Cheap Car Insurance in Denver

Written by Xuyun Zeng and 1 other
Updated Oct 2, 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:

  • $25,000 in bodily injury liability per person.
  • $50,000 in bodily injury liability per accident.
  • $15,000 in property damage liability per accident.

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

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$21 $255 Progressive 43 June 22, 2025 Denver, CO 80216
$26 $310 Geico 31 July 3, 2025 Denver, CO 80232
$26 $317 Progressive 38 June 10, 2025 Denver, CO 80220
$27 $325 Geico 27 July 30, 2025 Denver, CO 80215
$27 $327 Progressive 53 August 15, 2025 Denver, CO 80239
$28 $337 Progressive 53 August 5, 2025 Denver, CO 80203
$29 $351 Geico 48 August 16, 2025 Denver, CO 80221
$30 $357 Progressive 49 June 4, 2025 Denver, CO 80203
$31 $369 Progressive 45 August 27, 2025 Denver, CO 80226
$31 $373 Progressive 50 July 12, 2025 Denver, CO 80216
Last Updated Oct. 1, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, 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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$47 $561 Progressive 49 September 9, 2025 Denver, CO 80239
$58 $697 Progressive 45 June 25, 2025 Denver, CO 80236
$62 $749 Progressive 71 July 21, 2025 Denver, CO 80211
$66 $795 Bristol West 52 September 5, 2025 Denver, CO 80237
$68 $811 Progressive 37 June 13, 2025 Denver, CO 80205
$69 $829 Progressive 43 June 21, 2025 Denver, CO 80216
$70 $845 Progressive 44 August 17, 2025 Denver, CO 80233
$71 $847 Progressive 44 June 23, 2025 Denver, CO 80206
$79 $945 Bristol West 55 September 17, 2025 Denver, CO 80219
$81 $974 Bristol West 69 May 21, 2025 Denver, CO 80226
Last Updated Oct. 1, 2025

Estimate car insurance costs

Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

Average monthly quote:
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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$53 $633 Geico 25 No September 5, 2025 Denver, CO 80249
$56 $672 Geico 22 No June 16, 2025 Denver, CO 80229
$61 $733 Bristol West 26 No September 22, 2025 Denver, CO 80209
$65 $774 ROOT 27 No June 12, 2025 Denver, CO 80214
$71 $846 ROOT 25 No September 8, 2025 Denver, CO 80238
$69 $829 Progressive 43 June 21, 2025 Denver, CO 80216
$70 $845 Progressive 44 August 17, 2025 Denver, CO 80233
$71 $847 Progressive 44 June 23, 2025 Denver, CO 80206
$79 $945 Bristol West 55 September 17, 2025 Denver, CO 80219
$81 $974 Bristol West 69 May 21, 2025 Denver, CO 80226
Last Updated Oct. 1, 2025

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

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$21 $255 Progressive 43 No June 22, 2025 Denver, CO 80216
$26 $310 Geico 31 No July 3, 2025 Denver, CO 80232
$26 $317 Progressive 38 No June 10, 2025 Denver, CO 80220
$28 $337 Progressive 53 No August 5, 2025 Denver, CO 80203
$30 $357 Progressive 49 No June 4, 2025 Denver, CO 80203
$69 $829 Progressive 43 June 21, 2025 Denver, CO 80216
$70 $845 Progressive 44 August 17, 2025 Denver, CO 80233
$71 $847 Progressive 44 June 23, 2025 Denver, CO 80206
$79 $945 Bristol West 55 September 17, 2025 Denver, CO 80219
$81 $974 Bristol West 69 May 21, 2025 Denver, CO 80226
Last Updated Oct. 3, 2025

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

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$42 $501 Dairyland 65 No April 10, 2025 Denver, CO 80226
$62 $740 ROOT 55 No September 4, 2025 Denver, CO 80223
$62 $749 Progressive 71 Yes July 21, 2025 Denver, CO 80211
$69 $833 Progressive 69 No July 15, 2025 Denver, CO 80222
$70 $835 Progressive 64 No June 30, 2025 Denver, CO 80236
$69 $829 Progressive 43 June 21, 2025 Denver, CO 80216
$70 $845 Progressive 44 August 17, 2025 Denver, CO 80233
$71 $847 Progressive 44 June 23, 2025 Denver, CO 80206
$79 $945 Bristol West 55 September 17, 2025 Denver, CO 80219
$81 $974 Bristol West 69 May 21, 2025 Denver, CO 80226
Last Updated Oct. 1, 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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$21 $255 Progressive 43 June 22, 2025 No Denver, CO 80216
$26 $310 Geico 31 July 3, 2025 No Denver, CO 80232
$26 $317 Progressive 38 June 10, 2025 No Denver, CO 80220
$28 $337 Progressive 53 August 5, 2025 No Denver, CO 80203
$30 $357 Progressive 49 June 4, 2025 No Denver, CO 80203
$40 $479 Geico 31 July 29, 2025 No Denver, CO 80203
$42 $501 Dairyland 65 April 10, 2025 No Denver, CO 80226
$44 $533 Progressive 45 June 24, 2025 No Denver, CO 80219
$47 $560 ROOT 33 July 2, 2025 No Denver, CO 80238
$47 $563 Progressive 45 June 28, 2025 No Denver, CO 80211
Last Updated Sept. 27, 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
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $55 $665 Progressive 43 August 12, 2025 Denver, CO 80223
<550 $63 $753 Progressive 29 May 21, 2025 Denver, CO 80219
<550 $74 $883 Progressive 37 August 31, 2025 Denver, CO 80233
<550 $75 $905 Trexis 56 March 25, 2025 Denver, CO 80236
<550 $76 $909 The General 28 May 23, 2025 Denver, CO 80220
$40 $479 Geico 31 Denver, CO 80203
$42 $501 Dairyland 65 Denver, CO 80226
$44 $533 Progressive 45 Denver, CO 80219
$47 $560 ROOT 33 Denver, CO 80238
$47 $563 Progressive 45 Denver, CO 80211
Last Updated Oct. 2, 2025

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

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $32 $379 Progressive 31 No July 18, 2025 Denver, CO 80203
At Fault With No Injury $60 $719 Progressive 26 No August 7, 2025 Denver, CO 80249
At Fault With No Injury $63 $753 Progressive 29 No May 21, 2025 Denver, CO 80219
At Fault With No Injury $63 $760 ROOT 50 Yes August 4, 2025 Denver, CO 80203
At Fault With No Injury $65 $774 Mendota 40 No August 19, 2025 Denver, CO 80222
$40 $479 Geico 31 No Denver, CO 80203
$42 $501 Dairyland 65 No Denver, CO 80226
$44 $533 Progressive 45 No Denver, CO 80219
$47 $560 ROOT 33 No Denver, CO 80238
$47 $563 Progressive 45 No Denver, CO 80211
Last Updated Oct. 3, 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
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Speeding under 15 $52 $619 Progressive 29 August 23, 2025 Denver, CO 80219
Speeding under 15 $75 $895 Bristol West 43 August 12, 2025 Denver, CO 80223
Speeding under 15 $91 $1,095 Progressive 34 September 25, 2025 Denver, CO 80212
Speeding over 15 $92 $1,103 Bristol West 27 September 5, 2025 Denver, CO 80207
Speeding under 15 $96 $1,149 Mendota 47 July 28, 2025 Denver, CO 80247
$40 $479 Geico 31 July 29, 2025 Denver, CO 80203
$42 $501 Dairyland 65 April 10, 2025 Denver, CO 80226
$44 $533 Progressive 45 June 24, 2025 Denver, CO 80219
$47 $560 ROOT 33 July 2, 2025 Denver, CO 80238
$47 $563 Progressive 45 June 28, 2025 Denver, CO 80211
Last Updated Sept. 29, 2025

Cheapest car insurance for drivers with DUIs in Denver

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
DUI $112 $1,342 National General 43 May 29, 2025 Denver, CO 80231
DUI $122 $1,459 Bristol West 31 August 6, 2025 Denver, CO 80246
DUI $151 $1,806 National General 25 July 30, 2025 Denver, CO 80239
DUI $225 $2,699 Mendota 34 August 19, 2025 Denver, CO 80207
DUI $232 $2,780 National General 39 August 7, 2025 Denver, CO 80226
$40 $479 Geico 31 July 29, 2025 Denver, CO 80203
$42 $501 Dairyland 65 April 10, 2025 Denver, CO 80226
$44 $533 Progressive 45 June 24, 2025 Denver, CO 80219
$47 $560 ROOT 33 July 2, 2025 Denver, CO 80238
$47 $563 Progressive 45 June 28, 2025 Denver, CO 80211
Last Updated Sept. 29, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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 do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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