Cheap Car Insurance in Denver

Written by Xuyun Zeng and 1 other
Updated Jan 7, 2025
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Cheap Car Insurance in Denver

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Denver’s winters bring snow, black ice and occasional blizzards, making the area a challenging drive in the winter. The Valley Highway is prone to heavy congestion and Interstate 70 can get especially crowded during ski season. Having proper car insurance coverage in Denver is important to protect your finances and your vehicle. 

To help you as you shop, we’ve gathered data from Jerry customers in Denver that show how your age, driving history and coverage needs could affect your rate.

Cheapest minimum coverage insurance in Denver

Colorado requires drivers to have these minimum coverages:

  • Bodily injury liability of $25,000 per person and $50,000 per accident.
  • Property damage liability of $15,000 per accident.

These are the cheapest insurance rates for minimum coverage in Denver, based on quotes from Jerry customers.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
$35 $417 Progressive 36 September 12, 2024 Denver, CO 80238
$37 $449 Progressive 30 January 29, 2024 Denver, CO 80205
$38 $461 Progressive 36 September 1, 2023 Denver, CO 80238
$39 $467 Progressive 35 March 6, 2024 Denver, CO 80235
$40 $483 Progressive 56 August 25, 2024 Denver, CO 80237
$41 $489 Progressive 64 February 7, 2025 Denver, CO 80227
$41 $489 Progressive 64 February 5, 2025 Denver, CO 80227
$41 $489 Progressive 64 February 5, 2025 Denver, CO 80227
$41 $489 Progressive 64 February 5, 2025 Denver, CO 80227
$41 $495 Safeco 30 October 31, 2023 Denver, CO 80209
Last Updated Feb 12, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.

Cheapest full coverage insurance in Denver

The minimum coverage may not be enough if you need to repair your vehicle after an accident, collision with an animal or if a storm leaves it damaged. Full coverage, which includes collision and comprehensive insurances, can help in those instances.

These are the cheapest quotes that real Jerry customers received for full coverage in Denver.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
$40 $483 Progressive 56 August 25, 2024 Denver, CO 80237
$44 $533 Progressive 57 January 10, 2024 Denver, CO 80247
$46 $553 Progressive 63 June 13, 2024 Denver, CO 80227
$51 $607 Progressive 63 December 19, 2024 Denver, CO 80233
$51 $609 Progressive 64 February 5, 2025 Denver, CO 80227
$51 $609 Progressive 64 February 5, 2025 Denver, CO 80227
$51 $609 Progressive 64 February 7, 2025 Denver, CO 80227
$56 $675 Progressive 52 January 29, 2025 Denver, CO 80212
$59 $706 Progressive 63 December 27, 2024 Denver, CO 80229
$64 $767 Bristol West 38 December 7, 2024 Denver, CO 80214
Last Updated Feb 12, 2025

Cheapest car insurance for young drivers in Denver (18-29 years old)

Young drivers may be viewed as inexperienced by insurers, which often means they pay higher premiums than older drivers. Here are the cheapest quotes that Jerry customers between 18 and 29 years old have received.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
$42 $509 Progressive 29 No January 13, 2025 Denver, CO 80210
$44 $529 Bristol West 29 No January 13, 2025 Denver, CO 80210
$52 $619 Progressive 28 No December 12, 2024 Denver, CO 80210
$52 $625 Progressive 27 No October 25, 2024 Denver, CO 80204
$54 $651 Progressive 27 No October 18, 2024 Denver, CO 80204
Last Updated Feb 12, 2025

Cheapest car insurance for mature drivers in Denver (30-54 years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
$35 $417 Progressive 36 No September 12, 2024 Denver, CO 80238
$37 $449 Progressive 30 No January 29, 2024 Denver, CO 80205
$38 $461 Progressive 36 No September 1, 2023 Denver, CO 80238
$39 $467 Progressive 35 No March 6, 2024 Denver, CO 80235
$41 $495 Safeco 30 No October 31, 2023 Denver, CO 80209
Last Updated Feb 12, 2025

Cheapest car insurance for older drivers (55+ years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
$40 $483 Progressive 56 Yes August 25, 2024 Denver, CO 80237
$41 $489 Progressive 64 No February 5, 2025 Denver, CO 80227
$41 $489 Progressive 64 No February 5, 2025 Denver, CO 80227
$41 $489 Progressive 64 No February 5, 2025 Denver, CO 80227
$41 $489 Progressive 64 No February 7, 2025 Denver, CO 80227
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with clean records in Denver

A clean driving record helps ensure you’re getting the most affordable premium possible. Here are the cheapest quotes that Denver drivers with clean driving records have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
Zip Code
$40 $483 Progressive 56 August 25, 2024 Yes Denver, CO 80237
$41 $495 Safeco 30 October 31, 2023 No Denver, CO 80209
$42 $509 Progressive 29 January 13, 2025 No Denver, CO 80210
$44 $529 Bristol West 29 January 13, 2025 No Denver, CO 80210
$44 $533 Progressive 57 January 10, 2024 Yes Denver, CO 80247
$50 $597 Progressive 36 July 10, 2024 No Denver, CO 80247
$51 $607 Progressive 63 December 19, 2024 Yes Denver, CO 80233
$53 $639 The General 50 October 13, 2024 No Denver, CO 80222
$54 $645 Progressive 52 January 3, 2025 No Denver, CO 80223
$54 $651 Progressive 40 January 31, 2025 No Denver, CO 80237
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with low credit scores in Denver

Insurers often charge higher rates to drivers with low credit scores. This means you may have to do some extra comparison shopping to find low-cost coverage. These are the cheapest quotes that Jerry customers in Denver with scores below 550 have received.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
<550 $53 $639 The General 50 October 13, 2024 Denver, CO 80222
<550 $61 $735 The General 46 June 27, 2024 Denver, CO 80223
<550 $67 $807 Dairyland 62 January 19, 2025 Denver, CO 80224
<550 $69 $831 The General 50 October 1, 2023 Denver, CO 80222
<550 $70 $846 Dairyland 61 September 27, 2024 Denver, CO 80224
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with at-fault accidents in Denver

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
At Fault With No Injury $43 $521 Progressive 33 No January 26, 2025 Denver, CO 80205
At Fault With No Injury $51 $615 Bristol West 48 No December 17, 2023 Denver, CO 80223
At Fault With No Injury $52 $625 Progressive 27 No October 25, 2024 Denver, CO 80204
At Fault With No Injury $54 $651 Progressive 27 No October 18, 2024 Denver, CO 80204
At Fault With No Injury $56 $671 The General 50 No January 25, 2024 Denver, CO 80205
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with speeding tickets in Denver

A speeding ticket is likely to drive up your premium costs, but the size of the increase may depend on how fast you were going when you were cited. Here are the cheapest quotes that Denver drivers with speeding tickets received via Jerry.

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
Speeding under 15 $61 $733 The General 33 August 26, 2024 Denver, CO 80211
Speeding under 15 $61 $735 The General 46 June 27, 2024 Denver, CO 80223
Speeding under 15 $62 $741 The General 34 September 3, 2024 Denver, CO 80209
Speeding under 15 $64 $767 Safeco 30 September 17, 2023 Denver, CO 80211
Speeding under 15 $66 $787 The General 34 September 8, 2024 Denver, CO 80209
Last Updated Feb 12, 2025

Cheapest car insurance for drivers with DUIs in Denver

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
DUI $86 $1,029 Bristol West 43 December 5, 2023 Denver, CO 80229
DUI $89 $1,067 The General 43 December 5, 2023 Denver, CO 80229
DUI $106 $1,273 Progressive 33 December 1, 2023 Denver, CO 80204
DUI $111 $1,327 Bristol West 26 December 22, 2023 Denver, CO 80204
DUI $137 $1,641 Bristol West 34 January 16, 2025 Denver, CO 80207
Last Updated Feb 12, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.