Denver Auto Insurance


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Denver is the capital of the state of Colorado and also the largest city, population-wise, in a 500 mile radius in the mountain west. The Mile High City is the sole major transportation hub between St. Louis and Phoenix, and its airports and intersecting interstates serve millions of residents in several surrounding states. With such a massive movement of people and goods all passing through Denver, the likelihood for a motor vehicle accident is increased. Here are some automobile-related statistics for Denver, Colorado:

  • 21,554 auto accidents in 2009
  • 8,407 vehicle thefts in 2009
  • Average commute time of 26.7 minutes
  • 15% of drivers are uninsured

Denver has a relatively average number of vehicle thefts per capita and a very high proportion of uninsured drivers. Because of the higher than average statistics for many major automobile-related categories, comprehensive Denver auto insurance is a necessity. The State of Colorado requires all motor vehicle owners to have minimum amounts of auto liability insurance. Basic Denver auto insurance is comprised of the following policies:

  • Liability Insurance
  • Medical Payment Coverage

In Colorado, automobile liability insurance is generally defined as coverage for bodily injury you cause to another person or for property damage you cause to another person's property through negligent use of your vehicle. Colorado law requires bodily injury limits of $50,000 total per accident and a property damage limit of $15,000 per incident. As of January 1, 2009, Colorado required mandatory medical payment coverage. Consumers have the option of opting out of this coverage. Because of the high prices of vehicles and medical care, minimum insurance coverage may not be enough if you are found liable for causing an accident. Consider purchasing other insurance products if you are an Denver driver, such as collision insurance or medical payment coverage, especially because you are liable for any amounts over your coverage limits.

It is important to remember to shop for low prices as well as quality service. Many auto insurance companies will adjust your premium based on the location in which your vehicle is registered. Obtaining as many valid discounts as possible is highly recommended. SmartAutoInsurance.com is dedicated to finding reliable and quality Denver automobile insurance quotes.

Principal Department of Motor Vehicles locations in Denver are listed here:

  • 2736 Welton St., Denver 80205 (720) 865-4600
  • 1111 W. Colfax St., Denver 80204 (303) 205-5613
  • 1835 Mississippi Ave., Denver 80223 (303) 937-9507
  • 3698 W. 44th Ave., Denver 80211 (720) 865-4600
  • 3100 S. Sheridan Blvd., Denver 80277 (720) 865-4600

The phone number for the DMV is (720) 865-4600.