Denver, CO
Cheap Car Insurance in Denver
Denver drivers pay an average of $2,070/year for auto insurance — 15% above the Colorado state average. Compare quotes and save.
Why Denver drivers pay more
Hail is the single biggest premium driver in metro Denver. Across Colorado, the average annual premium is $1,800; Denver comes in at about $2,070 — 15% above the state benchmark.
Premiums vary widely within Denver based on ZIP code, vehicle, age, credit (where allowed), and driving record. Urban ZIPs typically pay 20-40% more than suburban ones in the same metro area.
5 ways to lower your Denver car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10-25% discount).
- Ask about telematics/usage-based discounts (10-30% if you drive carefully).
- Consider your ZIP — moving even one ZIP over in Denver can shift your premium 10-20%.