Cheap Car Insurance in Denver
Best cheap car insurance companies in Denver
Denver’s cheapest full coverage car insurance: State Farm
USAA has the overall cheapest rate for full coverage Full coverage includes collision and comprehensive, which cover your own car for damage and theft. at $1,949 a year, but it only sells car insurance for military members and their families. If you fall into one of these categories, make sure you compare quotes including USAA.
Geico and Auto-Owners are also worth a look because of their low rates. Both companies, along with State Farm, offer several discounts that could decide which one is cheapest for you.
Full coverage car insurance rates
| Company | Annual rate | LendingTree score | |
|---|---|---|---|
 | State Farm | $2,163 |  |
 | Geico | $2,447 |  |
 | Auto-Owners | $2,482 |  |
 | Progressive | $2,880 |  |
 | American Family | $3,000 | |
 | Allstate | $3,968 |  |
 | Nationwide | $4,647 | |
 | Farmers | $5,796 | |
 | USAA* | $1,949 | |
*USAA only sells insurance to members of the military and their families.
Cheap liability-only car insurance in Denver: State Farm
Even if Progressive’s rate isn’t the cheapest for you, it offers more coverage options than State Farm does. One example is GAP coverage, which pays off the remainder of your loan amount if your vehicle is totaled. State Farm doesn’t offer this.
Liability car insurance rates
| Company | Annual rate |
|---|---|
| State Farm | $801 |
| Progressive | $815 |
| Geico | $870 |
| Auto-Owners | $919 |
| American Family | $932 |
| Nationwide | $1,561 |
| Allstate | $1,697 |
| Farmers | $2,031 |
| USAA* | $516 |
Best cheap car insurance for Denver teens: State Farm
Geico is the next-cheapest for most teens, at $2,830 a year for liability coverage and $6,826 for full coverage. Consider American Family for liability, too, due to its discounts.
Car insurance for teen driver
| Company | Liability | Full coverage |
|---|---|---|
| State Farm | $2,762 | $6,331 |
| Geico | $2,830 | $6,826 |
| American Family | $2,968 | $8,462 |
| Auto-Owners | $3,542 | $8,243 |
| Progressive | $4,072 | $12,563 |
| Allstate | $4,537 | $8,106 |
| Nationwide | $6,590 | $15,284 |
| Farmers | $7,762 | $19,601 |
| USAA* | $1,506 | $4,835 |
Teens pay the highest car insurance rates of any age demographic. This is mostly because of their inexperience behind the wheel, which makes it more likely they’ll get into accidents.
If you’re the parent of a young driver, consider adding them to your car insurance policy. While this will raise your rate, it should still be cheaper than if both of you had separate policies.
Denver’s cheapest insurance rates after a speeding ticket: State Farm
Denver drivers with a speeding ticket on their records get the cheapest insurance with State Farm. Its rates average $2,323 a year, or $194 a month. Auto-Owners is the city’s second-cheapest option after a ticket, at $2,591 a year.
State Farm and Auto-Owners both offer a number of discounts that could make them the cheapest for you. Auto-Owners does offer some interesting add-on coverages, however. For example, if you get its At-Fault Accident Forgiveness coverage, Auto-Owners will waive the accident surcharge for your first at-fault accident.
Car insurance after a ticket
| Company | Annual rate |
|---|---|
| State Farm | $2,323 |
| Auto-Owners | $2,591 |
| Geico | $3,270 |
| American Family | $3,524 |
| Allstate | $4,405 |
| Progressive | $4,681 |
| Nationwide | $6,725 |
| Farmers | $7,935 |
| USAA* | $2,432 |
Cheap Denver car insurance after an accident: State Farm
At $2,497 a year, or $208 a month, State Farm has the cheapest car insurance rates after an accident in Denver. Auto-Owners is second-cheapest, with rates of around $4,173 a year.
Both companies offer a car and home insurance bundle discount, but State Farm’s bundle can save you up to $1,273 a year on your auto and home insurance costs, while Auto-Owners’ site doesn’t give a discount estimate.
Car insurance after an accident
| Company | Annual rate |
|---|---|
| State Farm | $2,497 |
| Auto-Owners | $4,173 |
| American Family | $4,381 |
| Geico | $4,693 |
| Progressive | $5,240 |
| Allstate | $6,173 |
| Farmers | $8,009 |
| Nationwide | $8,172 |
| USAA* | $2,765 |
Cheapest insurance for young Denver drivers with bad driving records: State Farm
Young Denver teens with poor driving records find the lowest car insurance rates with State Farm. With State Farm, these drivers pay $3,042 a year after a ticket and $3,346 a year after an accident.
American Family has the next-cheapest rates of $3,215 a year and $4,289 a year, respectively. Both companies offer enough discounts that it’s worth your time to compare.
Cheapest rates for teens with bad driving records
| Company | Ticket | Accident |
|---|---|---|
| State Farm | $3,042 | $3,346 |
| American Family | $3,215 | $4,289 |
| Geico | $3,344 | $4,594 |
| Auto-Owners | $3,720 | $6,305 |
| Allstate | $5,240 | $8,273 |
| Progressive | $5,488 | $5,825 |
| Nationwide | $7,163 | $7,250 |
| Farmers | $9,600 | $9,600 |
| USAA* | $1,695 | $1,761 |
Best cheap car insurance in Denver with a DUI: Progressive
Progressive has the cheapest DUI car insurance rate in Denver at $4,420 a year, or $368 a month. Geico is second at $4,641 a year.
Given the number of discounts that Progressive, Geico, State Farm and Auto-Owners offer and the closeness of their rates, comparing quotes from these four companies should help you find the most affordable coverage.
Cheapest car insurance with a DUI
| Company | Annual rate |
|---|---|
| Progressive | $4,420 |
| Geico | $4,641 |
| State Farm | $5,111 |
| Auto-Owners | $5,192 |
| American Family | $5,228 |
| Allstate | $5,303 |
| Farmers | $7,786 |
| Nationwide | $11,008 |
| USAA* | $4,096 |
Cheapest insurance rates for Denver drivers with bad credit: Geico
Drivers in Denver with poor credit get the cheapest auto insurance with Geico at an average of $3,626 a year, or $302 a month. American Family comes in second for bad-credit car insurance, with rates of around $5,090 a year.
Despite the rate gap between the two companies, American Family offers many discounts that could make it better for you. That includes a bundling discount that could save you up to 23% on your insurance costs.
Cheap car insurance with poor credit
| Company | Annual rate |
|---|---|
| Geico | $3,626 |
| American Family | $5,090 |
| Progressive | $5,195 |
| Allstate | $6,736 |
| Nationwide | $7,082 |
| Auto-Owners | $7,579 |
| State Farm | $8,637 |
| Farmers | $9,560 |
| USAA* | $3,927 |
Best car insurance companies in Denver
State Farm is the next-best option in terms of cost and customer satisfaction. American Family and Auto-Owners also have strong customer satisfaction ratings that are above average, and rates between the two are often competitive.
Denver’s best-rated car insurance companies
| Company | J.D. Power** | AM Best | LendingTree score |
|---|---|---|---|
| Allstate | 635 | A+ | |
| American Family | 660 | A | |
| Auto-Owners | 654 | A++ | |
| Farmers | 619 | A | |
| Geico | 637 | A++ | |
| Nationwide | 641 | A | |
| Progressive | 622 | A+ | |
| State Farm | 657 | A++ | |
| USAA* | 739 | A++ | |
**Source: J.D. Power 2024 U.S. Auto Insurance Study. Higher is better; 644 is average.
Denver auto insurance rates by neighborhood
Denver drivers living in the 80234 ZIP code pay the city’s cheapest car insurance rates, which average $2,814 a year. Drivers in the 80219 ZIP code have the most expensive average rate of $3,467 a year.
Car insurance rates near you
| ZIP code | Annual rate | % from average |
|---|---|---|
| 80014 | $3,269 | 5% |
| 80110 | $3,035 | -3% |
| 80123 | $2,846 | -9% |
| 80202 | $3,150 | 1% |
| 80203 | $3,199 | 3% |
| 80204 | $3,318 | 7% |
| 80205 | $3,199 | 3% |
| 80206 | $3,174 | 2% |
| 80207 | $3,191 | 2% |
| 80208 | $3,059 | -2% |
| 80209 | $3,108 | 0% |
| 80210 | $3,089 | -1% |
| 80211 | $3,150 | 1% |
| 80212 | $3,089 | -1% |
| 80214 | $3,079 | -1% |
| 80215 | $2,918 | -6% |
| 80216 | $3,154 | 1% |
| 80218 | $3,199 | 3% |
| 80219 | $3,467 | 11% |
| 80220 | $3,246 | 4% |
| 80221 | $2,980 | -4% |
| 80222 | $3,136 | 1% |
| 80223 | $3,398 | 9% |
| 80224 | $3,124 | 0% |
| 80225 | $2,961 | -5% |
| 80226 | $3,048 | -2% |
| 80227 | $3,027 | -3% |
| 80228 | $2,901 | -7% |
| 80229 | $2,950 | -5% |
| 80230 | $3,249 | 4% |
| 80231 | $3,142 | 1% |
| 80232 | $3,067 | -2% |
| 80233 | $2,909 | -7% |
| 80234 | $2,814 | -10% |
| 80235 | $2,989 | -4% |
| 80236 | $3,147 | 1% |
| 80237 | $3,087 | -1% |
| 80238 | $3,133 | 1% |
| 80239 | $3,222 | 3% |
| 80246 | $3,214 | 3% |
| 80247 | $3,269 | 5% |
| 80249 | $3,072 | -1% |
| 80260 | $2,959 | -5% |
| 80262 | $3,142 | 1% |
| 80264 | $3,155 | 1% |
| 80265 | $3,147 | 1% |
| 80266 | $3,099 | 0% |
| 80290 | $3,134 | 1% |
| 80293 | $3,125 | 0% |
| 80294 | $3,133 | 1% |
| 80295 | $3,131 | 1% |
| 80299 | $3,108 | 0% |
Insurers look at several factors besides where you live when calculating your quote. These include:
- Make and model of your car
- Your age
- Driving history
- Claims history
- Coverage limits needed
Denver’s minimum car insurance requirements
Colorado law requires drivers to have at least the state minimum car insurance limits of 25/50/15. This means:
- $25,000 of bodily injury liability coverage for one person
- $50,000 of bodily injury liability coverage for two or more people
- $15,000 of property damage liability coverage
Bodily injury coverage helps cover medical bills for others injured in an accident you cause. Property damage liability handles repair or replacement costs for non-injury costs after an accident.