Who Has The Best Car Insurance Rates in Denver?

Who Has The Best Car Insurance Rates in Denver?

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

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

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?

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.

Rank
Company
Average 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
{"alignsHorizontal":["left","left","right"],"alignsVertical":[],"columnWidths":[],"data":[["Rank","Company","Average Annual Rate"],["1","Geico","$751"],["2","State Farm","$823"],["3","American Family","$1,048"],["4","Allstate","$1,097"],["5","Cal Casualty","$1,104"],["6","MetLife","$1,113"],["7","Colorado Farm Bureau","$1,646"],["","Denver Average","$1,083"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

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.

Rank
Neighborhood
Average 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
Show All Rows
{"alignsHorizontal":["left","left","right"],"alignsVertical":[],"columnWidths":[],"data":[["Rank","Neighborhood","Average Annual Rate"],["1","Littleton","$967"],["2","Highlands","$979"],["3","Golden","$1,006"],["4","Belmar \/ Lakewood","$1,017"],["5","South Broadway","$1,020"],["6","Cherry Creek","$1,080"],["7","South Pearl","$1,082"],["8","RiNo \/ River North","$1,119"],["9","Capitol Hill \/ Congress Park","$1,121"],["10","Stapleton \/ Northfield","$1,138"],["11","Uptown","$1,140"],["12","East Colfax","$1,147"],["13","LoDo","$1,169"],["14","Five Points","$1,179"],["","Denver Average","$1,083"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

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
{"alignsHorizontal":["left","left"],"alignsVertical":[],"columnWidths":[],"data":[["\u003C\/p\u003E\n\n\u003Cp\u003EAuto Insurance Company","Best For \u2026"],["Geico","Low Cost"],["State Farm","In-person Customer Service"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

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.

City
National 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

{"alignsHorizontal":["left","right","right","right"],"alignsVertical":[],"columnWidths":[],"data":[["City","National Rank (out of 381 Metropolitan Statistical Areas)","# of Car Thefts","# of Car Thefts per 100,000 Residents"],["Pueblo","3","1353","812.73"],["Denver-Aurora-Lakewood","20","14791","512.11"],["Colorado Springs","65","2410","332.93"],["Greeley","178","582","191.05"],["Grand Junction","199","266","175.44"],["Boulder","201","565","175.19"],["Fort Collins","265","459","133.44\u003C\/p\u003E\n\n\u003Cp\u003E"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

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.

Neighborhood
Insurer or Agent
Address
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
Show All Rows
{"alignsHorizontal":["left","left","left"],"alignsVertical":[],"columnWidths":[],"data":[["Neighborhood","Insurer or Agent","Address"],["Littleton","American Family Insurance - Shelley Czajkowski","5994 S Prince St Ste 200, Littleton, CO 80120"],["","Farmers Insurance - Christopher Gilmore","6205 S Santa Fe Dr, Littleton, CO 80120"],["","Marci Reece - State Farm Insurance Agent","1869 W Littleton Blvd, Littleton, CO 80120"],["","Front Range Insurance Services","5661 S Curtice St, Littleton, CO 80120"],["","Lautenbach Insurance Agency, LLC","5721 S Nevada St, Littleton, CO 80120"],["Highlands","Gardner Insurance","7400 W 64th Ave, Arvada, CO 80003"],["","Farmers Insurance - Larisa Degtyar","6644 Wadsworth Blvd #2, Arvada, CO 80003"],["","Shelter Insurance - Larry Barnes","6648 Wadsworth Blvd, Arvada, CO 80003"],["","Reilly Chunn - State Farm Insurance Agent","6777 Wadsworth Blvd Ste 201, Arvada, CO 80003"],["","Kevin Dirst: Allstate Insurance","5067 W 64th Ave, Arvada, CO 80003"],["Golden","Paul Erdman - State Farm Insurance Agent","601 16th St Ste B, Golden, CO 80401"],["","Denver West Insurance Brokers","722, #C205, Washington Ave, Golden, CO 80401"],["","Farmers Insurance - Rebecca Shirey","607 10th St #206, Golden, CO 80401"],["","American Family Insurance - Wendy Caspari Agency","804 Washington Ave, Golden, CO 80401"],["","Banks Insurance Agency Inc","711 12th St, Golden, CO 80401"],["Belmar \/ Lakewood","Lee Major Agency","7475 W 5th Ave #150B, Lakewood, CO 80226"],["","Insurance Unlimited","307 Wadsworth Blvd, Lakewood, CO 80226"],["","Farmers Insurance - Steven Hesch","441 Wadsworth Blvd Ste 111, Lakewood, CO 80226"],["","Justin Aller - State Farm Insurance Agent","3300, 7111 W Alameda Ave q, Lakewood, CO 80226"],["","William Langer: Allstate Insurance","215 S Wadsworth Blvd STE 400, Lakewood, CO 80226"],["South Broadway","William B Taylor Insurance","3630 S Galapago St, Englewood, CO 80110"],["","Farmers Insurance - Jessica Seales","750 W Hampden Ave Ste 275, Englewood, CO 80110"],["","Kimberly Brogan Smith - State Farm Insurance Agent","867 Englewood Pkwy, Englewood, CO 80110"],["","American Family Insurance - Dan Bigandt","730 W Hampden Ave ste 308, Englewood, CO 80110"],["","Solera Insurance & Financial","4251 S Natches Ct, Sheridan, CO 80110"],["Cherry Creek","Morton Brooks Insurance","1633 E Virginia Ave, Denver, CO 80209"],["","Frontier Insurance Services","574 S Broadway, Denver, CO 80209"],["","Farmers Insurance Edwin Velasquez","930 S Broadway ste 104, Denver, CO 80209"],["","Lori Rickert - State Farm Insurance Agent","714 S Pearl St, Denver, CO 80209"],["","Healey & Hamilton Insurance Group","494 S Vine St, Denver, CO 80209"],["South Pearl","Colorado Insurance Broker, Inc.","1221 S Clarkson St, Denver, CO 80210"],["","State Farm: Collette Cressy-Beer","900 E Louisiana Ave #105, Denver, CO 80210"],["","Sloakum Insurance Services","1590 S Ogden St, Denver, CO 80210"],["","Washington Park Family Insurance","1955 E Arizona Ave #218, Denver, CO 80210"],["","Paul Novak: Allstate Insurance","3900 E Mexico Ave #105, Denver, CO 80210"],["RiNo \/ River North","Mile High Insurance Agency Inc.","5161 York St, Denver, CO 80216"],["","Tom Anthony","5001 National Western Dr, Denver, CO 80216"],["","April Cornell","451 E 58th Ave, Denver, CO 80216"],["","Christiana Hill: Allstate Insurance","3575 Ringsby Ct #415, Denver, CO 80216"],["","Horace Mann Insurance - Financial Framework, LLC","3840 York St #218, Denver, CO 80205"],["Capitol Hill \/ Congress Park","Fritts Insurance","1934 E 18th Ave, Denver, CO 80206"],["","Nationwide Insurance: Lloyd Pro Group Inc Agency","1525 Josephine St, Denver, CO 80206"],["","Lou Toth: Allstate Insurance","1633 Fillmore St #380, Denver, CO 80206"],["","Chris Metscher","3570 E 12th Ave #200, Denver, CO 80206"],["","Denver Agency Company","210 University Blvd, Denver, CO 80206"],["Stapleton \/ Northfield","Alexander Cole: Allstate Insurance","8340 E Northfield Blvd #2650, Denver, CO 80238"],["","DernCo Insurance Superstore","8354 Northfield Blvd Suite 3700, Denver, CO 80238"],["","Kenny Plank - State Farm Insurance Agent","7505 E 35th Ave #350, Denver, CO 80238"],["","Adams & Ellsworth","2373 Central Park Blvd #100, Denver, CO 80238"],["","Winter Insurance","2543 Yosemite St, Denver, CO 80238"],["Uptown","Kuzbiel Insurance Brokers","1930 Sherman St, Denver, CO 80203"],["","Mitch McCloskey: Allstate Insurance","616 N Washington St Ste 106, Denver, CO 80203"],["","Equity First Insurance Group Llc","660 Logan St, Denver, CO 80203"],["","Munroe Insurance Agency","609 E Speer Blvd # 205, Denver, CO 80203"],["","Covered Insurance Solutions, Inc.","1177 Grant St suite 302, Denver, CO 80203"],["East Colfax","Joe Adams - State Farm Insurance Agent","4110 8th Ave, Denver, CO 80220"],["","Allstate Insurance: Jim Kinney","4620 E Colfax Ave, Denver, CO 80220"],["","Gonzalez Insurance Agency","6450 E Colfax Ave, Denver, CO 80220"],["","Akenten Group International LLC","7226 E Colfax Ave, Denver, CO 80220"],["","State Insurance Broker - Raphael Chaman","7520 E Colfax Ave, Denver, CO 80220"],["LoDo","Ringler Associates Inc","865 Santa Fe Dr, Denver, CO 80204"],["","Gavin Heidkamp: Allstate Insurance","918 W 8th Ave, Denver, CO 80204"],["","Hank Dorner - State Farm Insurance Agent","118 W 5th Ave, Denver, CO 80204"],["","One Stop Insurance Services","1325 Delaware St, Denver, CO 80204"],["","Insurance Stops","918 6th Ave, Denver, CO 80204"],["Five Points","Richardson Agency","2612 Champa St, Denver, CO 80205"],["","The Owen Group","2101 Market St, Denver, CO 80205"],["","Hays Co","1125 17th St, Denver, CO 80202"],["","J T Barthelemy: Allstate Insurance","1940 Blake St #105, Denver, CO 80202"],["","Bill Clark & Associates Inc","2601 Blake St, Denver, CO 80205"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

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 Coverage
CO Required Min. Limits
Bodily Injury (BI)$25,000 per person / $50,000 per accident
Property Damage (PD)$15,000 per accident
{"alignsHorizontal":["left","right"],"alignsVertical":[],"columnWidths":[],"data":[["Colorado Required Car Insurance Coverage","CO Required Min. Limits"],["Bodily Injury (BI)","$25,000 per person \/ $50,000 per accident"],["Property Damage (PD)","$15,000 per accident"]],"footnote":"","hasMarginBottom":true,"isExpandable":true,"isSortable":false,"maxWidth":"1215","minWidth":"100%","showSearch":false,"sortColumnIndex":0,"sortDirection":"asc"}

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.

Mark is a Senior Research Analyst for ValuePenguin focusing on the insurance industry, primarily auto insurance. He previously worked in financial risk management at State Street Corporation.

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.