Car Insurance in Denver
These numbers were refreshed on
Denver car insurance rests on Colorado averages, plus the way people there drive.
- $153Colorado monthly average for full coverage.
- 25/50/15. the state minimum limits.
What Denver area drivers pay
In Colorado, full coverage averages $1,835 a year, while the legal minimum averages $831. Big city prices tend to sit above the state average, because of heavier traffic, more claims and more theft.
| Coverage in Colorado | Per year | Per month |
|---|---|---|
| Liability | $831 | $69 |
| Collision | $483 | $40 |
| Comprehensive | $521 | $43 |
| Full coverage (all three) | $1,835 | $153 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Denver price quotes
Single male, age 25, principal operator, under 10 miles to work one way, clean record, 15,000 mi/yr, 2019 Toyota Camry LE, 25/50/15 + comp/coll $1,000 ded.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | Tesla Property & Casualty, Inc. | $1,898 | $158 |
| 2 | Progressive | $2,084 | $174 |
| 3 | Toggle Insurance Company | $2,216 | $185 |
| 4 | Noblr Reciprocal Exchange | $2,428 | $202 |
| 5 | Integon National Insurance Company | $2,520 | $210 |
| 6 | Horace Mann Insurance Company | $2,672 | $223 |
| 7 | USAA | $2,828 | $236 |
| 8 | American Family Insurance | $2,858 | $238 |
Source: Colorado Division of Insurance (DORA): Auto Insurance Premiums Report (Ins_Survey_Reports, AUTO).
Denver driving
| Census figure | Denver |
|---|---|
| People | 718,877 |
| Average trip to work | 25 minutes |
| Drive to work alone | 56% |
| Homes with no car | 10% |
| Median household income | $94,718 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
Your personal estimate
The Colorado calculator works out a price from your age, record and car. You can find the state's rules under Colorado car insurance requirements.
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