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Beth Swanson

SEO Content Strategist

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Beth joined The Zebra in 2022 as an Associate Content Strategist. She is a licensed insurance agent whose goal is to make insurance content easy to r…

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Nathan Foster

Agency Trainer

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  • Licensed Insurance Agent - Property and Casualty

Nathan is an insurance professional with a focus on creating positive customer experiences with more than 10 years of industry experience.

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Kristine Lee

Insurance Analyst

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  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Denver?

The cost of car insurance in Denver can be quite high, with an average payment of $1,198 for a six-month policy, or $200 per month, for drivers. These rates exceed both the state average of Colorado and the national average, which are $1,080 and $880, respectively. Our survey indicates that 40% of our Denver customers are paying too much for car insurance coverage. Fortunately, based on our latest data, USAA's current rates are nearly 46% lower than the industry standard, with a six-month policy costing only $775.

Whether you are satisfied with your current provider, exploring other options, or seeking more information about auto insurance in Denver, The Zebra is here to assist. Let's delve into how various factors, such as age, credit score, and location, can impact your premiums and find ways to secure the best possible rate.

Car Insurance in Denver vs. Colorado Avg. 6 Mo. Premium
Colorado Average $1,080
Denver Average $1,198

The cheapest car insurance companies in Denver

1st place medal
1st place: USAA

USAA is the cheapest auto insurer in Denver at $129 per month or $775 for a six-month policy. But USAA car insurance is only available to members, so be sure to check your eligibility.

2nd place medal
2nd place: State Farm

In second place is State Farm, which costs $147 per month (or $882 for a six-month term).

3rd place medal
3rd place: Colorado Farm Bureau

Rounding out the list is Colorado Farm Bureau as the third-cheapest insurance company in Denver. On average, a CO Farm Bureau policy in Denver costs $941 per six-month policy.

The Zebra's key takeaways about car insurance in Denver:

  • The average cost of a car insurance policy in Denver is $1,198 per six-month policy — $200 per month.
  • The cheapest company in Denver is USAA ($775).
  • Denver ranks #32 on our list of most expensive cities for car insurance in Colorado.
  • 40% of Zebra customers in Denver stated they used our product because they were paying too much for car insurance with their current provider.

Are you paying too much for auto insurance?

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Denver car insurance rates by company

As per our 2024 data, Denver residents can find the cheapest car insurance rates for full coverage with USAA, which offers $129 per month or $775 for a six-month policy. Keep in mind that USAA is designed for military members, so check to see if you're eligible for their coverage. Following closely behind, State Farm offers the second-lowest rates with $147 per month or $849 for a six-month policy.

If you're looking for more information on top-rated car insurance companies, The Zebra's Customer Satisfaction Survey can be a valuable resource. Let us help you make an informed decision about your car insurance coverage.

Cheapest car insurance companies in Denver, CO
Company Avg. 6 Mo. Premium
USAA $775
State Farm $879
Colorado Farm Bureau Mutual $941
Nationwide $1,003
GEICO $1,092
Progressive $1,528
American Family $1,545
Allstate $1,661

The Zebra’s Dynamic Insurance Rating Tool data methodology — auto insurance

The auto insurance rates displayed throughout this page come from The Zebra’s Dynamic Insurance Rating Tool, a proprietary insurance premium estimator that uses the most recent rate filings across the United States at the ZIP code level to provide up-to-date rate data. Most insurance companies file car insurance rates one to two times a year. This data comes from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is programmed into The Zebra’s dynamic rating tool.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data methodology.


Shop around for the best rates


When searching for affordable car insurance in Denver, comparing policies is essential. Our online comparison tool makes the process easy and hassle-free. By entering your ZIP code, you can view rates from leading insurers such as State Farm, Progressive, GEICO, Nationwide, and more. In just a few minutes, you can find the best and most affordable car insurance coverage that suits your needs. Let us help you simplify the process of shopping for car insurance. Try our online comparison tool today and secure the best rates for your Denver car insurance.

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Average car insurance in Denver by rating factor

Denver drivers' individual car insurance rates are determined by insurers based on a range of rating factors. These rating factors refer to details about the driver that insurers use to assess the level of risk they pose. Such rating factors can include age, gender, location, credit score, and other relevant factors. Although most insurance companies use similar rating factors, the extent to which these factors influence a driver's premium can vary.

It's worth noting that some rating factors may change over time, which means that the most suitable car insurance provider for a driver may also change. Obtaining new quotes regularly can help drivers determine whether they are still receiving the best rates for their coverage needs.

Q: I didn't have an accident — Why is my insurance going up?

A: In Denver, the cost of car insurance is determined by various rating factors, including end-of-year earnings, which compare the revenue of premiums to the cost of paying out claims. Even if you have a perfect driving record with no claims, you may still be charged higher rates by a specific insurer due to increased business expenses in your area. At The Zebra, we understand that navigating the world of car insurance can be confusing and overwhelming. That's why our team is here to help you find the most competitive rates and the coverage you need. Contact us today to explore your options and find the best possible car insurance coverage for your needs and budget.

Auto insurance premiums by age in Denver

Age plays a significant role in the determination of car insurance rates by insurance companies in Denver. Teen drivers and their parents may be surprised to discover that they are subject to considerably higher auto insurance premiums than other age groups. Insurers have collected data indicating that teens have a higher accident rate, and as a result, they carry the burden of the highest car insurance costs in many locations. Through these increased expenses, the insurance company can offset the cost of claims.

In Denver, new policy premiums for teen drivers are over $5,000 higher per year than those for drivers in their 20s. While it may not seem entirely fair, it's crucial to keep in mind that the insurance company's objective is to help mitigate the risk associated with inexperienced drivers. As you grow older and gain more experience, your rates will gradually become more reasonable.

Cheapest car insurance companies for teen drivers in Denver, CO
Company Avg. 6 Mo. Premium
Colorado Farm Bureau Mutual $1,688
USAA $2,279
American Family $2,635
State Farm $3,152
Nationwide $3,216
GEICO $3,232
Allstate $3,919
Progressive $7,464
Age Bracket Cheapest Companies Avg. 6 Mo. Premium
20s USAA $1,011
30s USAA $741
40s USAA $641
50s USAA $648
60s USAA $660
70s USAA $776

Zebra Tip: The cheapest companies for Denver drivers between 20-30 are USAA, Colorado Farm Bureau and State Farm


The majority of drivers in Denver are between the ages of 20-29 years old and typically pay $1,544 every six months for car insurance coverage. However, partnering with a reputable insurance company can potentially save drivers in this age range up to 28% on their premiums. It's important to note that USAA, which offers competitive rates, is only available to military members and their families, and therefore, inaccessible to others.

Auto insurance premiums for minimum coverage in Denver

The level of coverage you choose is a large part of what you pay for car insurance rates. According to our data, 29% of Denver drivers only carry the state minimum required coverage. While, technically, this is enough coverage in the eyes of the law, only having the state minimum coverage level leaves you at risk of being underinsured.

Adding collision coverage or comprehensive coverage (commonly known as "full coverage" when purchased together) will increase your rate, but also increases your peace of mind and financial security in the event of an accident. These coverages typically require a deductible, which can also impact your rates, but sometimes you can use that to your advantage. Consider raising your deductible, as this will inversely lower your monthly rate.

Also, consider extras such as roadside assistance or uninsured motorist coverage. While they will also add to your overall car insurance premiums, experts at The Zebra still recommend carrying these options to stay as protected as possible.

Q: Can I lower my car insurance coverage?

A: Possibly — if your vehicle is paid off.

Our data analysis shows that 52% of drivers in Denver have owned vehicles. If you're not leasing or financing your car, it's important to assess whether you need comprehensive or collision coverage. We recommend using a trusted resource such as Kelley Blue Book to determine the actual cash value of your vehicle. In general, if your car is valued at less than $4,000, you probably won't require collision coverage. However, it's important to remember that by dropping these coverages, you'll be responsible for any repair expenses out of your own pocket.

Cheapest car insurance companies for minimum coverage in Denver, CO
Company Avg. 6 Mo. Premium
USAA $239
GEICO $270
Colorado Farm Bureau Mutual $288
State Farm $326
Nationwide $413
American Family $425
Progressive $440
Allstate $471
  • Minimum: State liability coverage only
  • Basic: State liability + collision and comprehensive (full) coverage
  • Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
  • Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.

The basic level of coverage is the most popular with our customers in Denver, but it might not be right for you. We also understand that carrying the state minimum coverage is a budget-friendly solution, but it can leave you in serious risk. Colorado's 25/50/15 liability limits provide coverage for damage you cause up to $25,000 per person in bodily injury, $50,000 per accident in bodily injury and $15,000 for property damage. This would most likely be sufficient for a minor incident or fender-bender, but when bodily injury or multiple vehicles are involved, it could leave you in a precarious position.

Learn more about insurance laws in Colorado.

Denver car insurance rates by credit score

In Denver and many other states, credit score is one of the factors used to determine auto insurance premiums. Insurance companies use credit scores to set rates for a variety of reasons. Historical data analysis suggests that drivers with lower credit scores are more likely to make claims, experience lapses in coverage, and engage in risky driving practices. Since bad credit is correlated with increased risk, drivers with lower credit scores will typically pay higher premiums.

Our analysis reveals that Denver drivers with poor credit scores (300-579) pay 99% more in premiums compared to those with excellent credit scores (800-850). The majority of Denver drivers have a credit score that falls in the excellent (720+) category, according to our 2024 research. Based on our findings, USAA is the cheapest car insurance option for Denver drivers in this credit score range.

car insurance in denver by credit score
Cheapest car insurance companies for bad credit in Denver, CO
Company Avg. 6 Mo. Premium
GEICO $1,401
Nationwide $1,432
USAA $1,453
State Farm $1,732
Colorado Farm Bureau Mutual $1,862
American Family $1,997
Allstate $2,432
Progressive $2,681

Zebra Tip: If you recently improved your credit score, shop around for car insurance!


Per our analysis, Denver drivers who have "Fair" credit scores generally pay $1,132 less annually for car insurance compared to drivers with "Poor" credit scores. If you have recently paid off a loan or taken other actions to improve your credit score, it's worthwhile to check your preferred credit monitoring service to see if your recent efforts could potentially save you on your car insurance premiums. Keep in mind that credit score is a major determining factor in car insurance rates, so taking steps to improve your credit can lead to significant savings.

Auto insurance rates with an at-fault accident

At-fault and collision-type accidents are the most common insurance claims. In Denver, an at-fault accident resulted in an increase in the average monthly car insurance rates by anywhere from $45 to $97 in 2024. The cheapest insurance provider in Denver following an at-fault accident is USAA.

For consistently affordable auto insurance rates it's critical to maintain a clean driving record, regardless of where you live. Your premiums will be affected by various factors, including reckless driving charges, DUIs and DWIs, speeding tickets, and at-fault accidents. The severity of the citation or accident determines how long your premiums will be affected, with the duration ranging from three to five years. While at-fault accidents and speeding tickets typically remain on your record for three to five years, DUIs and DWIs can have a more long-lasting effect.

Cheapest car insurance companies after an at-fault accident in Denver, CO
Company Avg. 6 Mo. Premium
USAA $1,099
Colorado Farm Bureau Mutual $1,146
State Farm $1,168
Nationwide $1,536
American Family $1,792
GEICO $1,906
Progressive $2,267
Allstate $2,316

Denver car insurance rates by violation

Below you can see how much different violations and claims will increase your rate in Denver.

Car insurance rate increases after violations and citations in Denver, CO
Accident/Violation Avg. 6 Mo. Premium % Rate Increase $ Rate Increase
None $1,199 0% $0
One Med/PIP claim $1,204 0% $5
Two Med/PIP claims $1,229 3% $30
Not-at-fault accident $1,229 3% $31
One comp claim $1,232 3% $33
Two comp claims $1,274 6% $76
Failure to wear a seat belt $1,314 10% $115
Failure to show documents $1,335 11% $136
Child safety restraint $1,336 11% $137
Driving without lights $1,340 12% $141
Driving with expired registration $1,387 16% $188
Texting while driving $1,412 18% $213
Cell phone violation $1,427 19% $228
Failure to stop at a red light $1,443 20% $244
Illegal turn $1,443 20% $244
Failure to yield $1,443 20% $244
Following too closely $1,443 20% $245
Driving too slowly $1,445 21% $246
Improper passing $1,454 21% $255
Speeding 6 - 10 MPH over limit $1,457 22% $258
Speeding 11 - 15 MPH over limit $1,461 22% $262
Speeding 16 - 20 MPH over limit $1,461 22% $262
Wrong way/wrong lane $1,467 22% $268
At-fault accident - less than $1000 $1,471 23% $272
Speeding in school zone $1,474 23% $275
Passing school bus $1,496 25% $297
In 65 MPH zone $1,561 30% $362
Operating a vehicle without permission $1,566 31% $367
Speeding 21 - 25 MPH over limit $1,590 33% $392
Open container $1,649 38% $450
At-fault accident - greater than $2000 $1,781 49% $583
At-fault accident - $1000-$2000 $1,781 49% $583
Driving with a suspended license $1,908 59% $709
Reckless driving $2,059 72% $860
Refusal to submit to a chemical test $2,078 73% $879
Racing $2,115 76% $916
DUI $2,125 77% $926
Leaving scene of an accident/hit and run $2,205 84% $1,007

Why is car insurance in Denver so expensive?

Auto insurance rates in Denver can be pricey for many reasons. The city's high cost of living is one factor that can result in insurance companies charging more to cover their costs. Additionally, other factors like credit history, driving record, and coverage level can also impact insurance rates. In the forthcoming paragraphs, we will delve into why car insurance is costly in Denver, regardless of your driving profile.

location
Location

Your premiums are determined not only by your credit score and driving record but also by the specific neighborhood in which you reside. ZIP codes throughout Denver can experience varying levels of crime, theft, and uninsured drivers. If you live in an area known for higher crime rates, it is likely that your auto insurance premiums will be higher than those who live in safer areas.

Expensive Denver ZIP codes: 80219, 80223, 80247, 80239, 80249

Cheap Denver ZIP codes: 80234, 80233, 80123, 80260, 80229

weather
Weather

The damage caused by weather-related perils can and has bankrupted insurance companies. Because of this risk, it’s expensive for auto insurance companies in certain geographical locations to do business. As such, they will raise their rates to anticipate further weather-related losses. Damage to your vehicle caused by flooding is covered under your comprehensive coverage, and flooding can happen just about anywhere, including the Denver area.

drivers
Drivers

As Denver's population continues to boom, it leads to more drivers on the road, as well, and therefore accidents. The costs of accident-related claims are passed along to other drivers in the area through higher premiums — even for drivers who are safe or don't use their vehicles often. According to our data, about 27% of drivers in Denver are not currently insured, and if an uninsured driver hits you in Denver, you could be left paying for the damage yourself. We suggest purchasing uninsured motorist coverage (UMP) as a part of your insurance policy to help protect against situations with uninsured drivers. 

Zebra Tip: Use your comprehensive coverage to protect your vehicle against wildfires


Damage caused by wildfires is covered under comprehensive coverage. If you're worried about fires or other weather-related events damaging your vehicle, consider if this coverage is right for you.


Bundling insurance policies in Denver

Even with car insurance rates escalating across the nation, don't lose hope as there are still methods for trimming expenses. When scouting for a new auto insurance policy, evaluate the potential benefits of bundling it with your existing home or renters insurance. By opting for this bundling strategy, you may frequently secure a generous discount — potentially reducing your combined premiums by 10% or more. Enhance your understanding of the perks associated with bundling home and car insurance policies.

If you currently have separate home and car insurance policies, it could be helpful to explore if bundling them can reduce costs. More often than not, the savings make the attempt more than worth it.

bundling home and auto insurance in Denver
Cheapest car insurance companies for bundling home and auto insurance in Denver, CO
Company Avg. 6 Mo. Premium
State Farm $728
USAA $741
Colorado Farm Bureau Mutual $780
Nationwide $885
GEICO $1,038
American Family $1,377
Progressive $1,426
Allstate $1,442

Even though some things may be beyond your influence, drivers have the ability to enhance their profiles to make them more attractive to insurance companies. The most valuable advice we can offer is to conduct research and compare quotes from numerous auto insurance providers to find the most affordable rate that meets your coverage and service requirements. This is particularly crucial if there have been any changes in your personal circumstances, such as moving, celebrating a birthday, or improving your credit score. Bear in mind that certain insurers are more expensive than others, so don't be hesitant to switch providers.

Find the best rates for both auto and home insurance in minutes!

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Frequently asked questions

The average for a six-month auto insurance policy in Denver is $1,198 for a six-month policy or $200 per month. This is more expensive than both the national and Colorado state averages.

USAA is the carrier with the cheapest rates in Denver, coming in at an average of $775 per six-month policy. However, USAA coverage is only available to USAA members.

Teenagers in Denver pay over $4,000 for a six-month policy or $716 per month. Because car insurance is so expensive for teen drivers who have their own policy, we recommend that young drivers be added to their parents' policies to significantly bring down the cost.


Find affordable rates in minutes!

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How much is car insurance near me? Explore more cities near Denver, CO


Recently answered questions about car insurance in Denver from real Zebra customers

Car insurance near me in Denver

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.