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Get Cheap Car Insurance in Platt Park, Denver, CO

We monitor insurance prices, helping the average driver in Platt Park save up to 30.1% on car insurance.

 

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The Cheapest Minimum Coverage in Platt Park

The chart below shows the cheapest car insurance company in Platt Park for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Bristol West, Safeco Insurance, and Geico.

 
Platt Park Insurer Monthly Cost
State Farm $70
Bristol West $83
Safeco Insurance $85
Geico $87

Savings for Every Kind of Platt Park Driver

The table shows how much the average auto insurance customer in Platt Park might save by following our recommendations.

Based on our extensive insurance data, we know the average Platt Park driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $443 per year by choosing the right vehicle insurance company. Some Platt Park residents are paying out over $2,067 extra every year for auto insurance in Platt Park. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Platt Park Car Insurance vs. Denver

People living in Platt Park pay an average of 9.38% more than the typical driver in the state. The average driver in Platt Park can expect to pay about $1,208 per year, or $2,067 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Platt Park for most people.

Car Insurance Prices by Platt Park Neighborhood

Platt Park, Denver, CO map of insurance costs by zip code and neighborhood

Insurance Prices

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Where is insurance cheapest within Platt Park?

The map shows insurance prices in and around Platt Park, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $151 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,134 to a low of $1,983. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the Southeast parts of Platt Park.

Pick the Best Car Insurance Company for You in Platt Park

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Platt Park insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Platt Park

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $443 over the average Platt Park car insurance company.

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We use the average good driver, paying $135 per month, as our baseline for pricing in Platt Park. Geico, Travelers, and Auto-Owners Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Platt Park drivers with accidents on their records

In Platt Park getting into an accident will raise premiums an average 34% for a yearly cost of $3,117. That's $1,050 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Travelers, and Bristol West are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $790 over the competition.

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The best car insurance company for Platt Park drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $635 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Platt Park, tickets raise premiums on new quotes about $707. If you have a speeding ticket, we recommend State Farm, Geico, and Bristol West for savings that beat the average insurance cost of $2,774 per year.

The best auto insurance for Platt Park drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,256 per year in auto insurance premiums, which was $1,189 more than a driver with no major issues. State Farm, Travelers, and Bristol West penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $679 less each year.

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The least expensive car insurance company for new and young drivers in Platt Park

In Platt Park, State Farm costs young drivers $2,010 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in Platt Park. With an average cost of $6,688 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and American Family Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Platt Park

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $132. State Farm, Geico, and Progressive provided the largest discounts to couples living in Platt Park.

State Farm gave the largest car insurance discounts to married couples, averaging $533 saved each year compared to an average Platt Park couple's premiums.

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The cheapest car insurance in Platt Park for drivers with bad credit

People with poor credit saved an average of $780 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $1,179 every year. Premiums for people with poor credit were about $3,246 in Platt Park. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Bristol West.

The best Platt Park car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Platt Park, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Platt Park.

Nationwide was the best company for customer service in Platt Park according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Platt Park, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Platt Park. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Platt Park

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 32% of Platt Park residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Platt Park driver can expect to pay about $128 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Platt Park, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, married couples, young drivers, good drivers, drivers with bad credit, and drivers with accidents.
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Auto Insurance Prices in and Around Platt Park

What Influences the Cost of Car Insurance in Platt Park?

On average, car insurance in Platt Park is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Platt Park is 29 minutes, which is a little less than average for a driver in the city.
  • Colorado state insurance regulations may require higher prices.
  • An average of 10 to 11 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Platt Park are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of D- according to CrimeGrade.org.
  • Platt Park is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Platt Park is $101 per month for minimum coverage and $172 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Platt Park driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Platt Park with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.