Cheapest Car Insurance in Denver, CO (2025)

American National offers Denver's most affordable car insurance, averaging $91 a month for full coverage and $34 for minimum coverage.

Find out if you're overpaying for car insurance in Denver below.

Written by Mark Fitzpatrick

Updated: May 18, 2026

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Quick Take: Denver's Best Cheap Car Insurance Companies

American National offers the cheapest car insurance in Denver at $406 a year for minimum coverage and $1,096 a year for full coverage. GEICO, Farm Bureau and California Casualty provide competitive rates for specific driver profiles.

American National leads our Denver rankings. It earned the highest affordability score and the second-best coverage rating. GEICO ranks second for affordability. GEICO's coverage options also score well.

Cheapest Denver Car Insurance by Coverage Type

Denver drivers pay some of Colorado's highest car insurance rates. Minimum coverage averages $816 a year; full coverage averages $2,088.

Cheapest minimum coverage: American National charges $406 a year ($34 a month) for minimum coverage, 50% below the city average of $816. That's $410 less a year. GEICO comes in second at $477 a year ($40 a month), 41% below the city average.
Cheapest full coverage: American National's full coverage costs $1,096 a year ($91 a month), 47% below the city average of $2,088. That's $992 less a year. GEICO's full coverage costs $1,414 a year ($118 a month), 32% below the city average. That's $318 more a year than American National.


American National	$34	$91	51%
Geico	$40	$118	38%
Farm Bureau	$49	$151	21%
California Casualty	$56	$169	11%
State Farm	$61	$185	3%

Cheapest Denver Car Insurance by Age

Car insurance costs in Denver vary by age, and younger drivers pay the highest rates.

Adults: American National and GEICO charge the least for minimum and full coverage.
Seniors: American National and GEICO offer the lowest rates for drivers 65 and older.
Young drivers: American National and Farm Bureau have the lowest rates for teens and young adults.

GEICO's good student discount saves young drivers up to 15% with a B average or better.

Data filtered by:


American National	$34	$406	-53%
Geico	$40	$477	-45%
Farm Bureau	$49	$591	-31%
California Casualty	$56	$677	-21%
State Farm	$61	$726	-16%

Cheapest Denver Car Insurance With Violations

The insurer with the lowest rate penalty for your violation type will give you the cheapest coverage in Denver.

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

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

Data filtered by:


American National	$45	$544
Farm Bureau	$57	$681
Geico	$64	$767
State Farm	$72	$861
California Casualty	$96	$1,147

Denver Car Insurance Costs by ZIP Code

Full coverage in Denver's 80123 ZIP code runs $156 a month. Drivers in 80223 pay the most at $211 a month.

Data filtered by:


80123	$61	$156

Best Car Insurance Companies in Denver

Both American National and GEICO score 85 out of 100 on MoneyGeek's rating scale. American National ranks first for affordability and coverage. To assess customer experience, we reviewed agent network ratings, NAIC complaint data, J.D. Power studies and multi-platform customer reviews.

American National has the lowest rates among the top Denver providers and a broad coverage selection, including standard and specialty options. GEICO ranks second for affordability.


American National	85.89	1	10	5
Geico	85	2	6	5
Auto Owners	83.76	6	1	4
Farm Bureau	81.98	3	3	6
Progressive	80.9	7	2	2

American National: Best Overall in Denver

pros

Lowest premiums among major Denver insurers
Claims processed within 48 hours
25% cashback after three claim-free years

cons

Lowest customer service ratings among Denver providers
Limited discount options for safe drivers

COMPANY HIGHLIGHTS

Why it wins in Denver: American National processes claims within 48 hours, which helps during Denver's frequent hailstorms and winter weather events. It covers glass damage and collision risks common at Denver's altitude. Its 24/7 digital tools let policyholders submit claims quickly, without calling an agent. Safe drivers can earn 25% cashback over three claim-free years.

American National: Cheapest Overall

pros

Competitive rates among major Denver insurers
Accident forgiveness protects rates after first mishap
Drivewise app rewards safe driving with discounts

cons

Slower claim response times reported
No new car replacement coverage offered
Limited comprehensive coverage options

COMPANY HIGHLIGHTS

Why it wins in Denver: American National beats competitors on price across every driver profile. At $406 a year for minimum coverage and $1,096 for full coverage, American National saves Denver drivers hundreds compared with GEICO's $477 minimum coverage and $1,414 full coverage rates.

How to Find the Lowest Rates and Best Insurer in Denver

Denver drivers pay some of the highest car insurance rates in Colorado. Compare quotes, pick the right coverage level and choose a company with a strong claims record.

1
Research Denver insurance providers
- Coverage for Denver risks: American National covers water backup and increased living expenses, which are useful add-ons for Denver homeowners. GEICO offers collision, medical payments and uninsured motorist coverage. All three are worth having in Denver's high-traffic areas. The right level for you depends on your car's value and what you can cover out of pocket. Our guide to how much car insurance to carry breaks it down by situation.
- Claims process: American National offers 24/7 digital claims reporting through its mobile app with direct deposit payments and dedicated claims specialists. GEICO provides round-the-clock claim filing via phone or app, plus its Auto Repair Xpress service with guaranteed workmanship for vehicle repairs.
2
Maximize your savings
- Bundle policies together: Combine auto with home or renters insurance to cut rates by 15% to 25%. Add multi-vehicle discounts worth 10% to 25% per additional car. A good driver discount combined with paperless billing and autopay can push total savings to 30% to 40%.
- Adjust your deductible: Raising your deductible from $500 to $1,000 cuts annual premiums by 10% to 15%. Make sure you can cover that amount if you need to file a claim.
- Compare rates yearly: Insurers update Denver rates each year based on local claim trends and risk data. After three years, a cleaner record can qualify you for better rates.

Cheap Denver Car Insurance: FAQ

Our insurance experts answer common questions about finding affordable car insurance in Denver:

Is car insurance in Denver expensive?

Car insurance in Denver costs more than in most other Colorado cities due to higher crime rates, increased traffic density and frequent hailstorms.

How much is car insurance in Denver?

In Denver, drivers pay $33 to $60 a month for minimum liability coverage. Full coverage ranges from $91 to $185 a month.

What are the biggest insurers in Denver?

Denver's top car insurance companies include American National, GEICO, Farm Bureau, California Casualty and State Farm.

How We Analyzed the Best and Cheapest Car Insurance in Denver, Colorado

Denver drivers pay some of Colorado's highest car insurance rates. We built this analysis to show which insurers offer the best value for your driver profile.

We analyzed hundreds of thousands of quotes from major insurers. Rate data comes 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. The results show which insurers offer the best rates for your profile, not just citywide averages.

Our rating system weighs three factors:

Affordability (60%): Premiums are the biggest factor in whether you can keep coverage long-term. We compared minimum coverage (Colorado's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles).

Customer experience (30%): Google reviews and J.D. Power ratings show how insurers handle claims and resolve problems. These scores reflect real claims situations, including hail damage filings and hit-and-run accidents common in Denver.

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.

About Mark Fitzpatrick

Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he produces original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.

He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.

Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.

Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). His career began in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.

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