Independent agents comparing auto quotes from 25+ carriers for Englewood residents, with clear coverage guidance, not hard sell.
Average Englewood, Colorado car insurance rates
Use these amounts as estimates for comparison; they are not bindable quotes. The drivers and vehicles on the policy, plus the ZIP code, together with coverage limits and deductibles, credit where allowed, and claims history, decide the real price.
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,084.50 |
| 20s | $121.86 |
| 30s | $118.73 |
| 40s | $130.58 |
| 50s | $116.11 |
| 60s | $103.77 |
| 70+ | $113.64 |
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Colorado | $172.40 |
| Englewood, Colorado | $160.14 |
Lowest-priced car insurance companies in Englewood, CO
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | Progressive | $137.29 |
| 2 | NatGen Premier | $149.31 |
| 3 | National General 360 | $149.31 |
| 4 | Kemper BVP | $153.87 |
| 5 | GEICO | $154.71 |
| 6 | Safeco | $154.87 |
| 7 | Allstate | $154.93 |
| 8 | GAINSCO | $163.43 |
| 9 | Travelers | $181.75 |
| 10 | Chubb | $191.08 |
Check Out Other Rates in Englewood, CO Nearby Cities:
Englewood in brief
Englewood is home to roughly 33,082 residents, located in Arapahoe County.
Englewood sits in the Arapahoe County area, where day-to-day insurance shopping is driven more by home characteristics and carrier appetite than by any single landmark.
Roof age, construction type, and replacement cost still drive most block-by-block premium differences across the single-family homes typical of the Arapahoe County area.
Front Range communities face hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Driving and insurance context in Englewood
Englewood is home to roughly 33,082 residents, located in Arapahoe County. Population stands near 33,082. Front Range communities face hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Annual mileage and garaging ZIP both factor into underwriting since commutes from Englewood often combine arterials and highway. Comprehensive claims, and eventually the rates filed for surrounding ZIP codes, track local weather, above all hail, smoke days, and winter driving. That is why two neighbors in Englewood can see different premiums even with similar vehicles: how the car is built, credit-based insurance score where allowed, prior claims, and the exact garaging address all move the quote.
Anyone new to the Arapahoe County area should take a few minutes to confirm how they use the vehicle. The trim level of a given model year moves the rate less than highway-heavy commuting, rideshare activity, or teen drivers. When you request a quote, describe how the car is really driven so we can match carriers that price that profile competitively.
Many Englewood drivers also underestimate how vehicle safety features and ownership length interact with discounts. Carriers do not all weight anti-theft devices, automatic emergency braking, or continuous coverage the same way. Those carrier quirks are what an independent agent turns into a shortlist, so you do not re-key the same application on ten websites.
Keep the declarations pages from your current policy handy; that small step saves time. An apples-to-apples comparison for Englewood comes together fastest when you start with limits, deductibles, and listed drivers. Look for lower liability limits, a missing comprehensive line, or a left-off household driver whenever a quote looks dramatically cheaper.
Auto coverage explained for Englewood drivers
Minimum liability keeps you legal in Colorado, but it rarely matches the cost of a serious injury claim or a newer financed vehicle. This outline doubles as a checklist as you line up Englewood quotes.
- Bodily injury & property damage liability: Covers other people when you are at fault. Home equity, savings, or a long commute through dense traffic all argue for consider higher limits.
- Collision: Pays for your vehicle’s damage in a crash with a car or object, less your deductible.
- Comprehensive: Handles damage that is not from a collision, like theft, hail, cracked glass, and animal strikes, especially relevant in storm-prone areas.
- Uninsured / underinsured motorist: Covers you if the at-fault driver has little or no insurance. Before turning down UM/UIM, learn your state’s rules.
- Medical payments / PIP: Pays toward medical bills for you and passengers after an accident; availability and stacking rules vary by state.
- Rental reimbursement: When a covered claim puts your car in the shop, this helps cover a rental car.
- Roadside assistance: Tows, jump starts, and lockout service, which can cost less on your auto policy than a separate club membership.
- Liability limits & umbrella coordination: With an umbrella policy, Confirm that your auto limits meet the underlying requirements.
Leased or financed cars in Englewood almost always require collision and comprehensive. If your car is older and paid off, we can model dropping collision only after you understand the out-of-pocket risk. Stormy ZIP codes justify a second look at glass and hail deductibles.
Englewood discounts to ask about
- Multi-policy credit — auto plus home or renters coverage.
- Multi-car — two or more vehicles with one carrier.
- Safe driver & claims-free — clean records often price better.
- Good student and driver training — useful once teens are rated.
- Telematics & usage-based — optional programs that reward safer habits.
- Paid-in-full, autopay, and paperless — minor credits that add up.
- Anti-theft and safety features — based on the vehicle and the carrier.
Discounts never replace shopping. Two carriers can advertise similar credits and still land fifty dollars apart on the same Englewood driver.
Ways to lower car insurance rates in Englewood
Shopping well is more than the lowest binder price. The savings that last tend to come from cleaning up the garaging address and listed drivers before you compare, then a fresh market check each term.
- Compare at least several carriers each renewal. As storms and loss trends play out, carriers change what they want to write. Last year’s cheapest Englewood option might not win this year.
- Bundle only when the math works. A home-and-auto bundle can help, but verify the combined price, not just the auto line in isolation. Start your request at /get-a-quote/auto-quote, and note any homeowners or renters policy you already have.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,084.50, far above adult buckets near $104. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Use telematics carefully. Usage-based programs can pay off for gentle acceleration and low overnight mileage, but hard braking and late-night driving can cancel the discount.
- Keep continuous coverage. A lapse, even a brief one, often cost more than the months you skipped.
- Get the garaging address right. If the car sleeps in Englewood but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask about paperless, autopay, paying in full, and professional affiliations. Together they can shift a close quote, even though each is small alone.
Finally, document improvements: new roof cameras are for homes, but dash cams, anti-theft devices, and clean Motor Vehicle Records still help many auto filings. To keep underwriting from guessing, share them at your Englewood quote review.
What moves a Englewood auto quote
When a Englewood application comes in, carriers look well past the vehicle’s sticker price. A clean credit file may not offset prior bodily injury claims, weather-related comprehensive losses, or coverage lapses. Conversely, a longer tenure with continuous insurance and a modest annual mileage estimate can soften the rate even when the car itself is relatively new.
Your mileage estimate may be due for a change when you work remotely part of the week; ask about it. Mileage estimates from an old job still sit on many Englewood policies, leaving households paying for miles they no longer drive. The reverse also applies: a longer commute around the Arapahoe County area means updating the application before a claim exposes a mismatch.
Picking deductibles and limits around local weather
Because hail, wildfire smoke days, and slick winter driving show up in regional loss data, comprehensive deductibles deserve a deliberate choice in Englewood. Parking outside? A lower glass deductible may be worthwhile. With reserves in the bank and a paid-off vehicle, a higher comprehensive deductible can trim premium.
Liability limits should reflect assets and risk tolerance, not only the state minimum. A serious at-fault accident on a busy corridor near Englewood can exceed minimum limits quickly. So you are not buying numbers you do not understand, we walk through real scenarios.
How Freedom Insurance Group helps Englewood drivers
We never invent AM Best ratings, and no pretending every carrier is appointed in every niche. Clear explanations of the tradeoffs, shopping across the markets we can access, and help choosing limits that fit your driving in Englewood and the Arapahoe County area: that is the service.
Call (800) 253-1482 or request a free auto quote online. We will look at bundling options without pressure if you also need homeowners coverage; start on the home quote form.
Drivers and vehicles, where the car is garaged, your desired liability limits, and any recent claims make up the conversation. Those details, rather than this page’s averages, are what build a shortlist of bindable options for your family.
Commutes, cars, and storms in Englewood
According to the Census Bureau’s 2020–2024 American Community Survey, the average one-way commute for Englewood workers is about 23 minutes. Among workers, 63% drive alone, 5.6% carpool, and 23% work from home. With that many remote workers, a stale commute on the policy is a common overcharge.
Englewood covers about 6.6 square miles of land, and 2020–2024 Census estimates count roughly 34,129 residents, or about 5,202 people per square mile. Denser streets mean more intersections and parked cars, which is part of why collision pricing varies by ZIP code. For big-city errands, the nearest Colorado city over 100,000 residents is Highlands Ranch, roughly 7 miles south.
Of the roughly 16,805 occupied households in Englewood, 15% have three or more vehicles and 33% have two. About 9.4% of households have no vehicle at all, and anyone who drives occasionally without owning a car can ask about non-owner liability coverage.
NOAA storm reports show 50 hail reports within about 5 miles of Englewood from 2016 through 2025. The largest stones measured 3 inches near Englewood in June 2018. Stones that large can break windows and cause major body damage, and those claims go through comprehensive. There were also 1 flash-flood report nearby, logged in July 2018; a flooded car is a comprehensive claim, not collision.
Englewood was incorporated on May 9, 1903. Census counts put Englewood at 31,727 residents in 2000 and 30,255 in 2010, and the Census Bureau’s July 2024 estimate is 35,238. The population has stayed fairly steady since 2000. The NOAA Storm Prediction Center database shows 25 tornadoes that began within 10 miles of Englewood from 1950 through 2015; the strongest was an F3 on June 15, 1988.
Shopping around the area? See our car insurance pages for Sheridan (1 mi), Cherry Hills Village (3 mi), and Bow Mar (3 mi).
Englewood-area ZIP codes we insure
80150 · 80151 · 80155 · 80110 · 80113 · 80111 · 80112
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Englewood, CO auto insurance quotes
Englewood residents get a comparison of 25+ carriers at Freedom Insurance Group. Call (800) 253-1482 or request a free auto quote online.
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