Cheapest Car Insurance Quotes in Denver

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Denver Car Insurance

^$ 29

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Denver

The car insurance rate in Denver is $1365 for a six-month policy, which is $218 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $438, making it a popular choice for budget-conscious drivers. Rates in Denver can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Denver

$1365

Avg. Car Insurance in Colorado

$1147

National Average

$1140

Cheapest Car Insurance Companies in Denver

1st place: Colorado Farm Bureau

At $438 for a six month policy, Colorado Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $481 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $721 for six months, making it the third cheapest auto insurance company in Denver.

Denver Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Denver, CO is Colorado Farm Bureau, offering policies at just $438 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $481.

At the higher end of the spectrum, California Casualty is the most expensive, with rates reaching $1753 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Denver drivers find the best deals.

Cheap Car Insurance Companies in Denver, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$438	$75
American National P&C	$481	$80
Auto-Owners Insurance Co	$721	$123
Acuity	$784	$131
Colorado Farm Bureau Mutual	$919	$156
American Family	$1152	$194
American National	$1188	$202
Auto-Owners	$1279	$213
USAA	$1315	$221
State Farm	$1378	$232
Progressive	$1457	$245
Allstate	$2036	$343
Nationwide	$2375	$403
Farmers	$2544	$428
Farm Bureau	$2036	$346
California Casualty	$1753	$293

Key Takeaways

Way's key takeaways about car insurance in Denver

The auto insurance costs in Denver fall around $438 for six months.
The cheapest auto insurance company in Denver is Colorado Farm Bureau.
Teen drivers pay the highest rate in Denver at $1609 per month.

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Cheapest Minimum Liability Car Insurance in Denver

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Denver are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Denver. Their Average 6 Month Premium is $170. California Casualty is the most expensive at $248 for the same period.

Cheapest Liability Coverage in Denver, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$170	$29
American National P&C	$183	$31
American National	$219	$37
Colorado Farm Bureau Mutual	$255	$43
USAA	$290	$49
Auto-Owners Insurance Co	$332	$56
Farm Bureau	$339	$57
Progressive	$353	$60
Acuity	$361	$61
State Farm	$396	$67
American Family	$403	$68
Auto-Owners	$474	$79
Allstate	$777	$131
Nationwide	$784	$131
Farmers	$791	$133
California Casualty	$248	$42

Cheapest Full Coverage Car Insurance in Denver

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Denver is Colorado Farm Bureau at $75 per month and $438 for six months.

Cheapest Full Coverage Car Insurance Quotes in Denver, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$438	$75
American National P&C	$481	$80
Auto-Owners Insurance Co	$721	$123
Acuity	$784	$131
Colorado Farm Bureau Mutual	$919	$156
American Family	$1152	$194
American National	$1188	$202
Auto-Owners	$1279	$213
USAA	$1315	$221
State Farm	$1378	$232
Progressive	$1457	$245
Allstate	$2036	$343
Nationwide	$2375	$403
Farmers	$2544	$428
Farm Bureau	$2036	$346
California Casualty	$1753	$293

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Average Car Insurance in Denver by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Denver, CO increasing?

Despite maintaining a clean driving record, your car insurance rates in Denver, Colorado, may be increasing due to several external factors. Colorado has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Denver's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Denver

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$1014
30s	USAA	$744
40s	USAA	$641
50s	USAA	$649
60s	USAA	$660
70s	USAA	$774

Cheapest Car Insurance Rates for Teen Drivers in Denver,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Denver at $30 per month. At $9557 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$177	$30
American National P&C	$219	$37
California Casualty	$248	$42
Colorado Farm Bureau	$311	$52
Auto-Owners Insurance Co	$452	$77
Colorado Farm Bureau Mutual	$1618	$270
USAA	$1909	$321
American Family	$2368	$399
State Farm	$3118	$525
Progressive	$3873	$652
Auto-Owners	$4184	$712
Allstate	$4241	$714
Nationwide	$7620	$1296
Farmers	$9557	$1609

Teen Car Insurance Rates in CO by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Denver.

As young drivers face the highest rates in Denver, USAA offers the cheapest auto insurance rates at $1014 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Denver, Colorado Farm Bureau is the cheapest car insurance provider. At $332 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Denver is State Farm, offering rates of around $4580 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$332	$56
Acuity	$509	$84
American Family	$1512	$255
Progressive	$1562	$263
USAA	$2191	$372
Farmers	$2777	$468
Allstate	$3556	$605
Nationwide	$3612	$602
Auto-Owners	$3873	$658
State Farm	$4580	$764

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Car Insurance Rates with An Accident in Denver

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Denver, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Denver

The cheapest car insurance companies after an at-fault accident in Denver include Colorado Farm Bureau and American National, offering $212 and $248, respectively. Nationwide is an expensive provider with an average six-month premium of $4142.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$212	$36
American National	$248	$42
American National P&C	$262	$44
Farm Bureau	$332	$56
California Casualty	$481	$80
State Farm	$1082	$182
Colorado Farm Bureau Mutual	$1110	$184
USAA	$1110	$187
American Family	$1392	$234
Progressive	$1944	$327
Auto-Owners	$2128	$355
Allstate	$2940	$495
Farmers	$3499	$589
Nationwide	$4142	$704

Denver Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Denver CO. For example, the car insurance in Denver after a DUI increases to $1258 for a six month policy. While the rate increases by $367 for a six-month policy in the case of a speeding ticket.

Denver auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1577	$263
One Med/PIP claim	$1584	$269
Not-at-fault accident	$1611	$269
One comp claim	$1618	$275
Two Med/PIP claims	$1618	$270
Two comp claims	$1683	$286
Failure to wear a seat belt	$1760	$294
Failure to show documents	$1774	$302
Child safety restraint	$1796	$299
Driving without lights	$1796	$306
Driving with expired registration	$1866	$311
Texting while driving	$1887	$321
At-fault accident - less than $1000	$1902	$317
Cell phone violation	$1909	$325
Failure to yield	$1909	$318
Following too closely	$1909	$325
Illegal turn	$1909	$318
Failure to stop at a red light	$1916	$326
Driving too slowly	$1923	$320
Improper passing	$1930	$328
Wrong way/wrong lane	$1937	$322
Speeding 6 - 10 MPH over limit	$1944	$331
Speeding 11 - 15 MPH over limit	$1950	$325
Speeding 16 - 20 MPH over limit	$1950	$332
Speeding in school zone	$1958	$326
Passing school bus	$1993	$339
In 65 MPH zone	$2121	$353
Operating a vehicle without permission	$2128	$362
Speeding 21 - 25 MPH over limit	$2156	$359
Open container	$2212	$376
At-fault accident - $1000-$2000	$2325	$388
At-fault accident - greater than $2000	$2375	$403
Driving with a suspended license	$2488	$414
Reckless driving	$2743	$466
Refusal to submit to a chemical test	$2770	$462
Racing	$2799	$476
DUI	$2835	$472
Leaving scene of an accident/hit and run	$2940	$500

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Denver after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Denver.

The cheapest car insurance premiums in Denver are offered by Colorado Farm Bureau at $248 for a six-month policy. However, it can be as expensive as $5578 with companies like Nationwide.

Denver car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$248	$42
American National	$262	$44
American National P&C	$296	$50
Farm Bureau	$389	$67
Colorado Farm Bureau Mutual	$1131	$188
Progressive	$1202	$202
State Farm	$1223	$206
American Family	$1498	$252
USAA	$1591	$268
Farmers	$2178	$367
Allstate	$2537	$427
Auto-Owners	$2644	$450
Nationwide	$5578	$929

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Denver are offered by American National P&C at $219. However, it can be as expensive as $4085 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Denver after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$219	$37
Colorado Farm Bureau	$226	$38
Auto-Owners Insurance Co	$361	$60
State Farm	$806	$136
American Family	$1046	$176
Auto-Owners	$1329	$226
USAA	$1351	$225
Progressive	$1385	$233
Allstate	$2332	$389
Nationwide	$3421	$582
Farmers	$4085	$681

Car Insurance Price Trends in Denver, Colorado

Car insurance rates in Denver have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Denver remained steady at $280 in both January and December, indicating no change over the two month period.

The average cost of liability insurance in the Denver remained steady at $69 in both January and December, indicating no change over the two month period.

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Average Car Insurance Cost in Denver by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Denver. At $1446 for a six-month policy, insuring your car at 80219 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
80219	$1446	$243
80218	$1378	$231
80239	$1419	$238
80223	$1378	$231
80222	$1392	$234
80221	$1405	$236
80220	$1405	$236
80227	$1405	$236
80249	$1392	$234
80205	$1405	$236
80204	$1405	$236
80226	$1405	$236
80203	$1378	$231
80247	$1392	$234
80246	$1378	$231
80202	$1378	$231
80224	$1378	$231
80260	$1405	$236
80209	$1392	$234
80229	$1433	$241
80207	$1392	$234
80206	$1392	$234
80228	$1405	$236
80234	$1392	$234
80212	$1378	$231
80233	$1419	$238
80211	$1405	$236
80232	$1392	$234
80210	$1405	$236
80231	$1405	$236
80238	$1378	$231
80216	$1378	$231
80237	$1378	$231
80215	$1378	$231
80236	$1378	$231
80214	$1392	$234
80235	$1364	$229
80230	$1364	$229

Frequently Asked Questions

How much is car insurance in Denver?

The car insurance in Denver is $29 per month, which is lower than the national average.

What is the cheapest car insurance in Denver?

The cheapest car insurance in Denver is $75 per month for full coverage.

How much is car insurance in Denver for teenagers?

Car insurance for teenagers costs $177 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Denver?

The average cost of car insurance is $1147 for a six-month policy. It will cost around $230 per month to insure your car in Denver.

Is car insurance expensive in Denver?

Car insurance can be expensive in Denver if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Denver can be affordable.

What is the best car insurance in Denver, CO?

The best car insurance company in Denver CO is Colorado Farm Bureau, offering $438 for a six-month policy.