Your first stop to saving money on your Denver car insurance policy is here. Use our free car insurance form above to learn more about which companies are looking for Denver based drivers. Quick and easy, plus you’ll be saving money in no time.
Nevertheless, many Denver drivers are confused about where to talk to someone about insurance, or even how much insurance they’re required to carry. If that sounds like you, then you should keep reading to learn more about the various aspects of Denver and Colorado auto insurance.
Denver Car Insurance Agents
Denver Allstate Insurance Agents
Allstate relies on a whole army of insurance agents in Denver. Currently, you can find 29 agents in the city itself and dozens more in places like Aurora, Centennial, Lakewood, Englewood and Littleton.
Denver Farmers Insurance Agents
Farmers has over 50 agents within a 7 mile radius of downtown Denver. So chances are there is one near to you.
Denver Geico Insurance Agents
Surprisingly, Geico does not have any local insurance agents in Denver, but they do have an agent in nearby Aurora.
Denver Progressive Insurance Agents
Progressive does not have any of it’s own insurance agents in Denver, but they do work with about a dozen agencies who are authorized to give information about their various auto insurance plans.
Denver State Farm Insurance Agents
State Farm strongly relies on its network of local agents to answer questions and give auto insurance quotes. In Denver they have over 40 agents in the city itself, and dozens more across the state of Colorado.
If you do decide to purchase car insurance from an agent in Denver please make sure they are licensed. A quick Colorado producer/agency search will give you peace of mind.
Your insurance agency not listed? If you own an insurance agency that operates in Denver and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Average Denver Car Insurance Rates
According to car insurance quote website CarInsurance.com, Denver’s average auto insurance rates are about on par with the national average. Yet, they are substantially higher than the Colorado state average. In 2011 average rates for Denver were reported to be $1,439 per year, about $75 a year less than the US national average, but over $400 more per year than the typical Colorado insurance rate.
Thus you need to take advantage of online car insurance quotes, if you want to have any hope of doing better than average.
Denver, CO Driving Information
Denver has many traffic issues, but fortunately is not as prone to accidents when compared to many other similarly sized cities. According to the INRIX National Traffic Scorecard, Denver has the 16th worst traffic congestion in the country. However, only the I-25 ranks in the top 100 of the worst traffic corridors in the country.
So the bad news is that there is a lot of traffic. The good news is that on average Denver is relatively safe city to drive in. Allstate’s America’s Best Drivers Report™, claims that the city is below the national average when it comes to accidents. As a Denver driver you can expect to drive for 10.2 years between accidents on average. 1.8% less than the US average accident rate.
Better yet, Denver county has a lower than average fatality rate when it comes to accidents according to the National Highway Traffic Safety Administration. In 2009 there were 36 road deaths in the county, still a lot, but 10 fewer than the year before. To stay safe make sure you check out Denver traffic and road conditions before you begin your drive.
Colorado Insurance Laws
There is a minimum amount of coverage required by the state of Colorado, which also applies to Denver drivers and car owners. It is called 25/50/15 coverage. It specifically means that a minimum limit of $25,000 for bodily injury liability is required per injured person up to a limit of $50,000 per accident. This is on top of a property damage liability with a minimum required amount of $15,000. Finally, you also need to purchase $5,000 worth of Med-Pay insurance coverage.
You should be aware that Colorado follows the Tort system, wherein if you’re the one at fault for a vehicular accident, you and your car insurance company are responsible for the damages brought about by the incident. This is why you have to purchase liability insurance. Accidents cost far too much for the average person to pay out-of-pocket. Insurance protects you and everyone else on the road.
Besides these two major points there are many other important things you need to know. That is why you need to ask a licensed Denver or Colorado based insurance agent (see section above) and/or the Colorado Division of Insurance (see links below). They are the only entities that are legally allowed to give you advice about your Denver insurance needs.
Finding The Right Denver Car Insurance Quote
A car is a necessity in Denver, because it gives you the freedom to move at your own pace and leisure. Of course, you can wait for buses and other modes of public transportation, but that won’t really do if you have a fast-paced lifestyle. But owning a car requires you to get Denver car insurance, something that could help you, if ever you get involved in a vehicular accident in your insured car. Before you get your car insured, you first need to know the required insurance coverage for your area (see above).
In order to arrive at the best deals for Denver car insurance, you can shop around for a good auto insurance quote. You can compare auto insurance rates first before settling for any given company. There are a lot of instant auto insurance quotes available online, so you really don’t have to leave your home to apply for one. In fact, just fill in this form to begin your search: