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A.M. Steinbach is a Brooklyn-based writer, editor, and content marketing strategist who has been writing for Compare.com since 2023. He's an expert in breaking down a diverse range of insurance topics into crisp, readable content.
A.M. has worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches more than 250,000 daily readers, and other notable publications.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Denver drivers pay an average of $174 per month for auto insurance, according to our analysis. But no matter what you currently pay, you can probably find ways to save by finding the right company.
State Farm, USAA, and American Family are just a few of the auto insurers offering Denver drivers affordable rates. In this guide, we’ll explore the cheapest coverage options and give you some strategies for saving on car insurance in the Mile High City.
State Farm is Denver’s cheapest auto insurer, at $53 per month on average.
Denver drivers pay an average of $110 per month for liability coverage.
Colorado requires 25/50/15 in minimum-liability coverage.
Where you live plays a big role in determining your auto insurance costs. But car insurance rates vary from driver to driver based on various factors, including age, driving record, credit history, and ZIP code.
Let’s take a look at some of the most affordable insurance companies in Denver, according to Compare.com data.
Location | Average Monthly Premium: Liability Insurance | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Denver | $110 | $237 | $174 |
| Colorado | $99 | $215 | $157 |
| National average | $107 | $197 | $152 |
On average, drivers in Denver pay $110 per month for liability-only insurance and $237 per month for full coverage.
But keep in mind that these average rates are broad and should be used only at a surface level since rates can vary widely based on your unique driving profile.
Compare personalized quotes from Denver’s top insurers.
Even though Denver drivers pay some of the highest rates in Colorado, drivers still have ways to save. Comparing quotes from multiple insurers can help you find the best car insurance company for your needs and budget.
The table below lists the cheapest car insurance companies in Denver, along with their average monthly premiums, according to Compare.com data.
Company ▲▼ | Average Monthly Premium ▲▼ |
|---|---|
| State Farm | $48 |
| USAA | $62 |
| American Family | $66 |
| GEICO | $74 |
| Allstate | $75 |
| Sun Coast | $79 |
| Root | $79 |
| Nationwide | $80 |
| Progressive | $84 |
| Auto-Owners | $86 |
| The General | $90 |
| Bristol West | $94 |
| Safeco | $114 |
| Foremost | $116 |
| Travelers | $121 |
| Dairyland | $124 |
| Farmers | $126 |
| Direct Auto | $131 |
| National General | $149 |
| Liberty Mutual | $210 |
State Farm offers the lowest rates in Denver, at $53 per month.
In the following sections, we’ll explore the cheapest companies across different demographics.
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Many factors affect car insurance rates, including your age, your driving history, and the amount of insurance coverage you purchase. Due to these variables, there’s no single “best” company for everyone.
We chose the following companies based on a combination of average rates in Denver, available discounts, customer reviews, and coverage selections.
Here are the best insurers in Denver across three different categories.
Average premium: $85 per month
Compare.com Rating: 4.90 out of 5
Among the cheapest average rates in Denver
Above-average J.D. Power customer satisfaction score
Doesn’t offer gap insurance
May lack personalized attention of smaller insurers
State Farm offers some of the cheapest average rates in Denver for drivers of all ages and driving records. Whether you’re looking for full coverage or liability-only coverage, State Farm has the lowest rates. Plus, you can save even more by taking advantage of State Farm’s many discounts, including bundling discounts and safe driving discounts.
State Farm drivers won’t just get cheap car insurance — they’ll also enjoy quality customer service, judging by the company’s high J.D. Power score.
Average premium: $126 per month
Compare.com Rating: 4.98 out of 5
Among the cheapest rates in Denver
Above-average J.D. Power customer satisfaction score
Only available in 19 states
High rates for drivers with accidents/violations
American Family is a good option if you’re a driver who takes pride in avoiding at-fault accidents and traffic violations. The company offers a good driver discount for drivers who go five years without an accident, as well as a defensive driver discount for people who complete an approved driving course.
It may not be the cheapest option in Denver, so drivers looking for the most affordable option may want to compare personalized quotes to find the cheapest company. But taking advantage of discounts and signing up for American Family’s KnowYourDrive telematics program can help you save.
Average premium: $74 per month
Compare.com Rating: 4.91 out of 5
Among the cheapest rates in Denver
Above-average J.D. Power customer satisfaction score
Only available to military members and their families
Mixed Better Business Bureau reviews
Colorado is home to several military bases. If you’re a military family living in Denver, USAA offers affordable rates, plenty of discounts, and a consistently high customer satisfaction record.
Unfortunately, USAA is available only to active service members, veterans, and their eligible family members. But these members can access a wide range of discounts and savings through USAA’s SafePilot telematics program.
Compare personalized quotes from Denver’s cheapest companies.
The coverage level you choose for your insurance policy affects your rates. The lowest coverage level is liability-only coverage at your state’s minimum requirements — the cheapest option.
Liability-only insurance covers the other driver’s medical bills and vehicle repairs after you cause an accident, but your own vehicle’s repairs aren’t covered. The chart below lists the cheapest car insurance companies in Denver for liability-only insurance, according to Compare.com data.
Many experts recommend buying more coverage than your state requires. Besides, if you have a loan or lease, your lender or leasing company will typically require you to have full coverage.
In the next section, we’ll explore the cheapest options for drivers who want a more robust full-coverage insurance policy.
Full coverage includes collision coverage and comprehensive coverage, in addition to basic liability. These additional insurance coverages pay for damage to your own vehicle if you get into a car accident, regardless of who’s at fault. It also covers non-collision events, like severe weather or theft.
Choosing full-coverage insurance can be a good idea if you have a new or expensive car you want to protect — but remember full coverage comes with higher insurance premiums. The chart below shows the cheapest full-coverage options in Denver, according to our data.
The companies above are a good starting point, but personal rates can vary widely based on many different factors. Next, we’ll look at two of the most influential factors: your age and driving record.
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Your age is one of the most important rating factors when it comes to car insurance. Generally, your rates start out higher when you’re younger, then decrease as you age. But they may increase slightly in your 70s as your driving ability declines.
The following chart also shows the cheapest insurer by age in Denver and its corresponding average monthly premium, according to our data.
Age Group | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $316 | State Farm | $96 |
| 40s | $163 | State Farm | $49 |
| Seniors | $132 | State Farm | $39 |
Teen drivers are by far the most expensive drivers to insure because they have a higher rate of serious accidents. Insurers manage the risks of insuring teen drivers by charging them a higher rate. Staying on their parents’ auto policy or qualifying for a good student discount can help young drivers save on car insurance.
State Farm offers the cheapest average car insurance policy for teens in Denver, at $96 per month, which is significantly lower than the citywide average of $316 for teen drivers, according to our data.
Your auto insurance rates generally decrease near retirement age. Commuting less means lower mileage, which lowers your chance of getting in an accident.
Denver seniors pay an average of $132 per month for car insurance, according to our data. But these drivers pay the lowest rates on average when they choose State Farm,at just $39per month.
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Your driving record is one of the most significant factors affecting your insurance rates. Insurers consider drivers with clean driving records less likely to file future claims, which leads to lower premiums.
Let’s look at how driving records affect rates in Denver. The table below explains the citywide average premium based on driving record, as well as the cheapest insurer and rate for drivers with different infractions, according to Compare.com data.
Driving Record | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $174 | State Farm | $53 |
| Speeding ticket | $249 | State Farm | $69 |
| At-fault accident | $241 | State Farm | $70 |
| DUI | $276 | State Farm | $85 |
Getting a speeding ticket raises your rates by 27%, according to Compare.com data. Speeding is a contributing factor in many accidents, so insurers will consider this a risky behavior when determining your rates.
Denver drivers pay an average rate of $249 per month for car insurance after a ticket, according to our data. State Farm is the cheapest option for drivers with one ticket on their record. Denver drivers with a ticket who choose this insurer pay $69 per month on average.
Your rates will almost always go up after an at-fault accident. On average, your rates will increase by 34% after one at-fault accident, according to Compare.com data. Once you have an accident on your record, insurers see you as a greater risk for future accidents. To manage that risk, insurers charge higher monthly premiums.
The citywide average for Denver drivers with a recent crash is $241 per month, according to our data.State Farm drivers with an accident on their record pay the cheapest rates, $70 per month on average in Denver.
Getting a DUI on your record is one of the most severe traffic violations. Average rates rise by 50% after a DUI, according to Compare.com data. A DUI classifies you as a high-risk driver, which will cause insurance companies to charge you higher rates.
Drivers in Denver with a DUI conviction pay a monthly average of $276 for car insurance, according to Compare.com data. State Farm is the cheapest auto insurer in Denver for drivers with a DUI. Drivers who choose this insurer pay $85 per month on average after a DUI.
Colorado requires you to have minimal liability insurance to drive legally in the state. All Colorado drivers must purchase the following minimum limits:
$25,000 in bodily injury liability insurance per person
$50,000 in bodily injury liability insurance per accident
$15,000 in property damage liability insurance per accident
Many car insurance experts recommend purchasing a coverage level that exceeds the minimum requirements so that you have better protection. Insurers in Colorado must offer uninsured/underinsured motorist coverage, though policyholders have the option to waive this coverage.
For more on Colorado’s auto insurance laws, visit the Rocky Mountain Insurance Information Association site.
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Denver drivers can save on car insurance with the following strategies:
Choose a safe car: Vehicles with advanced safety features and a strong safety record are typically cheaper to insure.
Take advantage of discounts: Talk to your insurance agent about insurance discounts to see what you may qualify for. Consider bundling your auto insurance with homeowners insurance or life insurance to save.
Raise your deductible: Drivers who pick a higher deductible generally pay lower monthly premiums. But consider that you’ll have to pay more out of pocket if you file a claim.
Maintain good credit: You can save money on car insurance if you have a high credit score.
Don’t buy too much coverage: Liability-only insurance may be enough if you drive a cheap used car that you wouldn’t repair after a serious accident.
Shop around and compare quotes: Receiving car insurance quotes from at least five different insurers can help you find a rate that fits your budget.
Compare personalized quotes from the cheapest insurers in Denver.
Here are answers to some commonly asked questions about the cheapest car insurance in Denver.
State Farm offers the cheapest auto insurance in Denver, at $53, according to Compare.com data.
Car insurance in Denver costs an average of $174 per month, according to Compare.com data. This breaks down to $110 per month for liability-only insurance and $237 per month for full-coverage insurance. But your rate could be higher, depending on your unique profile.
Colorado law requires drivers to purchase $25,000 in bodily injury liability per person, $50,000 in bodily injury liability per accident, and $15,000 in property damage liability per accident.
If an officer catches you driving without insurance in Denver, you’ll receive four points on your driver’s license and a $500 fine for a first offense. The state will also suspend your license until you can show proof of insurance.
GEICO offers the cheapest full coverage in Colorado at $75 per month on average, according to Compare.com data.
J.D. Power, “2024 U.S. Auto Insurance Study,” accessed November 19, 2024.
Rocky Mountain Insurance Information Association, “Colorado Auto Insurance Requirements,” accessed November 19, 2024.
Insurance Information Institute, “What determines the price of an auto insurance policy?,” accessed November 19, 2024.
NSC Injury Facts, “Motor Vehicle Safety Issues,” accessed November 19, 2024.
U.S. Center for Disease Control and Prevention, “Risk Factors for Teen Drivers,” accessed November 19, 2024.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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A.M. Steinbach is a Brooklyn-based writer, editor, and content marketing strategist who has been writing for Compare.com since 2023. He's an expert in breaking down a diverse range of insurance topics into crisp, readable content.
A.M. has worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches more than 250,000 daily readers, and other notable publications.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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