Car Insurance Denver, CO

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Discover discounts and benefits with the AARP Auto Insurance Program from The Hartford.

Get a Customized and Free Car Insurance Quote in Denver

family feeling secure knowing they are protected by car insurance denverWhether you’re on your way to watch a game at Coors Field or headed to check out the Denver Botanic Gardens, you deserve to feel protected on the road. And with challenges like severe weather and congested traffic conditions, drivers in Denver need car insurance they can count on.
 
If you’re looking for car insurance quotes in Denver, you’ve come to the right place. Since 1984, the AARP® Auto Insurance Program from The Hartford1 has offered tailored car insurance protection for experienced drivers and their families. Throughout that time, The Hartford has earned a reputation for integrity and trust. And with our high ratings for customer and claims service, The Hartford will be there when you need us most with Denver car insurance. To learn more, call 888-546-9099 or get a quote online today.
 

What Are the Minimum Requirements for Auto Insurance in Denver?

Drivers in Denver are required to carry Colorado car insurance at the following minimum limits:2
 

How Much Is Auto Insurance in Denver, CO?

Wondering “how much is car insurance?” The average cost of car insurance in Denver is $2,239 per year, or $187 per month.3 However, car insurance costs are different for each driver, so you may pay more or less than the average. Insurance companies in Denver take several factors into account when determining auto insurance rates, like your:
 
  • Type of vehicle, including year, make and model
  • Average miles driven per year
  • Driving record, including any speeding tickets
  • Claims history
  • Deductible amount

Discounts and Savings for Denver Car Insurance

The Hartford offers several car insurance discounts to help lower the cost of car insurance. Drivers can be eligible for discounts on their car insurance rates in Denver when they:
 
  • Bundle insurance: You could save up to 12% on your auto insurance and up to 20% on your homeowners, renters or condo insurance when you bundle your policies.**
  • Pay in full: You’ll get a discount if you pay your premium in full for the year instead of making monthly payments.
  • Complete a driver safety course: You can receive a safer driver discount by taking an approved driver training course.

Denver Car Insurance Coverages

couple happy knowing they are protected by auto insurance denverWith the AARP Auto Insurance Program from The Hartford, you can get the car insurance coverage you need to have peace of mind on the road. In addition to the required amounts for bodily injury liability and property damage liability insurance, you can add the following insurance coverages to your policy for extra protection:
 

Denver Car Insurance Quotes

couple pleased with their car insurance quotes denverThe AARP Auto Insurance Program from The Hartford has been protecting Denver drivers and their families since 1984. To learn more about the coverages and benefits available to you, get a car insurance quote from The Hartford today.
 
 
Last Updated: March 22, 2024
 
2 Rocky Mountain Insurance Information Association (RMIIA), “Colorado Auto Insurance Requirements”
 
3 Bankrate, “Average cost of car insurance in Colorado in 2023”
 
4 Medical payments are calculated on the basis of usual, customary and reasonable charges.
** Average savings amounts based on information reported by customers who switched to The Hartford from other carriers between 9/1/22 and 8/31/23. Your savings may vary. Average auto insurance savings is $577 and average home insurance savings is $236. Rate differences for AARP members and non-members vary by state and AARP membership tenure. Auto/Home discount is available only to policyholders who have both their auto and home (or condo or renters) insurance through the AARP Auto & Home Insurance program from The Hartford. The Hartford does not write new business in all areas, including the states of CA and FL.
 
§ Availability of RecoverCare benefit and benefit levels vary by state. The Hartford RecoverCare Advantage® is a registered mark of The Hartford.
 
§§ Terms and conditions apply.
 
Terms and conditions apply. Accident Forgiveness and the Disappearing Deductible are not available to CA policyholders.
 
‡‡ Terms and conditions apply. Availability varies by state.
 
‡‡‡ Based on one car and driver; individual rate/premium/savings will vary based on actual coverage selections and characteristics of vehicle(s)/driver(s).
 
Additional disclosures below.

Colorado Car Insurance

There’s more to know about car insurance in your state.
Summaries of coverages and policy features are for informational purposes only. In the event of loss, the actual terms and conditions set forth in your policy will determine your coverage.
 
AARP and its affiliates are not insurers. Paid endorsement. The Hartford pays royalty fees to AARP for the use of its intellectual property. These fees are used for the general purposes of AARP. AARP membership is required for Program eligibility in most states.
 
The AARP Auto Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA, by Hartford Underwriters Insurance Company; in WA, by Hartford Casualty Insurance Company; in MA, by Trumbull Insurance Company; and in PA, by Nutmeg Insurance Company and Twin City Fire Insurance Company. The AARP Home Insurance Program from The Hartford is underwritten by Hartford Fire Insurance Company and its affiliates, One Hartford Plaza, Hartford, CT 06155. It is underwritten in AZ, MI and MN by Hartford Insurance Company of the Southeast; in CA by Property and Casualty Insurance Company of Hartford; in WA, by Trumbull Insurance Company; in MA, by Trumbull Insurance Company, Sentinel Insurance Company, Hartford Insurance Company of the Midwest, and Hartford Accident and Indemnity Company; and in PA, by Nutmeg Insurance Company. Home product is not available in all areas, including the state of FL. Savings, benefits and coverages may vary and some applicants may not qualify. The Program is currently unavailable in Canada and U.S. Territories or possessions.
 
1 In Texas, the Auto Program is underwritten by Redpoint County Mutual Insurance Company through Hartford of the Southeast General Agency, Inc. Hartford Fire Insurance Company and its affiliates are not financially responsible for insurance products underwritten and issued by Redpoint County Mutual Insurance Company. The Home Program is underwritten by Hartford Insurance Company of the Southeast.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.