Insurance
Car Insurance in Denver
Published September 24, 2026 · Last updated October 1, 2026
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Car theft in Colorado: better, not solved
| Colorado auto theft, 2025 | |
|---|---|
| Vehicles stolen | 16,291 |
| Change from 2024 | Down 34% |
| Theft rate | 271 per 100,000 residents (6th worst in the U.S.) |
| Recovered | 80% |
| Most stolen model | Chevrolet Silverado |
| Thefts near Denver International Airport | 94 (down 87% from 2023) |
What this means for you:
- Comprehensive is the coverage that pays if your car is stolen. Liability doesn't.
- 80% of stolen cars were recovered, but often with damage. Comprehensive helps with that too, minus your deductible.
- Driving a Silverado, another pickup, or an SUV? SUVs were the most stolen vehicle style in Colorado in 2025.
Free help: the Colorado State Patrol hands out free steering wheel locks at its offices. Beyond that, lock your car, take your keys, and don't leave valuables in sight.
Parking at DEN for a trip? The airport-area drop is good news, but a few days in a lot is still a few days of risk. Keep comprehensive in place while you're away.
Hail: the other Front Range risk
The Colorado Division of Insurance lists hail, wind, and flood losses on comprehensive claims among the reasons prices have risen across the state.
- Only comprehensive covers hail damage.
- Check your deductible. A higher one lowers your price, but you pay more after every storm.
- Park covered when storms are forecast.
What Colorado requires (quick version)
- Liability of 25/50/15.
- $5,000 in medical payments coverage, included unless you reject it. It pays before your health insurance.
- Uninsured/underinsured motorist coverage, included unless you reject it in writing. About 19.7% of Colorado drivers were uninsured in 2023.
- You choose your repair shop after a claim.
The details are on the Colorado car insurance page.
What drives car insurance prices in Denver
- Theft, still high by national standards
- Hail and severe weather
- Uninsured drivers
- Your ZIP code across Denver, Aurora, Lakewood, and the suburbs
- Your record, your car, and your coverage
Not a quote or an offer. Your price comes from the insurance company.
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The catch: with theft falling, it's tempting to drop comprehensive on an older car. But in Denver, comprehensive also pays for hail, and a bad storm can total an older car. Price it both ways before you decide.
Related services
Own a home in Colorado? See Colorado homeowners insurance. Hail hit your roof? See hail damage roof repair.
More car insurance guides: Car insurance cost · SR-22 insurance · High-risk car insurance · Liability-only car insurance · Car insurance for teens · How to lower car insurance · What affects your auto insurance price · What comprehensive covers · Car insurance without a car · Umbrella insurance · All car insurance
Car insurance by city: Houston · Dallas · San Antonio · Austin · Fort Worth · Chicago · Atlanta · Miami · Philadelphia · Phoenix · Charlotte · Seattle · Las Vegas · San Diego · Memphis
More Colorado guides: Colorado car insurance · Colorado homeowners insurance
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