Denver, as the state's largest city, contributes not just to the state's four million licenced drivers, but also to the total number of traffic deaths each year.
In 2017, there were 49 death wrecks in Denver, as well as 478 serious injury incidents. Car insurance is required in Denver, as it is in most other cities, and it is something that should not be overlooked because it may protect drivers legally and financially from traffic offences and accidents.
In Denver, the typical full-coverage driver pays $2,251 per year, while the average minimum-coverage driver pays $611 per year. Rates, coverage options and discounts, financial soundness, third-party scores, and overall customer satisfaction were used to rank the best car insurance companies in Denver.
Denver's best car insurance companies
American Family, USAA, Geico, Allstate, and Farmers offer the best vehicle insurance in Denver. Below-average rates, fantastic discounts, multiple endorsement plans, good financial strength rankings, and impressive third-party ratings are all available from these providers.
Allstate
Allstate is known for its digital resources and technologies. Drivers can use online calculators to determine how much and what type of insurance coverage they require. Drivers can also request roadside assistance, file a claim, and more with Allstate's top rated mobile app. Denver drivers can tailor their coverage with a variety of endorsements and save money with discounts such as the Drivewise® safe driver rewards programme.
American Family
American Family matched with Geico for the highest rated insurance carrier in the Southwest area, which includes Colorado, according to J.D. Power's 2020 U.S. Auto Insurance Study. Although the company's premiums are higher than usual, drivers benefit from a wide range of coverage options and discounts. In addition, American Family offers a disappearing deductible programme, in which drivers can save up to $100 on their deductible for each year without a claim.
Farmers
Farmers is a great choice for Denver drivers who are looking for customizable coverage. In addition to standard minimum and full coverage insurance, Farmers also offers roadside assistance, rental car coverage, loss of use coverage, Guaranteed Value™ protection, full windshield and glass coverage, a glass deductible waiver and more. Drivers can lower their premium by taking advantage of discounts or enrolling in the Signal® safe driver program.
Geico
Geico is one of the top and most affordable car insurance providers in Denver. The average driver spends $1,131 per year for full coverage and $293 for basic coverage, which is much less than the national average. Although Geico does not provide many optional coverages, drivers can take advantage of a variety of discounts, including reductions for military members, federal employees, clever students, and others.
USAA
USAA vehicle insurance is available to Denver drivers who are active service military or veterans. USAA is well-known for its great customer service, extensive coverage options, and affordable pricing. When drivers move from another provider to USAA, they save an average of $700 a year. There are also military-specific coverages and discounts, such as a 15% comprehensive insurance discount for drivers who park their car on a military base.
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