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Cheapest Car Insurance Quotes in Denver, CO (2023)
Travelers, SafeAuto, and Safeco offer the cheapest rates for full-coverage car insurance in Denver.
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Written by
Amy Beardsley
Insurance Writer
Amy is a personal finance and technology writer. With a background in the legal field and a bachelor's degree from Ferris State University, she has a talent for transforming complex topics into content that’s easy to understand. Connect with Amy on LinkedIn.
Edited by
Ashley Cox
Managing Editor
Ashley is an experienced personal finance editor who has edited a variety of digital content over the years, including credit cards, insurance, mortgages, personal loans, student loans, and more. She is passionate about helping people learn more about personal finance so that they can empower themselves and achieve their financial goals.Ashley began her career as a journalist, working as a reporter and editor for print and broadcast news outlets. She also has a background in corporate retail communications, where she focused on web content and marketing communications development. Before joining Insurify, Ashley worked as a senior editor at Credible and a copy editor at Credit Karma.When she’s not editing, Ashley volunteers with the local Humane Society, takes trapeze classes (where she daydreams about running away and joining the circus), and hikes the beautiful mountains of Western North Carolina.Ashley earned a bachelor’s degree in journalism and mass communication from Samford University.
Reviewed by
Jenny Beeler
Licensed Insurance Agent at Insurify
Jenny Beeler is a digital Insurance agent at Insurify's in-house agency. Holding degrees from Tusculum University and the University of Tennessee, she is a licensed insurance agent specializing in property, casualty, life, and health insurance.
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
Updated December 21, 2022
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The cost of Denver car insurance is on the rise. On average, drivers pay $175 monthly for minimum-coverage car insurance in Denver. But Denver drivers pay less than Colorado’s state average of $238. Knowing what to look for and the average cost each company charges can help you get the best deal on an auto insurance policy.
Table of contents
- How much does car insurance cost in Denver?
- Average cost of auto insurance in Denver
- Cheapest car insurance in Denver: Sun Coast
- How much car insurance do you need in Denver?
- Tips for getting cheap car insurance in Denver
- How age affects car insurance rates in Denver
- How credit scores affect cheap car insurance in Denver
- The effect of driving habits on car insurance in Denver
- Denver driving conditions
- Find local Denver agents
- Denver car insurance FAQs
How much does car insurance cost in Denver?
“Since every situation is unique, it’s impossible to accurately compare your rates to someone else,” says Dominic Frey, a licensed insurance agent with clients in Colorado. “Your vehicle, driving record, coverages, and credit are some of the main factors involved in determining your rates.”
Some companies may offer lower rates for drivers with a good driving record, while others may offer lower rates for drivers living in certain ZIP codes. To help narrow your search, Insurify data scientists analyzed the latest insurance rates to find the lowest car insurance quotes in Denver:
Sun Coast has the cheapest liability-only insurance coverage in Denver, with an average monthly rate of $84.
Travelers has the cheapest full-coverage insurance in Denver, with an average monthly rate of $185.
SafeAuto has the cheapest insurance for young drivers in Denver, with an average monthly rate of $199.
Read More: Cheap Car Insurance in Colorado
Average cost of auto insurance in Denver
The average cost of car insurance in Denver ranges from $175 for liability-only insurance to $294 for full coverage. Shopping around and comparing rates from multiple insurance companies will help you find the cheapest car insurance coverage that meets your needs.
Here’s a look at average monthly rates in Denver by insurance company.
| Insurance Company | Average Monthly Cost |
|---|---|
| Sun Coast | $176 |
| Travelers | $179 |
| SafeAuto | $183 |
| Progressive | $202 |
| Safeco | $204 |
| Nationwide | $215 |
| Direct Auto | $225 |
| Bristol West | $233 |
| State Auto | $233 |
| Midvale Home & Auto | $254 |
| Foremost Signature | $267 |
| Acuity | $279 |
| Dairyland | $297 |
| Liberty Mutual | $310 |
| Kemper | $375 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Average car insurance premiums in Denver by marital status
“Being married helps lower your rates,” says Frey. “Married drivers are safer and less likely to file claims than single individuals.”
On average, drivers who are single in Denver pay nearly 20% more than drivers who are married.
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Cheapest car insurance in Denver: Sun Coast
Sun Coast offers the cheapest liability-only insurance for Denver drivers, at $84 per month. How much you pay depends on many factors, including your location. Insurance companies consider the state or city where you live, and where you drive to and from regularly, when setting your rates.
The following table provides average monthly rates from top insurers in Denver.
| Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Sun Coast | $84 | $231 |
| State Auto | $114 | $259 |
| SafeAuto | $126 | $205 |
| Safeco | $126 | $222 |
| Midvale Home & Auto | $143 | $278 |
| Foremost Signature | $143 | $285 |
| Travelers | $144 | $185 |
| Progressive | $153 | $227 |
| Nationwide | $154 | $227 |
| Bristol West | $157 | $273 |
| The General | $174 | $325 |
| Dairyland | $184 | $365 |
| Direct Auto | $220 | $239 |
| Acuity | $223 | $286 |
| Liberty Mutual | $235 | $341 |
| Kemper | $275 | $421 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How much car insurance do you need in Denver?
Before registering a vehicle, you must provide proof of insurance to the Colorado Department of Motor Vehicles (DMV). You must also provide proof if a police officer asks, such as during a traffic stop. Basic liability-only coverage in Colorado must include:[1]
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
$15,000 per accident for property damage
Keep in mind that these are only the minimum insurance requirements; you may want to consider additional limits to ensure you’re covered in the event of an accident.
Colorado DMV information
At DMV locations around the state, residents can obtain identification cards, driver’s licenses, vehicle registrations, titles, and other services. You can also access many services online, such as vehicle registration renewal and purchasing a Keep Colorado Wild pass.[2]
Tips for getting cheap car insurance in Denver
Many auto insurers offer a price break for bundling with homeowners insurance. Your insurer may also have discounts for being a safe driver, paying your policy in full, signing up for automatic payments, or going paperless.
Many drivers know saving money on car insurance is possible but aren’t sure how to make it happen. Luckily, you have many ways to lower your premiums — and it’s easier than you might think.
Get less insurance coverage for older vehicles. The Insurance Information Institute suggests avoiding collision and comprehensive coverage for older cars worth less than 10 times the premium.[3]
Increase your deductible. Premiums are often significantly lower when deductibles are higher. But keep in mind that you’ll pay more out of pocket each time you file a claim.
Compare car insurance rates. Don’t underestimate the importance of shopping around to get cheaper car insurance. When your policy is coming up for renewal, compare quotes from competing companies to find the best price for your coverage needs.
Learn More: Compare Home and Auto Insurance Bundles
How age affects car insurance rates in Denver
Young drivers, especially those under 25 years old, tend to pay the most for car insurance because they have less driving experience and are more likely to get into accidents.
“Age impacts your rate when you’re young,” says Frey. “But after the individual is 25 or so, age doesn’t impact the rate much.”
The table below outlines what Denver drivers can expect to pay on average each month based on their age group.
| Age Group | Average Monthly Rate |
|---|---|
| Teenagers | $492 |
| Under 25 | $333 |
| 25–29 | $252 |
| 30s | $229 |
| 40s | $213 |
| 50s | $186 |
| 60s | $183 |
| 70s | $192 |
| 80+ | $214 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for young drivers in Denver
Even though young drivers lack driving experience, it’s still possible to find affordable insurance options. SafeAuto offers the cheapest car insurance for young drivers in Denver, with an average of $199 for a full-coverage policy. To help lower premiums, young drivers should ask about discounts for being a good student or leaving their car at home while at school.
| Insurance Company | Average Monthly Rate |
|---|---|
| SafeAuto | $199 |
| Travelers | $202 |
| Sun Coast | $212 |
| Progressive | $233 |
| Nationwide | $239 |
| Foremost Signature | $248 |
| Safeco | $252 |
| Bristol West | $300 |
| State Auto | $313 |
| Direct Auto | $331 |
| Midvale Home & Auto | $332 |
| Liberty Mutual | $333 |
| Dairyland | $336 |
| The General | $367 |
| Acuity | $404 |
| Kemper | $419 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for middle-aged drivers in Denver
Middle-aged drivers generally pay less for car insurance than younger drivers. Sun Coast is the cheapest car insurance for middle-aged drivers in Denver, with an average monthly rate of $146 for full coverage. You may find lower rates by practicing safe driving habits, keeping your driving history clean, and paying your policy in full rather than monthly.
| Insurance Company | Average Monthly Rate |
|---|---|
| Sun Coast | $146 |
| SafeAuto | $151 |
| Progressive | $166 |
| Travelers | $176 |
| Direct Auto | $181 |
| Nationwide | $186 |
| Safeco | $188 |
| Bristol West | $192 |
| Midvale Home & Auto | $216 |
| The General | $234 |
| Foremost Signature | $240 |
| State Auto | $240 |
| Dairyland | $243 |
| Kemper | $264 |
| Liberty Mutual | $283 |
| Acuity | $319 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for senior drivers in Denver
Senior drivers who want to save on car insurance should compare quotes, just like any other age group. SafeAuto is where senior drivers can find the cheapest coverage in Denver, with an average cost of a full-coverage policy at $108 per month. Seniors can ask about discounts to lower premiums even more, like continuous coverage, safe driving, and multi-vehicle discounts.
| Insurance Company | Average Monthly Rate |
|---|---|
| SafeAuto | $108 |
| Progressive | $135 |
| Direct Auto | $147 |
| Sun Coast | $148 |
| Travelers | $154 |
| Nationwide | $154 |
| Safeco | $160 |
| Bristol West | $172 |
| The General | $185 |
| Midvale Home & Auto | $191 |
| Acuity | $193 |
| State Auto | $200 |
| Dairyland | $207 |
| Kemper | $208 |
| Foremost Signature | $223 |
| Liberty Mutual | $256 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How credit scores affect cheap car insurance in Denver
Insurers in Colorado can use your credit score when calculating your premiums. The effect varies from insurer to insurer, but a good score helps two-thirds of customers have lower premiums, according to the Rocky Mountain Insurance Information Association.[4] A good credit score typically falls between 670 and 739.
The table below outlines what you can expect to pay depending on how strong your credit score is.
| Credit Tier | Average Monthly Quote |
|---|---|
| Excellent | $230 |
| Good | $252 |
| Fair | $262 |
| Poor | $260 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Learn More: Car Insurance Rates by Credit Tier
The effect of driving habits on car insurance in Denver
Your driving record is an important factor in determining the cost of your policy. If you’ve had a speeding ticket, at-fault accident, DUI, or another moving violation, you may find it hard to get an affordable rate.
The tables below offer a glimpse into how different driving infractions on your record could increase your insurance rates.
It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.
Cheapest car insurance with an accident in Denver: SafeAuto
If you have an accident on your record, you’ll typically pay more for car insurance than drivers with clean records. After an accident, it can take some time before your insurance rates go back down.
| Insurance Company | Clean Record | With Accident | Difference |
|---|---|---|---|
| Sun Coast | $149 | $226 | +$77 |
| SafeAuto | $163 | $189 | +$26 |
| Travelers | $173 | $197 | +$24 |
| Progressive | $178 | $210 | +$32 |
| Nationwide | $183 | $257 | +$74 |
| Safeco | $190 | $231 | +$41 |
| Direct Auto | $207 | $370 | +$163 |
| Midvale Home & Auto | $220 | $380 | +$160 |
| Bristol West | $222 | $256 | +$34 |
| State Auto | $233 | $587 | +$354 |
| Acuity | $246 | $493 | +$247 |
| Dairyland | $252 | $372 | +$120 |
| Foremost Signature | $253 | $202 | -$51 |
| The General | $254 | $332 | +$78 |
| Kemper | $285 | $437 | +$152 |
| Liberty Mutual | $299 | $292 | -$7 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a DUI in Denver: Progressive
Insurers consider drivers with a DUI on their record to be a major risk, and they charge much higher premiums as a result. Some insurers won’t even offer coverage to drivers with DUIs on their records.
| Insurance Company | Clean Record | With DUI | Difference |
|---|---|---|---|
| Sun Coast | $149 | $207 | +$58 |
| SafeAuto | $163 | $193 | +$30 |
| Travelers | $173 | $245 | +$72 |
| Progressive | $178 | $183 | +$5 |
| Nationwide | $183 | $435 | +$252 |
| Safeco | $190 | $279 | +$89 |
| Direct Auto | $207 | $254 | +$47 |
| Midvale Home & Auto | $220 | $300 | +$80 |
| Bristol West | $222 | $261 | +$39 |
| Dairyland | $252 | $340 | +$88 |
| Foremost Signature | $253 | $263 | +$10 |
| The General | $254 | $361 | +$107 |
| Kemper | $285 | $375 | +$90 |
| Liberty Mutual | $299 | $281 | -$18 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance with a speeding ticket in Denver: SafeAuto
Drivers with a speeding ticket on their record likely won’t pay as much for car insurance as drivers with a DUI or a more serious infraction. But your insurance company could still increase your premium if you have a speeding ticket on your record — especially if you have a history of multiple moving violations.
| Insurance Company | Clean Record | With Speeding Ticket | Difference |
|---|---|---|---|
| Sun Coast | $149 | $238 | +$89 |
| SafeAuto | $163 | $197 | +$34 |
| Travelers | $173 | $214 | +$41 |
| Progressive | $178 | $231 | +$53 |
| Nationwide | $183 | $214 | +$31 |
| Safeco | $190 | $263 | +$73 |
| Direct Auto | $207 | $368 | +$161 |
| Midvale Home & Auto | $220 | $350 | +$130 |
| Bristol West | $222 | $283 | +$61 |
| Dairyland | $252 | $355 | +$103 |
| Foremost Signature | $253 | $223 | -$30 |
| The General | $254 | $392 | +$138 |
| Kemper | $285 | $391 | +$106 |
| Liberty Mutual | $299 | $300 | +$1 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance in other Colorado cities
How much you pay for car insurance can vary greatly from city to city — even within the same state. Here’s a look at auto insurance rates in some other Colorado cities:
Denver driving conditions
You’ll drive through all kinds of conditions over the course of a year in Denver. The warmer months, from mid-June to early September, have the best driving conditions. Roads are generally clear, though you’ll experience some rain that could affect your drive from April through mid-August.
The winter months are a different story. The Mile High City gets 57 inches of snow each year. Snowfall often comes in thick blankets that make driving difficult. The Colorado Department of Transportation (DOT) has winter driving tips, including how to navigate the I-70 mountain corridor.
Auto theft statistics in Denver
Auto theft is a real concern for Denver drivers. In the first 73 days of 2021 alone, Denver police saw approximately 2,345 vehicles stolen — an increase of 145% over the same period from the previous year.[5]
Find local Denver agents
Insurance Town & Country
1735 E. 17th Ave.,
Denver, CO 80218AFI-Almeida Florez Inc.
3900 West 38th Ave,
Denver, CO 80212JJ Insurance Inc
880 Buchtel Blvd,
Denver, CO 80210Moody Insurance Agency
8055 E Tufts Ave,
Denver, CO 80237Bonnie Brae Insurance Agency
179 S. Colorado Blvd,
Denver, CO 80246Kasztl Insurance Agency
1615 California St,
Denver, CO 80202Denver Insurance LLC
1127 Auraria Parkway Suite 22,
Denver, CO 80204Spotlight Insurance Agency
3000 E Bates Avenue,
Denver, CO 80210CRS Insurance Brokerage
6600 E Hampden Ave Ste 200,
Denver, CO 80224-3045Insurance Collective, LLC
1550 Wewatta St,
Denver, CO 80202
Denver car insurance FAQs
Here are answers to some commonly asked questions about car insurance in Denver.
For a minimum-coverage policy, the average premium for car insurance in Denver is $175 per month, or $2,100 yearly. For a full-coverage policy in Denver, drivers pay an average of $294 per month, or $3,528 per year.
State law requires minimum coverage for Colorado drivers. Your policy must have $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $15,000 per accident for property damage.
You’ll get four points on your driver’s license for driving without insurance in Denver. You’ll also face fines and license suspension that increase in severity for each offense. The first offense is a minimum $500 fine, while the third and subsequent offenses carry a $1,000 minimum fine and an eight-month license suspension.[6]
On average, Sun Coast has the cheapest car insurance for liability-only coverage, at $84 per month. State Auto and SafeAuto are two of Denver’s top three cheapest insurers, with averages of $114 and $126 per month, respectively.
Nationwide is the best insurance company in Denver, based on Insurify data. Insurify data scientists calculate an insurer’s Insurify Composite Score (ICS score) using financial strength ratings, customer satisfaction surveys, mobile app reviews, and user-generated company reviews.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado." Accessed December 19, 2022
- Colorado Department of Revenue. "Colorado Department of Revenue." Accessed December 19, 2022
- Insurance Information Institute. "How to save money on car insurance." Accessed December 19, 2022
- Rocky Mountain Insurance Information Association. "Colorado’s Insurance Scoring Law." Accessed December 19, 2022
- Denver.gov. "Auto Thefts on the Rise in Denver." Accessed December 19, 2022
- Rocky Mountain Insurance Information Association. "Uninsured Motorists: Colorado." Accessed December 19, 2022
