Car insurance in Englewood runs about $864 a year on average — a genuinely good number for the Denver metro. So why does this particular six-and-a-half-square-mile city keep showing up near the top of national auto-theft rankings?

The short answer: those two facts aren't as connected as they sound, and carriers price them separately.

The Theft Number Is Real, But It's Falling

Englewood has posted some of the steepest motor-vehicle theft odds in the country in recent FBI crime-data analyses — as high as 1 in 80 residents in a rough year. Risk isn't even across the city, either: the east side has run closer to 1-in-165 odds, while the northwest corner sits nearer 1-in-168.

What matters more for your quote going forward is the trend line. Citywide auto theft has dropped by more than half in recent reporting, a swing local police attribute partly to community-based prevention work. Comprehensive pricing lags behind real-world crime data by a year or two, so drivers who stick around are likely to see that improvement show up gradually in renewal quotes.

Colorado requires 25/50/15 liability coverage statewide — $25,000 bodily injury per person, $50,000 per accident, $15,000 property damage — and it's an at-fault state, so uninsured/underinsured motorist coverage is added automatically unless you reject it in writing.

Two Highways, One Small City

US-85, known locally as Santa Fe Drive, and US-285, which becomes Hampden Avenue east of Santa Fe, cross directly through Englewood. That intersection pulls in a large share of south-metro Denver's daily commuter traffic, and CDOT ran a signal-upgrade project through the corridor in 2024 aimed squarely at cutting congestion-related crashes.

Where Englewood once had the old Cinderella City mall anchoring that stretch — one of the largest indoor malls in the country when it opened in 1968 — the site is now CityCenter Englewood, a transit hub built around an RTD light-rail station. Some residents lean on rail instead of a daily highway commute, which helps offset the accident exposure that comes with two federal highways meeting in a city this size.

What Englewood Drivers Actually Pay

Recent multi-carrier comparisons put the citywide average at roughly $72 a month, or $864 a year — well under Colorado's $3,181 full-coverage state average. Liability-only quotes have ranged from about $38 to $86 a month depending on the carrier, while full-coverage quotes span roughly $88 to $185 a month.

State Farm has consistently landed near the bottom of that range, around $67 a month, in local comparisons. That spread is wide enough that two Englewood drivers with near-identical profiles can end up paying meaningfully different amounts just by shopping around.

Englewood packs about 34,840 residents into 6.55 square miles — one of the denser small cities in the Denver metro. That density cuts both ways: more low-speed fender-benders in tight commercial corridors, but shorter average trip lengths that some carriers reward in mileage-based pricing.

Cutting Your Premium From Here

Englewood's baseline is already favorable. Getting the best number on top of it comes down to a few concrete moves.

  • Shop liability quotes across carriers: local comparisons show a $38-to-$86-a-month spread for identical coverage, so a five-minute comparison can be worth real money.
  • Reduce theft exposure where you can: a garage, a well-lit driveway, or even a steering-wheel lock can matter in a city with Englewood's theft history, and some carriers ask about anti-theft devices directly.
  • Keep UM/UIM coverage intact: Colorado adds it by default, and with an estimated uninsured-driver rate near 17.5% statewide, waiving it is a bigger gamble than the savings usually justify.
  • Ask about bundling: pairing auto with renters or home insurance is one of the more consistent discounts carriers offer in this ZIP code range.

For a deeper breakdown of which discounts actually move the needle, see our guide to lowering your premium.

Pull quotes from at least three carriers, confirm your UM/UIM limits match your liability coverage, and take Englewood's falling theft numbers as a reason to check in on your comprehensive rate at your next renewal — not a reason to skip shopping altogether.