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Car insurance in Denver

Shop around with our 4 best picks for car insurance, plus a few more to consider.

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Driving in Denver means navigating I-25 traffic, the city sprawl and a variety of weather conditions — making it important to choose a solid car insurance company and coverage. The best choice for you depends on individual factors like your exact car and mileage. To help you narrow down your options, we list our top car insurance picks as a starting point for shopping around.

4 best car insurance companies for Denver drivers

  1. Allstate: Best for low-mileage drivers
  2. Amica: Best for customer service
  3. Auto-Owners: Best regional company
  4. State Farm: Best overall

Best car insurance companies list for Denver drivers

Our car insurance experts chose top insurers that balance well-rounded coverage options, steep discounts to help drivers save and each company’s reputation in the Mile High City. See which companies made our list of best car insurance companies in Denver.

Best for low-mileage drivers: Allstate

Allstate

Finder rating 4 / 5 ★★★★★

Allstate Drivewise offers one of the steepest discounts for using its telematics program — up to 40% if you drive safely. The program uses the brand's main insurance app to track and score your driving. And you don't have to sacrifice coverage or customer service for cheaper premiums. The insurer weaves its usual coverage, discounts and solid reputation into its Drivewise program.

Best for customer service: Amica

Amica

Finder rating 4 / 5 ★★★★★

Amica consistently gets awarded for its top-tier customer service, and its solid coverage and steep discounts make it a top choice anywhere that it's available. As a mutual company, you can also choose a dividend policy that returns up to 20% of your annual premium if Amica makes a profit.

Best regional company: Auto-Owners

Auto-Owners

Finder rating 4 / 5 ★★★★★

Auto-Owners gets high marks for its customer satisfaction directly from customer reviews and top rating organizations like J.D. Power. You'll get balanced coverage options and discounts to help you save. Plus, Auto-Owners works through independent agents who aren't tied to one insurer, helping you find the right options for you.

Best overall: State Farm

State Farm

Finder rating 3.5 / 5 ★★★★★

If you're looking for a quality experience with local agents, State Farm has you covered with many agents to choose from in Denver. Get access to many coverage options, bundle with its other insurance policies and manage it all through State Farm's app that customers actually enjoy using.

How we chose these insurers

To find the best insurance companies in Denver, our experts considered both national and regional companies. We looked for a balance of wide coverage, high customer satisfaction and a variety of discounts to give drivers a chance to save. We also considered the customer ratings and reputation of each company in the Denver area.

State minimum car insurance requirements in Denver

You’ll need at least liability insurance to drive legally in Denver. However, we recommend buying add-ons to protect yourself, your car and other people on the road.

  • Bodily injury liability to cover injuries to others
  • Choose a limit of at least $25,000 for injuries to one person and $50,000 for injuries to multiple people. It kicks in if you cause an accident and injure other people involved.

  • Property damage liability if you damage someone else’s car or belongings
  • Keep a minimum of $15,000 in coverage in case of an at-fault accident. It pays for damage to personal property, like a car, cargo or fencing.

We recommend full coverage for Denver drivers

Having permission to legally drive isn’t the same as having enough car insurance to cushion a financial blow. In Denver, you have many reasons to consider add-ons like comprehensive, collision and personal injury protection.

Reason #1: Over 10% of Colorado’s fatal crashes happen in Denver

Colorado isn’t one of the states known for its high number of fatal crashes. But these serious accidents happen the most in Denver of all Colorado’s cities.

Keeping higher liability limits protects you in case you’re at fault for an accident that leads to injuries or death.

To compare, the state saw 544 fatal accidents in 2019, according to the National Highway Traffic Safety Administration’s (NHTSA) Fatality and Injury Reporting System Tool.

RankCity# of fatal accidents in 2019
1Denver57
2Colorado Springs39
3Aurora28
4Lakewood19
5Thornton13

Reason #2: Denver is a hotspot for car thefts, and they’re rising

Denver car owners experience over seven times more auto thefts than any other metropolitan area in Colorado. Colorado Springs is the second-highest hotspot in the state with 2,688 car thefts in 2020, according to the National Crime Insurance Bureau.

2018 Denver car thefts2019 Denver car thefts2020 Denver car thefts
14,84514,09321,112

Reason #3: Natural disasters are common in Denver

A variety of harsh weather and serious events make headlines in Colorado, and these natural disasters happen in Denver too. Comprehensive coverage takes care of damage resulting from these events.

Common natural disasters and weather events, according to the Colorado Hazard Mitigation
Plan:

  • Blizzards
  • Drought
  • Flooding
  • Hail
  • Landslides
  • Strong winds/Tornadoes
  • Wildfire

How to save on car insurance in Denver

Factors that affect your rates in Denver include how much you drive, your coverage and coverage limits and which insurance company you choose. Try saving in these areas to get the best dollar value.

  • Shop around. Denver drivers get wildly different rates based on the insurance company and individual factors like driving record, age and ZIP code.
  • Get advice from a local broker. Denver has many local brokers to choose from, such as the highly rated Square State Insurance. Choose based on your preference, word-of-mouth references or customer ratings online.
  • Choose ride- or bike-sharing over driving. If you live in Denver proper, opting to rideshare or use the city’s bike-sharing system can lower your driving mileage. Most insurers offer discounts for low mileage.
  • Raise your deductibles. You could whittle down your premium with higher deductibles on your coverage, such as a $1,000 deductible. But make sure you have the savings to cover it if you get in an accident.

Compare cheap car insurance in Denver

1 - 12 of 12
Name Product Gap insurance Homeowner discount Telematics Has an app? Available states
The Zebra
Yes
Yes
Yes
Yes
All 50 states
Progressive
loan/lease coverage
Yes
Snapshot
Yes
All 50 states & DC
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Pretected
Yes
Depends on provider
No
No
All 50 states
Get your most compatible insurance options via a "smart matching" method aimed at finding you value.
USAA
No
Yes
SafePilot
Yes
All 50 states & DC
Affordable car insurance with highly rated customer service. Only available to military members and veterans and their family.
Assurance
Yes
Yes
No
Yes
All states except AK & HI
This broker shines with over 600 positive customer reviews, more top ratings than any broker we've compared.
AARP Auto Insurance Program from The Hartford
Yes
Yes
TrueLane®
No
All 50 states
Enjoy low rates for mature drivers, plus perks like new car replacement and lifetime repair guarantees. Only for drivers over age 50.
Branch
Yes
No
Yes
Yes
AZ, CO, IL, IN, MD, MO, OH, OK, TX and WI
Benefit from this online-based startup’s steep savings and convenient online quotes and claims.
Quinstreet - Insure.com
Quinstreet - Insure.com
Yes
Depends on provider
Depends on provider
Depends on provider
All 50 states
Savvy
Yes
Depends on provider
No
Yes
All states & DC
Get quotes in 30-seconds from 100+ companies, and save an average of $800 or more per year. Requires online login to your existing insurance.
Liberty Mutual
Yes
Yes
RightTrack
Yes
All 50 states & DC
Earn free accident forgiveness after five years claims-free and customize your policy anytime.
Bankrate
Bankrate
Yes
Yes
Yes
Yes
All 50 states
Compare personalized rates from multiple insurance companies in one go. Plus, access a live agent for any questions along the way.
Allied
Yes
Yes
Nationwide SmartRide
No
AZ, CA, CO, DE, FL, GA, ID, IL, IN, IA, KS, MD, MI, MN, MO, MT, NE, NV, NM, NC, ND, OH, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI& WY
Finding the right auto insurance doesn’t have to be confusing. Allied Insurance has a network of independent agents to help you get customized coverage for your unique needs.
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Bottom line

Denver’s traffic and unexpected weather events can drive car insurance premiums higher than in other US cities. To keep premiums low, consider which benefits and types of coverage fit your situation. Then, compare several car insurance companies to make sure you’re getting the best value.

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