1. Home
  2. Denver Car Insurance

Find the Best Car Insurance Companies in Denver, CO

Like most states, car insurance is required to drive in Colorado. While 300 days of sunshine make Colorado a great place to live, the ever-changing weather can wreak havoc on your car. Winter brings icy roads, and hail the size of golf balls can rain down in spring. We researched the best car insurance in Denver, consider these companies that offer complete policies and have knowledge of the local market.

Take an Extended Auto Warranty Quiz

Get matched with an Authorized Partner

Compare Top Car Insurance

Overall satisfaction rating
  • Quotes from local agents and top car insurance companies
  • Compare the lowest rates
  • Fast and free for all driving records
  • Available in Denver
Compare Quotes Read More
Overall satisfaction rating
  • Bundle & save policies
  • Discounts: multi-policy, teen driver and more
  • Snapshot program
  • Name your price tool

See car insurance within your budget with the Name Your Price tool. Get a personalized rate based on your driving with Snapshot. 99% of drivers earn at least one of multiple discounts. Insures over 20 million drivers.

Compare Quotes Read More
Liberty Mutual
Overall satisfaction rating
  • 12-month rate guarantee
  • Accident forgiveness
  • Deductible savings fund
  • Bundle & save policies

Customizes car insurance so you pay only for what you need. Has add-ons for new vehicle replacement, accident forgiveness and deductible savings. Over 15 types of discounts. Use the app to get ID cards, pay a bill or file a claim.

Compare Quotes Read More
The General
  • 50+ years of service
  • Accepts drivers with a poor driving history
  • Purchase policy online
  • Free, online quote
Read More
L.A. Insurance
  • Individuals & commercial
  • Provide 15 carrier quotes
  • SR22 & DUI insurance
  • Renters insurance
2684 S. Broadway
Denver, CO 80210
(800) 893-9393
A Plus Insurance
  • Independent agents
  • Locally owned
  • SR22 insurance
  • Motorcycle insurace
3773 Cherry Creek N. Dr., Ste. 575
Denver, CO 80209
(303) 355-2337
Allstate Insurance Agent: Denise Hoffman
  • M-Th: 8am - 5pm
  • F: 8am - 4pm
  • Closed Sat and Sun
  • agents.allstate.com
535 16th St., Ste. 350
Denver, CO 80202
(303) 628-0554
All Drivers Insurance
  • M-F: 9am - 7pm
  • Sat: 10am - 2pm
  • Closed Sun
  • alldriversinsurance.com
3880 W. 38th Ave.
Denver, CO 80211
(303) 433-3379
Premier Group Insurance
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • thinkpremierfirst.com
600 17th St., Ste. 1425N
Denver, CO 80202
(720) 457-1101
Lightship Insurancee
  • M-F: 8am - 6pm
  • Closed Sat and Sun
  • lightshipinsurance.com
1650 Franklin St.
Denver, CO 80218
(303) 292-9995
State Farm Insurance Agent: Stephanie Sponder
  • M-F: 9am - 5pm
  • Sat: by apptointment only
  • Closed Sun
  • myagentsteph.com
667 E. 19th Ave.
Denver, CO 80203
(303) 744-0757
Car Insurance Denver
  • Open 24 hours
  • alluscarinsurance.com
9888 W. Belleview Ave., Ste. 2132
Denver, CO 80123
(720) 709-2953
Farmers Insurance Agent: James Lundin
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • agents.farmers.com/co/denver/james-lundin
1490 N. Lafayette St., Ste. 302b
Denver, CO 80218
(303) 433-4542
Denver Insurance
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • denverinsuranceteam.com
1127 Auraria Pkwy., Ste. 22
Denver, CO 80204
(720) 446-5566
Aspen Insurance Agency
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • aspeninsuranceagency.com
1315 S. Clayton St., Ste. 100
Denver, CO 80210
(303) 777-2991
American Family Insurance Agent: Matthew Ditzenberger
  • M-Th: 9am - 5pm
  • F: 9am - 4pm
  • Closed Sat and Sun
  • agent.amfam.com/matthew-ditzenberger
1485 S. Colorado Blvd., Ste. 200
Denver, CO 80222
(303) 756-8038
Dagley Insurance
  • M-F: 7:30am - 5pm
  • Sat: 8:30am - 12pm
  • Closed Sun
  • dagleyins.com
2055 S. Federal Blvd.
Denver, CO 80219
(303) 975-1229
Vela Insurance Agency
  • M-F: 8:30am - 5:30pm
  • Closed Sat and Sun
  • velainsures.com
5285 W. Louisiana Ave.
Lakewood, CO 80232
(720) 550-6527

How to choose a car insurance company in Denver

denver skyline

The average cost of car insurance in Denver is $1,562 per year. Rates vary depending on where the insurer resides. Some of Denver's highest annual rates by ZIP code are below.

  • 80219 – $1,680
  • 80223 – $1,676
  • 80246 – $1,666
  • 80230 – $1,664

Here are some of the lowest annual rates:

  • 80521 (Fort Collins) – $1,196
  • 80535 (Laporte) – $1,201
  • 80537 (Campion) – $1,203
  • 80525 (Fort Collins) – $1,209

Check out average rates for surrounding cities:

  • Louisville: $1,297
  • Longmont: $1,277
  • Niwot: $1,390
  • Northglenn: $1,463
  • Parker: $1,381

Even the lowest rates in Colorado are still higher than the national average rate, which is about $900 per year for coverage. In fact, Colorado's insurance premiums rose at the third-fastest rate throughout the United States in recent years. Insurance experts say Colorado insurance rates are rising with the large number of people relocating to Colorado and the corresponding increase in claims being filed.

Also, Colorado ranks in the top five states for increasing collision claim costs, and CDOT reports that fatal crashes rose 24 percent over recent years. Finally, another factor in higher insurance rates is that Colorado is one of the states with the highest hailstorm claims.

Car insurance coverage requirements in Denver

Colorado drivers must carry liability insurance, which covers only the other car and driver when an accident is your fault. Colorado drivers must have liability coverage at these minimums:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury
  • $15,000 per accident for property damage

Proof of car insurance is also required to register your vehicle or to renew registration. For more tips on what to look for in car insurance in Denver, the Colorado Department of Regulatory Agencies maintains useful resources.

Denver Car Insurance Reviews


Denver customers loved how easily they got a rental vehicle while their car was repaired, especially when repairs took longer than anticipated. Progressive offers discounts for being a good student age 22 and younger, setting up automatic payments, paying a premium in full, opting for paperless document delivery and having multiple policies.

Progressive Compare Quotes

Liberty Mutual

Denver customers reported great communication with Liberty Mutual. There are exclusive Colorado savings for college alumni, such as University of Colorado and Colorado State University. Liberty Mutual offers discounts for drivers of hybrid vehicles, good students 25 years old and younger, new graduates, newly married couples and recent retirees.

Liberty Mutual Compare Quotes

The General

While offices for The General are not in Colorado, coverage is available to residents. Customers say they love getting covered even with previous accidents on their driving record. The General offers budget-sensitive payment plans. The company also gives coverage for drivers with a history of accidents, driving violations and less than perfect credit.

The General

L.A. Insurance

L.A. Insurance is a Denver-based, walk-in insurance company that provides excellent customer service. Their goal is to provide insurance coverage that meets each individual’s situation. Satisfied Denver customers say they experienced fast, efficient service at L.A. Insurance from knowledgeable, friendly staff.

L.A. Insurance

A Plus Insurance

The owners of A Plus Insurance are Colorado natives who understand the unique road conditions of the state. They offer a no pressure approach and low rates. Denver customers praised A Plus Insurance for reasonable rates, personalized service and friendly customer service.

A Plus Insurance