Who Has The Best Car Insurance Rates in Denver?

We surveyed seven of the top auto insurance companies in Denver in order to get a detailed understanding of which companies offered the best rates and which companies are charging too much. Overall, GEICO had the best rates in Denver, with an average annual cost of just $751. We also did a breakdown of costs across 14 neighborhoods in the Denver area, so Denverites can see how their car insurance prices compares with that of their neighbors'. To get multiple quotes from insurers near you, input your ZIP code in the box above.

Cheapest Car Insurance Companies in Denver

After surveying seven insurance companies in 14 neighborhoods in the Denver area, we found that in each area GEICO offered the best prices overall. At GEICO, our sample driver profile would expect to pay an average of $751 per year, a 30% savings from the city average of $1,083.

State Farm also offered competitive rates, with its average annual rate $823 of coming in about 10% more expensive than GEICO. However, car insurance rates can vary by driver based on age, car type and driving history, so drivers looking to find the lowest possible price for car insurance should always check multiple companies. This way, you can be sure you're paying the smallest amount you can for automobile insurance.

Graph showing cheapest car insurance providers in Denver, CO

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Several other insurers fell in the range of $1,000 to $1,100 per year. Meanwhile, Colorado Farm Bureau offered the most expensive rates to Denverites, charging nearly double the amount for car insurance coverage that GEICO does, with an average price of $1,646 per year.

RankCompanyAverage Annual Rate
1GEICO$751
2State Farm$823
3American Family$1,048
4Allstate$1,097
5Cal Casualty$1,104
6MetLife$1,113
7Colorado Farm Bureau$1,646
Denver Average$1,083

Average Cost of Car Insurance in Denver: by Neighborhood

In our neighborhood-by-neighborhood analysis of car insurance prices around Denver, we found a moderate gap in prices. Overall, the cheapest area for car insurance, Littleton, worked out to be about 18% cheaper than the most expensive neighborhood we found, Five Points. However, when considering only the two cheapest car insurance companies, that annual price gap shrinks to only 11%, or $72 per year.

RankNeighborhoodAverage Annual Rate
1Littleton$967
2Highlands$979
3Golden$1,006
4Belmar / Lakewood$1,017
5South Broadway$1,020
6Cherry Creek$1,080
7South Pearl$1,082
8RiNo / River North$1,119
9Capitol Hill / Congress Park$1,121
10Stapleton / Northfield$1,138
11Uptown$1,140
12East Colfax$1,147
13LoDo$1,169
14Five Points$1,179
Denver Average$1,083

Best Auto Insurance Companies in Denver

Our overall recommendation for car insurance companies goes to GEICO. It had the best rates overall and possesses excellent financial stability and consistent customer service: JD. Power gave GEICO a four out of five ranking in its claims satisfaction survey. For our sample driving profile, GEICO offered rates 35% cheaper than the city average and less than half the price of the most expensive insurer, Colorado Farm Bureau.

If you prefer having an in-person relationship with your agent, we recommend State Farm. Its rates were only a few dollars more per month than GEICO, but there are numerous State Farm agents around the Denver area—a service that GEICO does not provide.

Auto Insurance Company

Best For …
GEICOLow Cost
State FarmIn-person Customer Service

Car Theft Statistics in Denver

Though it doesn't take the top spot, Denver is among the most likely places in Colorado to have your car stolen. It places second statewide and 20th across the country when it comes to the number of car thefts per capita. Only the Pueblo metropolitan area had higher rates of car theft.

CityNational Rank (out of 381 Metropolitan Statistical Areas)# of Car Thefts# of Car Thefts per 100,000 Residents
Pueblo31353812.73
Denver-Aurora-Lakewood2014791512.11
Colorado Springs652410332.93
Greeley178582191.05
Grand Junction199266175.44
Boulder201565175.19
Fort Collins265459133.44

Auto Insurance Agents in Denver

Though most major car insurance companies allow you to purchase your policy and make a claim online, Denverites who prefer to deal directly with an agent near them have plenty of options. We've compiled a list of local independent and captive car insurance agents in 14 neighborhoods in Denver who can work with you in person to find the right insurance policy for your needs.

NeighborhoodInsurer or AgentAddress
LittletonAmerican Family Insurance - Shelley Czajkowski5994 S Prince St Ste 200, Littleton, CO 80120
Farmers Insurance - Christopher Gilmore6205 S Santa Fe Dr, Littleton, CO 80120
Marci Reece - State Farm Insurance Agent1869 W Littleton Blvd, Littleton, CO 80120
Front Range Insurance Services5661 S Curtice St, Littleton, CO 80120
Lautenbach Insurance Agency, LLC5721 S Nevada St, Littleton, CO 80120
HighlandsGardner Insurance7400 W 64th Ave, Arvada, CO 80003
Farmers Insurance - Larisa Degtyar6644 Wadsworth Blvd #2, Arvada, CO 80003
Shelter Insurance - Larry Barnes6648 Wadsworth Blvd, Arvada, CO 80003
Reilly Chunn - State Farm Insurance Agent6777 Wadsworth Blvd Ste 201, Arvada, CO 80003
Kevin Dirst: Allstate Insurance5067 W 64th Ave, Arvada, CO 80003
GoldenPaul Erdman - State Farm Insurance Agent601 16th St Ste B, Golden, CO 80401
Denver West Insurance Brokers722, #C205, Washington Ave, Golden, CO 80401
Farmers Insurance - Rebecca Shirey607 10th St #206, Golden, CO 80401
American Family Insurance - Wendy Caspari Agency804 Washington Ave, Golden, CO 80401
Banks Insurance Agency Inc711 12th St, Golden, CO 80401
Belmar / LakewoodLee Major Agency7475 W 5th Ave #150B, Lakewood, CO 80226
Insurance Unlimited307 Wadsworth Blvd, Lakewood, CO 80226
Farmers Insurance - Steven Hesch441 Wadsworth Blvd Ste 111, Lakewood, CO 80226
Justin Aller - State Farm Insurance Agent3300, 7111 W Alameda Ave q, Lakewood, CO 80226
William Langer: Allstate Insurance215 S Wadsworth Blvd STE 400, Lakewood, CO 80226
South BroadwayWilliam B Taylor Insurance3630 S Galapago St, Englewood, CO 80110
Farmers Insurance - Jessica Seales750 W Hampden Ave Ste 275, Englewood, CO 80110
Kimberly Brogan Smith - State Farm Insurance Agent867 Englewood Pkwy, Englewood, CO 80110
American Family Insurance - Dan Bigandt730 W Hampden Ave ste 308, Englewood, CO 80110
Solera Insurance & Financial4251 S Natches Ct, Sheridan, CO 80110
Cherry CreekMorton Brooks Insurance1633 E Virginia Ave, Denver, CO 80209
Frontier Insurance Services574 S Broadway, Denver, CO 80209
Farmers Insurance Edwin Velasquez930 S Broadway ste 104, Denver, CO 80209
Lori Rickert - State Farm Insurance Agent714 S Pearl St, Denver, CO 80209
Healey & Hamilton Insurance Group494 S Vine St, Denver, CO 80209
South PearlColorado Insurance Broker, Inc.1221 S Clarkson St, Denver, CO 80210
State Farm: Collette Cressy-Beer900 E Louisiana Ave #105, Denver, CO 80210
Sloakum Insurance Services1590 S Ogden St, Denver, CO 80210
Washington Park Family Insurance1955 E Arizona Ave #218, Denver, CO 80210
Paul Novak: Allstate Insurance3900 E Mexico Ave #105, Denver, CO 80210
RiNo / River NorthMile High Insurance Agency Inc.5161 York St, Denver, CO 80216
Tom Anthony5001 National Western Dr, Denver, CO 80216
April Cornell451 E 58th Ave, Denver, CO 80216
Christiana Hill: Allstate Insurance3575 Ringsby Ct #415, Denver, CO 80216
Horace Mann Insurance - Financial Framework, LLC3840 York St #218, Denver, CO 80205
Capitol Hill / Congress ParkFritts Insurance1934 E 18th Ave, Denver, CO 80206
Nationwide Insurance: Lloyd Pro Group Inc Agency1525 Josephine St, Denver, CO 80206
Lou Toth: Allstate Insurance1633 Fillmore St #380, Denver, CO 80206
Chris Metscher3570 E 12th Ave #200, Denver, CO 80206
Denver Agency Company210 University Blvd, Denver, CO 80206
Stapleton / NorthfieldAlexander Cole: Allstate Insurance8340 E Northfield Blvd #2650, Denver, CO 80238
DernCo Insurance Superstore8354 Northfield Blvd Suite 3700, Denver, CO 80238
Kenny Plank - State Farm Insurance Agent7505 E 35th Ave #350, Denver, CO 80238
Adams & Ellsworth2373 Central Park Blvd #100, Denver, CO 80238
Winter Insurance2543 Yosemite St, Denver, CO 80238
UptownKuzbiel Insurance Brokers1930 Sherman St, Denver, CO 80203
Mitch McCloskey: Allstate Insurance616 N Washington St Ste 106, Denver, CO 80203
Equity First Insurance Group Llc660 Logan St, Denver, CO 80203
Munroe Insurance Agency609 E Speer Blvd # 205, Denver, CO 80203
Covered Insurance Solutions, Inc.1177 Grant St suite 302, Denver, CO 80203
East ColfaxJoe Adams - State Farm Insurance Agent4110 8th Ave, Denver, CO 80220
Allstate Insurance: Jim Kinney4620 E Colfax Ave, Denver, CO 80220
Gonzalez Insurance Agency6450 E Colfax Ave, Denver, CO 80220
Akenten Group International LLC7226 E Colfax Ave, Denver, CO 80220
State Insurance Broker - Raphael Chaman7520 E Colfax Ave, Denver, CO 80220
LoDoRingler Associates Inc865 Santa Fe Dr, Denver, CO 80204
Gavin Heidkamp: Allstate Insurance918 W 8th Ave, Denver, CO 80204
Hank Dorner - State Farm Insurance Agent118 W 5th Ave, Denver, CO 80204
One Stop Insurance Services1325 Delaware St, Denver, CO 80204
Insurance Stops918 6th Ave, Denver, CO 80204
Five PointsRichardson Agency2612 Champa St, Denver, CO 80205
The Owen Group2101 Market St, Denver, CO 80205
Hays Co1125 17th St, Denver, CO 80202
J T Barthelemy: Allstate Insurance1940 Blake St #105, Denver, CO 80202
Bill Clark & Associates Inc2601 Blake St, Denver, CO 80205

Minimum Auto Insurance Requirements in Denver, Colorado

You're required to have a minimum level of insurance in order to drive a car in the state of Colorado. Below, we've included the minimum insurance limits for each required coverage.

Colorado Required Car Insurance CoverageCO Required Min. Limits
Bodily Injury (BI)$25,000 per person / $50,000 per accident
Property Damage (PD)$15,000 per accident

Methodology

The sample quotes we obtained were for a 30 year old single male driving a Toyota Camry that he owns. His credit is excellent and he has opted for basic coverage by Colorado state standards. In a typical year, our driver travels between 10,000 and 15,000 miles in his vehicle which he uses to commute to and from work. Our driver has zero accidents or traffic incidents of record in the past five years.

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