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 $1294 for a six-month policy, which is $207 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

$1294

Avg. Car Insurance in Colorado

$1087

National Average

$1278

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, Farm Bureau is the most expensive, with rates reaching $2036 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	$947	$161
American Family	$1145	$193
American National	$1188	$202
State Farm	$1294	$218
USAA	$1315	$221
Farmers	$1520	$253
Progressive	$1647	$277
Allstate	$2043	$344
Nationwide	$2580	$439
Auto-Owners	$1279	$213
Farm Bureau	$2036	$346

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 $712 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. AutoOwners is the most expensive at $474 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	$262	$44
USAA	$290	$49
Auto-Owners Insurance Co	$332	$56
Farm Bureau	$339	$57
Acuity	$361	$61
State Farm	$382	$64
Progressive	$396	$67
American Family	$411	$69
Farmers	$488	$83
Allstate	$750	$126
Nationwide	$784	$133
Auto-Owners	$474	$79

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	$947	$161
American Family	$1145	$193
American National	$1188	$202
State Farm	$1294	$218
USAA	$1315	$221
Farmers	$1520	$253
Progressive	$1647	$277
Allstate	$2043	$344
Nationwide	$2580	$439
Auto-Owners	$1279	$213
Farm Bureau	$2036	$346

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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

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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 $4184 for a six-month premium, AutoOwners 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
USAA	$1640	$276
American Family	$2551	$430
State Farm	$2601	$438
Progressive	$3096	$521
Allstate	$5210	$869
Nationwide	$8235	$1401
Colorado Farm Bureau Mutual	$1618	$275
Farmers	$10440	$1758
Auto-Owners	$4184	$712

Teen Car Insurance Rates in CO by Age

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 AutoOwners, offering rates of around $3873 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$332	$56
Acuity	$509	$87
Farmers	$601	$100
American Family	$1654	$278
Progressive	$2191	$369
USAA	$2453	$417
Nationwide	$3916	$652
Allstate	$4347	$739
State Farm	$7564	$1260
Auto-Owners	$3873	$658

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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. AutoOwners is an expensive provider with an average six-month premium of $2128.

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	$919	$155
USAA	$1053	$177
American Family	$1399	$236
Progressive	$1958	$330
Allstate	$4015	$683
Nationwide	$4524	$754
Colorado Farm Bureau Mutual	$1110	$189
Farmers	$3895	$656
Auto-Owners	$2128	$355

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 for a six month policy. While the rate increases by for a six-month policy in the case of a speeding ticket.

Denver auto insurance quotes by violations

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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 $2644 with companies like AutoOwners.

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	$64
Farmers	$587	$100
Progressive	$1188	$200
State Farm	$1435	$242
USAA	$1527	$257
American Family	$1618	$273
Allstate	$3443	$574
Nationwide	$6107	$1039
Colorado Farm Bureau Mutual	$1131	$193
Auto-Owners	$2644	$450

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 $1329 with companies like AutoOwners 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	$1082	$182
American Family	$1145	$193
USAA	$1520	$258
Progressive	$1760	$296
Allstate	$2863	$487
Nationwide	$3732	$622
Farmers	$4871	$828
Auto-Owners	$1329	$226

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 dipped by $267 in February compared to $309 of January. In other words, there has been an decrease by $42 when you compare February and January.

The average cost of liability insurance in the Denver rose to $64 in February, compared to $57 in January. This represents an increase of $7 when comparing February and January.

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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 $1371 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	$1371	$230
80218	$1306	$219
80239	$1345	$226
80223	$1306	$219
80222	$1319	$222
80221	$1332	$224
80220	$1332	$224
80227	$1332	$224
80249	$1319	$222
80205	$1332	$224
80204	$1332	$224
80226	$1332	$224
80203	$1306	$219
80247	$1319	$222
80246	$1306	$219
80202	$1306	$219
80224	$1306	$219
80260	$1332	$224
80209	$1319	$222
80229	$1358	$228
80207	$1319	$222
80206	$1319	$222
80228	$1332	$224
80234	$1319	$222
80212	$1306	$219
80233	$1345	$226
80211	$1332	$224
80232	$1319	$222
80210	$1332	$224
80231	$1332	$224
80238	$1306	$219
80216	$1306	$219
80237	$1306	$219
80215	$1306	$219
80236	$1306	$219
80214	$1319	$222
80235	$1293	$217
80230	$1293	$217

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 $1087 for a six-month policy. It will cost around $218 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.