Cheap Car Insurance in Denver

Written by Xuyun Zeng and 1 other
Updated Jul 23, 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 $309 Progressive 55 March 24, 2025 Denver, CO 80233
$26 $310 Geico 31 July 3, 2025 Denver, CO 80232
$26 $317 Progressive 38 June 10, 2025 Denver, CO 80220
$30 $357 Progressive 49 June 4, 2025 Denver, CO 80203
$31 $373 Progressive 50 July 12, 2025 Denver, CO 80216
$38 $453 Progressive 50 April 23, 2025 Denver, CO 80204
$39 $465 Progressive 39 June 16, 2025 Denver, CO 80247
$41 $494 Bristol West 29 April 27, 2025 Denver, CO 80210
$42 $501 Dairyland 65 April 10, 2025 Denver, CO 80226
Last Updated Jul 24, 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
$52 $623 Progressive 75 February 21, 2025 Denver, CO 80226
$55 $662 Geico 65 February 14, 2025 Denver, CO 80234
$58 $697 Progressive 45 June 25, 2025 Denver, CO 80236
$62 $749 Progressive 71 July 21, 2025 Denver, CO 80211
$68 $811 Progressive 37 June 13, 2025 Denver, CO 80205
$69 $829 Progressive 43 June 21, 2025 Denver, CO 80216
$71 $847 Progressive 44 June 23, 2025 Denver, CO 80206
$81 $974 Bristol West 69 May 21, 2025 Denver, CO 80226
$81 $977 Progressive 67 March 15, 2025 Denver, CO 80224
$84 $1,006 ROOT 43 June 21, 2025 Denver, CO 80219
Last Updated Jul 24, 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
$56 $672 Geico 22 No June 16, 2025 Denver, CO 80229
$65 $774 ROOT 27 No June 12, 2025 Denver, CO 80214
$72 $858 ROOT 29 No May 21, 2025 Denver, CO 80203
$73 $875 Mendota 28 No July 17, 2025 Denver, CO 80229
$74 $885 Safeco 28 No May 14, 2025 Denver, CO 80211
Last Updated Jul 24, 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
$30 $357 Progressive 49 No June 4, 2025 Denver, CO 80203
$44 $533 Progressive 45 No June 24, 2025 Denver, CO 80219
Last Updated Jul 24, 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
$26 $309 Progressive 55 No March 24, 2025 Denver, CO 80233
$42 $501 Dairyland 65 No April 10, 2025 Denver, CO 80226
$48 $579 Progressive 60 No February 27, 2025 Denver, CO 80229
$55 $662 Geico 65 Yes February 14, 2025 Denver, CO 80234
$62 $749 Progressive 71 Yes July 21, 2025 Denver, CO 80211
Last Updated Jul 24, 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 $309 Progressive 55 March 24, 2025 No Denver, CO 80233
$26 $310 Geico 31 July 3, 2025 No Denver, CO 80232
$26 $317 Progressive 38 June 10, 2025 No Denver, CO 80220
$30 $357 Progressive 49 June 4, 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
$48 $572 ROOT 43 June 23, 2025 No Denver, CO 80206
Last Updated Jul 24, 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 $63 $753 Progressive 29 May 21, 2025 Denver, CO 80219
<550 $75 $905 Trexis 56 March 25, 2025 Denver, CO 80236
<550 $76 $909 The General 28 May 23, 2025 Denver, CO 80220
<550 $77 $919 The General 34 October 2, 2024 Denver, CO 80223
<550 $77 $929 Dairyland 55 February 26, 2024 Denver, CO 80203
Last Updated Jul 24, 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 $63 $753 Progressive 29 No May 21, 2025 Denver, CO 80219
At Fault With No Injury $66 $787 The General 35 No September 8, 2024 Denver, CO 80209
At Fault With No Injury $67 $801 Progressive 25 No July 15, 2025 Denver, CO 80209
At Fault With No Injury $71 $852 National General 26 No July 11, 2025 Denver, CO 80249
Last Updated Jul 24, 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 Policy
City, State
ZIP Code
Speeding under 15 $61 $733 The General 34 August 26, 2024 Denver, CO 80211
Speeding under 15 $63 $753 Progressive 29 May 21, 2025 Denver, CO 80219
Speeding under 15 $67 $809 Progressive 32 May 31, 2025 Denver, CO 80239
Speeding under 15 $68 $811 Progressive 29 December 12, 2024 Denver, CO 80205
Speeding under 15 $101 $1,208 Mendota 33 June 12, 2025 Denver, CO 80249
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with DUIs in Denver

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
DUI $193 $2,321 Bristol West 43 November 3, 2024 Denver, CO 80231
DUI $215 $2,583 Bristol West 34 June 5, 2025 Denver, CO 80207
DUI $339 $4,063 Progressive 39 June 26, 2025 Denver, CO 80226
Last Updated Jul 24, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET 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.

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.