+120 more*These quotes are from Compare.com users in and around Denver, Colorado within the last 10 days. Updated on October 8, 2026
*These quotes are from Compare.com users in and around Denver, Colorado within the last 10 days. Updated on October 8, 2026
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Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
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3+ years editing insurance content
10+ years in content creation
Lequita's extensive editorial experience spans insurance, personal finance, higher education, and more.
){kind=small}
Licensed property and casualty insurance agent
10+ years editing insurance content
NPN: 20461358
A licensed agent for more than four years, John reviews and fact-checks articles for Compare.com.
Updated
State Farm offers the cheapest liability car insurance in Denver, averaging $72 per month.
Car insurance in Denver costs nearly $20 more per month than the Colorado average.
Denver drivers pay about 30% more for full-coverage car insurance after a single speeding ticket, according to Compare.com data.
The Denver metro area accounted for almost 70% of Colorado’s reported vehicle thefts in 2025, driving up comprehensive coverage costs.[1]
Denver car insurance averages $112 per month for liability-only coverage and $223 per month for full coverage, according to Compare.com data. That’s higher than the Colorado average of $94 and $202, respectively. Denver’s average rates are also higher than those in nearby Castle Rock, where drivers pay $99 and $193 per month for liability only and full coverage, respectively.
As the Centennial State’s most populated city, it has risk factors that contribute to car insurance rates, including vehicle theft and collisions.[2] Denver drivers also face hailstorms, high winds, and tornadoes, which can increase the risk of insurance claims.[3]
Rates in Denver start at $72 per month.
State Farm has the cheapest car insurance in Denver for state-minimum coverage, at $72 per month. That’s much less than the citywide average of $112 per month, according to Compare.com data.
Denver drivers must have liability insurance that meets or exceeds Colorado car insurance requirements:[4]
Bodily injury liability: $25,000 per person, $50,000 per accident
Property damage liability: $15,000 per accident
The following table shows the auto insurance companies with the lowest liability coverage in Denver, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $72 |
| Sun Coast | $78 |
| The General | $83 |
| Progressive | $86 |
| Root | $91 |
| USAA | $92 |
| Mile Auto | $95 |
| American Family | $98 |
| GEICO | $100 |
| Bristol West | $108 |
| Auto-Owners | $127 |
| Trexis | $131 |
| Mendota | $132 |
| Safeco | $136 |
| Dairyland | $143 |
| National General | $143 |
| Direct Auto | $149 |
| Allstate | $150 |
| Insurify Car | $160 |
| Travelers | $179 |
| Farmers | $187 |
| Liberty Mutual | $216 |
Drivers in Denver can find the cheapest full coverage with State Farm, at $153 per month — well below the citywide average. Progressive is another affordable option, at $166 per month.
Full coverage can be worth the extra cost in Denver. The city recorded more suspected serious-injury crashes than any other Colorado county from 2024 through August 2026.[5] The Denver metro area accounted for about 70% of Colorado’s reported vehicle thefts in 2025.
Collision coverage can help pay for vehicle damage after a crash, while comprehensive coverage can cover non-collision damage, including theft and vandalism. Check out the table below to see where to get cheap full-coverage car insurance in Denver, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $153 |
| Progressive | $166 |
| Root | $186 |
| USAA | $198 |
| American Family | $211 |
| GEICO | $220 |
| Mile Auto | $225 |
| Safeco | $228 |
| Bristol West | $230 |
| The General | $237 |
| Sun Coast | $254 |
| Auto-Owners | $272 |
| Allstate | $283 |
| National General | $300 |
| Dairyland | $310 |
| Direct Auto | $310 |
| Mendota | $311 |
| Trexis | $324 |
| Liberty Mutual | $351 |
| Travelers | $385 |
| Farmers | $402 |
We chose the following companies as some of the best options in Denver, Colorado, based on proprietary data, Compare.com Ratings, and actual user reviews we compiled. Whether you’re looking for personalized coverage, discounts, or affordable rates, these insurers stand out among the rest.
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $72/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $153/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.5 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.2 | 3.1 |
| Value | 4.2 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm stands out in Denver for its combination of low rates and multiple ways to save, especially for young drivers. Driver training, good student, Steer Clear, and student away at school are just a few of the discounts available to young drivers.
Colorado seniors age 55 and older can also save by taking a state-approved driver education course. One drawback is that State Farm doesn’t offer gap insurance, which may matter to the 33% of Denver drivers who finance or lease their vehicles, according to Compare.com data.
Low average rates in Denver
High J.D. Power customer satisfaction in Southwest
Gap insurance not available
Accident forgiveness not available in Colorado
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $127/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $272/mo |
Auto-Owners Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.5 | 2.9 |
Auto-Owners works with local independent agents to help Denver drivers get personalized coverage that meets their needs and budget. You can customize your policy with optional add-ons like gap coverage, accident forgiveness, and purchase price guarantee, which can help protect your new vehicle from depreciation after a total loss.
20 local agents in Denver
Collision deductible waiver available
Below-average J.D. Power satisfaction in Southwest
Higher-than-average premiums in Denver
| User Reviews | 4.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $211/mo |
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.5 | 2.9 |
| Policy transparency | 4.7 | 3.1 |
| Value | 4.2 | 2.9 |
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
American Family already has below-average rates in Denver. Still, drivers can save even more with the insurer’s wide range of discounts, including low-mileage, early quote, loyalty, auto-pay, and paperless discounts.
Its DriveMyWay usage-based insurance program offers additional savings for safe drivers. If you drive fewer miles than the Denver average of 8,852 miles per year, you may qualify for up to 25% in savings with its pay-per-mile insurance program, MilesMyWay.
Defensive driver discount for senior Colorado drivers
Rates below the Denver average
Below-average J.D. Power customer satisfaction in Southwest
DriveMyWay can increase your premium
Our editorial team, composed of seasoned editors, insurance experts, and licensed agents, analyzed more than 50 of the state’s top insurers to select the best companies for various Denver drivers. We researched, analyzed, and weighed several categories important to Denver insurance shoppers, including average rates, local customer satisfaction ratings, coverage options, discount offerings, policy features, and more.
Our goal is to provide actionable advice and detailed, personalized analysis that helps Denver drivers find the best auto insurance policy for their unique needs.
*These quotes are from Compare.com users in and around Denver, Colorado within the last 10 days. Updated on October 8, 2026
*These quotes are from Compare.com users in and around Denver, Colorado within the last 10 days. Updated on October 8, 2026
Denver drivers generally pay more for car insurance than the Colorado average across driving records. Drivers with a clean record pay an average of $168 per month for car insurance, but that increases to an average of $217 per month after a ticket.
State Farm is the cheapest insurer after a speeding ticket. Here’s how average rates change based on your driving record.
Driving Record | Average Monthly Premium |
|---|---|
| Clean driving record | $168 |
| Speeding ticket | $217 |
| At-fault accident | $225 |
| DUI | $234 |
The cheapest liability options vary depending on your driving record and your insurance company. The following insurers offer the most affordable liability car insurance in Denver for different driver profiles.
Cheapest car insurance for drivers in Denver with a clean driving record: State Farm
Cheapest car insurance for drivers in Denver with a speeding ticket: State Farm
Cheapest car insurance for drivers in Denver with an at-fault accident: State Farm
Cheapest car insurance for drivers in Denver with a DUI: State Farm
Nearly 5% of Denver drivers have a speeding ticket, and 5% have been in an at-fault accident, according to Compare.com data. Colorado is an at-fault state, meaning drivers who cause accidents are financially responsible for the injuries and damage they cause.
About 1% of Denver drivers have a driving under the influence (DUI) conviction. Colorado has increased DUI enforcement and sobriety checkpoints as part of statewide efforts to reduce crashes.[6]
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In 2025, Denver recorded 94 traffic deaths, representing the highest since 2013.[7] Speeding, impairment, and distracted driving were the primary causes of fatal crashes across Colorado, according to the Colorado Department of Transportation.
Nearly half of Denver’s traffic, serious injuries, and deaths occur on just 5% of the city’s streets, which make up the High Injury Network.
Downtown Denver, South Federal Boulevard, East Colfax Avenue, and South Broadway/Lincoln Street corridor are among the city’s focus areas. Downtown alone accounts for 20% of fatal or serious-injury crashes despite making up 2% of Denver’s land area.
Colorado insurers include uninsured/underinsured motorist coverage (UM/UIM) in auto policies unless you reject it in writing. The Colorado Division of Insurance estimates that 15%–20% of the state’s drivers are uninsured. Crashes involving uninsured drivers can increase costs for insurers and victims.
Denver’s heavy traffic creates more opportunities for crashes, particularly along major corridors such as Interstate 25, I-70, and the Peña Boulevard corridor. The Mile High City ranks as the 14th-most congested city in the U.S., with drivers losing about 51 hours to congestion each year, according to INRIX.
The city uses traffic safety cameras as part of Vision Zero, with locations such as West 6th Avenue and Lincoln Street seeing reductions in crashes after installation.
Denver’s high elevation means the weather can change quickly. Severe thunderstorms and hail can occur during spring and summer, while blizzard conditions can occur during fall, winter, and spring. Congestion and changing road conditions increase driving and crash risk.
Car insurance in Denver costs around 12% more than the Colorado average. Factors that can contribute to the city’s higher rates include traffic congestion and crash risk, severe weather, and vehicle theft.
Check out the table below to see how Denver’s average rates compare to Colorado, according to Compare.com data.
Location | Average Monthly Premium |
|---|---|
| Denver, Colorado | $168 |
| All Colorado drivers | $148 |
Compare quotes and get the coverage you need at the best price.
Denver’s $168 per-month average is higher than in nearby Arvada, Broomfield, and Boulder. But its rates are lower than in Aurora, where drivers pay an average of $183.
Denver is also the most densely populated of these cities, with about 4,700 residents per square mile, according to the U.S. Census Bureau data. Greater density can mean more traffic and accident exposure, which may help explain why the city has higher-than-average premiums.
The table below shows how Denver car insurance rates compare to other Colorado cities, according to Compare.com data.
City | Average Monthly Premium: Liability-Only | Average Monthly Premium: Full-Coverage |
|---|---|---|
| Grand Junction | $71 | $142 |
| Fort Collins | $83 | $172 |
| Loveland | $85 | $163 |
| Boulder | $88 | $183 |
| Greeley | $89 | $181 |
| Pueblo | $92 | $212 |
| Longmont | $95 | $193 |
| Broomfield | $99 | $216 |
| Castle Rock | $99 | $193 |
| Arvada | $102 | $189 |
| Colorado Springs | $105 | $218 |
| Parker | $105 | $212 |
| Commerce City | $110 | $217 |
| Denver | $112 | $223 |
| Englewood | $112 | $230 |
| Westminster | $114 | $201 |
| Aurora | $125 | $240 |
We answered common questions people ask about finding affordable car insurance in Denver.
State Farm offers some of the cheapest car insurance in Denver, according to Compare.com data. But your personal rate will depend on factors like your age, driving history, vehicle, coverage limits, and ZIP code.
Yes. $300 per month is a lot for car insurance for the average driver with a clean record. But it’s on par with the $308 overall average for teen drivers in Denver and well below the $409 per-month average for full coverage.
Denver’s urban density, congestion, crash risk, theft exposure, and severe weather can all increase the amount insurers expect to pay for claims. Rising auto repair costs are also driving premiums higher, according to the American Property Casualty Insurance Association.
Yes. Progressive offers some of the lowest car insurance rates in Denver, particularly for full coverage. Drivers pay an average of $91 per month for liability insurance and $167 per month full coverage, according to Compare.com data.
For context, the average monthly costs for liability and full coverage are $112 for and $223, respectively.
Yes. Denver drivers with clean records may qualify for safe driving, low-mileage, and multi-policy discounts for bundling car insurance with home or renters insurance. Insurers such as State Farm and American Family also offer discounts for qualifying accident-free drivers.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
Mandy Sleight has over 15 years of insurance knowledge and expertise in auto, home, life, health, pet, supplemental benefits, and other insurance products. She’s a sought-after insurance expert, appearing in Bankrate.com, Moneygeek.com, U.S. News & World Report, Reviews.com, CNET, and other publications, and she's been writing for Compare.com since 2023.
Mandy uses her background and experience working for well-known insurance companies like State Farm and Nationwide Insurance to create engaging and easy-to-understand content that helps readers make smarter insurance choices that have a positive effect on their budgets and finances.
3+ years editing insurance content
10+ years in content creation
Lequita's extensive editorial experience spans insurance, personal finance, higher education, and more.
Licensed property and casualty insurance agent
10+ years editing insurance content
NPN: 20461358
A licensed agent for more than four years, John reviews and fact-checks articles for Compare.com.
At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
