Denver, CO Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Denver, CO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Factors that can influence the cost of car insurance in Denver, CO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Denver, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Denver, CO with that of other cities in and around Denver.

	Denver	Welby	Derby	Twin Lakes	Holly Hills	North Washington
Average Insurance Rates	$1,306	$1,745	$1,722	$1,775	$1,869	$1,869

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Denver, CO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Denver, CO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Denver County	$1,902	$1,607
Denver	$1,319	$1,114
Glendale	$1,340	$1,132
Derby	$1,436	$1,213
North Washington	$1,925	$1,626
Holly Hills	$1,318	$1,114
Welby	$1,838	$1,552
Twin Lakes	$3,007	$2,540

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Denver, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Denver, CO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$4,238
20 Years	$1,678
30 Years	$1,293
40 Years	$1,244
50 Years	$1,152
60 Years	$1,168
70 Years	$1,359

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Denver, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Denver, CO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$2,246	$366
3 Vehicles	$3,369	$549
4 Vehicles	$4,493	$731

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Denver, CO Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Denver, CO.

Location	Average Insurance Cost	Post DUI Insurance Rate
Denver County	$1,281	$1,936
Denver	$1,306	$1,974
Glendale	$1,752	$2,648
Derby	$1,722	$2,603
North Washington	$1,869	$2,825
Holly Hills	$1,869	$2,825
Welby	$1,745	$2,638
Twin Lakes	$1,775	$2,683

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Denver, CO Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,121
Excellent (740-799)	$1,279
Good (670-739)	$1,361
Average (580-669)	$1,775
Poor (300-579)	$2,130

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Denver, CO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$57	$1,363
Driver's Failure In Showing Documents	+$127	$1,433
Driving With An Expired Registration	+$135	$1,441
Driving At A Considerably Slow Pace	+$283	$1,589
Using A Cellphone While Driving	+$299	$1,605
Running A Red Light	+$304	$1,610
Speeding	+$320	$1,626
Driving A Vehicle Without The Required Permission	+$406	$1,712
Driving With An Expired/Suspended License	+$880	$2,186

Denver, CO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,254
Active Disabling Device	$1,254
Tracking Device	$1,228
Passive Disabling Device	$1,215

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Latest Auto Insurance Reviews in Denver, CO | Back to Top