Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Denver, CO for senior drivers are $2,599/year
  • Average car insurance rates in Denver, CO are $371/month
  • The cheapest car insurance company in Denver for teen drivers is USAA

Average car insurance rates in Denver, Colorado are $371 a month. But with a little research you can get a great deal from the top car insurance companies in Denver, CO. Before you buy Denver, Colorado car insurance, make sure your coverage meets or exceeds the Colorado minimum of 25/50/15.

It may even be helpful to compare Denver car insurance rates with Greeley car insurance rates, Lakewood car insurance rates, or Boulder car insurance rates to make sure you’re getting the best Denver, CO car insurance quotes available.

Need affordable Denver, CO car insurance? Enter your ZIP code to compare Denver car insurance quotes from multiple car insurance companies near you.

Denver, CO Minimum Car Insurance Coverage

Denver, Colorado law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Denver, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Denver, CO Car Insurance Rates by Coverage Level

Some Denver drivers can get by with the Colorado minimum coverage of 25/50/15. Other drivers may need more. See how much your Denver, Colorado car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Denver, Colorado

Insurance Company Low Medium High
Allstate $5,728 $6,096 $6,542
American Family $4,250 $4,575 $4,631
Farmers $5,218 $5,924 $6,910
GEICO $3,029 $3,374 $3,945
Liberty Mutual $3,130 $3,332 $3,574
Nationwide $4,511 $4,535 $4,542
Progressive $4,271 $4,708 $5,093
State Farm $3,580 $3,888 $4,185
USAA $3,362 $3,540 $3,715

Denver, CO Car Insurance Rates by Age, Gender, and Marital Status

Denver, Colorado car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Denver, CO car insurance, get quotes from multiple car insurance companies in the Denver area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Denver, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,693 $3,444 $3,355 $3,385 $13,195 $13,883 $4,013 $4,009
American Family $3,064 $3,064 $2,766 $2,766 $7,423 $9,987 $3,064 $3,747
Farmers $3,425 $3,394 $3,091 $3,346 $13,596 $13,739 $3,765 $3,785
GEICO $2,143 $2,361 $2,328 $2,688 $6,903 $7,265 $1,950 $1,958
Liberty Mutual $2,153 $2,070 $1,837 $2,027 $6,858 $7,474 $2,171 $2,172
Nationwide $2,986 $3,035 $2,671 $2,818 $7,706 $9,843 $3,452 $3,726
Progressive $2,807 $2,618 $2,469 $2,455 $9,905 $11,056 $3,159 $3,060
State Farm $2,370 $2,370 $2,161 $2,161 $7,160 $9,022 $2,665 $3,163
USAA $2,325 $2,302 $2,236 $2,216 $6,083 $6,941 $2,988 $3,223

Denver, CO Car Insurance Rates for Teens

How much is Denver, Colorado car insurance for teens? Compare rates from top Denver car insurance companies below to help find the cheapest teen car insurance in Denver, CO.

Annual Car Insurance Rates for Teen Drivers in Denver, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $13,195 $13,883
American Family $7,423 $9,987
Farmers $13,596 $13,739
GEICO $6,903 $7,265
Liberty Mutual $6,858 $7,474
Nationwide $7,706 $9,843
Progressive $9,905 $11,056
State Farm $7,160 $9,022
USAA $6,083 $6,941

Denver, CO Car Insurance Rates for Seniors

Before seniors buy Denver, Colorado car insurance, they should make sure to shop around. Some Denver, CO car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Denver, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,355 $3,385
American Family $2,766 $2,766
Farmers $3,091 $3,346
GEICO $2,328 $2,688
Liberty Mutual $1,837 $2,027
Nationwide $2,671 $2,818
Progressive $2,469 $2,455
State Farm $2,161 $2,161
USAA $2,236 $2,216

Denver, CO Car Insurance Rates by Credit History

How does your credit history affect Denver, CO car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Denver, Colorado

Insurance Company Poor Fair Good
Allstate $7,825 $6,016 $4,526
American Family $5,815 $4,153 $3,488
Farmers $6,959 $5,689 $5,404
GEICO $4,151 $3,449 $2,748
Liberty Mutual $4,778 $2,933 $2,325
Nationwide $5,476 $4,339 $3,773
Progressive $5,329 $4,557 $4,186
State Farm $5,389 $3,467 $2,797
USAA $5,214 $2,996 $2,408

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Denver, CO Car Insurance Rates by Driver History

How does a single speeding ticket affect your Denver, Colorado car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Denver.

Annual Denver, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $5,193 $6,000 $7,386 $5,910
American Family $3,328 $4,674 $6,166 $3,772
Farmers $5,077 $6,549 $6,456 $5,988
GEICO $2,400 $3,791 $4,488 $3,119
Liberty Mutual $2,938 $3,439 $3,549 $3,455
Nationwide $3,482 $4,761 $6,043 $3,832
Progressive $4,043 $5,738 $4,268 $4,716
State Farm $3,548 $4,221 $3,884 $3,884
USAA $2,561 $3,153 $5,557 $2,886

Denver, CO Car Insurance Rates With a DUI

Even a single DUI can increase your Denver, CO car insurance rates. Compare rates below to see which Denver car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Denver, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $7,386
American Family $6,166
Farmers $6,456
GEICO $4,488
Liberty Mutual $3,549
Nationwide $6,043
Progressive $4,268
State Farm $3,884
USAA $5,557

Denver, CO Car Insurance Rates by ZIP Code

Just like Denver car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Denver, CO car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Denver, Colorado

ZIP Code Average Annual Rates
80110 $3,902
80202 $4,154
80203 $4,220
80204 $4,313
80205 $4,231
80206 $4,201
80207 $4,194
80208 $4,027
80209 $4,022
80210 $4,061
80211 $4,124
80212 $3,995
80216 $4,183
80218 $4,180
80219 $4,405
80220 $4,302
80221 $3,882
80222 $4,112
80223 $4,392
80224 $4,178
80225 $3,912
80229 $3,853
80230 $4,338
80231 $4,142
80232 $4,013
80236 $4,124
80237 $3,994
80238 $4,060
80239 $4,233
80246 $4,332
80247 $4,292
80249 $3,956
80264 $4,058
80265 $4,091
80266 $4,076
80290 $4,099
80293 $4,063
80294 $4,068
80295 $4,095
80299 $4,063

Denver, CO Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Denver, CO car insurance rates may be. Let’s take a look at average car insurance rates from top Denver companies based on commute time.

Annual Car Insurance Rates by Commute Length in Denver, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $6,122 $6,122
American Family $4,388 $4,582
Farmers $6,018 $6,018
GEICO $3,381 $3,518
Liberty Mutual $3,345 $3,345
Nationwide $4,530 $4,530
Progressive $4,691 $4,691
State Farm $3,787 $3,982
USAA $3,439 $3,640

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Denver, CO Cheapest Car Insurance Rates

How do the top Denver, Colorado car insurance companies’ average rates stack up against the Denver average monthly car insurance rates of $371? Take a look and see.

Best Annual Car Insurance Rates by Company in Denver, Colorado

Category Insurance Company
Teenagers USAA
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Denver, CO Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Denver, Colorado car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Denver, Colorado

Insurance Company Average Annual Rates
Allstate $6,122
American Family $4,485
Farmers $6,018
GEICO $3,450
Liberty Mutual $3,345
Nationwide $4,530
Progressive $4,691
State Farm $3,884
USAA $3,539

Other Factors Affecting Denver, CO Car Insurance Rates

Before you buy Denver, Colorado car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Denver, CO Commute Time

How does your Denver, CO commute time compare with the average driver? In Denver, the average commute is 25.9 minutes.

Denver, CO Traffic

Spending time in Denver traffic can lead to higher car insurance rates. According to INRIX data, Denver, CO ranks as the 144th-most congested with traffic in the world.

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Denver, CO Car Insurance Quotes

Compare Denver, CO car insurance quotes from multiple companies by entering your ZIP code now.