Certificate of financial planning from Boston University
Erin is a personal finance writer and journalist with work featured in major publications. Her writing explores investing, credit cards, mortgages, insurance, and more.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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Situated at the base of the Rocky Mountains, Denver, Colorado, has 300 days of sunshine each year, natural beauty, and sweeping mountain views. As the state capital, Denver is the most populous city in Colorado, which could explain why Denver drivers pay an average auto insurance rate of $166 per month — slightly more than the national average of $158.
Some insurers offer affordable policies without sacrificing quality or coverage. Here’s what you should know about comparing quotes and finding affordable coverage in the Mile High City.
Quick Facts
State Farm, USAA, and American Family have the cheapest car insurance in Denver.
Liability insurance in Denver costs $96 per month, and full coverage costs $236 per month, on average.
Denver drivers pay a yearly average of $2,837 for full-coverage car insurance.
3 of the cheapest car insurance companies in Denver
If you’re in the market for car insurance in Denver, you have plenty of options. But a few companies stand out thanks to their affordable rates, excellent customer service, and variety of coverage and discount options.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.5
$98
$47
Cheap rates
USAA
4.5
$127
$61
Military members
American Family
4.3
$135
$65
Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$54/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$109/mo
State Farm is one of the top auto insurers in the country and has some of the cheapest rates for Denver drivers. It also scored the top ranking in J.D. Power’s 2023 U.S. Auto Insurance Study. Combine those factors with the company’s excellent financial strength, and it’s easy to see why it has the second-highest IQ score of any company Insurify rated.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$68/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$141/mo
USAA has a reputation as the top insurance company for military families. USAA is a full-service financial institution that only serves current and former military members and their families. The company has affordable insurance premiums and highly rated customer satisfaction.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$74/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$150/mo
American Family is smaller than some other insurers, as it offers car insurance in just 19 states, including Colorado. The company has some of the best rates for Denver drivers and highly rated customer satisfaction, second only to State Farm. American Family offers more auto insurance discounts than nearly any other insurer.
When you’re shopping for car insurance in Denver, it’s natural to want to find the best price. Here are a few ways you can find cheaper car insurance rates:
Comparison shop. The best way to find cheap car insurance is to get quotes from multiple insurance companies. You can get quotes directly from each insurer or use an insurance-comparison website.
Save with discounts. Most insurance companies have a number of discounts available to drivers to help them save money on their policies. You can save by bundling your home and auto policies, paying your premium up front, having a safe vehicle, and more.
Raise your credit score. Insurance companies in most states consider your credit history as a factor when setting insurance rates. Generally speaking, the better your credit score, the less you’ll pay for insurance.
Revisit your policy. Take another look at your policy to see if you could adjust your coverage limits or raise your deductible. You want to make sure they’re still at a level that would be affordable if you’re in an accident, but adjusting them could lower your premiums.
Find Cheap Car Insurance in Denver
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Cheapest liability-only car insurance in Denver: State Farm
If your goal is to find the cheapest car insurance, a liability insurance policy is generally the way to do so. Liability insurance pays for damage to other people and their property due to an accident you’ve caused.
It protects the other drivers, as well as your financial well-being. Nearly every state, including Colorado, requires all drivers to carry liability insurance at the very minimum.
Liability insurance in Denver costs $96 per month, on average. Explore liability quotes from Denver insurers in the table below.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Denver: State Farm
If you’d prefer more robust insurance coverage, consider getting full-coverage insurance. This type of policy includes liability insurance along with other coverages that protect your own vehicle, including comprehensive coverage, collision coverage, and uninsured motorist coverage.
Not everyone needs full coverage, but you should have it if you can’t afford costly repairs to your vehicle — or to replace your vehicle altogether — after an accident.
Denver drivers pay a monthly average of $236 for full-coverage insurance. The companies in the table below offer affordable full-coverage quotes in the city.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Colorado
Like most other states, Colorado requires all drivers to carry liability insurance. Colorado is an at-fault insurance state, which means the driver at fault for an accident is financially responsible for any damages. Colorado’s minimum insurance limits, listed in the table below, are on par with most other states.[1]
Colorado also has a stipulation that allows anyone with at least 25 registered vehicles to apply for a certificate of self-insurance. But this is mainly targeted at business owners, as few individuals will meet this requirement.[2]
Coverage
Minimum Requirements
Bodily injury liability
$25,000 per person / $50,000 per accident
Property damage liability
$15,000 per accident
Colorado drivers also have access to several optional insurance coverages, including:
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for damage to your vehicle if you’re involved in an accident where the driver at fault doesn’t have sufficient insurance — or any insurance at all — to cover the damage.
Collision coverage
If you’re involved in any sort of collision with your vehicle, collision insurance will pay for the damages, regardless of whether the collision is with another vehicle or something else.
Comprehensive coverage
If you damage your car in an incident other than an accident, your comprehensive insurance will pay for it. For example, it would cover damage from natural disasters, theft, falling objects, and more.
Cheapest car insurance for drivers with an incident
Your driving record is one of the most important factors that affect your insurance premiums.
“If you have a history of accidents or traffic violations, you are considered a higher-risk driver, and insurance companies will charge you more for coverage,” says John Espenschied, owner of Insurance Brokers Group in Missouri. “On the other hand, if you have a clean driving record, you are considered a lower-risk driver, and your premiums will be lower.”
Violations such as speeding tickets, driving under the influence, and at-fault accidents are all likely to increase your rates. The amount your rates increase will depend on the severity of the violation.
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Cheapest car insurance for drivers with a speeding ticket: State Farm
A speeding ticket is one of the most common violations that can increase your insurance rates. The effect on your premiums will depend on several factors, including your driving record at the time of the ticket.
Someone with three speeding tickets will see a greater increase than someone with just one because they’re at a higher risk. Additionally, someone who got a ticket for driving 20 miles per hour over the speed limit might see their rates increase more than someone driving only 10 miles per hour over the limit, for example.
Drivers in Colorado Springs with a speeding ticket pay $141 per month for liability coverage and $348 per month for full coverage, on average. Explore rates for drivers with a speeding ticket in the table below.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you’re found to be at fault for an accident, you can expect your insurance premiums to increase unless you have accident forgiveness on your policy. The amount your premiums will rise depends on the severity and cost of the claim, as well as your existing driving record.
Depending on the situation, your premiums could also increase after an accident that wasn’t your fault, but the increase likely wouldn’t be as significant.
Liability insurance costs an average of $133 per month for Colorado Springs drivers with an accident. The table below shows how rates for drivers with an accident compare to those for drivers with a clean record.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
A DUI — or driving under the influence — is one of the more serious driving offenses. In fact, a DUI can result in being denied car insurance coverage altogether. And if you do find coverage, you’ll probably see a large spike in your insurance rates.[4]
Drivers in Colorado Springs with a DUI pay an average of $153 per month for liability insurance. The price jumps to $375 per month for a full-coverage policy.
The average auto insurance premium roughly doubles when you compare the premiums of someone with a clean driving record to someone with a DUI, according to Insurify data.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Car insurance premiums generally decrease as you age. The older you are, the more driving experience you have and the safer the driving decisions you likely make. But this trend eventually reverses course. Once drivers reach their 70s, insurers consider them senior and riskier and increase insurance rates.
Senior drivers pay a monthly average of $63 for minimum-coverage policies in Colorado Springs. Explore more rates in the table below.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Teen drivers pay the highest insurance premiums of any age group due to their lack of experience and propensity to engage in high-risk driving activities like speeding, distracted driving, and driving without a seat belt.[5]
“Statistically, teens are more likely to get into accidents than older drivers, and insurance companies charge higher premiums to offset this risk,” says Espenschied. ”However, there are ways for teens to lower their insurance premiums, such as taking a driver’s education course and qualifying for good student discounts.”
Another way young drivers can save money on insurance is to stay on their parents’ policy. It’s far cheaper to add a teen to a responsible adult’s policy than for a teen to get their own policy.
Teen drivers in Colorado Springs pay monthly averages of $174 for liability coverage and $427 for full coverage. The insurers below offer affordable rates to teen drivers in the city.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Denver car insurance quotes by credit tier
In most states, including Colorado, insurance companies can use your credit history as a factor when setting your insurance rates. Credit is often an indicator of risk, so if you have a good credit score, you’ll likely have low insurance rates.
“Studies have shown that people with lower credit scores are more likely to file insurance claims, and insurance companies charge higher premiums to offset this risk,” says Espenschied.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Denver?
Drivers in Colorado pay insurance premiums slightly higher than the national average and more expensive than the majority of states, according to data from the National Association of Insurance Commissioners (NAIC).[6]
Denver’s overall car insurance rate of $166 per month is slightly higher than the state overall average of $148 per month. These higher rates could be a result of the city’s higher population and high rate of car thefts. In fact, Denver ranks second on the list of the cities with the most car thefts in the U.S.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Denver car insurance FAQs
If you’re shopping for car insurance in Denver, this additional information may help as you research your coverage options.
How much is car insurance in Denver?
Denver drivers pay an average of $96 per month for liability insurance and $236 per month for full coverage.
Which company has the cheapest car insurance in Denver?
State Farm has the cheapest car insurance in Denver, with monthly liability rates as low as $54. USAA and American Family also offer affordable coverage, with respective monthly liability rates of $68 and $74.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Denver?
Denver drivers have access to many top insurance companies. The best car insurance company in Denver is State Farm due to its affordable premiums, top-rated customer service, and excellent financial strength. Other top companies include USAA and American Family.
What factors affect the cost of car insurance in Denver?
Your insurance premiums depend on factors like your age, gender, driving history, and more. But they also depend on where you live. Some locations may have higher insurance rates if they have higher populations, more accidents, more car thefts, or a higher rate of uninsured drivers.
Is Colorado a no-fault state?
No. Colorado isn’t a no-fault state. Instead, the at-fault driver in an accident is financially responsible for all damage to people and property.
Methodology
Insurify data scientists analyzed more than 90 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 50+ 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:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Erin Gobler is a personal finance writer and journalist based in Madison, Wisconsin. With more than five years of experience, Erin has covered topics such as investing, credit cards, mortgages, insurance, and more. Her work has been featured in major publications like Business Insider, Fox Business, and Time. Erin received her bachelor’s degree from the University of Wisconsin-Oshkosh in 2013, studying journalism and political science. She also received a certificate of financial planning from Boston University in 2022.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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