Best Car Insurance Companies in Denver, CO

The best car insurance provider depends on your driver profile and needs. In Denver, American National P&C is the best insurer overall and for cheap policies, young adults, seniors and drivers with offenses. Acuity is our top-rated provider for customer service. Meanwhile, Auto-Owners Insurance Co is our pick for teens, while Allstate is best for new car owners.

To help you lower your rates, MoneyGeek also analyzed the cheapest car insurance providers in Denver.

The following companies are the best auto insurance providers in Denver:

• American National P&C: MoneyGeek score of 83 out of 100 ($606 per year)
• GEICO: MoneyGeek score of 69 out of 100 ($787 per year)

Thanks to its low rates and excellent service, American National P&C stands out as the best provider in the city. It offers these two important benefits without sacrificing one for the other. American National P&C is also the best auto insurance company in Colorado, indicating the company’s performance is consistent across the city and state.

For military-affiliated drivers, USAA is also a highly rated insurer in Denver, earning a MoneyGeek score of 78 out of 100.

After assessing 13 insurance providers in Denver, American National P&C emerges as the leader due to its low annual premium of $606 and exceptional customer service. It's the city’s best overall choice for car insurance. However, American National P&C only offers three coverage options, less than its competitors. American Family, in particular, offers more add-ons.

It's worth noting that the premium rates mentioned above are for a full coverage policy. For a company to qualify for a MoneyGeek score, we must find enough data to meet all our individual scoring components.

For drivers who value customer service (regardless of price), the best auto insurance companies in Denver are:

• Acuity: MoneyGeek score of 78 out of 100 ($1,331 per year)
• American National P&C: MoneyGeek score of 67 out of 100 ($606 per year)

Acuity stands out among its competitors for its exceptional customer service and comprehensive coverage options. However, it’s one of the city’s costlier options, meaning customers pay a premium for top-notch service.

Dealing with a company that effectively manages claims and addresses policyholders' concerns promptly is generally less stressful. Acuity is our top choice in this category due to its exceptional customer service, coverage options and efficient claims management. You can trust that your experience with this provider will be positive.

Based on an analysis of affordability and service quality for car policies that meet Colorado's minimum coverage requirements, the top providers in Denver are:

• American National P&C: MoneyGeek score of 83 out of 100 ($250 per year)
• GEICO: MoneyGeek score of 70 out of 100 ($357 per year)

A minimum coverage policy may not provide sufficient protection despite being the cheapest option. A liability-only policy won't cover damages to your car and has a low limit, potentially leaving you to pay for repairs out of pocket in case of an accident.

The minimum car insurance requirements in Denver are mandatory throughout the state.

When selecting a minimum coverage policy, it’s a good idea to find a provider that offers both affordability and service quality. Many companies provide low rates at the expense of good service.

Fortunately, American National P&C provides the best of both worlds with low rates and top-notch service. Despite being the cheapest auto insurer in Denver, American National P&C also has one of the highest customer service scores in the city.

The following companies offer the best car insurance for young adults in Denver:

• American National P&C: MoneyGeek score of 83 out of 100 ($756 per year)
• GEICO: MoneyGeek score of 72 out of 100 ($896 per year)

American National P&C is notable for offering low rates and excellent customer satisfaction. It’s a great choice for young adults in Denver, who often face higher insurance premiums than older drivers. With American National P&C, young drivers can get affordable coverage without sacrificing quality service.

A good car insurance provider for young adults offers affordable rates, relevant coverages and discounts and excellent customer service. These factors are crucial because young adults often deal with higher rates and may be prone to accidents due to their inexperience.

American National P&C is our top pick for young adults in Denver, thanks to its low rates and high customer satisfaction ratings.

If you’re adding a teen to your family auto policy in Denver, the following companies provide the best car insurance options for teens:

• Auto-Owners Insurance Co: MoneyGeek score of 81 out of 100 ($3,669)
• State Farm: MoneyGeek score of 76 out of 100 ($3,349 per year)

Auto-Owners Insurance Co is our top pick because it offers affordable rates and several add-on coverages. These are particularly helpful for young drivers, who generally pay higher premiums and have a greater risk of accidents.

One way to save on car insurance for your teen is to add them to a family plan instead of getting a separate policy, saving you an average of $3,923 per year in Denver.

If you’re a parent looking for car insurance for your teen driver, we recommend finding providers that offer affordable rates, excellent customer service and specific discounts and coverages for teenagers. These factors are crucial since younger drivers are typically expensive to insure and tend to have more accidents.

In Denver, Auto-Owners Insurance Co is the best choice for insuring teen drivers, outperforming competitors across various factors.

The following companies are the best auto insurance providers for seniors in Denver:

• American National P&C: MoneyGeek score of 83 out of 100 ($607 per year)
• GEICO: MoneyGeek score of 69 out of 100 ($806 per year)

American National P&C is our top pick for Denver senior drivers due to its excellent affordability and customer satisfaction ratings.

Although car insurance rates for drivers in their 60s are similar to those in their 30s through 50s, rates may start to increase for those in their 70s. However, you can find affordable car insurance for seniors in Denver by exploring different providers.

Seniors should consider car insurance policies that provide personal injury protection (PIP) or medical payments coverage. These coverages can help you in case of an accident, which is especially important as older adults are more vulnerable to serious injuries. Additionally, you can take advantage of senior-specific discounts that can help you save on your premiums.

Based on our analysis, American National P&C is the best provider in the city for older drivers.

The best car insurance providers for drivers with violations in Denver are:

• American National P&C: MoneyGeek score of 83 out of 100 ($918 per year)
• American Family: MoneyGeek score of 73 out of 100 ($1,424 per year)

American National P&C is the best choice for car insurance after a driving violation, thanks to its affordability and quality service.

The seriousness of your violation will impact your insurance rates. DUI offenses, for instance, are much costlier than speeding tickets. For example, Denver drivers with clean records pay an average of $1,142 per year for car insurance. The average rate jumps to $1,500 per year after a speeding ticket and $1,906 per year after a DUI.

Drivers with poor driving records should seek out providers that offer affordable rates and discounts, especially since insurance costs are typically higher for those with a history of accidents or violations.

American National P&C is our pick in this category due to its cheap premiums and exceptional customer service.

The following are the best insurance companies for new car owners in Denver:

• Allstate: MoneyGeek score of 69 out of 100 ($1,586 per year)
• Kemper: MoneyGeek score of 50 out of 100 ($1,537 per year)

We evaluated providers based on their quality of service and pricing for drivers with a 2022 model car. We only included companies offering new or better car replacement coverage, which pays for a brand-new car of the same make and model if your vehicle is totaled in a covered accident.

Based on our analysis, Allstate is the top option for new car owners, offering low premiums and extensive add-on coverages.

When shopping for car insurance for a new car, choosing a provider offering new or better car replacement coverage is important. This coverage can help you save money if your vehicle is damaged in an accident.

Allstate is the best choice in Denver because it is affordable and provides useful coverage options. Kemper may have slightly cheaper rates, but Allstate is the better choice overall.

The top car insurance company for you in Denver will vary depending on your driver profile and individual needs. Our answers to commonly asked questions can help you make a wise decision.