Cheapest Car Insurance In Denver, CO 2025
USAA offers the cheapest liability-only car insurance in Denver, with an average rate of $69 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When scouring for the cheapest car insurance in Denver, CO, the options can vary greatly.
For those seeking the cheapest liability-only coverage, USAA emerges as the most affordable option. Meanwhile, drivers looking for more comprehensive protection find that State Farm offers the best rates for full coverage policies. While GEICO offers the cheapest car insurance rates for young drivers.
Key Takeaways
Denver’s cheapest liability-only car insurance company is USAA.
Car insurance in Denver costs an average of $129 per month.
To get the lowest rates, shop around and compare quotes from multiple carriers.
Cheapest Liability-Only Car Insurance In Denver – USAA
USAA is the cheapest car insurance company for minimum coverage car insurance in Denver, with an average monthly cost of $69.
Use the table below to compare rates across different insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| American National | $72 | $864 |
| GEICO | $81 | $972 |
| Progressive | $95 | $1,140 |
| State Farm | $77 | $924 |
| USAA | $69 | $828 |
Cheapest Full Coverage Insurance In Denver – State Farm
State Farm has the cheapest car insurance rates for full coverage. Their quotes average $119 a month in Denver.
The table below compares average auto insurance quotes from affordable insurers in Denver.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $139 | $1,668 |
| GEICO | $122 | $1,464 |
| Nationwide | $128 | $1,536 |
| Progressive | $133 | $1,596 |
| State Farm | $119 | $1,428 |
Cheapest Car Insurance For Senior Drivers – State Farm
State Farm offers the cheapest car insurance policy for seniors in Denver, at an average rate of $94 a month.
The below table shows average quotes from the cheapest auto insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $102 | $1,224 |
| GEICO | $96 | $1,152 |
| Nationwide | $99 | $1,188 |
| Progressive | $101 | $1,212 |
| State Farm | $94 | $1,128 |
Cheapest Car Insurance In Denver For Teenagers – GEICO
Teenage drivers in Denver can find the cheapest quotes from GEICO, with average monthly premiums of $276.
The table below shows the companies with the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $289 | $3,468 |
| GEICO | $276 | $3,312 |
| Liberty Mutual | $297 | $3,564 |
| Progressive | $304 | $3,648 |
| State Farm | $283 | $3,396 |
Find Affordable Denver Rates
Cheapest Car Insurance In Denver After A Speeding Ticket – USAA
USAA offers the cheapest car insurance in Denver, with average rates of $143 a month for drivers who have a speeding ticket on their record.
You can use the table below to find average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $167 | $2,004 |
| GEICO | $154 | $1,848 |
| Nationwide | $161 | $1,932 |
| State Farm | $149 | $1,788 |
| USAA | $143 | $1,716 |
Cheapest For Drivers With After At-Fault Accident – USAA
USAA offers the cheapest car insurance quotes for drivers with an at-fault incident, with an average rate of $139 per month.
Here are the car insurance companies with the cheapest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $167 | $2,004 |
| GEICO | $154 | $1,848 |
| Progressive | $176 | $2,112 |
| State Farm | $148 | $1,776 |
| USAA | $139 | $1,668 |
Cheapest Rates In Denver For Drivers After A DUI – State Farm
State Farm offers the cheapest rates for drivers after a DUI in Denver, with average monthly premiums of $160.
Drivers in Denver with a DUI can find the cheapest rates in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $182 | $2,184 |
| American Family | $168 | $2,016 |
| GEICO | $176 | $2,112 |
| Progressive | $188 | $2,256 |
| State Farm | $160 | $1,920 |
Best Car Insurance Companies In Denver
Drivers in Denver can find the most affordable insurance with USAA for $154 a month. Denver drivers might want to also consider GEICO at $165 a month, or State Farm at $171 per month.
Shown below are the top 10 car insurance companies in Denver, CO, ranked by the average monthly rate they offer.
| Company | Monthly Premium |
| Allstate | $192 |
| American National | $174 |
| Auto-Owners | $168 |
| Farmers Insurance | $183 |
| GEICO | $165 |
| Liberty Mutual | $197 |
| Nationwide | $176 |
| Progressive | $188 |
| State Farm | $171 |
| USAA | $154 |
Average Car Insurance Cost In Denver
Car accident statistics, weather patterns and other area-specific factors all influence car insurance costs, meaning that what you pay for car insurance in one area will be different to what you pay in another area.
According to our latest research, the average cost of car insurance in Denver is $129 per month, compared to the Colorado state average of $180, and the national average of $172 per month.
| Area | Average Monthly Rate |
| National | $172 |
| Colorado | $180 |
| Denver | $129 |
Average Auto Insurance Rates In Denver – By Age
Age is a key determinant in car insurance rate calculations. Typically, younger drivers encounter higher insurance premiums due to their lack of experience and statistically higher likelihood of accidents and traffic violations. Teenagers can expect to pay around $6,345 per year for car insurance.
As drivers reach 25 years old, their rates usually begin to decrease, assuming they maintain a clean driving record.
The most competitive insurance rates are often offered to drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk, which in turn influences the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $6,345 |
| 20s | $2,985 |
| 30s | $2,645 |
| 40s | $2,495 |
| 50s | $2,365 |
| 60s | $2,275 |
| 70s | $2,445 |
Average Car Insurance Rates In Denver – By Vehicle
The type of vehicle you own plays a significant role in determining your car insurance costs. Insurance companies take into account factors such as the make, model, year, and body type of the car. Typically, newer vehicles, particularly luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates.
You can use the table below to find average rates in Denver for different vehicles.
| Vehicle | Average Monthly Rate |
| Audi Q5 | $229 |
| Chevrolet Malibu | $197 |
| Dodge Ram 1500 | $214 |
| Ford Mustang | $238 |
| GMC Terrain | $202 |
Find Affordable Denver Rates
Average Cost Of Auto Insurance In Denver – By Zip Code
Zip codes help insurers to determine crime rates in your area. Therefore, each zip code has different car insurance rates.
You can use the table below to find average insurance rates for different zip codes in Denver.
| Zip Code | Average Monthly Rate |
| 80219 | $171 |
| 80202 | $185 |
| 80239 | $178 |
| 80204 | $182 |
| 80211 | $174 |
How Much Is Car Insurance In Other Cities In Colorado?
The city in which you live greatly influences your car insurance rates. Insurance companies evaluate numerous factors associated with your location, including the probability of accidents, vehicle theft, and vandalism rates, which are generally higher in urban areas. This heightened risk often results in higher premiums.
For example, drivers in Colorado Springs can expect to pay around $169 per month for car insurance, while residents of Grand Junction pay an average rate of $110 per month.
| City | Average Monthly Rate |
| Fort Collins | $120 |
| Arvada | $145 |
| Aurora | $180 |
| Lakewood | $140 |
| Grand Junction | $110 |
| Pueblo | $156 |
| Colorado Springs | $169 |
FAQs
Who has the lowest car insurance rates in Denver?
The lowest car insurance rates in Denver are offered by USAA for the minimum coverage required by the State of Colorado and State Farm for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Denver?
The average cost of car insurance in Denver is about $129 per month. Rates will vary based on your zip code, year and model of car, driving record, etc.
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Denver.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
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