State Farm has the cheapest car insurance quotes in Denver, based on our survey of the city’s top companies. Progressive, USAA and GEICO also offer cheap coverage to Denver drivers, though, so don’t ignore them while shopping for a policy.
In this article
- What is the cheapest car insurance company in Denver?
- What is the average cost of car insurance in Denver?
- Who has the cheapest car insurance for tickets, accidents and DUIs?
- Who has the cheapest car insurance for teens?
- Who has the cheapest car insurance for seniors?
- What are Denver’s car insurance requirements?
Who has the cheapest car insurance in Denver, Colorado? State Farm
State Farm has the cheapest rates in Denver for both minimum- and full-coverage car insurance. The company’s average rate for minimum coverage is $98 a month and for full coverage it’s $112 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $98 |
| Progressive | $116 |
| USAA | $126 |
| GEICO | $126 |
| Allstate | $157 |
| City average | $171 |
| Farmers | $222 |
| American Family | $253 |
| Nationwide | $272 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Compare car insurance rates with Progressive, too, while shopping for a policy in Denver. Its rates are nearly as affordable as State Farm’s. Progressive’s average monthly rate for minimum coverage is $116 and for full coverage it’s $134.
| Company | Monthly rate |
|---|---|
| State Farm | $112 |
| Progressive | $134 |
| USAA | $137 |
| GEICO | $151 |
| Allstate | $170 |
| City average | $191 |
| Farmers | $250 |
| American Family | $271 |
| Nationwide | $304 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
A minimum-coverage policy meets Colorado’s requirements for liability car insurance, which covers injuries and property damage you cause to others. It won’t cover your own medical bills or car repairs.
A full-coverage policy often includes collision and comprehensive coverages as well as liability coverage. Colorado state law doesn’t require full-coverage car insurance, but many lenders and lessors do. Even if it’s not required, you should consider getting full coverage if your vehicle is new or expensive.
Get cheap car insurance in Denver
How much does car insurance cost in Denver, on average?
The average cost of car insurance in Denver is $171 a month if you buy a minimum-coverage policy. This is slightly higher than the Colorado state average rate for minimum coverage, which is $165 a month.
For a full-coverage car insurance policy, the city average is $191 a month. This, too, is a bit more expensive than the state average of $184 a month.
Compared to the national averages for these amounts of car insurance, minimum coverage costs more in Denver than it does in the U.S. in general, while full coverage is cheaper.
Cheapest car insurance in Denver by driving record: State Farm
State Farm is the cheapest car insurance provider for Denver drivers with incidents like tickets, accidents or DUIs on their records.
At $122 a month, State Farm’s average rate for full-coverage car insurance after a speeding ticket is by far the cheapest in Denver. Still, you can’t go wrong comparing quotes with Progressive and USAA (if you’re eligible), as both companies offer rates that come in below the city average of $243 a month.
| Company | Monthly rate |
|---|---|
| State Farm | $122 |
| USAA | $171 |
| Progressive | $178 |
| Allstate | $188 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm has the cheapest auto insurance for drivers after an accident in Denver, too, charging an average of $132 a month for a full-coverage policy.
| Company | Monthly rate |
|---|---|
| State Farm | $132 |
| USAA | $201 |
| Progressive | $205 |
| Allstate | $268 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
To get the cheapest car insurance with a DUI in Denver, go to State Farm. Its average rate of $122 a month is the lowest in the city by a good margin, based on our data. Progressive also offers affordable coverage in this situation, though, so keep that in mind while shopping for a policy.
| Company | Monthly rate |
|---|---|
| State Farm | $122 |
| Progressive | $163 |
| Allstate | $227 |
| USAA | $287 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Where can I get cheap car insurance in Denver for teen drivers? State Farm
Denver’s teen drivers will find the cheapest car insurance rates from State Farm. The company charges them $292 a month for minimum coverage, on average, and $338 a month for full coverage.
| Company | Monthly rate |
|---|---|
| State Farm | $292 |
| USAA | $297 |
| GEICO | $345 |
| Allstate | $445 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
If you’re a member of the military, or you’re related to someone who is, USAA may have the most affordable car insurance for you as a Denver teen. Its average rate for minimum coverage is $297 a month and for full coverage it’s $330 a month.
| Company | Monthly rate |
|---|---|
| USAA | $330 |
| State Farm | $338 |
| GEICO | $442 |
| Allstate | $499 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
You might notice teen drivers pay much higher rates for car insurance than what an average, 35-year-old adult pays. This is because insurance companies consider teens a higher risk than older, more experienced drivers. Shopping around and comparing rates from multiple companies can help make up the difference, but only to an extent.
Compare car insurance quotes from top companies
Where can I get cheap car insurance in Denver for senior drivers? State Farm
To get the cheapest car insurance rates as a senior driver in Denver, compare rates with State Farm. Its average rates for both minimum and full coverage are the lowest in the city, and far below the city averages.
| Company | Monthly rate |
|---|---|
| State Farm | $91 |
| Progressive | $107 |
| GEICO | $116 |
| USAA | $119 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
For minimum-coverage car insurance, State Farm charges Denver seniors $91 a month, on average. Progressive and GEICO also have affordable rates here, though, so consider them while looking for the coverage. The same is true of USAA, if you qualify.
| Company | Monthly rate |
|---|---|
| State Farm | $104 |
| Progressive | $124 |
| USAA | $130 |
| GEICO | $140 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
For full-coverage policies, State Farm charges Denver seniors an average of $104 a month. Again, don’t ignore GEICO, Progressive or USAA, each of which offer rates that come in below the city average of $170 a month.
What are Denver’s car insurance requirements?
Denver drivers need to have 25/50/15 car insurance at a minimum, according to Colorado state law. This means all policies must have at least:
- $25,000 of coverage for bodily injury to or death of any one person in an accident
- $50,000 of coverage for bodily injury to or death of all persons in any one accident
- $15,000 of coverage for property damage in an accident
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Denver ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Colorado’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Car insurance by city
- Denver
- Aurora
- Colorado Springs
QuoteWizard.com LLC has made every effort to ensure that the information on this site is correct, but we cannot guarantee that it is free of inaccuracies, errors, or omissions. All content and services provided on or through this site are provided "as is" and "as available" for use. QuoteWizard.com LLC makes no representations or warranties of any kind, express or implied, as to the operation of this site or to the information, content, materials, or products included on this site. You expressly agree that your use of this site is at your sole risk.