Compare Denver, CO Car Insurance Rates (2021)

Car insurance in Denver, CO averages $371 a month. Denver, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Denver car insurance rates, compare quotes from the top car insurance companies in Denver, CO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Denver, CO after a DUI are $5,311/year
  • The cheapest ZIP code in Denver is 80229
  • The cheapest car insurance company in Denver for teen drivers is USAA

If you need to buy Denver, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Denver, CO is right here.

You’ll find Denver car insurance rates, the cheapest Denver, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Denver, Colorado car insurance rates to Denver car insurance rates, Fort Collins car insurance rates, and Lakewood car insurance rates.

Ready to find affordable Denver, CO car insurance today? Enter your ZIP code for fast, free Denver car insurance quotes.

Cheapest Denver, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Denver, CO car insurance rates? Every Denver, Colorado car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Denver, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,693 $3,444 $3,355 $3,385 $13,195 $13,883 $4,013 $4,009
American Family $3,064 $3,064 $2,766 $2,766 $7,423 $9,987 $3,064 $3,747
Farmers $3,425 $3,394 $3,091 $3,346 $13,596 $13,739 $3,765 $3,785
GEICO $2,143 $2,361 $2,328 $2,688 $6,903 $7,265 $1,950 $1,958
Liberty Mutual $2,153 $2,070 $1,837 $2,027 $6,858 $7,474 $2,171 $2,172
Nationwide $2,986 $3,035 $2,671 $2,818 $7,706 $9,843 $3,452 $3,726
Progressive $2,807 $2,618 $2,469 $2,455 $9,905 $11,056 $3,159 $3,060
State Farm $2,370 $2,370 $2,161 $2,161 $7,160 $9,022 $2,665 $3,163
USAA $2,325 $2,302 $2,236 $2,216 $6,083 $6,941 $2,988 $3,223

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Minimum Car Insurance in Denver, CO

Every driver must carry the minimum car insurance in Denver, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car Insurance Coverage in Denver, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Denver, CO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Denver, CO. Compare credit history car insurance rates in Denver from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Denver, Colorado

Insurance Company Poor Fair Good
Allstate $7,825 $6,016 $4,526
American Family $5,815 $4,153 $3,488
Farmers $6,959 $5,689 $5,404
GEICO $4,151 $3,449 $2,748
Liberty Mutual $4,778 $2,933 $2,325
Nationwide $5,476 $4,339 $3,773
Progressive $5,329 $4,557 $4,186
State Farm $5,389 $3,467 $2,797
USAA $5,214 $2,996 $2,408

Cheapest Denver, CO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Denver, CO to rates for a clean record with top companies.

Annual Denver, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,193 $6,000 $7,386 $5,910
American Family $3,328 $4,674 $6,166 $3,772
Farmers $5,077 $6,549 $6,456 $5,988
GEICO $2,400 $3,791 $4,488 $3,119
Liberty Mutual $2,938 $3,439 $3,549 $3,455
Nationwide $3,482 $4,761 $6,043 $3,832
Progressive $4,043 $5,738 $4,268 $4,716
State Farm $3,548 $4,221 $3,884 $3,884
USAA $2,561 $3,153 $5,557 $2,886

Cheapest Denver, CO Car Insurance for Teen Drivers

Teen car insurance in Denver, CO can be expensive. Take a look at rates from the top car insurance companies in Denver for teenagers.

Annual Car Insurance Rates for Teen Drivers in Denver, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,195 $13,883
American Family $7,423 $9,987
Farmers $13,596 $13,739
GEICO $6,903 $7,265
Liberty Mutual $6,858 $7,474
Nationwide $7,706 $9,843
Progressive $9,905 $11,056
State Farm $7,160 $9,022
USAA $6,083 $6,941

Cheapest Denver, CO Car Insurance for Seniors

Take a look at Denver, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Denver, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,355 $3,385
American Family $2,766 $2,766
Farmers $3,091 $3,346
GEICO $2,328 $2,688
Liberty Mutual $1,837 $2,027
Nationwide $2,671 $2,818
Progressive $2,469 $2,455
State Farm $2,161 $2,161
USAA $2,236 $2,216

Cheapest Denver, CO Car Insurance Rates After a DUI

A DUI in Denver, CO increases car insurance rates. Compare Denver, Colorado DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Denver, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,386
American Family $6,166
Farmers $6,456
GEICO $4,488
Liberty Mutual $3,549
Nationwide $6,043
Progressive $4,268
State Farm $3,884
USAA $5,557

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Cheapest Denver, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Denver, CO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Denver, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,122 $6,122
American Family $4,388 $4,582
Farmers $6,018 $6,018
GEICO $3,381 $3,518
Liberty Mutual $3,345 $3,345
Nationwide $4,530 $4,530
Progressive $4,691 $4,691
State Farm $3,787 $3,982
USAA $3,439 $3,640

Cheapest Denver, CO Car Insurance Rates by ZIP Code

Denver car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Denver, CO.

Annual Car Insurance Rates by ZIP Code in Denver, Colorado

ZIP Code Average Annual Rates
80110 $3,902
80202 $4,154
80203 $4,220
80204 $4,313
80205 $4,231
80206 $4,201
80207 $4,194
80208 $4,027
80209 $4,022
80210 $4,061
80211 $4,124
80212 $3,995
80216 $4,183
80218 $4,180
80219 $4,405
80220 $4,302
80221 $3,882
80222 $4,112
80223 $4,392
80224 $4,178
80225 $3,912
80229 $3,853
80230 $4,338
80231 $4,142
80232 $4,013
80236 $4,124
80237 $3,994
80238 $4,060
80239 $4,233
80246 $4,332
80247 $4,292
80249 $3,956
80264 $4,058
80265 $4,091
80266 $4,076
80290 $4,099
80293 $4,063
80294 $4,068
80295 $4,095
80299 $4,063

The Best Cheap Car Insurance Companies in Denver, CO

Take a look at a side-by-side comparison of the top car insurance companies in Denver, CO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Denver, Colorado

Insurance Company Average Annual Rates
Allstate $6,122
American Family $4,485
Farmers $6,018
GEICO $3,450
Liberty Mutual $3,345
Nationwide $4,530
Progressive $4,691
State Farm $3,884
USAA $3,539

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Category Winners: Cheapest Car Insurance in Denver, Colorado

Find the cheapest car insurance companies in Denver, CO for each category right here.

Best Annual Car Insurance Rates by Company in Denver, Colorado

Category Insurance Company
Teenagers USAA
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Cheapest Denver, CO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Denver car insurance rates. Find the cheapest Denver, CO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Denver, Colorado

Insurance Company Low Medium High
Allstate $5,728 $6,096 $6,542
American Family $4,250 $4,575 $4,631
Farmers $5,218 $5,924 $6,910
GEICO $3,029 $3,374 $3,945
Liberty Mutual $3,130 $3,332 $3,574
Nationwide $4,511 $4,535 $4,542
Progressive $4,271 $4,708 $5,093
State Farm $3,580 $3,888 $4,185
USAA $3,362 $3,540 $3,715

What affects car insurance rates in Denver, Colorado?

What factors can have an impact on Denver, CO car insurance? There are several reasons why Denver car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Denver, Colorado.

Commute Time in Denver

The more time you spend in your car the higher the risk of an accident. The average commute length in Denver, CO is 25.9 minutes according to City-Data.

Traffic in Denver

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Denver, CO traffic data from INRIX ranks Denver as the 144th-most congested in the world.

Free Car Insurance Comparison

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Compare Car Insurance Quotes in Denver, CO

Ready to find affordable Denver, Colorado car insurance today? Enter your ZIP code for fast, free Denver, CO car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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