Colorado auto rates have risen faster than the national average for several years. The main reasons are hail, which makes Colorado one of the most expensive states for comprehensive claims; high vehicle theft rates in the Denver metro area; repair costs for vehicles packed with sensors and cameras; rising medical and legal costs; and a large share of uninsured drivers.
Insurers file their own rates with the Colorado Division of Insurance, so prices for the same driver can vary a lot from one carrier to the next. To manage your premium, keep a clean record, bundle home and auto, consider a higher comprehensive deductible, park in a garage during hail season, and compare carriers at renewal.
Questions about your own policy? Johnson Insurance Agency in Englewood helps families and businesses across the Denver metro area and Colorado compare coverage from multiple carriers. Call us at 303-768-8130.
Related FAQs
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It's strongly recommended. Colorado insurers must offer Uninsured/Underinsured Motorist (UM/UIM) coverage at limits matching your liability coverage, and you can only decline it in writing. Insurance Research Council estimates have ...
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