What is the minimum car insurance requirement in Colorado?

Colorado requires minimum liability insurance of 25/50/15: $25,000 per person bodily injury, $50,000 per accident bodily injury, and $15,000 property damage.

Why is Denver auto insurance often higher than other Colorado areas?

Denver can price higher because of urban claim frequency, theft risk, traffic density, and higher repair costs. Your vehicle, ZIP code, credit, and driving record also impact the premium.

How do the charts on this page get built?

The charts are owned by A Plus Insurance and built from current incoming 2026 customers in Colorado who request quotes and purchase auto insurance. This keeps pricing guidance tied to real activity instead of generic national averages.

Is liability only always the cheapest option?

Liability only usually lowers the monthly price, but the cheapest option is the one you qualify for with your driver record, credit, vehicle, and ZIP code. For many drivers, adjusting deductible and limits can improve value without jumping to minimum coverage.

Denver Colorado Car Insurance Quotes 2026 | Cheap Rates, Liability Only or Full Coverage

Compare Denver car insurance rates for 2026 across multiple insurance companies, including liability only and full coverage. See how price changes by driver, vehicle, credit, ZIP code, violations, accidents, DUI, and SR22 insurance requirements, with guidance based on current Colorado auto quoting activity.

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Denver Car Insurance 2026 Overview

This page summarizes Denver, Colorado auto insurance pricing for 2026, including minimum liability insurance requirements (25/50/15), typical monthly rates for liability only vs full coverage, and which insurance companies tend to price cheaper for Denver drivers. The charts on this page are owned by A Plus Insurance and are built from current incoming 2026 customers requesting quotes and purchasing auto insurance, so the information read reflects real-market activity in this state.

Who this is for

Denver drivers comparing insurance rates across companies, choosing liability insurance vs full coverage, or dealing with high risk situations like violations, accidents, DUI, or SR22 insurance.

Broker comparison

A Plus Insurance is an independent brokerage. We compare policies across insurance companies instead of showing a single carrier price. This helps owners and drivers see the real price range for the same coverage.

Data on this page

The charts are owned by us and built from current incoming 2026 customers in Colorado who are requesting quotes and purchasing auto insurance. We refresh pricing trends month by month as new quotes arrive.

Colorado Minimum Car Insurance Requirements in 2026

Colorado law requires liability insurance at 25/50/15 to drive in this state, including Denver. These limits impact both compliance and how much financial protection a policy actually provides after an accident.

$25,000 bodily injury per person
$50,000 bodily injury per accident
$15,000 property damage per accident

Many Denver drivers choose higher limits, especially if they have assets, higher income, or a newer vehicle. A higher premium can still be cheaper than being underinsured after a serious loss.

Average Cost of Car Insurance in Denver, Colorado 2026

Denver pricing is often higher than many Colorado areas due to claim frequency, congestion, theft risk, and repair costs. Your insurance rates still vary by driver, vehicle, credit, ZIP code, coverage limits, deductible, and prior insurance history.

Full coverage: $2,500 – $3,600 per year (about $208–$300 per month)
Minimum liability only: $900 – $1,400 per year (about $75–$117 per month)

The chart below shows the typical price gap between full coverage and liability only based on current Denver-area quoting trends.

Cheapest Auto Insurance Companies in Denver, Colorado 2026

If you are shopping liability only, full coverage, non owners, or need SR22 insurance after a DUI, focus on clean comparisons and policy choices (limits and deductible) rather than guessing a carrier.

Why Denver Insurance Rates Move So Much

ZIP code and loss trends

Denver ZIP code pricing can shift rates due to claim frequency, theft patterns, and repair costs.

Weather risk and comprehensive

Colorado hail losses can influence premiums. Comprehensive and collision choices often explain big parts of the full coverage premium.

Credit, lapse, and prior insurance

Credit and prior insurance history can affect pricing. A lapse can raise the premium even without a new violation.

Driver record and filings

Violations, accidents, DUI, and SR22 insurance requirements can change which company is cheapest and how the policy is structured.

How Denver Drivers Lower Their Monthly Premium

If you want cheaper rates, the most reliable approach is comparing and then adjusting policy structure. This is where a broker comparison often beats going direct to one company.

Compare insurance companies using the same coverage limits and deductible
Ask about discounts, including multi policy and telematics programs like snapshot
Review liability limits and uninsured motorist options for realistic risk
Set a deductible that matches what you can pay without stress
Re-shop after changes like a new vehicle, address, or improved credit

For some drivers, the cheapest plan is liability only. For others, the best value is full coverage with a balanced deductible. The charts above show the price gap so decisions feel grounded.

Frequently Asked Questions

Last Updated on February 5, 2026 by Shawn Christie