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.
If you have a loan or lease on your vehicle, the lender will require
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $47 | $562 | 49 | 09/09/25 | 80239 | ||
| $64 | $765 | 65 | 08/11/25 | 80233 | ||
| $65 | $777 | 26 | 10/22/25 | 80234 | ||
| $70 | $843 | 48 | 08/16/25 | 80221 | ||
| $71 | $849 | 42 | 08/11/25 | 80205 | ||
| $81 | $976 | 48 | 05/14/25 | 80234 | ||
| $81 | $977 | 49 | 10/15/25 | 80221 | ||
| $83 | $996 | 27 | 06/12/25 | 80214 | ||
| $83 | $998 | 28 | 06/12/25 | 80246 | ||
| $84 | $1,006 | 43 | 06/21/25 | 80219 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $23 | $279 | 23 | No | 06/27/25 | 80219 | ||
| $31 | $373 | 26 | No | 07/28/25 | 80215 | ||
| $48 | $573 | 26 | No | 09/22/25 | 80209 | ||
| $50 | $605 | 24 | No | 07/16/25 | 80205 | ||
| $53 | $634 | 29 | No | 07/14/25 | 80231 | ||
| $81 | $976 | 48 | 05/14/25 | 80234 | |||
| $81 | $977 | 49 | 10/15/25 | 80221 | |||
| $83 | $996 | 27 | 06/12/25 | 80214 | |||
| $83 | $998 | 28 | 06/12/25 | 80246 | |||
| $84 | $1,006 | 43 | 06/21/25 | 80219 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $24 | $293 | 44 | No | 06/23/25 | 80222 | ||
| $26 | $311 | 42 | No | 06/20/25 | 80209 | ||
| $32 | $385 | 49 | No | 10/12/25 | 80218 | ||
| $36 | $431 | 37 | No | 10/08/25 | 80216 | ||
| $38 | $453 | 48 | No | 06/06/25 | 80226 | ||
| $81 | $976 | 48 | 05/14/25 | 80234 | |||
| $81 | $977 | 49 | 10/15/25 | 80221 | |||
| $83 | $996 | 27 | 06/12/25 | 80214 | |||
| $83 | $998 | 28 | 06/12/25 | 80246 | |||
| $84 | $1,006 | 43 | 06/21/25 | 80219 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $32 | $379 | 70 | No | 08/13/25 | 80219 | ||
| $49 | $583 | 55 | No | 09/04/25 | 80223 | ||
| $50 | $599 | 56 | No | 08/03/25 | 80215 | ||
| $51 | $612 | 66 | No | 08/18/25 | 80215 | ||
| $58 | $699 | 65 | No | 10/07/25 | 80214 | ||
| $81 | $976 | 48 | 05/14/25 | 80234 | |||
| $81 | $977 | 49 | 10/15/25 | 80221 | |||
| $83 | $996 | 27 | 06/12/25 | 80214 | |||
| $83 | $998 | 28 | 06/12/25 | 80246 | |||
| $84 | $1,006 | 43 | 06/21/25 | 80219 |
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
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $29 | $351 | 48 | 08/16/25 | No | 80221 | ||
| $31 | $373 | 50 | 07/12/25 | No | 80216 | ||
| $32 | $388 | 42 | 06/21/25 | No | 80209 | ||
| $33 | $397 | 40 | 08/19/25 | No | 80249 | ||
| $37 | $443 | 41 | 08/13/25 | Yes | 80212 | ||
| $37 | $447 | 33 | 10/28/25 | No | 80237 | ||
| $38 | $452 | 49 | 06/04/25 | No | 80203 | ||
| $38 | $461 | 44 | 08/17/25 | No | 80233 | ||
| $39 | $467 | 32 | 09/15/25 | No | 80223 | ||
| $39 | $473 | 31 | 08/03/25 | No | 80231 |
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
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $53 | $639 | 50 | 10/13/24 | 80222 | ||
| <550 | $54 | $647 | 59 | 09/09/25 | 80221 | ||
| <550 | $63 | $753 | 29 | 05/30/25 | 80219 | ||
| <550 | $72 | $869 | 26 | 04/24/25 | 80239 | ||
| <550 | $75 | $905 | 64 | 06/30/25 | 80236 | ||
| $37 | $447 | 33 | 80237 | ||||
| $38 | $452 | 49 | 80203 | ||||
| $38 | $461 | 44 | 80233 | ||||
| $39 | $467 | 32 | 80223 | ||||
| $39 | $473 | 31 | 80231 |
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 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 | $48 | $571 | 33 | No | 07/25/25 | 80238 | ||
| At Fault With No Injury | $50 | $595 | 55 | No | 03/14/25 | 80228 | ||
| At Fault With No Injury | $66 | $787 | 34 | No | 09/08/24 | 80209 | ||
| At Fault With No Injury | $68 | $815 | 49 | No | 10/19/25 | 80219 | ||
| At Fault With No Injury | $68 | $816 | 28 | No | 10/27/25 | 80249 | ||
| $37 | $447 | 33 | No | 80237 | ||||
| $38 | $452 | 49 | No | 80203 | ||||
| $38 | $461 | 44 | No | 80233 | ||||
| $39 | $467 | 32 | No | 80223 | ||||
| $39 | $473 | 31 | No | 80231 |
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
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $64 | $768 | 34 | 10/01/25 | 80216 | ||
| Speeding under 15 | $73 | $871 | 35 | 10/13/25 | 80238 | ||
| Speeding under 15 | $78 | $932 | 32 | 09/26/25 | 80204 | ||
| Speeding under 15 | $89 | $1,062 | 37 | 09/25/25 | 80222 | ||
| Speeding over 15 | $89 | $1,066 | 60 | 10/09/25 | 80204 | ||
| $37 | $447 | 33 | 10/28/25 | 80237 | |||
| $38 | $452 | 49 | 06/04/25 | 80203 | |||
| $38 | $461 | 44 | 08/17/25 | 80233 | |||
| $39 | $467 | 32 | 09/15/25 | 80223 | |||
| $39 | $473 | 31 | 08/03/25 | 80231 |
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
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| DUI | $34 | $403 | 43 | 06/16/25 | 80231 | ||
| DUI | $103 | $1,234 | 59 | 09/09/25 | 80221 | ||
| DUI | $127 | $1,527 | 25 | 10/02/25 | 80231 | ||
| DUI | $183 | $2,194 | 44 | 09/27/25 | 80211 | ||
| DUI | $188 | $2,256 | 34 | 08/19/25 | 80207 | ||
| $37 | $447 | 33 | 10/28/25 | 80237 | |||
| $38 | $452 | 49 | 06/04/25 | 80203 | |||
| $38 | $461 | 44 | 08/17/25 | 80233 | |||
| $39 | $467 | 32 | 09/15/25 | 80223 | |||
| $39 | $473 | 31 | 08/03/25 | 80231 |
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.
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.
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.
