Best Denver, CO Auto Insurance in 2024 (Check Out the Top 10 Companies)

Find the best Denver, CO auto insurance with State Farm, American Family, and Progressive, starting at $48 per month.

These top companies offer affordable coverage with personalized options to match Denver customers’ unique needs. State Farm leads in customer happiness, American Family provides outstanding local support, and Progressive offers valuable discounts.

Our Top 10 Company Picks: Best Denver, CO Auto Insurance

These three companies offer the best rates and comprehensive plans in Denver. For more information, review our thorough guide, “Types of Auto Insurance Coverage.”

Can’t wait to get started? Enter your ZIP code in our free online quote comparison tool above to find the best auto insurance quotes in Denver, CO.

#1 – State Farm: Top Overall Pick

Pros

• Reliable Monthly Rates: State Farm offers the best Denver, CO auto insurance starting rates at $52 per month for minimum coverage.
• Accident-Free Discounts: Denver drivers can receive discounts for accident-free records.
• Comprehensive Claims Service: State Farm is noted for its Denver, CO, auto insurance claims service satisfaction. (Learn more: State Farm Auto Insurance Review).

Cons

• Limited Multi-Policy Discount: State Farm multi-policy discounts offered by some Denver, CO competitors aren’t as high.
• Premiums May Be High for Add-Ons: State Farm provides the best Denver, CO, auto insurance premiums, reaching up to $175 monthly, raising overall costs.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#2 – American Family: Best for Bundling Discounts

Pros

• Affordable Full Coverage: American Family minimum coverage starts at $54 per month, making it one of the best Denver, CO, auto insurance options for families.
• Family-Oriented Discounts: Offers discounts geared towards family and teen drivers for Denver, CO auto insurance. See more of our guide, “American Family Auto Insurance Review.”
• Multi-Policy Savings: Bundle your home and auto policies to receive considerable reductions, ensuring the Denver, CO, auto insurance savings.

Cons

• Limited Availability: American Family insurance alternatives may be limited outside of Denver, impacting the Denver, CO auto insurance options.
• Lower Online Service Options: Lacks some online tools and app functionality, which may not be provided.

#3 – Progressive: Best for Competitive Rates

Pros

• Affordable Rates: Progressive’s minimum coverage starts at $50 per month, making It a great option for the best Denver, CO auto insurance. Refer to our guide, “Progressive Auto Insurance Review.“
• Snapshot Program: Usage-based program rewards safe driving, potentially lowering rates for the Denver, CO drivers.
  Broad Coverage Options: Progressive provides a broad coverage option for high-risk drivers seeking the Denver, CO.

Cons

• Mixed Claims Experience: Some consumers report problems with claim management, harming their whole Denver, CO, vehicle insurance experience.
• Potential for Rate Increases: Without a safe driving record, premiums may increase upon policy renewal, which could impact Denver, CO auto insurance costs.

#4 – Geico: Best for Online Tools

Pros

• Competitive Pricing: Geico’s minimum coverage starts at $48 per month, making it one of the best auto insurance providers in Denver, CO.
• User-Friendly Digital Tools: Highly rated mobile app and online tools for managing the Denver, CO auto insurance policies. More information is in our guide, “Geico Auto Insurance Review.“
• Safe Driver Discounts: Safe drivers can earn generous discounts that add to the Denver, CO savings.

Cons

• Customer Service Limitations: Customer service feedback has been divided, affecting the experience in Denver, Colorado.
• Limited Local Agents: Denver has fewer in-person agents, which may not suit those seeking the service.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#5 – Allstate: Best for Comprehensive Coverage

Pros

• Customer Support: Allstate provides strong customer service with tailored support for the best Denver, CO auto insurance. (Learn more: Allstate Auto Insurance Review).
• Customizable Policies: Offers options to customize coverage levels for the Denver, CO auto insurance needs.
• Accident Forgiveness: Allstate includes accident forgiveness in many policies, ensuring that Denver, CO, remains affordable.

Cons

• Higher Premiums: Allstate minimum coverage starts at $55 per month, which may not be ideal for the Denver, CO, seekers.
• Discount Limitations: Allstate to competitors, fewer discounts are available for bundling, which impacts the Denver, CO experience.

#6 – Liberty Mutual: Best for Eco-Friendly Vehicles

Pros

• Strong Coverage Options: Liberty Mutual auto insurance review offers extensive coverage add-ons for comprehensive protection and is one of the best Denver, CO auto insurance.
• Discount Variety: Multiple discounts are available for bundling, safe driving, and eco-friendly vehicles, contributing to the Denver, CO auto insurance rates.
• Experienced Claims Service: Liberty Mutual is known for efficiently handling claims and providing support to enhance the best experience with Denver, CO, car insurance.

Cons

• Higher Costs: Minimum coverage starts at $56 per month, which may be too pricey for individuals seeking the rates in Denver, CO.
• Premium Increases: Rates may increase after the first policy period, particularly without continuous discounts for Denver, CO.

#7 – Farmers: Best for Customizable Policies

Pros

• Customizable Options: Farmers offers a tailor-made coverage option to meet individual requirements when getting the best car insurance in Denver, CO.
• Accessible Claims Support: Farmers provides claim support service so the process runs smoothly through premier Denver, CO, car insurance.
• Comprehensive Policy Choices: Provides solid options for minimum and full coverage, ideal for the Denver, CO, auto insurance. Learn more facts on “Farmers Auto Insurance Review.“

Cons

• Higher Premiums: Minimum coverage begins at $53 per month, which isn’t so hot for those who need to get the best Denver, CO, auto insurance rates.
• Discount Limits: Very limited discounts on safe drivers for a Denver, CO, car insurance company compared with some other companies, like Geico.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

#8 – Nationwide: Best for Flexible Coverage

Pros

• Multi-Policy Discounts: Nationwide offers significant savings for bundling auto with home or renters insurance, ensuring the best Denver, CO auto insurance value.
• Accident Forgiveness Options: Accident forgiveness options help maintain the Denver, CO auto insurance premiums. See our guide, “Nationwide Auto Insurance Review.“
• User-Friendly Digital Access: Nationwide well-regarded mobile app and online platform enhances the Denver, CO auto insurance management experience.

Cons

• Higher Minimum Coverage Cost: Nationwide minimum coverage for Denver, CO, auto insurance starts at $51 per month.
  
• Fewer Local Agents: The limited availability of in-person support within Denver may impact those seeking assistance.

#9 – The Hartford: Best for AARP Members

Pros

• Focused on Seniors: Policies tailored for drivers over 50 are ideal for mature drivers seeking the best Denver, CO auto insurance.
  
• Bundling Discounts: Significant savings for bundling auto and home policies contribute to the Denver, CO auto insurance rates. (Learn more: The Hartford Company Auto Insurance Review).
• Accident Forgiveness: Accident forgiveness implies that your rates will not increase following an accident, providing the Denver, CO auto insurance experience.

Cons

• Higher Minimum Premium: The lowest coverage rates start at $57 per month, which may be too much for people looking for the cheapest Denver, CO, auto insurance.
• Age-Specific Policy: The Hartford offered to mature drivers. As a result, it is not an ideal bargain for young policyholders looking for rates in Denver, CO.

#10 – AAA: Best for Claims Support

Pros

• Low Rates: AAA’s minimum coverage premium begins at $49 monthly, making it one of the best Denver, CO auto insurance.
• Roadside Assistance: AAA provides roadside assistance to supplement their top Denver, CO auto insurance coverage.
• Personalized Regional Coverage: AAA provides individualized coverage for drivers in Denver, Colorado. For further details, see our “AAA Auto Insurance Review.”

Cons

• Limited Nationwide Availability: It is not accessible in all states, which may limit some customers’ Denver, CO, auto insurance alternatives.
• Limited App Functionality: Compared to larger providers, fewer digital tools are available, which affects the Denver, CO, auto insurance experience.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Denver, CO Auto Insurance Rates by Provider & Coverage

Auto insurance rates in Denver vary by provider and coverage. Geico offers the lowest rates, with $48 monthly for minimum and $160 per month for full coverage. AAA and Progressive follow closely, offering minimum coverage at $49 per month and $50 per month, and full coverage at $168 and $165 per month, respectively.

Denver, CO Auto Insurance Monthly Rates by Provider & Coverage Level

In contrast, Liberty Mutual and The Hartford are higher, at $56 and $57 per month for minimum coverage and $190 and $182 for full. Other providers, including Allstate, American Family, and Farmers, offer mid-range rates, with minimum coverage around $54 to $55 per month and full coverage ranging from $178 to $185 per month.

Auto Insurance Discounts From the Top Providers in Best Denver, CO

State Farm and Nationwide also offer competitive options, with minimum coverage at $51 to $52 per month and full coverage around $170 per month. Denver drivers can choose from these varied options based on budget and coverage level. To gain more knowledge, consult our in-depth guide called “Auto Insurance Coverage Options.”

How Much is the Average Cost of Denver, Colorado Auto Insurance

When looking for auto insurance, you may want to know how much it will cost. If you live in Denver, we won’t keep you waiting.

Denver, CO Average Monthly Auto Insurance Rate vs. Colorado and National Average

Denver, CO’s average monthly vehicle insurance rate is $370/month, which is much higher than the state and national averages. Continue reading to find out how to get lower pricing in Denver, Colorado. Find more in our guide titled, “Average Auto Insurance Cost.”

Denver, Colorado Auto Insurance Coverage Requirements

Auto insurance is required in 49 states, including Colorado, each with its minimum coverage requirements. Colorado drivers must carry the 25/50/15 liability insurance, which applies if the driver is at fault. This insurance does not cover damages to the at-fault driver’s vehicle or medical expenses.

Colorado Minimum Auto Insurance Requirements

Drivers financing a newer vehicle may also be required to obtain additional coverage. Monthly vehicle insurance costs in Denver vary per provider, and we examined rates for drivers of the median age of 35 years old and younger and older drivers.

Most Denver drivers spend roughly $370 per month on auto insurance, but choosing the lowest coverage might save money. Shopping around is essential because each company calculates pricing differently. View more in our guide titled “Minimum Car Insurance Requirements.”

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Cheapest Denver, Colorado Auto Insurance Companies

Farmers, The Hartford, and State Farm currently offer Denver’s lowest auto insurance rates. Average monthly rates for these companies are Farmers $43 per month, The Hartford $47 per month, and State Farm $51 per month. Amica and Allied have slightly higher rates at $51 per month and $56 per month, respectively.

Denver, CO Average Monthly Auto Insurance Rates by Company

Our auto insurance rates depend on factors like your driving record, ZIP code, and the number of vehicles and drivers on your policy. Providers also consider miles driven annually and credit scores when determining your premium. Discover our guide to Find the cheapest auto insurance for more details.

Since rates vary widely between companies, comparing quotes online is essential. When choosing the best option, review both the cost and the quality of customer service and claims handling.

Major Auto Insurance Factors in Denver, Colorado

There are several methods for estimating your auto insurance quote. But not everything is beyond your control. There are things you may take to control the discounts you are entitled to. The following are some factors that significantly impact your Denver, CO, vehicle insurance premiums. To explore more, review our in-depth guide named “Claim-Free Discount: How Much Can You Save?”

Cheapest Auto Insurance Rates by ZIP Code in Denver, CO

Where you park impacts your insurance rates. Higher crime and densely populated areas increase risks of accidents and theft, leading to higher premiums.

Denver, CO Monthly Auto Insurance Rates by ZIP Code

Denver’s cheapest auto insurance is often in neighborhoods with low population density. Fewer cars on the road reduce accident likelihood, resulting in lower insurance costs. With a population of 649,495 and a median income of $51,089, insurance rates vary widely across ZIP codes.

For example, if you live in ZIP code 80229, you save $552 annually compared to those in 80219, one of the city’s most expensive areas. The table above compares Denver’s rates to those of other Colorado cities. With the right discounts and rate comparisons, affordable coverage is within reach.

Automotive Accidents in Denver, Colorado and Your Auto Insurance Rates

The lower your ZIP code or city’s fatal accident rate, the lower your vehicle insurance premiums.
The table below contains detailed statistics regarding the Denver deadly accident.

Denver, CO Fatal Accident Statistics

As the table above demonstrates, Denver has a somewhat high accident rate. Unfortunately, this may negatively impact your monthly premiums.

These statistics explain why Denver residents pay more for auto insurance than residents of other Colorado communities, which have fewer fatal accidents yearly.

Auto Thefts in Denver, Colorado and Your Auto Insurance Rates

Auto theft is a big concern, particularly in highly populated areas. Finding low-cost insurance can be tough if your location and vehicle model put you at risk. For example, despite dropping theft rates, 5,275 vehicles were stolen in Denver in 2018.

Denver, CO Report Card: Auto Insurance Premiums

Your credit score also influences your auto insurance rates. In Denver, higher scores result in reduced monthly costs. The table above illustrates how much more residents with poor credit pay than those with good credit. Experian found a link between poor credit ratings and increased claim rates.

Paying off debt and avoiding new credit will help you to improve your credit score and qualify for lower insurance rates in Denver.

Your Vehicle Make and Model and Your Denver, Colorado Auto Insurance Rates

Insurance rates depend on the type of car you drive. Luxury vehicles usually have higher costs because they require more comprehensive coverage to protect the higher investment. In contrast, basic vehicles may only need liability insurance, keeping premiums lower.

Denver, CO Average Monthly Auto Insurance Rates by Make/Model Year

Cars equipped with safety and anti-theft features can qualify for lower insurance rates. Newer models often have these features, reducing the risks of accidents and theft, which insurers consider when setting rates.

Your agent will factor in these added protections when you request a quote. Qualifying safety features can lead to discounts on your Denver auto insurance, helping lower your premium. See the table above to compare monthly rates for a basic car versus a luxury vehicle.

Minor Auto Insurance Factors in Denver, Colorado

We’ve reviewed the primary elements that influence vehicle insurance premiums. Now, let’s look into minor demographics. Although marital status and education level have little influence on rates, there are ways to save that are worth considering. To get further information, see our extensive guide called “Combining Car Insurance After Marriage”

Your Marital Status and Your Denver, Colorado Auto Insurance Rates

Being unmarried and a single driver in Denver, Colorado, does not significantly reduce your personal vehicle insurance costs. Once married, you will have a few simple strategies to save money.

Denver, Colorado Average Monthly Auto Insurance Rates by City

To significantly reduce your monthly cost, you should first attempt to combine your insurance with your spouse’s. Because of this, one or both of you will have to change insurance providers.

Being able to purchase a property is another benefit for married couples. If you and your spouse own a home, you can save even more money by combining your auto and homeowner’s insurance policies.

Your Gender and Your Denver, Colorado Auto Insurance Rates

The belief that one gender is safer behind the wheel and should pay lower premiums is fading. Many insurance companies no longer differentiate premiums solely based on gender.

For those still considering gender, the premium difference is usually minimal, ranging between one and two percent. Studies show that the cost of auto insurance in Denver, CO, differs just marginally between men and women.

If you’re worried about paying more because of your gender, comparison shopping can help you find a supplier that doesn’t charge different rates for male and female drivers.

Your Commute Length and Your Denver, Colorado Auto Insurance Rates

Longer-than-average commutes can lead to higher auto insurance rates. For Denver motorists, the average commute ranges from 18 to 24 minutes. Around 70 percent of drivers drive alone, while 3 to 12 percent carpool—only 3 percent of commuters in the area bike to work.

Screenshot this post! If you are in a hurricane-impacted area, or have friends or loved ones who are, save this as a reference. State Farm customers can use any of the options below to start the claim process or follow up on a claim. https://t.co/RUi06doKId pic.twitter.com/HRpYn2GG8B

— State Farm (@StateFarm) October 9, 2024

Reducing your driving can save on expenses, especially gas, though the impact on insurance rates may be modest. If you only use your vehicle for commuting, the savings on premiums may be limited. However, using your car for business can raise your rates by 10%.

In cities like Denver, you can reduce your mileage and qualify for a low mileage discount if you live close to your business. This refund may make biking a viable option for decreasing driving expenditures.

Your Coverage and Deductibles and Your Denver, Colorado Auto Insurance Rates

If you want greater coverage but have a limited budget, try increasing your deductible. Both accident and comprehensive policies allow for deductible modifications, which can lower monthly premiums.

Denver, CO Auto Accident & Insurance Claim Statistics

Yes, you will have to pay more to file a claim, but consider how much you can save over time with a reduced monthly cost. It is a really useful method for some budget-conscious drivers.

Your Education Level and Your Denver, Colorado Auto Insurance Rates

Did you know that the more educated you are, the more you can save on full coverage auto insurance in Denver? Higher education degrees can result in larger premium discounts, even more than characteristics like your occupation or annual pay.

Denver, CO Average Monthly Basic vs. Comprehensive Auto Insurance Rates

Denver has over 15 two- and four-year universities, so many of the city’s drivers hold higher education degrees. Most Denver motorists have a bachelor’s degree, while others are either finishing high school or have graduated.

The Daniels School of Business is a remarkable institution, ranking among the top ten business schools in the US according to the Wall Street Journal. Colorado Free University provides open enrollment alternatives for a variety of learning experiences to people interested in non-traditional education.

Best Auto Insurance for Credit History Rates in Denver, Colorado

Your credit score influences various factors, including how much you pay for auto insurance. If you live in Denver, the higher your credit score, the lower your monthly insurance rate.

Look at the graph below to see how much more auto insurance a Denver person with poor credit pays each month than someone with good credit.

Denver, CO Average Monthly Auto Insurance Rates by Credit Score

It’s not just the bottom line on your credit report. There’s a logic for why poor credit car drivers pay more. Experian says your credit score is a reflection of your propensity ever to make an insurance claim. As much as possible, pay off debt accumulated immediately; don’t open any new credit accounts.

Does age Affect my Auto Insurance Rates in Denver, Colorado

Are you looking to insure a teen driver in Denver? It’s important to be aware that it will most likely be a difficult and costly undertaking. Teenage drivers pay more for car insurance than any other age group, so being prepared for these high costs is key.

In the table below, let us look at the average monthly rates by age.

Denver, CO Average Monthly Auto Insurance Rates by Age

So you can see, a 17-year-old Denver driver makes far more money than a 34-year-old Denver driver. This is due to the rising incidents involving young and inexperienced juvenile drivers. Fortunately, you have various alternatives for cutting your premiums. Staying on your parents’ policy and compensating them for the difference in prices could save you a lot of money.

Best Auto Insurance for Driving Record Rates in Denver, Colorado

Be aware that your driving record will significantly impact your vehicle insurance prices. If you live in Denver, the Comprehensive Loss Underwriting Exchange (C.L.U.E.) records your driving record. This organization tracks your insurance history, accidents, and convictions. The data is saved in a database for five to eight years.

The table below explains how various driving offenses affect your rates as a Denver driver.

Denver, CO Average Monthly Auto Insurance Rates by Driving Record

As you can see, cautious driving helps avoid serious accidents and saves money on vehicle insurance. Most will not apply to serious citations like a D.U.I. or reckless driving offense. Such violations are not only costly, but they may also result in the loss of coverage. Your only option is to acquire high-risk insurance, which will cost far more than typical.

Enter your ZIP code below to compare auto insurance rates.

 Secured with SHA-256 Encryption

Case Studies: Insights into Auto Insurance Choices

These case studies highlight key benefits and highlight customer experiences with different Denver, CO, auto insurance providers.

• Case Study #1 – A Choice for Comprehensive Coverage: In Denver due to its broad coverage. Bundle offers resulted in a lower premium cost after picking them for insurance purposes. After a small accident, they were happy with the company’s customer service and smooth claims procedure. They are happy with their selection.
• Case Study #2 – Competitive Rates That Deliver: A Denver driver chose American Family because of its affordable rates, which begin at $54 for minimum coverage. They found online policy management comfortable and reported a simple claims process following a minor occurrence. They value the total affordability and help.
• Case Study #3 – Innovative Discounts for Safe Driving: A Denver resident chose Progressive for its one-of-a-kind driving and it reduced mileage offerings, which it start at $50 per month with coverage. They praised the app’s ease of use, the speedy claims procedure, the lack of trouble, and the excellent customer service given.

These case studies show how different vehicle insurance providers in Denver, CO may address a variety of demands while increasing overall consumer satisfaction. Check out our guide titled, “How does an auto insurance company determine my premium?”

If you want to cut your auto insurance costs, put your ZIP code into our free quote comparison tool below and compare your rates to those of the top insurers.