The average cost of full coverage car insurance in Denver is $2,173, which is $321 more expensive per year than the Colorado state average. But despite the higher rates, drivers in Denver can still find ways to save money on their car insurance coverage.
The best way to find your most affordable rates is to shop around and compare options before you buy a policy. Policygenius makes it easy to compare options from multiple companies so you can choose the right coverage for you.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Denver, CO
Car insurance rates vary based on lots of factors, like your age, address, driving history and any past claims. But rates can also vary from company to company, which is why it’s important to shop around before picking a policy.
Company | Average cost | JD Power Rating |
|---|---|---|
American National | $1,005 | -- |
GEICO | $1,165 | 874 |
USAA | $1,346 | 890 |
State Farm | $1,468 | 882 |
Farm Bureau | $1,698 | -- |
Cheapest car insurance rates by ZIP code in Denver, CO
Companies use your ZIP code to determine the risk factors in your area. Neighborhoods with higher rates of accidents and claims, or more reported car thefts, will have higher average car insurance rates.
ZIP code | Average cost |
|---|---|
80123 | $1,967 |
80235 | $2,070 |
80237 | $2,091 |
80212 | $2,107 |
80264 | $2,111 |
80238 | $2,111 |
80266 | $2,113 |
80202 | $2,117 |
80299 | $2,130 |
80209 | $2,135 |
Choosing the right car insurance company in Denver, CO
There’s no one right car insurance company for every driver, which is why it’s so important to shop around and compare rates from multiple companies before picking a policy. Policygenius makes it easy to compare options from top companies, so you can feel confident you’re making the right choice.
Car insurance rates for drivers with driving violations in Denver, CO
Any accidents or violations on your driving record will mean higher rates, but some violations, like a DUI or an at-fault accident, will have a bigger impact than others.
Violation | American National | GEICO | USAA | State Farm | Farm Bureau |
|---|---|---|---|---|---|
At-fault accident | $1,524 | $2,036 | $2,037 | $1,730 | $2,282 |
DUI | $1,624 | $2,339 | $2,989 | $1,610 | $2,286 |
Suspended license | $1,756 | $1,856 | $2,811 | $1,610 | $2,286 |
Open container | $1,524 | $1,620 | $2,243 | $1,610 | $2,286 |
Expired registration | $1,271 | $1,290 | $1,789 | $1,610 | $2,170 |
Driving without lights | $1,271 | $1,624 | $1,584 | $1,610 | $2,170 |
Running a red light | $1,271 | $1,624 | $1,789 | $1,610 | $2,170 |
Following too closely | $1,271 | $1,624 | $1,789 | $1,610 | $2,170 |
Hit and run | $1,756 | $2,678 | $3,176 | $1,610 | $2,286 |
Not-at-fault accident | $1,094 | $1,214 | $1,438 | $1,489 | $1,871 |
Passing a school bus | $1,463 | $1,624 | $2,243 | $1,610 | $2,170 |
Reckless driving | $1,756 | $2,678 | $2,243 | $1,610 | $2,286 |
Speeding | $1,271 | $2,678 | $1,789 | $1,610 | $2,470 |
Cheapest car insurance for drivers with a DUI in Denver, CO
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $1,610 |
American National | $1,624 |
Farm Bureau | $2,286 |
GEICO | $2,339 |
USAA | $2,989 |
Cheapest car insurance for drivers with a speeding ticket in Denver, CO
Company | Rates for drivers with speeding tickets |
|---|---|
American National | $1,271 |
State Farm | $1,610 |
USAA | $1,789 |
Farm Bureau | $2,470 |
GEICO | $2,678 |
Cheapest car insurance for drivers with bad credit in Denver, CO
Drivers with low credit scores will pay more for car insurance coverage, so if you’re a Denver driver with bad credit, it’s all the more important to shop around to find your most affordable rates.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,645 |
USAA | $2,860 |
State Farm | $2,915 |
Nationwide | $2,997 |
California Casualty | $3,567 |
Buying car insurance in Denver, CO
Denver drivers must have the minimum amounts of car insurance coverage required in Colorado. The state requires the following minimum coverage levels for car insurance.
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $15,000
It is important to remember that the minimum coverage set by the state is sufficient to legally operate a motor vehicle, but may not be sufficient to completely cover the damages in an accident. Most drivers will require higher coverage limits.
How to get cheap car insurance in Denver, CO
Compare costs: Shop around before picking a policy to make sure you’re finding the most affordable coverage out there.
Find discounts: You can save money by paying your premium up front as opposed to monthly billing, as well as having a membership in some buying clubs and fraternal organizations.
Bundle coverage: Get your home and auto insurance from the same company and save on both policies.
Looking for home insurance? Find the best homeowners insurance in Denver
Frequently asked questions
Is car insurance mandatory in Colorado?
Yes. A conviction for driving without insurance in Colorado will result in points on your driver’s license, a minimum fine of $500 for the first offense, and license suspension.
Is Colorado an at-fault or a no-fault state?
Colorado is an at-fault state, which means the driver who is determined to be at fault in an accident is responsible for paying all bodily injury and property damage costs in an accident, even if they don't have enough insurance to cover those costs.
Is car insurance expensive in Colorado?
Drivers in Colorado pay an average of $1,852 per year for car insurance, which is more expensive than the national average cost of $1,622 per year. The best way for drivers in Colorado to save money on their car insurance is to compare quotes from multiple insurance companies.
How much is car insurance per month in Denver?
The average cost of car insurance in Denver is $181 per month, or $2,173 per year.
