CarInsurance.com Insights
- CarInsurance.com’s research shows that GEICO and Southern Farm Bureau offer the lowest state minimum car insurance rates in Denver, with yearly premiums of $345 and $473, respectively.
- By shopping around and comparing quotes from multiple insurers, drivers in Denver can save an average of $2,958 per year on full coverage car insurance.
- Drivers in Denver with a speeding ticket can find the cheapest full coverage car insurance with Auto-Owners, at an average annual cost of $3,448.
- Progressive stands out as an affordable option for drivers with a DUI in Denver, with average full coverage cost of $4,119 per year.
According to a detailed data analysis, GEICO, Auto-Owners and Kemper provide cheap car insurance rates for drivers in Denver, Colorado for a full coverage policy.
Car insurance in Denver for an adult with a clean driving record and good insurance score costs $714 a year for a state minimum policy and $3,600 for a full coverage policy.
Insurance companies consider drivers as individuals, factoring in their age, driving history, the make and model of their car and other factors.
Where you live is also a significant factor. Car insurance rates can vary significantly from city to city and even from one ZIP code to another. More traffic typically translates to more accidents and claims, so insurers look at neighborhoods and consider population density, road conditions, weather and other factors to calculate premiums.
That’s why our experts have created this comprehensive guide to help you make smart decisions about car insurance. It also lists the cheapest car insurance carriers and rates in Denver.
Who offers the cheapest car insurance rates in Denver, Colorado?
In Denver, GEICO has the lowest rates for a state minimum policy, costing $345 per year or $29 per month. Its full coverage car insurance averages $2,139 annually for the coverage limits of 100/300/100 coverage and $500 collision and comprehensive deductibles.
Below, we mentioned the insurers that offer affordable car insurance for Denver drivers.
| Insurance company | Annual premium |
|---|---|
| GEICO | $2,139 |
| Auto-Owners | $3,007 |
| Kemper | $3,056 |
| Progressive | $3,349 |
| Southern Farm Bureau | $3,849 |
| Farmers | $4,126 |
| Allstate | $4,321 |
| State Farm | $4,867 |
| Acuity Insurance | $5,097 |
| USAA | $2,189 |
Average car insurance rates in Denver
Based on our rate analysis, the average cost of car insurance for state minimum coverage in Denver is $714. If you choose liability-only coverage with limits of 50/100/50, you’ll pay $38 more per month or $451 more per year.
For full coverage (100/300/100), you would pay an additional $241 per month or $2,886 more annually. Experts recommend purchasing a full coverage policy as it provides more protection than state minimum and liability-only policies.
| Coverage type | Annual premium |
|---|---|
| State minimum | $714 |
| Liability only (50/100/50) | $1,165 |
| Full coverage (100/300/100, $500 ded.) | $3,600 |
| Full Coverage – 100/300/100 BI/PD – 250 Comp/Coll | $4,028 |
| Full Coverage – 100/300/100 BI/PD – 1000 Comp/Coll | $3,206 |
| Non-owners | $411 |
Cheapest rates for drivers in Denver, Colorado, by age
Age is an important factor that insurance companies take into account when determining car insurance rates for drivers.
Teen drivers (ages 16 to 19) are at a higher risk of accidents due to their inexperience. The Centers for Disease Control and Prevention (CDC) reports that teen drivers are much more likely to be involved in fatal accidents compared to adults. As the risk of accidents rises, so do car insurance rates.
Drivers in their 40s, 50s and 60s typically pay less for car insurance than teen drivers because they are more likely to adhere to traffic laws and have more driving experience.
| Age group | Insurance company | Annual premium |
|---|---|---|
| Teens (16-19) | Southern Farm Bureau | $7,421 |
| Young adults (20-24) | GEICO | $3,182 |
| Adults (25-60) | GEICO | $2,112 |
| Seniors (65-75) | GEICO | $2,245 |
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Cheapest car insurance rates for Denver drivers after a speeding ticket
Our data shows that Auto-Owners has the most affordable car insurance rates for drivers in Denver after a speeding ticket, with an average annual cost of $3,448 or $287 monthly. GEICO and Kemper also offer affordable premiums to drivers with speeding tickets on their records.
Below is a list of car insurance companies that offer affordable rates for Denver drivers with speeding tickets.
| Insurance company | Rate before ticket | Rate with speeding ticket | Rate increase (%) |
|---|---|---|---|
| Auto-Owners | $3,007 | $3,448 | 15% |
| GEICO | $2,139 | $3,758 | 76% |
| Kemper | $3,056 | $4,080 | 33% |
| Progressive | $3,349 | $4,435 | 32% |
| Allstate | $4,321 | $4,677 | 8% |
| State Farm | $4,867 | $5,229 | 7% |
| Farmers | $4,126 | $6,915 | 68% |
| USAA | $2,189 | $2,726 | 25% |
Cheap car insurance for drivers with a DUI in Denver
If you’re a driver with a DUI in Denver, finding affordable car insurance can be challenging. However, Progressive, GEICO and Auto-Owners offer cheap car insurance rates for drivers in Denver after a DUI conviction.
The table below lists affordable car insurance companies in Denver that offer coverage to individuals with a DUI.
| Insurance company | Rate before DUI | Rate with DUI | Rate increase (%) |
|---|---|---|---|
| Progressive | $3,349 | $4,119 | 23% |
| GEICO | $2,139 | $4,425 | 107% |
| Auto-Owners | $3,007 | $4,956 | 65% |
| State Farm | $4,867 | $5,229 | 7% |
| Allstate | $4,321 | $5,410 | 25% |
| Kemper | $3,056 | $6,717 | 120% |
| Farmers | $4,126 | $7,978 | 93% |
| USAA | $2,189 | $4,623 | 111% |
Affordable car insurers for Denver drivers after an at-fault accident
Car insurance rates increase after an at-fault accident in Denver for most drivers. However, some insurers offer affordable premiums to high-risk drivers.
In Denver, GEICO offers the cheapest car insurance for drivers with an at-fault accident on their records. Other insurers that offer affordable premiums are Kemper and Auto-Owners.
See the table below to see which insurers offer cheap auto insurance premiums for Denver drivers with an accident on their driving records.
| Insurance company | Rate before at-fault accident | Rate with at-fault accident | Rate increase (%) |
|---|---|---|---|
| GEICO | $2,139 | $3,835 | 79% |
| Kemper | $3,056 | $4,148 | 36% |
| Auto-Owners | $3,007 | $4,222 | 40% |
| Progressive | $3,349 | $5,322 | 59% |
| State Farm | $4,867 | $5,623 | 16% |
| Allstate | $4,321 | $6,174 | 43% |
| Farmers | $4,126 | $6,343 | 54% |
| USAA | $2,189 | $3,206 | 46% |
Compare car insurance quotes in Denver: How to save on an insurance policy?
CarInsurance.com’s rate analysis shows that you could save an average of $2,958 per year or $247 per month on a full coverage policy in Denver, Colorado, by comparing insurance quotes. Though savings will depend on factors like your location, age and driving record, comparing policies can lead to significant savings.
Expert’s take on getting car insurance in Denver
Shopping for a new auto insurance policy at renewal time is the best way to ensure you have the cheapest car insurance in Denver, Colorado. Maximize your discounts, drive a vehicle with plenty of safety features and maintain a good driving record to pay less for car insurance.
Resources and Methodology
Sources
- Centers for Disease Control and Prevention. “Teen drivers.” Accessed February 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed February 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 40-year-old male and female drivers carrying full coverage policies with limits of 100/300/100 and $500 collision and comprehensive deductibles. Read the detailed methodology for more information.
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