120+ more*Quotes generated for Insurify users in and around Denver, Colorado within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Denver, Colorado within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Personal finance blogger
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Updated
State Farm offers the lowest average minimum-coverage auto insurance rates in Denver.
Liability insurance in Denver averages $109 per month — higher than the state average of $97 per month.
Nearly one-third of Denver traffic fatalities involved impaired driving in 2023.
The average cost of car insurance in Denver is $109 per month for liability coverage and $246 per month for full coverage. Rates are higher than in neighboring Arvada and Westminster but lower than in Aurora.
Denver car insurance is more expensive than the Colorado average, partly because of its high population density. The city has about 4,674 people per square mile, compared to the state average of 56 per square mile.
The Mile High City also experiences frequent hailstorms, vehicle thefts, and traffic congestion, all of which affect auto insurance costs.
The table below shows average monthly car insurance quotes in Denver and Colorado.
Car Insurance Costs in Denver vs. Colorado  | Average Monthly Quote |
|---|---|
| Denver average | $178 |
| Colorado average | $157 |
State Farm offers the cheapest car insurance rates in Denver for liability coverage, at $59 per month.
For full coverage, State Farm has the lowest average rates, at $137 per month.
Check quotes from 120+ top insurance companies
The Colorado Division of Insurance estimates 15% to 20% of Colorado drivers are uninsured.[1] To protect yourself against high medical bills or unexpected repair costs after an accident, consider adding uninsured/underinsured motorist coverage to your policy.
Winter weather can also complicate driving in Denver. During major snowstorms, Denver Public Works prioritizes clearing the main roads, but it may plow residential streets only once. Denver also uses dry ice to keep snow and ice from piling up on roads.
Flooding is another risk in areas of Denver, especially in lower-lying neighborhoods near the South Platte River, Bear Creek, and Cherry Creek. Heavy summer rainstorms and snowmelt can quickly overwhelm Denver’s drainage system, according to the city’s Flood Protection Handbook.
Street sweeping runs from April through November in Denver. The city may issue a ticket if you don’t move your car off the street during scheduled rounds, so check your block’s schedule before you park.
Denver’s auto theft problem is improving, with thefts dropping 33% from 2024 to 2025, according to the National Insurance Crime Bureau (NICB). The city still ranked No. 8 nationally for vehicle theft per capita, though, recording 6,116 thefts in the first half of 2025.
Colorado Gov. Jared Polis acknowledges that vehicle theft directly influences auto insurance rates.[2] In addition to making all vehicle thefts a felony, the Colorado Auto Theft Prevention Authority (CATPA) is working to reduce statewide vehicle theft by providing vehicle theft-prevention education, steering wheel locks, and Bluetooth trackers.
Grand Junction and Fort Collins have some of the lowest car insurance rates in Colorado. Aurora and Broomfield are the most expensive, with Denver trailing closely behind.
Denver recorded 73 traffic deaths in 2023, and the metro ranked No. 13 for vehicle theft volume in the first half of 2025, according to the NICB. Together, these factors contribute to higher insurance rates.
See the table below to compare car insurance rates across several Colorado cities.
City | Average Monthly Quote |
|---|---|
| Denver | $178 |
| Fort Collins | $135 |
| Grand Junction | $115 |
| Greeley | $144 |
| Longmont | $151 |
| Loveland | $136 |
| Pueblo | $162 |
Denver’s most congested corridors — Interstate 25, I-270, and I-70 — can create challenging driving conditions, contributing to the city’s higher car insurance costs.
The Colorado Department of Transportation (CDOT) describes the 4.5-mile stretch of I-25 through downtown as Colorado’s primary urban transportation core. Meanwhile, I-270 carries more than 100,000 vehicles daily, which exceeds its original design capacity.
I-70 can also see heavy seasonal traffic during summer weekends and winter ski season as travelers head into the mountains. CDOT recommends 26 scenic and historic byways as alternatives to avoid congestion.
Denver operates a photo radar enforcement program, with fines of $40 for speeding and $75 for red-light violations. At the high-use intersection of 6th and Lincoln, where photo enforcement is installed, total crashes have reduced by 52%.
Denver also participates in Colorado’s statewide “The Heat Is On” driving-under-the-influence (DUI) enforcement campaign. A first-time DUI offense in Colorado can cost you up to $13,530 in fines and fees, according to the Colorado State Patrol.
Average car insurance costs are higher in Denver for several reasons. Denver County recorded the second-highest number of crash fatalities in the state in 2023, with impaired driving causing almost one-third of the state’s traffic deaths.[3]
The city also ranked among the top 10 cities nationwide for vehicle theft per capita in the first half of 2025.
Colorado also sits in Hail Alley, which exposes Denver drivers to severe hailstorm damage.[4]
Finally, 15%–20% of Colorado drivers are uninsured, increasing the financial risk for everyone on the road.
Colorado car insurance requirements include $25,000 per person and $50,000 per accident in bodily injury liability coverage and $15,000 in property damage liability.[5] Colorado fines uninsured motorists $500 for the first offense and $1,000 for a second violation within five years.
The average monthly cost of liability insurance in Denver is $109 — higher than the Colorado monthly average of $97. Liability coverage is more affordable than full coverage, with State Farm and Sun Coast offering the lowest minimum-coverage rates.
You can compare cheap liability car insurance quotes in Denver below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $59 |
| Sun Coast | $73 |
| USAA | $75 |
| The General | $79 |
| American Family | $81 |
| Root | $83 |
| Mile Auto | $87 |
| Progressive | $87 |
| GEICO | $90 |
| Allstate | $91 |
| Bristol West | $96 |
| Nationwide | $98 |
| Auto-Owners | $106 |
| Mendota | $119 |
| Trexis | $123 |
| Safeco | $124 |
| National General | $130 |
| Dairyland | $136 |
| Direct Auto | $139 |
| Travelers | $149 |
| Farmers | $154 |
| Liberty Mutual | $202 |
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Colorado lies in Hail Alley, with the state experiencing seven to nine days of hail each year, according to the National Severe Storms Laboratory. Without a full-coverage policy, which includes comprehensive coverage, you’d have to pay for hail damage repairs out of pocket.
Full coverage in Denver averages $246 per month — higher than most Colorado cities and more expensive than liability-only coverage.
The table below shows affordable full-coverage car insurance in Denver, with State Farm offering the lowest average rates.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $137 |
| Progressive | $168 |
| Root | $175 |
| USAA | $178 |
| American Family | $189 |
| GEICO | $211 |
| Allstate | $213 |
| Bristol West | $216 |
| Mile Auto | $216 |
| Safeco | $222 |
| Nationwide | $228 |
| Sun Coast | $235 |
| The General | $237 |
| Auto-Owners | $244 |
| National General | $284 |
| Mendota | $293 |
| Direct Auto | $301 |
| Dairyland | $320 |
| Trexis | $322 |
| Liberty Mutual | $338 |
| Travelers | $345 |
| Farmers | $361 |
*Quotes generated for Insurify users in and around Denver, Colorado within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Denver, Colorado within the last 10 days. Last updated on June 1, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
In Denver, nearly 5% of drivers have a speeding ticket, according to Insurify data. Colorado speeding tickets carry fines between $30 and $1,000, depending on how fast you were going and where you were speeding.
A conviction of driving 20 to 39 mph or more over the speed limit can add six points to your license. In a construction zone, driving 25 mph or more over the speed limit is also a misdemeanor.
State Farm has the cheapest liability-only rates in Denver after a ticket, with premiums averaging $77 per month. Below are quotes for affordable car insurance in Denver for drivers with a speeding ticket.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $77 |
| Sun Coast | $96 |
| USAA | $99 |
| Root | $102 |
| American Family | $108 |
| Mile Auto | $108 |
| The General | $108 |
| Progressive | $114 |
| GEICO | $121 |
| Allstate | $121 |
| Bristol West | $124 |
| Nationwide | $130 |
| Auto-Owners | $142 |
| Mendota | $157 |
| Trexis | $162 |
| National General | $166 |
| Safeco | $167 |
| Dairyland | $174 |
| Direct Auto | $179 |
| Travelers | $198 |
| Farmers | $202 |
| Liberty Mutual | $264 |
More than 5% of Denver drivers have an at-fault accident in their driving history, according to Insurify data. Colorado is an at-fault state, meaning the driver who’s responsible for the crash is liable for the other party’s damages.
Car insurance in Denver averages $146 per month for people with an accident on their driving record. State Farm has the cheapest auto insurance for Denver drivers with an accident.
You can compare cheap car insurance quotes after an at-fault accident in Denver below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $79 |
| Sun Coast | $98 |
| USAA | $102 |
| Root | $105 |
| The General | $110 |
| American Family | $110 |
| Progressive | $117 |
| Mile Auto | $118 |
| GEICO | $119 |
| Allstate | $123 |
| Bristol West | $128 |
| Nationwide | $133 |
| Auto-Owners | $142 |
| Mendota | $159 |
| Trexis | $165 |
| Safeco | $174 |
| National General | $175 |
| Dairyland | $181 |
| Direct Auto | $191 |
| Travelers | $203 |
| Farmers | $208 |
| Liberty Mutual | $270 |
Denver has a dedicated DUI/drug recognition expert enforcement unit responsible for detecting, apprehending, and processing impaired drivers. Colorado has an 88% conviction rate for DUI charges, according to the Colorado Department of Public Safety.
Insurify data shows 1% of Denver drivers have a DUI conviction and pay an average of $152 per month for auto coverage as high-risk drivers.
The table below compares the most affordable car insurance in Denver after a DUI, with State Farm offering the best rates.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $84 |
| Sun Coast | $102 |
| USAA | $106 |
| The General | $108 |
| American Family | $110 |
| Root | $118 |
| Progressive | $121 |
| Mile Auto | $123 |
| GEICO | $127 |
| Allstate | $129 |
| Bristol West | $136 |
| Nationwide | $139 |
| Auto-Owners | $143 |
| Mendota | $166 |
| Trexis | $171 |
| National General | $184 |
| Safeco | $187 |
| Dairyland | $193 |
| Direct Auto | $197 |
| Travelers | $211 |
| Farmers | $218 |
| Liberty Mutual | $286 |
Before getting their license, Colorado teens must hold a learner’s permit for at least one year, log 50 hours of driving time, and complete a restricted licensing period.[6] The state’s graduated driver licensing (GDL) laws helped decrease teen crash fatalities by 35% between 2002 and 2025, according to the Colorado Department of Transportation.
Insurance for Denver teens is more expensive than for any other age group, with premiums averaging $201 per month for liability-only insurance. Young drivers may find the lowest average rates from State Farm.
The table below shows the cheapest liability-only car insurance quotes in Denver for teen drivers.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $115 |
| Root | $126 |
| Sun Coast | $135 |
| USAA | $140 |
| The General | $143 |
| American Family | $154 |
| Progressive | $160 |
| GEICO | $164 |
| Bristol West | $172 |
| Mile Auto | $180 |
| Allstate | $181 |
| Nationwide | $193 |
| Auto-Owners | $217 |
| Mendota | $219 |
| Trexis | $227 |
| Dairyland | $239 |
| Safeco | $253 |
| National General | $262 |
| Direct Auto | $272 |
| Farmers | $310 |
| Travelers | $312 |
| Liberty Mutual | $357 |
Compared to other areas of Colorado, Denver has a smaller senior population. Residents aged 65 and older make up only about 13% of Denver’s population, compared to the state average of 16%.
If you’re 80 years or older, the Colorado Division of Motor Vehicles (DMV) requires an eye examination report signed by an optometrist or ophthalmologist when renewing your driver’s license online.
Senior drivers may find the cheapest premiums with State Farm, with rates averaging $45 per month.
You can compare cheap car insurance quotes in Denver for senior drivers below.
7+ years experience in data analysis
Ph.D. in Computational Biology
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $45 |
| USAA | $59 |
| Sun Coast | $60 |
| American Family | $63 |
| The General | $66 |
| Mile Auto | $67 |
| GEICO | $69 |
| Progressive | $71 |
| Allstate | $72 |
| Nationwide | $73 |
| Root | $75 |
| Bristol West | $78 |
| Auto-Owners | $81 |
| Mendota | $98 |
| National General | $99 |
| Trexis | $101 |
| Safeco | $105 |
| Direct Auto | $111 |
| Dairyland | $113 |
| Travelers | $116 |
| Farmers | $119 |
| Liberty Mutual | $164 |
From average rates to how to find the right coverage, the answers to frequently asked questions below can help you find the best car insurance in Denver.
Denver car insurance costs an average of $246 per month for full coverage and $109 per month for liability-only coverage. Your actual premium depends on your location, age, vehicle, driving history, and credit-based insurance score.
Denver car insurance costs are higher than the national average due to its high population density and congestion. Along with a high vehicle theft rate, Denver County also had the second-highest fatal crash rate among Colorado cities in 2023.
State Farm generally offers the lowest average minimum car insurance rates in Denver, at $59 per month, but rates can vary from person to person. An insurance agency can help you compare companies and insurance products to find the right coverage, especially if you need rideshare insurance or an SR-22 filing.
You can often lower your car insurance costs in Denver by increasing your deductible, asking about discounts, bundling car and home insurance, and avoiding coverage gaps.
When shopping for Denver auto insurance, make sure your policy meets state minimums and any lender-required coverage, such as comprehensive and collision coverage. Compare quotes from multiple sources — including independent insurance agents — and ask about available discounts and coverage options.
Denver insurers may advertise available discounts on their websites, or you can call customer service. Companies also may offer savings for enrolling in usage-based programs, getting good grades, or bundling your auto policy with homeowners or renters insurance.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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5+ years experience in personal finance writing
Personal finance blogger
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
7+ years experience in data analysis
Ph.D. in Computational Biology
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
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