CarInsurance.com Insights
- According to a CarInsurance.com study, GEICO and Southern Farm Bureau rank among the cheapest car insurance providers in Denver, offering insurance for $345 and $473, respectively, per year for a state minimum policy.
- Comparing car insurance quotes from different insurance companies can help you save an average of $2,958 per year on your car insurance policy.
- For drivers with a speeding violation, Auto-Owners offers the most affordable full coverage car insurance in Denver, averaging $3,448 per year.
- Progressive is among the most affordable car insurance providers for drivers with a DUI in Denver, with an average annual full coverage cost of $4,119.
GEICO, Auto-Owners and Kemper are the top insurers with the most affordable car insurance rates for drivers in Denver, Colorado for a full coverage policy.
In Denver, the average annual cost of a state minimum car insurance policy for an adult with a clean driving record and a good insurance score is $714. If you upgrade to full coverage, the cost increases to $3,600.
Insurance companies determine premiums for each driver differently, taking into account factors like age, driving history and car make and model.
Where you live plays a significant role in determining car insurance rates. Premiums vary widely from one city to another and even between ZIP codes within the same city. Areas with more traffic often see higher accident rates and more claims, so insurers take into account factors such as population density, road conditions and weather.
That’s why our experts have put together this detailed guide to help you make informed choices about car insurance. It also includes a list of the most affordable car insurance providers 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
According to our rate analysis, the average cost of car insurance for state minimum coverage in Denver is $714. For liability-only coverage with limits of 50/100/50, you would pay $38 more a month or $451 more a year.
You can get full coverage (100/300/100) by paying $241 more a month or an additional $2,886 a year. However, a full coverage policy is worth the extra cost because it provides added protection for your vehicle and against potential liability claims.
| 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
Auto-Owners offers the most affordable car insurance rates for drivers in Denver following a speeding ticket, at an average annual cost of $3,448 or $287 per month for full coverage.
GEICO and Kemper also offer cheap insurance rates after a speeding ticket.
Find below the car insurance companies with affordable insurance rates for Denver drivers with a speeding ticket.
| 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 March 2026.
- Insurance Information Institute. “Senior driving safety and insurance tips.” Accessed March 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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