Average car insurance cost in Denver
Full coverage car insurance in Denver costs an average of $3,600 per year, or $300 per month, for 100/300/100 liability limits and $500 deductibles. State minimum coverage averages $714 annually, but it provides less financial protection because it does not cover damage to your vehicle.
Full coverage car insurance may cost more than the state minimum, but it offers valuable protection beyond just covering damage to other drivers' vehicles. Unlike the state minimum, full coverage includes damage to your vehicle in addition to liability coverage.
You can lower your full coverage premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. by comparing quotes from different carriers.
| Average 6 month premium | $1,800 |
| Average annual premium | $3,600 |
| State minimum premium | $714 |
Cheapest car insurance companies in Denver
GEICO is the cheapest car insurance company in Denver, with an average full coverage rate of $2,139 per year. Auto-Owners is the second-cheapest insurer in our comparison. Because each company calculates risk differently, comparing quotes for the same coverage can help you find a lower rate.
Car insurance prices differ based on where you live, your driving history, coverage limits, and your insurance provider. To find the best deal on auto insurance, it's wise to compare quotes from various companies.
Below are the companies that offer cheap car insurance to drivers in Denver.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,069 | $2,139 |
| Auto-Owners | $1,503 | $3,007 |
| Kemper | $1,528 | $3,056 |
| Progressive | $1,674 | $3,349 |
| Southern Farm Bureau | $1,924 | $3,849 |
| Farmers | $2,063 | $4,126 |
| Allstate | $2,160 | $4,321 |
| State Farm | $2,433 | $4,867 |
| Acuity Insurance | $2,548 | $5,097 |
| USAA | $1,095 | $2,189 |
Cheapest car insurance cost in Denver by age group
The cheapest car insurance company in Denver varies by age because insurers price policies in part based on driving experience and expected claimAn insurance claim is a request you make to your insurance company for coverage after your car is damaged or you have an accident. You can file a claim online, by phone, or in writing. risk. Southern Farm Bureau is cheapest for teens, GEICO for young adults, GEICO for adults, and GEICO for seniors in our rate analysis.
Take a look at the cheapest companies in Denver by age group:
- Cheapest for teens: Southern Farm Bureau
- Cheapest for young adults: GEICO
- Cheapest for adults: GEICO
- Cheapest for seniors: GEICO
Teen drivers pay the highest insurance rates because they have the least driving experience and a higher likelihood of accidents. Southern Farm Bureau offers the cheapest car insurance for teens at $7,421 per year.
GEICO offers the most affordable auto insurance for young adults at $3,182 annually. Young adults typically see lower rates than teens but still pay more than older drivers. While they have more experience, statistics show they are more likely to engage in risky driving behaviors.
Adult drivers pay the lowest car insurance premiums because they have more driving experience and a lower risk of accidents. GEICO provides the lowest car insurance rates at $2,112 per year for adult drivers in Denver.
GEICO offers the least expensive car insurance for senior drivers in Denver, at $2,245 per year. Insurance rates for senior drivers increase slightly due to factors like slower reaction times and higher accident risks.
| Company | Teens | Young adults | Adults | Seniors |
|---|---|---|---|---|
| GEICO | $7,534 | $3,182 | $2,112 | $2,245 |
| Auto-Owners | $8,833 | $5,371 | $3,076 | $3,419 |
| Kemper | $10,534 | $5,493 | $3,094 | $3,316 |
| Progressive | $15,483 | $5,374 | $3,317 | $2,807 |
| Farmers | $19,016 | $5,222 | $3,910 | $3,927 |
| Southern Farm Bureau | $7,421 | $5,734 | $4,053 | $4,390 |
| Allstate | $11,135 | $6,214 | $4,405 | $4,195 |
| State Farm | $13,781 | $7,816 | $4,885 | $4,616 |
| Acuity Insurance | $30,293 | $7,151 | $5,177 | $4,932 |
| USAA | $8,033 | $3,632 | $2,214 | $2,275 |
Cheapest car insurance companies in Denver by driver profile
The cheapest car insurance company in Denver depends on the driver's record and credit profile. GEICO is cheapest after an at-fault accident, Progressive after a DUI, and Auto-Owners after a speeding ticket. Comparing insurers is especially important after a violation.
Below are some of the cheapest car insurance companies in Denver by driver profile.
- Cheapest for poor credit: GEICO
- Cheapest for an at-fault accident: GEICO
- Cheapest for a DUI: Progressive
- Cheapest for a driver with a speeding ticket: Auto-Owners
Cheapest for a driver with poor credit: GEICO
GEICO is the most affordable car insurance for drivers with poor credit. On average, drivers in Denver pay about $3,213 per year for it.
Here are some car insurance companies that offer cheap car insurance rates for drivers with poor credit in Denver.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,607 | $3,213 |
| Kemper | $2,425 | $4,849 |
| Progressive | $2,966 | $5,932 |
| Allstate | $3,672 | $7,344 |
| Farmers | $4,052 | $8,105 |
| Auto-Owners | $4,768 | $9,536 |
| State Farm | $9,164 | $18,327 |
| USAA | $2,295 | $4,589 |
Cheapest auto insurance after an at-fault accident: GEICO
In Denver, GEICO offers the cheapest car insurance for drivers with an at-fault accident at $3,835 annually. An at-fault accident increases car insurance rates because it indicates that you are a higher risk for another accident. But some companies offer lower prices than others.
The table below shows the most affordable car insurance companies for drivers with an at-fault accident in Denver.
| company | Average 6 month premium | Average annual premium |
|---|---|---|
| GEICO | $1,917 | $3,835 |
| Kemper | $2,074 | $4,148 |
| Auto-Owners | $2,111 | $4,222 |
| Progressive | $2,661 | $5,322 |
| State Farm | $2,812 | $5,623 |
| Allstate | $3,087 | $6,174 |
| Farmers | $3,172 | $6,343 |
| USAA | $1,603 | $3,206 |
Cheapest auto insurance after a DUI: Progressive
Progressive offers the cheapest car insurance rates for drivers with a first-offense DUI/DWI on their driving record. The average rate is $4,119 per year, making it the cheapest option amongst all the companies analyzed.
A DUI significantly increases your auto insurance premiums. But rates can be reduced over time by maintaining a clean driving record or completing a state-approved defensive driving course.
Here are the cheapest car insurance companies for drivers with a DUI in Denver.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Progressive | $2,060 | $4,119 |
| GEICO | $2,213 | $4,425 |
| Auto-Owners | $2,478 | $4,956 |
| State Farm | $2,615 | $5,229 |
| Allstate | $2,705 | $5,410 |
| Kemper | $3,359 | $6,717 |
| Farmers | $3,989 | $7,978 |
| USAA | $2,311 | $4,623 |
Cheapest for drivers with a speeding ticket: Auto-Owners
Auto-Owners offers the cheapest car insurance at $3,448 in Denver for drivers with a speeding ticket on their driving records. Getting a speeding ticket can raise your car insurance rates, but some companies offer lower premiums than others.
Here are the companies offering cheap auto insurance for drivers with a speeding ticket.
| Company | Average 6 month premium | Average annual premium |
|---|---|---|
| Auto-Owners | $1,724 | $3,448 |
| GEICO | $1,879 | $3,758 |
| Kemper | $2,040 | $4,080 |
| Progressive | $2,218 | $4,435 |
| Allstate | $2,338 | $4,677 |
| State Farm | $2,615 | $5,229 |
| Farmers | $3,457 | $6,915 |
| USAA | $1,363 | $2,726 |
Car insurance discounts for Denver drivers
The largest available car insurance discount in Denver is Years Insured, which provides average savings of 35% through American National. Savings and eligibility vary by insurer, but drivers may also qualify for safe-driving, good-student, bundling, vehicle-safety, and payment-related discounts.
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Here are some of the car insurance discounts insurers offer to Denver drivers and how much you could save on average.
| Category | Company | Premium before discount | Premium after discount | % Discount | $ Difference |
|---|---|---|---|---|---|
| Air Bags | GEICO | $2,249 | $2,230 | 1% | $19 |
| Air Bags | Auto-Owners | $2,725 | $2,673 | 2% | $52 |
| Air Bags | Allstate | $3,970 | $3,917 | 1% | $53 |
| Anti-Theft Device | GEICO | $2,249 | $2,227 | 1% | $22 |
| Comp and Coll Deductibles | GEICO | $2,249 | $1,969 | 12% | $280 |
| Comp and Coll Deductibles | Auto-Owners | $2,725 | $2,627 | 4% | $98 |
| Comp and Coll Deductibles | Progressive | $3,045 | $2,640 | 13% | $405 |
| Comp and Coll Deductibles | Southern Farm Bureau | $3,298 | $3,062 | 7% | $236 |
| Comp and Coll Deductibles | Farmers | $3,615 | $3,373 | 7% | $242 |
| Comp and Coll Deductibles | Allstate | $3,970 | $3,570 | 10% | $400 |
| Comp and Coll Deductibles | State Farm | $4,435 | $4,143 | 7% | $292 |
| Daily Commute | Auto-Owners | $2,725 | $2,577 | 5% | $148 |
| Days Advanced Purchase | Farmers | $3,615 | $3,256 | 10% | $359 |
| Days Advanced Purchase | Allstate | $3,970 | $3,591 | 10% | $378 |
| Education | GEICO | $2,249 | $1,730 | 23% | $519 |
| Education | Progressive | $3,045 | $2,889 | 5% | $156 |
| Electronic Funds Transfer | Southern Farm Bureau | $3,298 | $3,133 | 5% | $164 |
| Electronic Funds Transfer | Farmers | $3,615 | $3,543 | 2% | $72 |
| Electronic Funds Transfer | Allstate | $3,970 | $3,758 | 5% | $212 |
| Electronic Signature | Progressive | $3,045 | $2,739 | 10% | $306 |
| Homeowner | Auto-Owners | $2,725 | $2,537 | 7% | $188 |
| Homeowner | Progressive | $3,045 | $2,960 | 3% | $85 |
| Homeowner | Farmers | $3,615 | $3,261 | 10% | $354 |
| Homeowner | Allstate | $3,970 | $3,740 | 6% | $230 |
| Lower Annual Mileage | GEICO | $2,249 | $2,169 | 4% | $80 |
| Lower Annual Mileage | Progressive | $3,045 | $2,914 | 4% | $131 |
| Lower Annual Mileage | State Farm | $4,435 | $4,001 | 10% | $434 |
| Loyalty - Years Renewal With Company | GEICO | $2,249 | $2,160 | 4% | $89 |
| Loyalty - Years Renewal With Company | Progressive | $3,045 | $2,884 | 5% | $161 |
| Loyalty - Years Renewal With Company | Southern Farm Bureau | $3,298 | $3,080 | 7% | $217 |
| Loyalty - Years Renewal With Company | Farmers | $3,615 | $3,595 | 1% | $20 |
| Loyalty - Years Renewal With Company | State Farm | $4,435 | $4,051 | 9% | $384 |
| Marital Status | Progressive | $3,045 | $2,587 | 15% | $458 |
| Marital Status | Southern Farm Bureau | $3,298 | $3,065 | 7% | $232 |
| Marital Status | Farmers | $3,615 | $3,477 | 4% | $138 |
| Marital Status | Allstate | $3,970 | $3,910 | 2% | $60 |
| Multi Policy | GEICO | $2,249 | $2,157 | 4% | $92 |
| Multi Policy | Auto-Owners | $2,725 | $2,497 | 8% | $228 |
| Multi Policy | Progressive | $3,045 | $2,831 | 7% | $214 |
| Multi Policy | Southern Farm Bureau | $3,298 | $2,900 | 12% | $398 |
| Multi Policy | Farmers | $3,615 | $3,192 | 12% | $424 |
| Multi Policy | Allstate | $3,970 | $3,595 | 9% | $375 |
| Multi Policy | State Farm | $4,435 | $3,949 | 11% | $486 |
| Paperless/Electornic Documents | Progressive | $3,045 | $3,017 | 1% | $28 |
| Paperless/Electornic Documents | Southern Farm Bureau | $3,298 | $3,265 | 1% | $32 |
| Paperless/Electornic Documents | Farmers | $3,615 | $3,501 | 3% | $114 |
| Paperless/Electornic Documents | Allstate | $3,970 | $3,818 | 4% | $151 |
| Payment Type | Auto-Owners | $2,725 | $2,296 | 16% | $429 |
| Payment Type | Farmers | $3,615 | $3,436 | 5% | $180 |
| Payment Type | Allstate | $3,970 | $3,563 | 10% | $407 |
| Primary Use | Auto-Owners | $2,725 | $2,435 | 11% | $291 |
| Primary Use | Southern Farm Bureau | $3,298 | $2,836 | 14% | $461 |
| Primary Use | Progressive | $3,045 | $2,944 | 3% | $101 |
| Primary Use | Allstate | $3,970 | $3,760 | 5% | $210 |
| Primary Use | State Farm | $4,435 | $3,924 | 12% | $511 |
| Profession | Progressive | $3,045 | $2,473 | 19% | $572 |
| Safety Devices | GEICO | $2,249 | $2,207 | 2% | $42 |
| Safety Devices | Auto-Owners | $2,725 | $2,614 | 4% | $111 |
| Safety Devices | Progressive | $3,045 | $2,946 | 3% | $99 |
| Safety Devices | Allstate | $3,970 | $3,802 | 4% | $168 |
| Telematics | Progressive | $3,045 | $2,662 | 13% | $383 |
| Telematics | Allstate | $3,970 | $3,667 | 8% | $303 |
| Telematics | State Farm | $4,435 | $4,089 | 8% | $346 |
| Years Insured | GEICO | $2,249 | $1,803 | 20% | $446 |
| Years Insured | Progressive | $3,045 | $2,310 | 24% | $735 |
| Years Insured | Auto-Owners | $2,725 | $2,700 | 1% | $26 |
| Years Insured | Southern Farm Bureau | $3,298 | $2,747 | 17% | $550 |
| Years Insured | Allstate | $3,970 | $2,970 | 25% | $1,000 |
| Years Insured | Farmers | $3,615 | $3,178 | 12% | $438 |
| Air Bags | USAA | $2,201 | $2,187 | 1% | $14 |
| Anti-Theft Device | USAA | $2,201 | $2,094 | 5% | $107 |
| Days Advanced Purchase | USAA | $2,201 | $2,093 | 5% | $107 |
| Electronic Funds Transfer | USAA | $2,201 | $2,142 | 3% | $59 |
| Lower Annual Mileage | USAA | $2,201 | $2,045 | 7% | $155 |
| Marital Status | USAA | $2,201 | $1,986 | 10% | $214 |
| Multi Policy | USAA | $2,201 | $2,118 | 4% | $82 |
| Primary Use | USAA | $2,201 | $1,916 | 13% | $285 |
| Safety Devices | USAA | $2,201 | $2,175 | 1% | $25 |
| Years Insured | USAA | $2,201 | $1,926 | 12% | $275 |
How to get cheap car insurance in Denver in 2026
To find cheap car insurance in Denver in 2026, compare several insurers using the same limits and deductibles, request every eligible discount, and choose the highest deductibleThe deductible is the amount you pay out of pocket for a covered loss when you file a claim. that you can afford. A clean driving history, an affordable vehicle, and regular policy reviews can also help keep premiums under control.
Find affordable car insurance in Denver by following these smart strategies:
- Compare quotes from multiple insurers. Different insurance companies offer different rates, so it's important to shop around. Get quotes from at least three providers and compare coverage rates to find the best deal.
- Take advantage of discounts. Look for discounts for safe drivers, good students, bundling multiple policies (such as auto and home insurance), installing safety or anti-theft devices in your car, or paying your premium in full instead of monthly.
- Choose a higher deductible. A higher deductible means you'll pay more out of pocket in case of a claim, but it also lowers your monthly premium. Make sure you can afford the one you picked.
- Maintain a good driving record. Safe driving can help you qualify for lower rates. Avoid speeding tickets, accidents, and other violations to keep your insurance costs down.
- Drive a car that's cheaper to insure. Some cars cost more to insure than others. Vehicles with high safety ratings and lower repair costs usually have lower insurance premiums.
- Consider state minimum coverage (if appropriate). If you have an older car that isn't worth much, you might save money by choosing a basic liability policy instead of full coverage. However, make sure you meet the legal requirements in Denver.
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
Rates for drivers with poor credit, speeding tickets, DUI, and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
FAQ: Cheap Car Insurance in Denver
How much does car insurance cost in Denver?
Car insurance costs $3,600 per year on average, or about $300 monthly for full coverage in Denver. This average is based on 100/300/100 liability limits with $500 deductibles, but your final price depends on your driving profile and coverage choices.
Do you need full coverage car insurance in CO?
No, you don't legally need full coverage in CO, but you will be required to carry it if you're financing or leasing your car. If you own your vehicle outright, you can choose whether the extra protection is worth the higher cost based on your financial situation.
How can you get cheaper car insurance in Denver?
You can reduce your car insurance costs in Denver by comparing at least three quotes, increasing your deductible if you can afford it, and asking about all available discounts. Keeping a clean driving record and reviewing your policy at renewal can also help you consistently save money.
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