Updated December 23, 2025

4 Best Tips For Buying Cheap Car Insurance in Denver, CO

Colorado cheapest insurance

4 Best Tips For Buying Cheap Car Insurance in Denver, CO

Jerry has helped drivers in the Front Range find affordable coverage 2019. In Denver, here are some key numbers from the past six months:

  • Jerry has helped 2,277 drivers to compare 12 insurance providers.

  • Majority of quotes range from $128 to $379 per month.

  • On average, Jerry users who switched to a lower quote saved $46 to $183 per month.

If you want an easier way to compare car insurance options, Jerry can help find quotes in just minutes.

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How Jerry finds car insurance savings for Denver drivers

If you’ve noticed your car insurance premium going up, you’re not the only one. Jerry helps Colorado drivers find more affordable coverage by comparing up to 12 insurers in just minutes. Here’s a look at real quotes Jerry customers in the Mile High City found when they shopped around.

Recent quotes

Last Updated Dec. 23, 2025

Based on Jerry customers with clean driving records who found savings in the past 12 months. Savings depend on coverage and other factors. Potential savings will vary.


Learn more: Best car insurance in Colorado


If you’re looking to get the best deal on your car insurance, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Compare quotes to find the cheapest insurer

Drivers in Denver can often save money just by checking quotes from different insurance companies. Each insurer rates your driving history in its own way, so one company might offer a lower price than another for the exact same coverage. 

Shopping around is one of the simplest ways to find the cheapest insurance for your needs. Here you can see how recent Jerry customers have received different quotes for the same coverage:

Recent customer quotes

Last Updated Dec. 23, 2025

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Why it matters: Shopping around for car insurance can save money but is time-consuming. Jerry reduces the hassle and helps you compare quotes in minutes.

Jerry Agent Tip 2: Stack discounts to cut your premium

Drivers in Denver can save by taking advantage of discounts for safe driving, bundling home and auto coverage or getting a quote early. These savings can add up quickly and make your policy more affordable without cutting back on coverage. 

The Jerry app automatically finds and applies the discounts you qualify for, so you don’t leave savings behind.

Key takeaway: You may not have activated all of your available discounts. Use Jerry’s app to find out which discounts you qualify for.

Jerry Agent Tip 3: Review coverage to maximize savings and protection

Choosing the right mix of coverage helps drivers in Denver stay protected without overspending. State minimums keep premiums low, while options like full coverage, standard and preferred tiers add stronger protections like rental reimbursement, towing and lower deductibles.

When you find the best balance between cost and protection, driving feels a lot more secure. Here are the coverage options available to drivers in Denver:

Minimum

$78$139/mo

Meets Colorado’s liability requirements but doesn’t protect your own car.

Full

$179$354/mo

Adds collision and comprehensive, often required if you lease or finance.

Standard

$279$503/mo

Includes UM/UIM and medical payments, valuable in a state with rising injury claim costs.

Preferred

$284$511/mo

Top protection with higher limits, lower deductibles and extras like towing or rental reimbursement.

Based on drivers with no accidents or violations who saved with Jerry over the past 6 months. Quotes and coverage not available for all customers.

Jerry recommends: Weigh your protection needs against your budget, then use the Jerry app to get real-time quotes based on the coverage levels you choose.

  • Coverage definitions
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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

  • Check your car’s value (Jerry tracks this for you monthly).

  • Choose what you can afford out-of-pocket.

  • See how deductibles change your rate in real time.

The Jerry difference: Jerry shows you real-time savings across multiple deductible levels, so you can confidently choose the balance between cost and coverage that fits you best.

Drive with confidence

Driving brings risks, from weather incidents, accidents and unexpected repairs, and the right coverage and smart discounts can keep costs under control. When you compare quotes and stack the discounts available to you, you can cut your premium without cutting coverage. Jerry helps Denver drivers do exactly that by finding lower prices and the protection that fits their needs.

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Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 48 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes

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Our experts
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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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 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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