Cheap Car Insurance in Denver, Colorado

Looking to learn more about Denver and how you can get cheap car insurance? Well, Colorado's largest city and capital, Denver has a population of 634,265 as of the 2012 census estimate. Nicknamed the mile-high city, annual snowfall and mountainous terrain contribute to natural driving hazards. Which is why we'll make sure you have to proper car insurance coverage.

Cheap Car Insurance will compare auto insurance for you in Denver, Colorado. We will make sure to get you the best car insurance rates in town.

Driving Conditions & Hazards in Denver

Located exactly one mile above sea level, Denver includes mountainous terrain and snow. Low visibility in snow or rainfall can make it difficult to see oncoming traffic. Drivers must take precautions to drive safer under these conditions.

Odd or Unique Laws in Denver

Denver encourages the use of bicycles as a means of transportation. Recent legislation created a program for residents to share bicycles. Denver includes many bike paths and workers who commute via cycling. Another unique law, Colorado passed legislation in November of 2000 legalizing medical marijuana. With over 60,000 registered users in Denver, it is one of a handful of U.S. cities to include legal marijuana dispensaries. Internet rumors also claim Denver bans owners of black cars from driving on Sundays. However, no state law or official source confirms this urban myth.

Crime Rates in Denver

Auto theft is a major concern inside the city. According to FBI statistics, the city has the highest incidents per capita in the entire state. Deaths due to drunk driving are also higher inside the city. Based on the Colorado Dept. of Transportation statistics for 2012, more than half of fatalities (57.6 percent) were alcohol related. While there were only 33 auto fatalities in 2012, 19 involving alcohol, those numbers don't reflect drivers injured or hospitalized.

Safety Requirements in Denver

Seat Belt Law

An adult driver or front-seat passenger must wear a seat belt in Colorado. Violating this law can result in a fine of at least $65.

Regarding children riding in vehicles, the law is more complex, according to the Colorado State Patrol:

  • A child must ride in a rear-facing child safety seat until he or she is at least 1 year old and weighs at least 20 pounds.
  • A child 1 to 4 weighing 20 to 40 pounds must ride in a forward-facing or rear-facing child safety seat.
  • A child at least 4 and weighing over 40 pounds must ride in a child booster seat or be restrained with a child safety belt-positioning device. All children must ride in booster seats until age 8.
  • A child who is at least 8 must be properly restrained with a seat belt or child restraint system.

A driver found responsible for not properly restraining a child in a car can be fined at least $82.

Distracted Driving Law

State law prohibits texting while driving. A first-time offender can be slapped with a $300 fine. In addition, a driver under 18 cannot use a cellphone.

Helmet Law

Motorcycle operators and passengers 18 and over do not have to wear helmets, but use of a helmet by an operator or passenger under 18 is required.

In Colorado, bicyclists are not required to wear helmets.

Driving Under the Influence (DUI) Laws

Colorado’s impaired driving law covers two crimes: DUI (driving under the influence) and DWAI (driving while ability impaired). With a DUI, the legal limit for blood alcohol concentration (BAC) for a driver 21 and over is 0.08 percent; it’s 0.02 percent for a driver under 21. For DWAI, the BAC limit is 0.05 percent.

A first-time DUI offender faces a nine-month loss of his or her driver’s license, a fine of up to $1,000, a jail term of up to one year and up to 96 hours of community service. A first-time DWAI offender can be hit with 8 points put toward suspension of a driver’s license, a fine of up to $500, a jail term of up to 180 days and up to 48 hours of community service.


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  • Chris Cruz Insurance Agency


    Chris Cruz
    Chris has over 20 years of insurance experience. We like to have fun, but we are serious about the protection we offer! Located in the plaza behind front room pizza.

    What makes your specific agency stand out from your competition?
    We believe everyone should have the confidence that comes from knowing everything they value is fully protected.

    • Referral Program

      Good Student Discount

      Safe Driver Discount

      Accident Free Discount

      New/youthful Driver Discount

      Multi-line (bundling) Discount

    • Colorado Property & Casualty

    • 428354

    13701 W Jewell Ave., Suite 109
    Denver, CO 80228
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  • A + Insurance


    We shop multiple companies to find the best auto / car / home / motorcycle insurance rates for you. Serving denver and the entire state of colorado.

    What makes your specific agency stand out from your competition?
    Our superior use of automation sets us apart. We shop multiple companies to find the best auto / car / home / motorcycle insurance rates for you. Serving denver and the entire state of colorado

    • Married Discount

      Violation Free Discount

      Free Quotes

    • Resident

    • 95007

    3773 Cherry Creek N Dr # 575
    Denver, CO 80210
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  • Aaa Insurance


    4100 E Arkansas Ave
    Denver, CO 80222
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    Another great experience at AAA. I got an International driver's licence and the whole process took less than 15 minutes. I've been a AAA member for over 25 years and I have only positive things to say about their staff, their service and their reliability.

    I have used the disabled several times with my classic car. Always taken care of within a reasonable time and courteously. I also used the travel service for the first time in the 8 years I have been a member and I must say it was done professionally and with the many changes we had to make there was no problem what so ever. It's a terrific organization.

  • All Insurance Agency


    67 Knox Ct
    Denver, CO 80219
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    I have been a customer of All Insurance for well over 10 years. I have always been pleased with the level of customer service i have received. They go through several different insurance companies including progressive, so they can shop around and find you the best price. I have even gotten a call from them, out of the blue, telling me that they thought they could get me a lower rate if i switched providers. If thats not customer service, i don't know what is. I could not be happier with the service they provide.

  • Chris A Weatherman


    9150 W Jewell Ave
    Denver, CO 80232
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    Gary Kelley and his staff are true insurance professionals. They educated me about auto insurance coverage and saved me money. When I filed a claim, they were there start to finish.

    Avoid this place like the plague.

    His staff made a lot of errors on my policies when I transferred them from out of state, which caused a tangled web of billing problems (now even 6 months after transferring). My new agent now has to clean up Chris Weatherman's agency's messes.

  • Colorado Insurance Professionals


    2241 S Peoria St Ste 209
    Denver, CO 80014
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    CO Ins. Professionals has been an excellent insurer for us. We have been with them several years because they are customer orientated, accommodating and very professional, and most especially tuned into our particular needs. Working with Chelsea, she finds the best insurance rates and coverage for us. They are always cordial and friendly, we?re glad we found them.

  • Denise Hoffman


    535 16th St Ste 210
    Denver, CO 80202
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    I called this agency for a quote and they were extremely helpful. They didnt just get my info and give me a number. They took the time to go over the coverages, explain what everything covered and even offered recomendations to better cover me. The price was about $6 more a month but I switched anyway as I know I will always get the service I deserve. Heather is awesome!!!

    This agency is great! Heather made my move to Denver so easy. Thanks Brenda

  • Floyd Hinson Insurance Agency


    875 S Colorado Blvd Ste 205
    Denver, CO 80246
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    I used to work for Floyd Hinson, where I saw first hand from the inside the consistently honorable and pleasant way Floyd and his staff treated their customers. He had a very high retention rate--I saw all the continuing files versus the few that moved away or something.
    Floyd continually impressed me with his sophisticated knowledge of his industry and all around decency, so one year, his birthday my co-worker and I gave him a "Consistently Honorable Boss" plaque. You can;t jbuy that kind of award!

  • Happy Days Insurance


    2801 W 92nd Ave
    Denver, CO 80260
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    The insurance agent is Nicole Francisco. The worst agent possible. Started a

  • Henry Ham Insurance Agency


    645 E Evans Ave
    Denver, CO 80210
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    Don't buy insurance threw Henry Ham Agency. They are a bunch of liars, they don't do what they say there going to do. Cost my company thousands of dollars. Warning

  • Jack V Downing


    1600 Stout St Ste 270
    Denver, CO 80202
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    I have been a client of Jack Downing for many years.. I have auto, homeowners and life insurance through his office. Jack and his staff are available, responsive, and seem to always be looking out for my best interests. They are knowledgeable and take the time to answer all of my questions. I highly recommend Jack Downing and his team for all of your insurance needs.

    Jack Downing is a great agent. I have been a client for over 12 years now and would never consider using another agent in Denver. Jack has handled my car, home, and life insurance and has never let me down in handling my claims. GREAT GUY!

  • Kara Hucke


    10465 Melody Dr Ste 323
    Denver, CO 80234
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    Rude Rude Rude. I can not believe the way she spoke to my wife over the phone when we merely had a few questions about our claim. Changed Insurance companies solely on her attitude.

    Bring a Lawyer with you if you ever need to file a claim. And expect to be treated like crap by Ms Hucke. She acts like she has to pay the claim out of her pocket. All State no has the worst bad faith claims of any company. Go with someone else.

  • Member Lending Financial Services


    4610 S Ulster St Ste 300
    Denver, CO 80237
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    I'm so glad that I met Geoffrey Geever! He handled my business tax issues like a champ and even helped me get my business licence. His tax advice was very reassuring. A pleasantly comfortable experience! Not only do I recommend Unique Accounting, but I will continue to use them in the future. Thanks Geoffrey!

    Unique Actg did a great job. They charged a flat fee which was agreed up front rather than billing hourly and having it be a surprise. The reps are professional and courteous and kept me in the loop on which issues to watch for. A+

  • Roger Francis


    4800 Happy Canyon Rd Ste 260
    Denver, CO 80237
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    Roger's service is phenomenal! Always there for you, returns calls promptly, explains insurance so it is easy to understand. He is the best insurance agent I have ever had!

    If I could rate zero stars, I would. The staff was either completely incompetent or purposesly withheld information concerning my policy and service issues that arose. Robert Francis didn't step in to help, but perpetuated the continued confusion and frustration. He's either incompetent, unethical or directs his staff to be so too. Don't waste your time trying to talk to them, just google the Allstate corporate service line and speak to them. So much for being in Good Hands.

  • Ron Roberts


    2696 S Colorado Blvd Ste 320
    Denver, CO 80222
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    Great all around perfectionist and plasterer. I refer him whenever someone is seeking an honest and hard working plastering contractor.

  • Tammy Booth-myers Insurance Agency


    1533 Williams St
    Denver, CO 80218
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    I too disagree with Cordeil Pierce. My mother and I have been clients of Tammy's since I was a young child. All of my cars have been covered by Tammy.

    When I left the nest for college I moved over to another insurance company for a short while...I was not impressed and quickly moved back to Tammy and her team!

    I am always impressed by the level of professionalism as well as interpersonal relationships Tammy and her team give me and my mother.

    I would highly recommend Tammy Booth-Myers to anyone looking for insurance in the Denver area.

    I too disagree with Cordeil Pierce. My mother and I have been clients of Tammy's since I was a young child. All of my cars have been covered by Tammy.nnWhen I left the nest for college I moved over to another insurance company for a short while...I was not impressed and quickly moved back to Tammy and her team!nnI am always impressed by the level of professionalism as well as interpersonal relationships Tammy and her team give me and my mother.nnI would highly recommend Tammy Booth-Myers to anyone looking for insurance in the Denver area.

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Did you know ?

Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

Savings Tip

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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