Cheapest Car Insurance in Denver, CO (2025)

Denver drivers experience some of Colorado's highest car insurance costs, averaging $816 per year for minimum coverage and $2,088 per year for full coverage. Comparison shopping gives you confidence that you're getting the lowest rates.

• Cheapest minimum liability coverage: American National delivers Denver's most affordable minimum coverage at $406 per year ($34 monthly). That's 50% lower than the city average of $816, saving you $410 annually. GEICO ranks second for minimum coverage at $477 per year ($40 monthly), a 41% savings compared to the city average.
• Cheapest full coverage: American National provides the most budget-friendly full coverage at $1,096 per year ($91 monthly), 47% below the city average of $2,088. That's $992 in annual savings. GEICO's full coverage costs $1,414 per year ($118 monthly), still 32% below the city average but $318 more than American National per year.

Car insurance costs vary dramatically by age in Denver, with younger drivers facing the highest premiums. Here are the most affordable options by age group:

• Adults: American National and GEICO offer the lowest monthly rates
• Seniors: American National and GEICO provide the best value
• Young drivers: American National and Farm Bureau deliver the most competitive pricing

Young drivers can reduce costs through GEICO's good student discount, saving up to 15% with a B average or better.

You can find cheaper coverage in Denver with the insurers that have the lowest rate penalty for your violation. Here are your cheapest car insurance options in Denver by violation type:

• Accident: American National at $45 and Farm Bureau at $56 monthly
• Ticket: American National at $39 and GEICO at $52 monthly
• DUI: American National at $50 and Farm Bureau at $63 monthly

Minor violations remain on your record for seven years in Colorado before rates decrease.

Denver neighborhoods show differences in car insurance pricing. The most affordable full coverage rates are found in ZIP code 80123 at $156 monthly, while drivers in 80223 pay the highest at $211 monthly.

Both American National and GEICO score 85 out of 100 on MoneyGeek's rating scale. American National ranks first for affordability and coverage, while we evaluated factors like agent network ratings, complaint data from the National Association of Insurance Commissioners (NAIC), J.D. Power studies and multi-platform customer reviews to assess how well insurers handle claims and support policyholders.

American National excels in affordability, leading with the lowest rates among top providers and earning high marks for the number of standard and specialty coverages available, plus unique add-ons. GEICO also demonstrates strong affordability rankings as the second-best option.

See below for why each insurer is best and which fits your needs.

Mile High City residents experience high auto insurance costs across Colorado. Shop around, secure affordable rates and select protection that fits your budget:

Our insurance experts answers common questions about finding affordable car insurance in the Mile High City:

Denver drivers pay some of Colorado's highest car insurance rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the Colorado Division of Insurance and Quadrant Information Services.

Our research covered all Denver ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. This approach reveals which insurers offer competitive rates for drivers like you, not just average citywide prices. 

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Colorado's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hail damage claims or handling hit-and-run accidents in high-traffic areas.

Coverage options (10%): More choices mean better odds of matching coverage to Denver risks like weather damage, uninsured motorists and theft in high-risk areas.