsured motorist coverage. It also helps customers with medical bills, rental car payments, gap insurance and roadside assistance.

    • Address: 1312 17th St., Ste.188, Denver, CO 80202
    • Phone: (720) 346-7873
    • Hours: M- F: 8am - 6pm; Sat-Sun: 9am - 3pm
    • Website:
    All Insurance Agency

    All Insurance Agency helps drivers who are looking to adjust their insurance policies. The company lets clients request insurance certificates and submit changes of address online. This family-owned and -operated company employs independent agents to help customers with property, liability, medical and uninsured motorist coverage.

    • Address: 67 Knox Court, Denver, CO 80219
    • Phone: (303) 935-3661
    • Hours: M - F: 9am - 5pm
    • Website:
    Insurance Group of Denver

    Insurance Group of Denver has a variety of car insurance options available. The company researches rates and policies using a mix of Denver insurance carriers, including Kemper Auto & Home, MetLife Auto & Home, Progressive, Safeco Insurance and Travelers. Customers can get quotes and proof of insurance on its website.

    • Address: 1776 S. Jackson St., Ste. 1006, Denver, CO 80210
    • Phone: (720) 436-1990
    • Hours: M - F: 9am - 5pm
    • Website:

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