The best car insurance in Denver, CO

The average cost of full coverage car insurance in Denver is $2,049, significantly higher than the Colorado state average of $1,751. 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.

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.

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	$1,850
80202	$2,000
80203	$2,041
80204	$2,113
80205	$2,072
80206	$2,073
80207	$2,066
80208	$2,061
80209	$2,007
80210	$2,039
80211	$2,065
80212	$1,994
80216	$2,063
80218	$2,044
80219	$2,245
80220	$2,090
80222	$2,058
80223	$2,201
80224	$2,064
80225	$2,012
80230	$2,112
80231	$2,042
80235	$1,946
80236	$2,043
80237	$1,969
80238	$1,997
80239	$2,170
80246	$2,084
80247	$2,135
80249	$2,116
80262	$2,013
80264	$2,001
80265	$2,052
80266	$1,985
80290	$2,029
80293	$2,023
80294	$2,016
80295	$2,029
80299	$2,003

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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	Colorado Farm Bureau
At-fault accident	$1,404	$2,036	$1,923	$1,671	$2,317
DUI	$1,588	$2,339	$2,849	$1,551	$2,309
Suspended license	$1,674	$1,856	$2,672	$1,551	$2,309
Open container	$1,404	$1,620	$2,121	$1,551	$2,309
Expired registration	$1,210	$1,290	$1,684	$1,551	$2,195
Driving without lights	$1,210	$1,624	$1,493	$1,551	$2,195
Not showing documents	$1,210	$1,290	$1,684	$1,551	$2,195
Running a red light	$1,210	$1,624	$1,684	$1,551	$2,195
Failure to yield	$1,308	$1,624	$1,684	$1,551	$2,502
Following too closely	$1,210	$1,624	$1,684	$1,551	$2,195
Hit and run	$1,674	$2,513	$3,036	$1,551	$2,309
Illegal turn	$1,210	$1,624	$1,684	$1,551	$2,195
Improper passing	$1,308	$1,624	$1,684	$1,551	$2,195
Not-at-fault accident	$1,065	$1,214	$1,352	$1,432	$1,899
Passing a school bus	$1,308	$1,624	$2,121	$1,551	$2,195
Racing	$1,674	$2,678	$2,849	$1,551	$2,309
Reckless driving	$1,674	$2,678	$2,121	$1,551	$2,309
Speeding	$1,210	$2,678	$1,684	$1,551	$2,502

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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.

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

Methodology

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.