The best car insurance in Denver, CO

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Ed Zuccarelli

Ed Zuccarelli

Freelance contributor

Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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Michael Reynolds, CSRIC®, AIF®, CFT-I™

Michael Reynolds, CSRIC®, AIF®, CFT-I™

Financial Advisor

Michael Reynolds, CSRIC®, AIF®, CFT-I™, is a financial advisor, principal and founder of Elevation Financial, host of the weekly personal finance podcast Wealth Redefined®, and a member of the Financial Review Council at Policygenius.

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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.

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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.

Key takeaways

  • Colorado requires at least $25,000 per person/$50,000 per accident in bodily injury liability coverage and at least $15,000 in property damage liability coverage.

  • American National is the cheapest company in Denver with an average rate of $969 a year.

  • 80235 is the cheapest ZIP code in Denver for car insurance.

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

$969

--

GEICO

$1,165

871

USAA

$1,266

890

State Farm

$1,411

881

Colorado Farm Bureau

$1,726

--

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

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

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

$2,857

Nationwide

$2,876

State Farm

$2,912

Kemper

$3,467

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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 $1,751 per year for car insurance, which is slightly higher than the national average. 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 full coverage car insurance in Denver is $2,049 per year, which breaks down to $170.75 per month.

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.

Authors

Freelance contributor

Ed Zuccarelli

Freelance contributor

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Ed Zuccarelli is a freelance writer and former police officer whose law enforcement experience made him an expert in motor vehicle law and the car insurance industry.

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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