Cheap Car Insurance in Denver

Denver’s cheapest full coverage car insurance: State Farm

State Farm has the cheapest full coverage car insurance in Denver at $2,163 a year, or $180 a month. State Farm’s rate is 34% cheaper than the city average of $3,259 a year.

USAA has the overall cheapest rate for full coverage 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.

Denver full coverage car insurance quotes

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

Cheap liability-only car insurance in Denver: State Farm

Denver drivers get the cheapest liability car insurance with State Farm at $801 a year, or $67 a month. Progressive is the next-cheapest company for liability coverage at $815 a month.

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

Best cheap car insurance for Denver teens: State Farm

State Farm has the cheapest car insurance for young drivers in Denver. Its liability car insurance rates for young drivers average $2,762 a year, while its full coverage rates average $6,331.

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

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

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

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

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

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

Best car insurance companies in Denver

State Farm is the best car insurance company in Denver. It offers the cheapest average rates for most drivers in the city and good financial strength. The company’s good J.D. Power score suggests its customers are happy, too.

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++

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

Insurers look at several factors besides where you live when calculating your quote. These include:

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:

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.