Auto Insurance - Denver, Colorado


Auto Insurance - Denver, Colorado

With so many companies offering car insurance in Colorado, how do you choose the auto insurance that's best for you? When deciding on an insurance company, there are many factors to consider, such as your personal lifestyle and even your other insurance needs.

The Mile High City has much to offer its residents - from the Denver Performing Arts Complex and many museums to several professional sports teams, from the high-end shopping and dining in Cherry Creek to the Rocky Mountains themselves. Residents need automobile transportation to do and see it all, but you also need auto insurance coverage that protects you. Allstate offers a wide variety of auto insurance options for drivers in Denver, as well as other products like homeowners insurance and life insurance.

Colorado Auto Insurance Requirements

The state of Colorado requires minimum auto insurance coverage levels. However, in January 2008, the Colorado State Legislature passed a law that required the expansion of Uninsured/Underinsured Motorist Coverage. Although not everyone will see a difference in their coverage changes, it's still a good idea to review your policy with your Allstate agent.

Another recent change, as of 2009, is that Colorado insurers are required to offer you $5,000 in Medical Payments Coverage. If you decide you don't want the coverage, you must opt out or the coverage and premium will be automatically added.

The chart below provides information about Colorado-required coverage levels and the most common car insurance coverages.

Coverage Scale
Coverage Colorado Minimum Requirements Most Common
Colorado Drivers**
Bodily Injury Liability 25,000/50,000* 100,000/300,000*
Property Damage Liability 15,000 100,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000*
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible
*Understanding the table: XX/XX = bodily injury or death of one person in any one accident/bodily injury or death or two or more persons in any one accident.
**Coverage limits/deductibles identified as "most common" in the chart above are the most popular limits/deductibles by Allstate Insurance Company policyholders in Illinois. Please note state minimums may change from time to time. Check with your state if you have additional questions about current state minimums.
For more information about Denver auto insurance coverage levels and the recent changes, or to get an auto insurance quote, contact your local Allstate agent.

Colorado Auto Insurance Discounts

Once you know the amount of auto insurance coverage you need in Colorado, take a few minutes to learn about the types of auto insurance discounts that might be available to you. Allstate offers discounts for safe drivers, good students, those who carry multiple policies with Allstate, and more. Contact your Allstate agent to learn more.

What's Happening in Denver

The Denver metropolitan area covers 72 different zip codes ranging from 80201 to 80299, including Aurora, Parker, and Wheat Ridge. Some of the most common claims reported in the Denver metropolitan area include:

Common Claims
Type of Claim Average Cost per Claim
Wind $3,674
Theft/Burglary $2,371
Hail $7,709
Physical Damage $4,216
Fire $336,834
Considering the high incidence of hail and theft claims, you should talk with your Allstate agent to help ensure you have the right amount of coverage for your auto and property. Your agent can provide insurance quotes on a range of products including homeowners insurance and life insurance. To learn more about the types of insurance claims frequently filed in Denver and the surrounding area, use our Common & Costly Claims tool.

Colorado Graduated Driver Licensing

Teenagers tend to be a high-risk group when it comes to driving. 25 percent of 16-year old drivers either receive a ticket or are involved in a traffic accident during their first year of driving.

Because of the high risk that teen drivers pose, on July 1, 1999, Colorado adopted a Graduated Drivers License (GDL) law. This law is intended to gradually introduce teens to driving in an effort to reduce vehicle-related deaths among teens. The following table outlines the GDL requirements and restrictions for Colorado.

Graduated Driver Licensing (GDL)
Insurance Institute for Highway Safety Rating Good
Minimum Entry Age
(Optimal: 16)
15 years
Extended Learner Period
(Optimal: at least 6 months)
12 months
Parent Certification
(Optimal: 30 hours minimal)
50 hours, 10 of which must be at night
Night Restriction
(Optimal: 9 or 10 p.m.)
Midnight to 5:00am secondary enforcement
Passenger Restriction
(Family members excepted unless otherwise noted)
First 6 months: no passengers
Second 6 months: no more than 1 passenger secondary enforcement
Minimum Exit Age
(Optimal: 18)
17
Allstate wants to help ensure that your teen learns safe driving habits right from the start. That's why we implemented the Allstate Teen Driver program.

Denver, Colorado Profile

Allstate Insurance in Denver, Colorado Insurance rates can be influenced by factors such as whether you own or rent your home, and whether you have multiple insurance policies with the same carrier. When reviewing your insurance needs and policies, you may also want to consider some of the US Census Data that comprises Denver's profile:

Some Great Facts About Denver
Item Statistic
Median HH Income: $45,501
Education: 40.1% have a Bachelor's degree or higher
Own/Rent 52.5% own their home
Total Population: 600,158 (in 2010)
Number of schools: 198
Allstate auto insurance offers policies that help protect you so that you and your family can have peace of mind when on the road. To get started, find an agent near you, get a no-obligation auto insurance quote online, or call us at 1-866-621-6900.

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