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Last updated: October 29, 2025Best Cheap Car Insurance in Denver
American National, USAA, State Farm, Nationwide, and AAA (CSAA) are our top picks in Denver.
Cheapest
Editor's Rating:4/5
Average Cost in Denver
- Full Coverage: $159 monthly
- Minimum Coverage: $28 monthly
Best for Military and Veterans
Editor's Rating:5/5
Average Cost in Denver
- Full Coverage: $173 monthly
- Minimum Coverage: $41 monthly
Best Value
Editor's Rating:4.9/5
Average Cost in Denver
- Full Coverage: $235 monthly
- Minimum Coverage: $65 monthly
Key Takeaways
- Auto insurance in Denver is more expensive than the Colorado average — it costs $3,296 annually on average for full coverage and $830 annually on average for minimum coverage.
- American National has the cheapest overall rates, with USAA at a close second. State Farm also offers a good value for price.
- The rates below are averages — they can help you compare options, but they won’t reflect how much you’ll pay. Your exact rate depends on a number of factors like your driving history, age, vehicle, zip code, and more.
Our Top Picks for the Best Cheap Auto Insurance in Denver
- Cheapest: American National
- Best for Military and Veterans: USAA
- Best Value: State Farm
- Best for Low Mileage Drivers: Nationwide
- Highest Customer Satisfaction: CSAA (AAA)
Compare the Best Cheap Auto Insurance In Denver
| Company | Full Coverage Annual Average | Minimum Coverage Annual Average | Southwest Customer Satisfaction |
|---|---|---|---|
| American National | $1,909 | $338 | Not rated |
| USAA | $2,078 | $497 | Above average |
| State Farm | $2,814 | $785 | Above average |
| Nationwide | $3,325 | $1,193 | Above average |
| AAA (CSAA) | Data unavailable | Data unavailable | Above average |
| Denver | $3,296 | $830 | – |
Detailed List of the Best Cheap Providers in Denver
1. Cheapest - American National
What We Like Most:
- Cheapest Denver rates for full and minimum coverage
- Local Denver agents
- Classic car coverage
Why we chose it
American National has the cheapest average rates for drivers with clean records in Denver, for both full and minimum coverage. While its third-party ratings for customer satisfaction aren’t exceptional, they are on par with major insurers. In addition to typical coverage options, it offers some helpful add-ons like classic car insurance, rental reimbursement, gap coverage, and custom parts and equipment coverage.
Who it’s best for
American National is a good choice for drivers who plan to shop with an agent, as that is the channel through which it exclusively sells policies (you can’t shop online). It has the cheapest rates for drivers with clean records, as well as those with a speeding ticket (along with State Farm).
American National Denver Pricing
| American National | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $159 | $338 |
| Annually | $1,909 | $28 |
| Difference from Denver average | -42% | -59% |
2. Best for Military and Veterans - USAA
What We Like Most:
- Cheap Denver rates
- Offerings tailored to military/veterans
- Financial services like banking and auto loans in addition to insurance
Why we chose it
USAA has the cheapest rates in Denver after American National, and a reputation for excellent customer service. While it technically doesn’t qualify to rank due to its eligibility restrictions, it received the highest score for customer satisfaction in the Southwest on J.D. Power’s Auto Insurance Study. It also scored highly on J.D. Power’s latest Claims Satisfaction Study.
Who it’s best for
If you qualify for USAA — either as a military member, veteran, or spouse/child of a member — it’s worth getting a quote.
USAA Denver Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $173 | $41 |
| Annually | $2,078 | $497 |
| Difference from Denver average | -37% | -40% |
3. Best Value - State Farm
What We Like Most:
- Local Denver agents
- High customer satisfaction ratings
- Bundling opportunities
Why we chose it
State Farm ranked third in the Southwest for customer satisfaction in J.D. Power’s Auto Insurance Study, just after AAA (CSAA) and Nationwide. Its average Denver rates are cheaper than Nationwide’s (CSAA’s are unavailable), making it a good balance of price and service. It offers two telematics programs that can help drivers save — Steer Clear for young drivers, and Drive Safe & Save for drivers of all ages.
Who it’s best for
State Farm is a good choice for customers who value the service of an agent. While you can start a quote online, you won’t see your premiums until you speak with an agent by phone. It also has some of the cheapest rates in Colorado for drivers with a speeding ticket, at-fault accident, or DUI. Note that its rates for drivers with poor credit tend to be more expensive than average.
State Farm Denver Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $235 | $65 |
| Annually | $2,814 | $785 |
| Difference from Denver average | -15% | -5% |
4. Best for Low Mileage Drivers - Nationwide
What We Like Most:
- #2 in Southwest according to J.D. Power
- Excellent telematics discount
- Pay-per-mile option available
Why we chose it
While Nationwide doesn’t have the cheapest rates in Denver, its satisfaction ratings are solid, scoring highly in both J.D. Power’s Auto Insurance and Claims Satisfaction studies. It’s also one of a few insurers to offer pay-per-mile insurance in Colorado, which could save you significantly if you drive fewer than 8,000 miles annually. Alternatively, higher mileage drivers can save with Nationwide’s telematics discount, Smartride, which offers an impressive potential discount of up to 40 percent at renewal.
Who it’s best for
Remote workers, retirees, and households with an extra vehicle may save with a pay-per-mile program. Nationwide is best for drivers who plan to purchase full coverage, as its minimum coverage rates are significantly higher than the Denver average.
Nationwide Denver Pricing
| Nationwide | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $277 | $99 |
| Annually | $3,325 | $1,193 |
| Difference from Denver average | +1% | +44% |
5. Highest Customer Satisfaction - CSAA (AAA)
What We Like Most:
- #1 in Southwest according to J.D. Power
- Best-in-class roadside assistance
- Above-average CRASH Network grade
Why we chose it
CSAA, a AAA club, earns high marks customer satisfaction. It ranked as the top insurer in the Southwest according to J.D. Power, with a score 40 points above the regional average. The company also performs well in claims satisfaction, coming in 20 points above the J.D. Power average. CSAA holds a solid reputation with repair professionals, earning a B- grade from the CRASH Network nationally, which improves to a B in the Rocky Mountains region.
Who it’s best for
Longtime AAA members will get the best rates and discounts with CSAA. It’s also a good option for customers who prefer to purchase their policies through a local agent rather than online. Data on average rates in Denver isn’t available, so get a quote to see how much you’ll pay.
Denver Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Southwest1 | CRASH Network Report Card2 | J.D. Power Auto Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| American National | Not rated | C+ | Not rated | 2.72 |
| USAA | 720 | D+ | 741 | 2.74 |
| State Farm | 648 | C- | 716 | 2.13 |
| Nationwide | 661 | C | 729 | 2.78 |
| CSAA (AAA) | 676 | B- | 720 | 2.94 |
| Average | 636 (out of 1,000) | C+ | 700 (out of 1,000) | 1 |
| What the study measures | Measures customer satisfaction based on responses from 48,121 customers. | Payment practices and claims handling, based on an annual survey of collision repair shops. | Based on satisfaction ratings from 9,455 customers who settled a claim within the previous nine months. | Measures consumer complaints, relative to market share. The National index is always 1, so the lower the score, the better. |
Cheapest Full Coverage Car Insurance in Denver
American National, USAA, and GEICO have the cheapest average rates for full coverage car insurance in Denver.
| Company | Monthly Average | Annual Average |
|---|---|---|
| American National | $159 | $1,909 |
| USAA | $173 | $2,078 |
| GEICO | $183 | $2,200 |
| State Farm | $235 | $2,814 |
| American Family | $254 | $3,045 |
| Auto-Owners | $257 | $3,086 |
| Progressive | $260 | $3,117 |
| Nationwide | $277 | $3,325 |
| Allstate | $304 | $3,647 |
| Farmers | $442 | $5,304 |
| Denver Average | $275 | $3,296 |
| Colorado Average | $197 | $2,365 |
| National Average | $200 | $2,399 |
Cheapest Minimum Coverage Car Insurance in Denver
American National, USAA, and GEICO also have the cheapest minimum coverage rates in Denver.
| Company | Monthly Average | Annual Average |
|---|---|---|
| American National | $28 | $338 |
| USAA | $41 | $497 |
| GEICO | $49 | $590 |
| Progressive | $57 | $689 |
| State Farm | $65 | $785 |
| American Family | $74 | $893 |
| Auto-Owners Insurance | $79 | $943 |
| Nationwide | $99 | $1,193 |
| Farmers | $136 | $1,626 |
| Denver Average | $69 | $830 |
| Colorado Average | $52 | $628 |
| National Average | $53 | $635 |
TIP:
Minimum coverage might be a better option if your car is old, or high in value. A newer, more expensive car is better protected with full coverage.
How many car accidents happen in Denver?
In 2024, there were an estimated 15,707 car crashes in Denver.5 The previous year saw 15,442 crashes. As of October 28, there have been 12,511 crashes in 2025.
There have been 62 traffic deaths in Denver in 2025.6 In 2024, 80 people died in traffic crashes, and 83 people died in 2023.
Based on CDOT’s crash map, some of the most dangerous areas to drive in Denver are:
- Downtown Denver and Capitol Hill
- Colfax Avenue corridor
- I-25/I-70 interchange zones
- South Denver (Glendale–Englewood corridor)
- East Denver extending into Aurora
Minimum Auto Insurance Requirements in Denver
Colorado drivers are required to carry the following insurance coverage at a minimum:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability: $15,000 per accident7
These limits are often expressed as 25/50/15. 25/50/15 insurance is a good place to start, but it’s important to know that experts recommend at least a 100/300 policy (that’s $100,000 per person and $300,000 per accident). Driving without possessing at least 25/50/15 insurance in Colorado can result in fines ranging from $500–1,000+, and community service of forty hours or more.
Frequently Asked Questions
Why is Denver car insurance so expensive?
Denver car insurance is expensive due to numerous factors, including the growing population of Denver, and a recent increase in car accidents, and accident severity. Colorado also has some of the highest rates of vehicle theft in the entire country.
What do I have to do after getting in an accident in Denver?
After an accident in Denver, first make sure everyone is safe and call 911 if there are injuries. Move vehicles out of traffic if possible, exchange insurance and contact information with the other driver, and take photos of the scene. You must also report the crash to the Denver Police Department within 60 days if it caused injury, death, or property damage over $1,000.
Do I need a police report to file a claim in Denver?
You don’t always need a police report to file an insurance claim in Denver, but having one can make the process smoother. Most insurance companies recommend filing a report, especially if there are injuries, major damage, or disputes about fault. In Colorado, you’re legally required to report any crash involving injury, death, or property damage over $1,000.
Will a parking ticket raise my rates in Colorado?
No, a parking ticket won’t affect your insurance rates in Colorado because it’s not a moving violation. However, unpaid tickets could lead to penalties like registration holds, which might indirectly cause issues if left unresolved.
Do I have to have full coverage insurance in Colorado?
No, full coverage isn’t required by law in Colorado. Drivers must carry at least the state’s minimum liability insurance, but adding full coverage (collision and comprehensive) is optional. However, if you leased or financed your vehicle, your lender may require you to carry full coverage.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Denver, Colorado, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Managing Editor & Industry Analyst
Maya Afilalo holds over 10 years of professional experience in writing, communications, and research, which she leverages to provide accurate and reliable information to empower consumers. In addition to overseeing content production, Maya has herself written many articles on auto insurance costs, company comparisons, state laws and requirements, and other topics. She is committed to helping consumers navigate the complex world of car insurance with clarity and confidence. Maya holds a bachelor’s degree from the University of Pennsylvania and a master’s from North Carolina State University.
Sources
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmColorado Crash Data Dashboard. Colorado Department of Transportation. (2025).
https://tableau.state.co.us/t/CDOT/views/CDOTCrashSummaryAVtestver2_0/StatewideSummary?%3Aorigin=card_share_link&%3Aembed=y&%3AisGuestRedirectFromVizportal=yDenver’s Vision Zero Statistics & Real-Time Tracking. Denver Government. (2025).
https://denvergov.org/Government/Citywide-Programs-and-Initiatives/Vision-Zero/StatisticsMandatory Automobile Insurance in Colorado. Colorado General Assembly. (2025).
https://leg.colorado.gov/content/mandatory-automobile-insurance-colorado
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