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80202 is downtown Denver. Presumably, you're looking at a condominium or apartment in this zip code. Utilities will be dependent on the age of your building, the size of your place and also what utilities may be included in your HOA. Chances are, in most condo buildings, utilities are not going to be a signficant part of your budget. Rent, however, is going to be astronomically expensive -- I doubt you'll find much of anything in downtown Denver for less than $1500.00 a month. I'd highly recommend you look into Capitol Hill (zip 80203) as an alternative to Downtown Denver -- it's much more affordable.
As for taxes, state taxes are a flat 4.63% of income, and yes, it usually is withheld from your paycheck.
Car insurance depends entirely on your driving history -- I'd say your car insurance rates likely will not change from whereever you are now.
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