CallataGuidesBusiness phone system for insurance agencies and brokerages in Denver, CO
Insurance agencies and brokerages in the Denver-Aurora-Centennial, CO metro area: 1,764 establishments in 2023, the local area codes, and what phone service costs a 6-person team.
- Establishments
- 1,764CBP 2023
- Employees
- 9,771mid-March 2023
- Per 100k residents
- 57.8U.S. 39.3
- Rank
- 11th of 922areas by count
How many insurance agencies and brokerages are in Denver, CO?
County Business Patterns counts 1,764 insurance agencies and brokerages (NAICS 524210, Insurance Agencies and Brokerages) in the Denver-Aurora-Centennial, CO metro area for 2023. Together they reported 9,771 mid-March employees and $930.1 million of payroll for the year. That ranks 11th of the 922 metro and micropolitan areas where Census published a count for this industry.
With 3.1 million residents in the Census 2024 estimate, that is 57.8 insurance agencies and brokerages per 100,000 people, 47.0% above the national rate of 39.3. Establishments average 5.5 employees, 9.5% below the U.S. average of 6.1. Payroll per employee comes to $95,192, 4.8% above the national $90,831.
| Measure | Denver, CO | Colorado | United States |
|---|---|---|---|
| Establishments | 1,764 | 3,124 | 133,728 |
| Mid-March employees | 9,771 | 15,146 | 818,561 |
| Annual payroll | $930,124,000 | $1,296,351,000 | $74,350,546,000 |
| Employees per establishment | 5.5 | 4.8 | 6.1 |
| Payroll per employee | $95,192 | $85,590 | $90,831 |
| Establishments per 100,000 residents | 57.8 | 52.4 | 39.3 |
Census County Business Patterns 2023 (mid-March employment; annual payroll). Employees and payroll flagged high-noise are shown but not used in the text. Residents: Census Vintage 2024 estimates.
Team sizes at insurance agencies and brokerages in Denver, CO
Of the insurance agencies and brokerages in Denver, CO that had employees in March 2023, 77.0% had fewer than five (the U.S. share is 72.3%). 92.0% had fewer than ten. Small teams usually share the phone: the person who answers is often also serving a customer or doing the job, which is when calls get missed.
| Employment size | Establishments | Share | U.S. share |
|---|---|---|---|
| 1–4 employees | 1,358 | 77.0% | 72.3% |
| 5–9 employees | 264 | 15.0% | 17.6% |
| 10–19 employees | 83 | 4.7% | 6.0% |
| 20–49 employees | 34 | 1.9% | 2.7% |
| 50 or more employees | 25 | 1.4% | 1.4% |
Employment-size classes count establishments by mid-March 2023 employment. Establishments with no March employees are excluded from the size classes, so shares are of establishments with employees. Source: Census County Business Patterns 2023.
What insurance agencies and brokerages in Denver, CO use the phone for
Insurance agencies take quote requests, policy changes and claims questions, and a caller shopping for a quote may only call one or two agencies. Recording calls and summarizing them also helps agencies document what a client asked for.
Typical inbound and outbound calls for insurance agencies and brokerages in Denver, CO:
- A prospect calls for an auto insurance quote.
- A client calls after an accident to start a claim.
- The agency calls a client ahead of a renewal.
Calls after closing time
After-hours calls after an accident or loss need clear instructions on how to reach the carrier's claims line.
Business-hours routing in Callata sends calls to voicemail, a teammate's cell or an AI agent once the day ends, and voicemails arrive transcribed with an urgency flag.
Callata vs. per-seat pricing for insurance agencies and brokerages in Denver, CO
The average insurance agency in Denver, CO has 5.5 employees, so a 6-person team is a reasonable benchmark. On a per-user plan that headcount sets the bill: $149.70 a month on Ooma Office Pro or $180.00 on RingCentral RingEX Core at list price (checked September 28, 2026). On Callata the same 6 people cost $119.00 a month, less than either per-seat plan.
The annual difference against RingCentral's monthly list price comes to $732. Some vendors discount annual contracts; the table shows month-to-month prices.
| Provider (plan) | Pricing basis | Per month | Per year |
|---|---|---|---|
| Callata (Callata Office) | $99 incl. 5 users, $20 per extra user | $119.00 | $1,428.00 |
| Quo (Starter) | $19.00 per user | $114.00 | $1,368.00 |
| Nextiva (Core) | $23.00 per user | $138.00 | $1,656.00 |
| Ooma (Office Pro) | $24.95 per user | $149.70 | $1,796.40 |
| Dialpad (Standard) | $27.00 per user | $162.00 | $1,944.00 |
| RingCentral (RingEX Core) | $30.00 per user | $180.00 | $2,160.00 |
Competitor prices are each vendor's published month-to-month list price per user for its lowest plan that includes business calling and texting, checked September 28, 2026: Quo Starter $19, Nextiva Core $23, Ooma Office Pro $24.95 (Essentials excludes texting; one-time $29.95 activation not included), Dialpad Standard $27, RingCentral RingEX Core $30 ($20 billed annually). Prices exclude taxes and fees and may change; annual contracts lower some competitors' prices.
Local area codes for insurance agencies and brokerages in Denver, CO
NANPA records place the exchanges of the area's named cities and towns in 4 area codes. 303 has the most, with 740 of 1,472 exchanges (50%). Callata's plan includes up to 3 local numbers; you can pick them in the area codes your policyholders recognize, subject to carrier inventory, or port the number you already have for free.
| Area code | Exchanges | Time zone | In service since | Overlay with |
|---|---|---|---|---|
| 303 | 740 | Mountain | 1947 | 720, 983 |
| 720 | 693 | Mountain | 1998 | 303, 983 |
| 983 | 32 | Mountain | 2022 | 303, 720 |
| 719 | 7 | Mountain | 1988 | none |
Exchanges are NANPA-assigned central office codes (NPA-NXX) in the rate centers matched to the area's named places. Source: NANPA utilized code and NPA reports.
Setting up Callata for an insurance agency in Denver, CO
Callata Office costs $99 per month for up to 5 people, and each additional user is $20 a month. That covers up to 3 local numbers, calling from a browser or your cell, transcribed voicemail, recorded calls with AI summaries, after-hours routing and E911 on each number.
If you already have a number in Denver, CO, porting it to Callata is free. Texting from a local number requires a one-time carrier registration (10DLC, $49), and the numbers available in any area code depend on carrier inventory when you choose them.
Optional AI agents (receptionist, sales, support or scheduler) can answer calls after hours or when nobody picks up, take messages, text, email and transfer to your team. They are billed from prepaid AI minutes at $0.25 per minute, identify themselves as AI, and may only place outbound calls to people who consented, between 8am and 9pm.
Outbound sales calls and texts are subject to telemarketing and consent rules; get consent before marketing by phone or text.
Frequently asked questions
How many insurance agencies and brokerages are there in Denver, CO?
Census County Business Patterns counted 1,764 insurance agencies and brokerages in the Denver-Aurora-Centennial, CO metro area in 2023. They employed 9,771 people in mid-March.
What does a business phone system cost for a 6-person insurance agency?
At month-to-month list prices checked September 28, 2026, 6 users cost $180.00 a month on RingCentral RingEX Core and $149.70 on Ooma Office Pro. On Callata, $99 a month with 5 users included, then $20 per additional user, the same team pays $119.00.
What area code should an insurance agency in Denver, CO use?
Area code 303 has the most assigned exchanges among the area's named places, followed by 720 and 983. If you already have a local number, you can port it to Callata for free.
Can an AI receptionist answer calls for an insurance agency?
Yes. Callata's optional AI agents can answer when the team is busy or closed, take a message, text, email or transfer the call. They disclose that they are AI and are billed from prepaid AI minutes at $0.25 per minute. Outbound sales calls and texts are subject to telemarketing and consent rules; get consent before marketing by phone or text.