Cheapest Car Insurance In Denver, CO 2024
For drivers in Denver seeking minimum coverage, GEICO has the lowest rates, averaging just $31 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re on the hunt for affordable car insurance in Denver, CO, you’ll find that prices can vary widely.
If you’re looking for the lowest cost on liability-only insurance, GEICO takes the lead. GEICO again offers the most competitive rates for full coverage, and GEICO once more provides the best deals for young drivers.
Cheapest Car Insurance Companies In Denver, CO
Cheapest Liability-only Car Insurance In Denver: GEICO
GEICO provides the cheapest minimum coverage car insurance in Denver, with an average cost of $31 a month.
Use the table beneath to see how rates differ between insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $31 | $364 |
| Progressive | $47 | $560 |
| Nationwide | $46 | $552 |
| State Farm | $40 | $480 |
| Kemper | $46 | $556 |
Cheapest Full Coverage Insurance Rates In Denver: GEICO
In Denver, GEICO provides the most affordable full coverage car insurance, costing an average of $68 a month.
Below is a table comparing average auto insurance rates from low-cost insurers in Denver.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $68 | $810 |
| State Farm | $88 | $1,060 |
| Nationwide | $101 | $1,214 |
| Allstate | $97 | $1,161 |
| Progressive | $89 | $1,067 |
Cheapest Car Insurance Rates For Seniors: State Farm
In Denver, State Farm provides seniors with the most affordable car insurance, averaging $79 a month.
Below is a table listing average quotes from the cheapest car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $79 | $950 |
| Nationwide | $90 | $1,084 |
| Progressive | $88 | $1,060 |
| Farmers | $124 | $1,490 |
| Kemper | $119 | $1,433 |
Cheapest Rates In Denver For Teenagers: Kemper
In Denver, teenage drivers can get the cheapest insurance from Kemper, which has an average monthly rate of $184.
Below is a table highlighting the insurance companies with the most affordable rates for teens.
| Provider | Average Monthly Cost | Average Annual Cost |
| Kemper | $184 | $2,199 |
| State Farm | $223 | $2,670 |
| Nationwide | $217 | $2,608 |
| Farmers | $408 | $4,890 |
| Allstate | $215 | $2,577 |
Cheapest Auto Insurance For Young Adults in Denver: GEICO
In Denver, young adults can find the cheapest car insurance from GEICO, with an average monthly premium of $75.
Use the table below to check out the most affordable auto insurance options in Denver for young adults.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $75 | $901 |
| Allstate | $117 | $1,398 |
| Nationwide | $129 | $1,549 |
| State Farm | $115 | $1,380 |
| Kemper | $142 | $1,705 |
Cheapest Car Insurance In Denver For Good Drivers: GEICO
In Denver, good drivers can get the lowest car insurance quotes from GEICO, averaging $31 a month.
Good drivers can use the table below to check average quotes from the most budget-friendly insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $31 | $364 |
| Progressive | $47 | $560 |
| Nationwide | $46 | $552 |
| State Farm | $40 | $480 |
| Kemper | $46 | $556 |
Find affordable Denver rates
Cheapest Car Insurance In Denver After A Speeding Ticket: Farm Bureau
Colorado Farm Bureau is among the most affordable options in Denver, with average rates of $91 per month for drivers with a speeding ticket on their record.
You can refer to the table below to see the average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Colorado Farm Bureau | $91 | $1,090 |
| Auto-Owners | $106 | $1,270 |
| State Farm | $96 | $1,156 |
| Allstate | $108 | $1,299 |
| Progressive | $115 | $1,385 |
Cheapest For Drivers With After At-Fault Accident: Farm Bureau
For drivers with an at-fault accident, Colorado Farm Bureau offers the lowest car insurance rates, with an average monthly premium of $96.
The following insurance companies provide the most affordable rates for drivers who have an at-fault incident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Colorado Farm Bureau | $96 | $1,142 |
| Auto-Owners | $151 | $1,810 |
| Progressive | $149 | $1,782 |
| Nationwide | $158 | $1,890 |
| Allstate | $136 | $1,630 |
Cheapest Rates In Denver For Drivers After A DUI: State Farm
In Denver, State Farm offers the most affordable car insurance for drivers with a DUI, with an average monthly rate of $96.
Use the table below to find the most affordable car insurance rates for drivers in Denver with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $96 | $1,155 |
| Auto-Owners | $185 | $2,214 |
| Progressive | $104 | $1,250 |
| GEICO | $164 | $1,972 |
| Allstate | $128 | $1,530 |
Best Car Insurance Companies In Denver
GEICO provides the cheapest car insurance in Denver at $31 a month, with Progressive at $47 and Nationwide at $46 as good alternatives.
The following table shows the top 10 car insurance companies in Denver, CA, ranked by their average monthly rates.
| Company | Monthly Premium |
| GEICO | $31 |
| Progressive | $47 |
| Nationwide | $46 |
| State Farm | $40 |
| Kemper | $46 |
| NJM | $49 |
| Allstate | $65 |
| Auto-Owners | $39 |
| Colorado Farm Bureau | $30 |
| Farmers | $70 |
Average Auto Insurance Rates In Denver – By Age
One of the key factors in calculating car insurance rates is age. Younger drivers generally face higher premiums due to their limited experience and higher chances of accidents or violations. Teens usually pay around $4,236 each year for insurance.
Once drivers reach the age of 25, their insurance premiums often decrease, as long as they keep a clean driving history.
The most affordable insurance rates are typically available to drivers in their 50s and early 60s. Insurance companies use age to assess driving experience and risk, which affects premiums.
| Age | Average Yearly Rate |
| Teenagers | $4,236 |
| 20s | $2,749 |
| 30s | $2,038 |
| 40s | $1,871 |
| 50s | $1,631 |
| 60s | $,621 |
| 70s | $1,710 |
Average Rates In Denver – By Vehicle
Your car’s make, model, year, and body type are key factors in determining your insurance costs. Newer vehicles, particularly luxury models with modern technology and high replacement values, typically have higher premiums.
Use the table below to see average insurance rates in Denver for different types of vehicles.
| Vehicle | Average Monthly Rate |
| Buick Enclave | $983 |
| Buick Lacrosse | $418 |
| Chevrolet Trax | $475 |
| Honda Civic | $180 |
| Toyota Corolla | $178 |
How Much Is Car Insurance In Other Cities In Colorado?
Where you live has a significant impact on your car insurance costs. Insurance companies assess factors such as accident likelihood, theft, and vandalism, all of which are typically higher in urban areas, resulting in higher rates.
As an example, drivers in Aurora typically pay about $156 per month for insurance, compared to Grand Junction residents who pay an average of $94 per month.
| City | Average Monthly Rate |
| Englewood | $127 |
| Fort Collins | $118 |
| Golden | $129 |
| Grand Junction | $94 |
| Arvada | $132 |
| Aurora | $156 |
| Boulder | $120 |
| Broomfield | $119 |
| Pueblo | $125 |
| Colorado Springs | $144 |
Average Cost Of Auto Insurance In Denver – By Zip Code
Zip codes are used by insurance companies to evaluate local crime rates, and as a result, car insurance premiums differ depending on your zip code.
You can refer to the table below to compare average car insurance rates for different zip codes in Denver.
| City | Average Monthly Rate |
| 80204 | $170 |
| 80222 | $164 |
| 80222 | $168 |
| 80238 | $174 |
| 80216 | $180 |
Find affordable Denver rates
Our Methodology
Through a comprehensive assessment that includes customer service ratings, product options, pricing details, and a review of feedback from online platforms and user experiences, I’ve compiled a thorough view of Denver car insurance market.
Quotes Analyzed
Years Of Industrial Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Denver?
The most affordable car insurance in Denver comes from GEICO for minimum coverage and for full coverage, which includes both comprehensive and collision.
What is the average cost of car insurance in Denver?
The typical monthly cost for car insurance in Denver is approximately $170, but rates may vary based on your zip code, car year and model, and driving record.
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