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Cheap Auto Insurance Quotes in Denver, CO (May 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Jenny Beeler
Last Updated February 4, 2022
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Quick Facts
- The average cost of car insurance in Denver is $236 per month, or $2832 annually.
- Car insurance in Denver is $49 more than the average cost of car insurance in Colorado.
- The cheapest car insurance provider in Denver on average is Sun Coast, but you should always compare quotes to find your best personal rate.
Car Insurance in Denver, CO
The average cost of Colorado car insurance changes depending on a number of factors, including which auto insurance company is used, an individual’s driving and credit history, and coverage levels. Average rates also vary city by city, so Insurify has calculated the cheapest rates available in Denver to help you decide what coverage and provider are right for you.
Quotes by Top Companies
Sun Coast$175
Progressive$178
Bristol West$185
Travelers$188
SafeAuto$194
Cheapest Car Insurance in Denver, CO
The cost of auto insurance will always depend on location, age, and an individual’s driving history. Insurify compiled a list of the cheapest car insurance companies currently available for Colorado drivers in Denver. The average rates provided in the chart below range from $185 to $267 a month.
| Insurance Provider in Denver | Quotes |
|---|---|
| Sun Coast | $175 /mo |
| Progressive | $178 /mo |
| Bristol West | $185 /mo |
| Travelers | $188 /mo |
| SafeAuto | $194 /mo |
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Best Car Insurance in Denver, CO
Numerous factors contribute to the Insurify Composite Score (ICS) calculation, including the insurance company’s quality, reliability, customer satisfaction, reviews, and more. The chart below includes the best insurance providers available in Denver based on the ICS and costs of car insurance coverage to ensure Denver drivers find the best auto insurance rates available.
| Best Companies | Score | Quotes |
|---|---|---|
| Nationwide | 89 | $225 /mo |
| Safeco | 86 | $211 /mo |
| Liberty Mutual | 82 | $295 /mo |
| Travelers | 80 | $188 /mo |
| State Auto | 76 | $221 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Colorado Cities | |
|---|---|
| Colorado Springs | $215/mo |
| Aurora | $228/mo |
| Fort Collins | $142/mo |
| Arvada | $219/mo |
| Denver | $236/mo |
| Colorado | $208/mo |
Fort Collins$142
Average for CO$208
Colorado Springs$215
Arvada$219
Aurora$228
Denver$236
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in CO
Studies on the relationship between driver behavior and increasingly lax state laws on marijuana in Colorado have led to inconclusive results; however, marijuana-impaired highway deaths are reportedly in decline.
Colorado's minimum liability car insurance limits are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Denver Car Insurance Rates by Driver Age
Cheaper car insurance coverage comes with age. For teens and drivers under 25, car insurance policies—including liability insurance, collision coverage, and comprehensive coverage—cost more than prices for older, more experienced drivers. Prices decrease with age until around 60, before slowly increasing again. The chart below has information for Colorado drivers of all ages.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| Teens | $411 |
| Under 25 | $345 |
| 20s | $259 |
| 30s | $197 |
| 40s | $178 |
| 50s | $158 |
| 60s | $150 |
| 70s | $164 |
| 80+ | $183 |
Denver Car Insurance Rates by Driving and Accident History
The cost of motorist coverage depends on an individual’s driving history and accident record. At-fault car accidents, speeding tickets, failure-to-stop incidents, DUIs, and other motor vehicle incidents increase the costs of an insurance policy. Alternatively, drivers with records free of accidents, property damage, bodily injury, and more will pay less on monthly premiums.
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $239 |
| Speeding Ticket | $305 |
| At-Fault Accident | $304 |
| Failure to Stop | $285 |
| DUI | $257 |
Denver Car Insurance Rates by Credit Tier
Similar to a person’s driving record, a driver’s credit history influences monthly insurance premiums. Car insurance companies, like homeowners insurance providers, view credit history as an indication of payment reliability. Those with excellent credit scores benefit in finding the cheapest auto insurance, while those with average or poor scores often end up paying more.
| Credit Tier | Avg. Monthly Cost |
|---|---|
| Excellent | $235 |
| Good | $258 |
| Average | $261 |
| Poor | $257 |
See More: Bad Credit Car Insurance Colorado
Find local Denver agents
Insurance Town & Country
1735 E. 17th Ave.,
Denver, CO 80218AFI-Almeida Florez Inc.
3900 West 38th Ave,
Denver, CO 80212JJ Insurance Inc
880 Buchtel Blvd,
Denver, CO 80210Moody Insurance Agency
8055 E Tufts Ave,
Denver, CO 80237Bonnie Brae Insurance Agency
179 S. Colorado Blvd,
Denver, CO 80246Kasztl Insurance Agency
1615 California St,
Denver, CO 80202Denver Insurance LLC
1127 Auraria Parkway Suite 22,
Denver, CO 80204Spotlight Insurance Agency
3000 E Bates Avenue,
Denver, CO 80210CRS Insurance Brokerage
6600 E Hampden Ave Ste 200,
Denver, CO 80224-3045Insurance Collective, LLC
1550 Wewatta St,
Denver, CO 80202
Denver DMV Information
Within Denver, there are five different in-person Department of Motor Vehicles branches, labeled Northwest, Northeast, Southwest, Southeast, and Tremont. For the convenience of those who cannot make it in person, many services provided at these locations can also be completed online at the official website for the city of Denver or through the mail.
Services accessed outside of the in-person offices include registration renewals, address updates, license plate and sticker replacements, and vehicle registrations in some cases. Colorado requires emissions testing in Denver and other counties, which is available through the Denver DMV branches. More information is available on the city of Denver website.
Public Transportation in Denver
Both a bus and a rail system are available in Denver, which makes some in-city travel possible without your own car. For instance, both locals and tourists utilize a completely free service called the 16th Street Mall Ride to travel downtown. The RTD light-rail is another option that provides access from the city to other nearby neighborhoods, with 11 separate tracks.
Other methods for transportation are available as well. Taxis and shuttle services are of course available, as well as rideshare options like Uber and Lyft. Bikeshare is another fun option, with bikes available from both Lime and its city-funded equivalent Denver B-Cycle.
How to Get the Cheapest Car Insurance in Denver
Car insurance can be a strain on your finances, but finding a coverage plan that works for you, even if it is simply Colorado’s required minimum coverage, is crucial. Underinsured and uninsured motorists risk large fees in the event of an accident. A full-coverage policy is not necessary but includes important liability coverage to cover costs of potential medical payments.
Liability insurance can be purchased on its own, whether or not you settle for the state minimum liability for bodily injury liability and property damage liability. Coverage limits and costs of deductibles depend on a number of factors, which is why Insurify offers a simple way to compare the cheapest coverage in Denver for your specific needs at your convenience.
FAQs - Denver, CO Car Insurance
Count on Insurify to help! We crunched the numbers to help you find the cheapest car insurance available in Denver so you don’t have to, providing information for you regardless of driving history. Whether you have a perfect record or have a speeding ticket, at-fault accident, failure to stop, or DUI on record, you can compare average monthly quotes here from the top companies.
As always, the cost of car insurance in Denver depends on the insurance providers and needed coverage. For instance, personal injury protection is not required in the state. The individual’s driving and personal history, including accident history, credit history, marital status, and age, impact costs. The cheapest coverage we’ve compiled ranges from $175 to $333 a month.
All the usual motor vehicle violations drive up insurance rates in Denver, in addition to driver age and credit history. According to Insurify's national average calculations, Denver ranks 12th in cities with the most DUIs, 11th in cities with the most moving violations, and 12th in cities with the most speeding tickets. Costs will vary based on insurance providers.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Denver Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Denver, Colorado below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Denver drivers measure up to their fellow motorists across Colorado in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Honda Accord
Most Popular Car in Denver
#12
City with the Most Speeding Tickets Rank in Colorado
#10
City with the Most Moving Violations Rank in Colorado
#12
City with the Most DUIs Rank in Colorado
#13
City with the Most Suspended Licenses in Colorado
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Denver drivers rank 7 in the number of car accidents per driver across all cities in Colorado.
- Rank within state: #7
- Percent of drivers in Denver with an accident: 11.83%
- Drivers in Denver, CO with an accident in their driving history pay on average 30.84% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Colorado, Denver drivers rank 12 in the number of speeding infractions per driver.
- Rank within state: #12
- Percent of drivers in Denver with a speeding ticket: 13.66%
- Drivers in Denver, CO with a speeding ticket in their driving history pay on average 29.07% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Denver drivers rank 12 in the number of DUI’s per driver across all cities in Colorado.
- Rank within state: #12
- Percent of drivers in Denver with a DUI: 2.71%
- Drivers in Denver, CO with a DUI in their driving history pay on average 12.33% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Denver is the Honda Accord.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Colorado, Denver drivers rank 8 in rude driving infractions.
- Rank within state: #8
- Percent of drivers in Denver with a reckless driving violation: 2.97%
- Drivers in Denver, CO with a reckless driving violation in their driving history pay on average 21.59% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Denver drivers rank 9 in clean driving records across all cities in Colorado.
- Rank within state: #9
- Percent of drivers in Denver with clean record: 75.17%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Denver drivers rank 10 in failure to yield violations per driver across all cities in Colorado.
- Rank within state: #10
- Percent of drivers in Denver with a failure to yield violation: 0.49%
- Drivers in Denver, CO with a failure to yield violation in their driving history pay on average 4300% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Colorado, Denver drivers rank 8 in the number of reckless driving offenses per driver.
- Rank within state: #8
- Percent of drivers in Denver with a reckless driving offense: 0.19%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Denver drivers rank 11 in hybrid and electric vehicle ownership across all cities in Colorado.
- Rank within state: #11
- Percent of drivers in Denver with a hybrid/electric vehicle: 1.36%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others
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