Denver Car Insurance (CO)

Denver, Colorado has a population of 557,917 and the area's drivers pay an average auto insurance premium of $1,074 - just slightly above the national average of $914.

Driving in Denver, Colorado

Most people spend about 25 minutes on the road on the way to work and another 25 minutes on the road on the way home; which means there are many opportunities for accidents! In fact, in 2004 there were 51 fatal crashes that involved 74 cars and 130 people. Believe it or not, while it's common to believe that speed is a major factor in accidents, most Denver accidents with fatalities involved car speeds of just 30 miles per hour.

Get a free Denver car insurance quote today >>

Ways to Save Money on Your Denver Car Insurance

There are many factors that are used to calculate a Denver car insurance premium, from where you live to the type of car you drive and your experience and driving record. Younger drivers have higher premiums, while more experienced drivers pose less of a risk (unless they've been in several accidents!) Selecting vehicles that are often stolen will cause your auto insurance premium to be higher than if you select a lower risk vehicle on the theft scale. In 2004, there were over 7,500 car thefts in Denver and the immediate surrounding areas. Avoid cars from the following list of the ten most commonly stolen cars in Denver for lower insurance premiums:

1. 1996 Honda Accord
2. 2000 Honda Civic
3. 1993 Jeep Cherokee/Grand Cherokee
4. 1989 Toyota Camry
5. 1995 Saturn SL
6. 1995 Dodge Neon
7. 1995 Acura Integra
8. 1994 Chevrolet Full Size C/K 1500 Pickup
9. 2001 Dodge Ram Pickup
10. 1996 Ford Explorer

Car Insurance Requirements in Denver, CO

Driving in Denver means you are required to have the minimum insurance coverage of $25,000 per person and $50,000 per accident in Bodily Injury and $15,000 per accident for Property Damage coverage, although higher limits may be recommended based on the car you drive.

Request a car insurance quote for Denver, CO >>