Denver, CO Auto Insurance (2024)
The average Denver, CO auto insurance rates are $371 per month. The minimum auto insurance in Denver is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Denver, Colorado, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The most expensive auto insurance company in Denver for teen drivers is Farmers
- Average auto insurance rates in Denver, CO for senior drivers are $2,599 per year
- The cheapest auto insurance company in Denver is Liberty Mutual
Denver, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Denver can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Denver, Colorado, including driving record, credit, commute time, and more.
Compare auto insurance in Denver to other Colorado cities, including Aurora auto insurance rates, Denver auto insurance rates, and Pueblo auto insurance rates to see how Denver, Colorado auto insurance rates stack up.
Before you buy Denver, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Denver, Colorado auto insurance quotes.
Minimum Auto Insurance in Denver, Colorado
Denver, Colorado auto insurance laws require that you have at least the Colorado minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Denver, Colorado.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
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Cheap Denver, Colorado Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Denver, Colorado are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,693 | $3,444 | $3,355 | $3,385 | $13,195 | $13,883 | $4,013 | $4,009 |
| American Family | $3,064 | $3,064 | $2,766 | $2,766 | $7,423 | $9,987 | $3,064 | $3,747 |
| Farmers | $3,425 | $3,394 | $3,091 | $3,346 | $13,596 | $13,739 | $3,765 | $3,785 |
| Geico | $2,143 | $2,361 | $2,328 | $2,688 | $6,903 | $7,265 | $1,950 | $1,958 |
| Liberty Mutual | $2,153 | $2,070 | $1,837 | $2,027 | $6,858 | $7,474 | $2,171 | $2,172 |
| Nationwide | $2,986 | $3,035 | $2,671 | $2,818 | $7,706 | $9,843 | $3,452 | $3,726 |
| Progressive | $2,807 | $2,618 | $2,469 | $2,455 | $9,905 | $11,056 | $3,159 | $3,060 |
| State Farm | $2,370 | $2,370 | $2,161 | $2,161 | $7,160 | $9,022 | $2,665 | $3,163 |
| USAA | $2,325 | $2,302 | $2,236 | $2,216 | $6,083 | $6,941 | $2,988 | $3,223 |
Cheap Denver, Colorado Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Denver, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Denver, Colorado.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $13,195 | $13,883 |
| American Family | $7,423 | $9,987 |
| Farmers | $13,596 | $13,739 |
| Geico | $6,903 | $7,265 |
| Liberty Mutual | $6,858 | $7,474 |
| Nationwide | $7,706 | $9,843 |
| Progressive | $9,905 | $11,056 |
| State Farm | $7,160 | $9,022 |
| USAA | $6,083 | $6,941 |
Cheap Denver, Colorado Auto Insurance for Seniors
What are senior auto insurance rates in Denver, Colorado? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,355 | $3,385 |
| American Family | $2,766 | $2,766 |
| Farmers | $3,091 | $3,346 |
| Geico | $2,328 | $2,688 |
| Liberty Mutual | $1,837 | $2,027 |
| Nationwide | $2,671 | $2,818 |
| Progressive | $2,469 | $2,455 |
| State Farm | $2,161 | $2,161 |
| USAA | $2,236 | $2,216 |
Cheap Denver, Colorado Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Denver, Colorado compared to the annual auto insurance rates with a clean record in Denver, Colorado.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $5,193 | $6,000 | $7,386 | $5,910 |
| American Family | $3,328 | $4,674 | $6,166 | $3,772 |
| Farmers | $5,077 | $6,549 | $6,456 | $5,988 |
| Geico | $2,400 | $3,791 | $4,488 | $3,119 |
| Liberty Mutual | $2,938 | $3,439 | $3,549 | $3,455 |
| Nationwide | $3,482 | $4,761 | $6,043 | $3,832 |
| Progressive | $4,043 | $5,738 | $4,268 | $4,716 |
| State Farm | $3,548 | $4,221 | $3,884 | $3,884 |
| USAA | $2,561 | $3,153 | $5,557 | $2,886 |
Cheap Denver, Colorado Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Denver, Colorado is not easy. Compare the annual rates for DUI auto insurance in Denver, Colorado to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $7,386 |
| American Family | $6,166 |
| Farmers | $6,456 |
| Geico | $4,488 |
| Liberty Mutual | $3,549 |
| Nationwide | $6,043 |
| Progressive | $4,268 |
| State Farm | $3,884 |
| USAA | $5,557 |
Cheap Denver, Colorado Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Denver, Colorado annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,825 | $6,016 | $4,526 |
| American Family | $5,815 | $4,153 | $3,488 |
| Farmers | $6,959 | $5,689 | $5,404 |
| Geico | $4,151 | $3,449 | $2,748 |
| Liberty Mutual | $4,778 | $2,933 | $2,325 |
| Nationwide | $5,476 | $4,339 | $3,773 |
| Progressive | $5,329 | $4,557 | $4,186 |
| State Farm | $5,389 | $3,467 | $2,797 |
| USAA | $5,214 | $2,996 | $2,408 |
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Cheap Denver, Colorado Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Denver, Colorado can vary. Compare the annual cost of auto insurance by ZIP code in Denver, Colorado to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 80110 | $3,902 |
| 80202 | $4,154 |
| 80203 | $4,220 |
| 80204 | $4,313 |
| 80205 | $4,231 |
| 80206 | $4,201 |
| 80207 | $4,194 |
| 80208 | $4,027 |
| 80209 | $4,022 |
| 80210 | $4,061 |
| 80211 | $4,124 |
| 80212 | $3,995 |
| 80216 | $4,183 |
| 80218 | $4,180 |
| 80219 | $4,405 |
| 80220 | $4,302 |
| 80221 | $3,882 |
| 80222 | $4,112 |
| 80223 | $4,392 |
| 80224 | $4,178 |
| 80225 | $3,912 |
| 80229 | $3,853 |
| 80230 | $4,338 |
| 80231 | $4,142 |
| 80232 | $4,013 |
| 80236 | $4,124 |
| 80237 | $3,994 |
| 80238 | $4,060 |
| 80239 | $4,233 |
| 80246 | $4,332 |
| 80247 | $4,292 |
| 80249 | $3,956 |
| 80264 | $4,058 |
| 80265 | $4,091 |
| 80266 | $4,076 |
| 80290 | $4,099 |
| 80293 | $4,063 |
| 80294 | $4,068 |
| 80295 | $4,095 |
| 80299 | $4,063 |
Cheap Denver, Colorado Auto Insurance Rates By Commute
Commute length and annual mileage affect Denver, Colorado auto insurance. Find the cheapest annual Denver, Colorado auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $6,122 | $6,122 |
| American Family | $4,388 | $4,582 |
| Farmers | $6,018 | $6,018 |
| Geico | $3,381 | $3,518 |
| Liberty Mutual | $3,345 | $3,345 |
| Nationwide | $4,530 | $4,530 |
| Progressive | $4,691 | $4,691 |
| State Farm | $3,787 | $3,982 |
| USAA | $3,439 | $3,640 |
Cheap Denver, Colorado Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Denver, Colorado? Check out the comparison of annual Denver, Colorado auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,728 | $6,096 | $6,542 |
| American Family | $4,250 | $4,575 | $4,631 |
| Farmers | $5,218 | $5,924 | $6,910 |
| Geico | $3,029 | $3,374 | $3,945 |
| Liberty Mutual | $3,130 | $3,332 | $3,574 |
| Nationwide | $4,511 | $4,535 | $4,542 |
| Progressive | $4,271 | $4,708 | $5,093 |
| State Farm | $3,580 | $3,888 | $4,185 |
| USAA | $3,362 | $3,540 | $3,715 |
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Best By Category: Cheapest Auto Insurance in Denver, Colorado
Compare the cheapest auto insurance companies in Denver, Colorado in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | Liberty Mutual |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
The Cheapest Denver, Colorado Auto Insurance Companies
What auto insurance companies in Denver, Colorado are the cheapest? Compare the top Denver, Colorado auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $6,122 |
| American Family | $4,485 |
| Farmers | $6,018 |
| Geico | $3,450 |
| Liberty Mutual | $3,345 |
| Nationwide | $4,530 |
| Progressive | $4,691 |
| State Farm | $3,884 |
| USAA | $3,539 |
What affects auto insurance rates in Denver, Colorado?
There are a lot of reasons why auto insurance rates in Denver, Colorado are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Denver, Colorado. Many local factors may affect your Denver auto insurance rates.
Denver Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Denver, Colorado commute length is 25.9 minutes according to City-Data.
Denver Traffic
How does Denver, Colorado rank for traffic? According to Inrix Denver, Colorado is the 144th most congested worldwide.
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Compare Denver, Colorado Auto Insurance Quotes
Before you buy Denver, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Denver, Colorado auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that provides financial protection in case of damage to your vehicle or injury to yourself or others in an accident. It helps cover the costs of repairs, medical bills, and other expenses resulting from a car accident.
Is auto insurance mandatory in Denver, CO?
Yes, auto insurance is mandatory in Denver, CO, as well as throughout the state of Colorado. The law requires all drivers to carry a minimum amount of liability insurance to cover bodily injury and property damage caused by an accident.
What are the minimum auto insurance requirements in Denver, CO?
In Denver, CO, the minimum auto insurance requirements are as follows:
- $25,000 bodily injury liability coverage per person
- $50,000 bodily injury liability coverage per accident
- $15,000 property damage liability coverage per accident
What other types of auto insurance coverage are available?
In addition to the mandatory liability coverage, you can choose to purchase other types of auto insurance coverage in Denver, CO. These may include:
- Collision coverage: Covers damage to your vehicle caused by a collision with another vehicle or object.
- Comprehensive coverage: Covers damage to your vehicle caused by non-collision events such as theft, vandalism, or natural disasters.
- Medical payments coverage: Pays for medical expenses for you and your passengers regardless of who is at fault in an accident.
- Uninsured/underinsured motorist coverage: Provides coverage if you’re involved in an accident with a driver who has no insurance or insufficient coverage.
How are auto insurance rates determined in Denver, CO?
Auto insurance rates in Denver, CO are determined by several factors, including:
- Your driving record
- Age, gender, and marital status
- Type of vehicle you drive
- Your credit history
- The coverage options and limits you choose
- Your location (Denver, CO)
- Annual mileage
How can I save money on auto insurance in Denver, CO?
Here are a few tips to help you save money on auto insurance in Denver, CO:
- Shop around and compare quotes from different insurance companies.
- Maintain a clean driving record and avoid traffic violations.
- Consider raising your deductibles, but ensure you can afford them in case of a claim.
- Bundle your auto insurance with other policies, such as homeowners or renters insurance.
- Inquire about available discounts, such as safe driver discounts, multi-car discounts, or good student discounts.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.