Denver Colorado Car Insurance Quotes 2026 | Cheap Rates, Liability Only or Full Coverage

Compare Denver car insurance rates for 2026 across multiple insurance companies, including liability only and full coverage. See how price changes by driver, vehicle, credit, ZIP code, violations, accidents, DUI, and SR22 insurance requirements, with guidance based on current Colorado auto quoting activity.

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Cheapest auto insurance companies

Filters: Geo_mode state, State CO

Source ... A Plus Insurance Quote Dataset

Liability only

Filters: Geo_mode state, State CO, Coverage liability_only

Insurance companyAvg monthly premium
Bristol West$108.92
Progressive$116.04
The General$150.72

Last updated: 2026-01-27 00:00:45

Download CSV (evidence)

Full coverage

Filters: Geo_mode state, State CO, Coverage full_coverage

Insurance companyAvg monthly premium
Progressive Pop$104.00
Progressive$235.85
Natgen Value$247.91
Bristol West$323.43
Dairyland Auto$410.08
Natgen Value Rstrc Cov Dynamicdrive$947.20

Last updated: 2026-01-27 00:00:45

Download CSV (evidence)

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)
Record ID Agent Agent NPN State City ZIP Age Sex Marital Status Currently Insured Prior Carrier Vehicle Year Vehicle Make Vehicle Model Coverage Package Carrier Quoted Monthly Premium SR22 Required DUI Flag DUI Count Accidents Count Violations Count Created At
864 Ruby Finley 21453504 CO GRAND JUNCTION 81501 25 male married yes All Other Standard Companie 2014 HONDA ACCORD SPORT full_coverage Progressive POP 93.00 no no 0 0 0 2026-01-26 23:33:42
864 Ruby Finley 21453504 CO GRAND JUNCTION 81501 25 male married yes All Other Standard Companie 2014 HONDA ACCORD SPORT full_coverage Progressive POP 93.00 no no 0 0 0 2026-01-26 23:33:42
863 Alexis Karapiparis CO DENVER 80216 52 male separated yes All Other Non Standard Comp 2011 NISSAN ROGUE KROM liability_only Progressive 92.56 no no 0 0 0 2026-01-26 23:31:58
862 Ruby Finley 21453504 CO DENVER 80202 29 male single yes USAA CASUALTY INS CO 2019 DODGE CHALLENGER SXT full_coverage Bristol West 528.04 no no 0 0 0 2026-01-26 23:29:44
862 Ruby Finley 21453504 CO DENVER 80202 29 male single yes USAA CASUALTY INS CO 2025 HYUNDAI KONA SEL full_coverage Bristol West 528.04 no no 0 0 0 2026-01-26 23:29:44
861 Ruby Finley 21453504 CO LONGMONT 80504 18 male single yes All Other Standard Companie 2010 SUBARU OUTBACK 2.5I PREMIUM full_coverage Bristol West 268.92 no no 0 0 0 2026-01-26 23:29:04
860 Alexis Karapiparis CO COLORADO SPRINGS 80910 25 female single yes All Other Standard Companies 2018 NISSAN ALTIMA 2.5 full_coverage Bristol West 369.98 no no 0 0 0 2026-01-26 23:28:13
860 Alexis Karapiparis CO COLORADO SPRINGS 80910 25 female single yes All Other Standard Companies 2018 NISSAN ALTIMA 2.5 full_coverage Bristol West 369.98 no no 0 0 0 2026-01-26 23:28:13
860 Alexis Karapiparis CO COLORADO SPRINGS 80910 25 female single yes All Other Standard Companies 2014 RAM RAM TRUCK 2500 LARAM full_coverage Bristol West 369.98 no no 0 0 0 2026-01-26 23:28:13
860 Alexis Karapiparis CO COLORADO SPRINGS 80910 25 female single yes All Other Standard Companies 2014 RAM RAM TRUCK 2500 LARAM full_coverage Bristol West 369.98 no no 0 0 0 2026-01-26 23:28:13
859 Crystal Farley 18863693 CO WOODLAND PARK 80863 60 female single yes All Other Standard Companies 2024 TOYOTA RAV4 PRIME XSE full_coverage Progressive POP 126.00 no no 0 0 0 2026-01-26 23:27:33
858 Ruby Finley 21453504 CO GREEN MOUNTAIN FALLS 80819 54 male married yes Bristol West 2018 GMC SIERRA K3500 DENALI full_coverage Dairyland Auto 410.08 no no 0 0 0 2026-01-26 23:26:56
858 Ruby Finley 21453504 CO GREEN MOUNTAIN FALLS 80819 54 male married yes Bristol West 2018 GMC SIERRA K3500 DENALI full_coverage Dairyland Auto 410.08 no no 0 0 0 2026-01-26 23:26:56
858 Ruby Finley 21453504 CO GREEN MOUNTAIN FALLS 80819 54 male married yes Bristol West 2019 JEEP WRANGLER UNLMTED RUB full_coverage Dairyland Auto 410.08 no no 0 0 0 2026-01-26 23:26:56
858 Ruby Finley 21453504 CO GREEN MOUNTAIN FALLS 80819 54 male married yes Bristol West 2019 JEEP WRANGLER UNLMTED RUB full_coverage Dairyland Auto 410.08 no no 0 0 0 2026-01-26 23:26:56
857 Ashley Ledbetter 20013497 CO WRAY 80758 25 female married no Bristol West 2011 FORD TAURUS LIMITED full_coverage Bristol West 169.00 no no 0 0 1 2026-01-26 23:26:15
857 Ashley Ledbetter 20013497 CO WRAY 80758 25 female married no Bristol West 2011 FORD TAURUS LIMITED full_coverage Bristol West 169.00 no no 0 0 1 2026-01-26 23:26:15
856 Alexis Karapiparis CO Grand Junction 81503 21 female single no Progressive 2007 HYUNDAI SONATA LIMITED liability_only Progressive 114.83 no no 0 0 0 2026-01-26 23:25:01
855 Alexis Karapiparis CO PUEBLO 81008 61 female widowed no Bristol West 2010 GMC YUKON DENALI liability_only Bristol West 87.32 no no 0 0 0 2026-01-26 23:24:04
855 Alexis Karapiparis CO PUEBLO 81008 61 female widowed no Bristol West 2016 FORD F250 SUPER DUTY liability_only Bristol West 87.32 no no 0 0 0 2026-01-26 23:24:04
854 Lauren McKenzie 19081764 CO CALHAN 80808 24 male single no Bristol West 2018 GMC CANYON full_coverage Bristol West 226.08 no no 0 0 0 2026-01-26 23:23:28
853 Ashley Ledbetter 20013497 CO LAKEWOOD 80227 48 male single yes MENDOTA INS CO 2011 GMC SIERRA C1500 full_coverage Bristol West 188.68 no no 0 0 0 2026-01-26 23:22:18
852 Crystal Farley 18863693 CO COLORADO SPRINGS 80915 53 male single no None 2016 KIA SORENTO LX full_coverage Progressive 234.32 no no 0 0 0 2026-01-26 23:21:39
851 Ruby Finley 21453504 CO CLIFTON 81520 28 male married yes All Other Standard Companie 2020 DODGE CHARGER SXT full_coverage Progressive 262.99 no no 0 0 0 2026-01-26 23:19:50
851 Ruby Finley 21453504 CO CLIFTON 81520 28 male married yes All Other Standard Companie 2020 DODGE CHARGER SXT full_coverage Progressive 262.99 no no 0 0 0 2026-01-26 23:19:50
851 Ruby Finley 21453504 CO CLIFTON 81520 28 male married yes All Other Standard Companie 2005 DODGE RAM 3500 SLT full_coverage Progressive 262.99 no no 0 0 0 2026-01-26 23:19:50
851 Ruby Finley 21453504 CO CLIFTON 81520 28 male married yes All Other Standard Companie 2005 DODGE RAM 3500 SLT full_coverage Progressive 262.99 no no 0 0 0 2026-01-26 23:19:50
850 Crystal Farley 18863693 CO DENVER 80249 40 male single yes FARM AND CITY INS CO 2023 CHEVROLET SILVERADO C1500 LT full_coverage NatGen Value Rstrc Cov DynamicDrive 406.84 no no 0 0 1 2026-01-26 23:19:03
850 Crystal Farley 18863693 CO DENVER 80249 40 male single yes FARM AND CITY INS CO 2003 CHEVROLET CORVETTE full_coverage NatGen Value Rstrc Cov DynamicDrive 406.84 no no 0 0 1 2026-01-26 23:19:03
849 Ruby Finley 21453504 CO COLORADO SPRINGS 80909 47 male single no Bristol West 2019 SUBARU OUTBACK 2.5I LIMITED full_coverage Progressive 128.83 no no 0 0 0 2026-01-26 23:18:23
848 Crystal Farley 18863693 CO GREELEY 80634 21 male single yes All Other Standard Companie 2005 NISSAN ALTIMA S liability_only Bristol West 137.81 no no 0 0 0 2026-01-26 23:17:48
847 Ashley Ledbetter 20013497 CO PUEBLO 81001 18 male single no The General 2008 CHEVROLET HHR LS liability_only Progressive 126.80 no no 0 0 0 2026-01-26 22:46:02
847 Ashley Ledbetter 20013497 CO PUEBLO 81001 18 male single no The General 2008 CHEVROLET HHR LS liability_only Progressive 126.80 no no 0 0 0 2026-01-26 22:46:02
846 Alexis Karapiparis CO DENVER 80014 40 male single no None 2006 ACURA 3.2 TL liability_only The General 150.72 no no 0 0 0 2026-01-26 22:45:10
846 Alexis Karapiparis CO DENVER 80014 40 male single no None 2006 ACURA 3.2 TL liability_only The General 150.72 no no 0 0 0 2026-01-26 22:45:10
845 Ruby Finley 21453504 CO DENVER 80203 27 male single no Progressive unknown NatGen Value 155.20 yes no 0 0 4 2026-01-26 15:48:00
844 CO COMMERCE CITY 80022 40 male married no None 2022 RAM 1500 BIG HORN full_coverage NatGen Value Rstrc Cov DynamicDrive 1217.38 no no 0 0 0 2026-01-26 15:37:22
844 CO COMMERCE CITY 80022 40 male married no None 2022 RAM 1500 BIG HORN full_coverage NatGen Value Rstrc Cov DynamicDrive 1217.38 no no 0 0 0 2026-01-26 15:37:22
844 CO COMMERCE CITY 80022 40 male married no None 2019 NISSAN PATHFINDER SL full_coverage NatGen Value Rstrc Cov DynamicDrive 1217.38 no no 0 0 0 2026-01-26 15:37:22
844 CO COMMERCE CITY 80022 40 male married no None 2019 NISSAN PATHFINDER SL full_coverage NatGen Value Rstrc Cov DynamicDrive 1217.38 no no 0 0 0 2026-01-26 15:37:22
843 Alexis Karapiparis CO COLORADO SPRINGS 80911 64 female single yes PROGRESSIVE 2011 NISSAN VERSA S liability_only Bristol West 116.08 no no 0 0 0 2026-01-26 15:31:47
843 Alexis Karapiparis CO COLORADO SPRINGS 80911 64 female single yes PROGRESSIVE 2008 HONDA CIVIC LX liability_only Bristol West 116.08 no no 0 0 0 2026-01-26 15:31:47
839 CO DENVER 80222 35 male single yes BRISTOL WEST 2013 GMC YUKON DENALI full_coverage NatGen Value 247.91 yes no 0 0 1 2026-01-26 15:13:29
838 Crystal Farley 18863693 CO AURORA 80011 29 female single no None 2006 TOYOTA CAMRY LE liability_only Progressive 119.19 no no 0 0 0 2026-01-26 03:55:59
836 Crystal Farley 18863693 CO COLORADO SPRINGS 80925 18 male single no None 2016 RAM RAM TRUCK 2500 LARAM unknown Progressive 489.15 no no 0 0 3 2026-01-26 03:30:09
835 Crystal Farley 18863693 CO COLORADO SPRINGS 80910 27 male single no None 2016 CHRYSLER 200 unknown Progressive 91.84 no no 0 0 0 2026-01-26 03:14:27

Denver Car Insurance 2026 Overview

This page summarizes Denver, Colorado auto insurance pricing for 2026, including minimum liability insurance requirements (25/50/15), typical monthly rates for liability only vs full coverage, and which insurance companies tend to price cheaper for Denver drivers. The charts on this page are owned by A Plus Insurance and are built from current incoming 2026 customers requesting quotes and purchasing auto insurance, so the information read reflects real-market activity in this state.

Who this is for

Denver drivers comparing insurance rates across companies, choosing liability insurance vs full coverage, or dealing with high risk situations like violations, accidents, DUI, or SR22 insurance.

Broker comparison

A Plus Insurance is an independent brokerage. We compare policies across insurance companies instead of showing a single carrier price. This helps owners and drivers see the real price range for the same coverage.

Data on this page

The charts are owned by us and built from current incoming 2026 customers in Colorado who are requesting quotes and purchasing auto insurance. We refresh pricing trends month by month as new quotes arrive.

Colorado Minimum Car Insurance Requirements in 2026

Colorado law requires liability insurance at 25/50/15 to drive in this state, including Denver. These limits impact both compliance and how much financial protection a policy actually provides after an accident.

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $15,000 property damage per accident

Many Denver drivers choose higher limits, especially if they have assets, higher income, or a newer vehicle. A higher premium can still be cheaper than being underinsured after a serious loss.

Full coverage vs liability only ... price gap

Filters: Geo_mode state, State CO

Source ... A Plus Insurance Quote Dataset

StateLiability only avg monthlyFull coverage avg monthlyDollar difference
CO$118.85$414.72$295.86

Last updated: 2026-01-27 00:00:45

Download CSV (evidence)

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)
Record ID Agent Agent NPN State City ZIP Age Sex Marital Status Currently Insured Prior Carrier Vehicle Year Vehicle Make Vehicle Model Coverage Package Carrier Quoted Monthly Premium SR22 Required DUI Flag DUI Count Accidents Count Violations Count Created At
864 Ruby Finley 21453504 CO GRAND JUNCTION 81501 25 male married yes All Other Standard Companie 2014 HONDA ACCORD SPORT full_coverage Progressive POP 93.00 no no 0 0 0 2026-01-26 23:33:42
864 Ruby Finley 21453504 CO GRAND JUNCTION 81501 25 male married yes All Other Standard Companie 2014 HONDA ACCORD SPORT full_coverage Progressive POP 93.00 no no 0 0 0 2026-01-26 23:33:42
863 Alexis Karapiparis CO DENVER 80216 52 male separated yes All Other Non Standard Comp 2011 NISSAN ROGUE KROM liability_only Progressive 92.56 no no 0 0 0 2026-01-26 23:31:58
862 Ruby Finley 21453504 CO DENVER 80202 29 male single yes USAA CASUALTY INS CO 2019 DODGE CHALLENGER SXT full_coverage Bristol West 528.04 no no 0 0 0 2026-01-26 23:29:44
862 Ruby Finley 21453504 CO DENVER 80202 29 male single yes USAA CASUALTY INS CO 2025 HYUNDAI KONA SEL full_coverage Bristol West 528.04 no no 0 0 0 2026-01-26 23:29:44
861 Ruby Finley 21453504 CO LONGMONT 80504 18 male single yes All Other Standard Companie 2010 SUBARU OUTBACK 2.5I PREMIUM full_coverage Bristol West 268.92 no no 0 0 0 2026-01-26 23:29:04
860 Alexis Karapiparis CO COLORADO SPRINGS 80910 25 female single yes All Other Standard Companies 2018 NISSAN ALTIMA 2.5 full_coverage Bristol West 369.98 no no 0 0 0 2026-01-26 23:28:13
860 Alexis Karapiparis CO COLORADO SPRINGS 80910 25 female single yes All Other Standard Companies 2018 NISSAN ALTIMA 2.5 full_coverage Bristol West 369.98 no no 0 0 0 2026-01-26 23:28:13
860 Alexis Karapiparis CO COLORADO SPRINGS 80910 25 female single yes All Other Standard Companies 2014 RAM RAM TRUCK 2500 LARAM full_coverage Bristol West 369.98 no no 0 0 0 2026-01-26 23:28:13
860 Alexis Karapiparis CO COLORADO SPRINGS 80910 25 female single yes All Other Standard Companies 2014 RAM RAM TRUCK 2500 LARAM full_coverage Bristol West 369.98 no no 0 0 0 2026-01-26 23:28:13
859 Crystal Farley 18863693 CO WOODLAND PARK 80863 60 female single yes All Other Standard Companies 2024 TOYOTA RAV4 PRIME XSE full_coverage Progressive POP 126.00 no no 0 0 0 2026-01-26 23:27:33
858 Ruby Finley 21453504 CO GREEN MOUNTAIN FALLS 80819 54 male married yes Bristol West 2018 GMC SIERRA K3500 DENALI full_coverage Dairyland Auto 410.08 no no 0 0 0 2026-01-26 23:26:56
858 Ruby Finley 21453504 CO GREEN MOUNTAIN FALLS 80819 54 male married yes Bristol West 2018 GMC SIERRA K3500 DENALI full_coverage Dairyland Auto 410.08 no no 0 0 0 2026-01-26 23:26:56
858 Ruby Finley 21453504 CO GREEN MOUNTAIN FALLS 80819 54 male married yes Bristol West 2019 JEEP WRANGLER UNLMTED RUB full_coverage Dairyland Auto 410.08 no no 0 0 0 2026-01-26 23:26:56
858 Ruby Finley 21453504 CO GREEN MOUNTAIN FALLS 80819 54 male married yes Bristol West 2019 JEEP WRANGLER UNLMTED RUB full_coverage Dairyland Auto 410.08 no no 0 0 0 2026-01-26 23:26:56
857 Ashley Ledbetter 20013497 CO WRAY 80758 25 female married no Bristol West 2011 FORD TAURUS LIMITED full_coverage Bristol West 169.00 no no 0 0 1 2026-01-26 23:26:15
857 Ashley Ledbetter 20013497 CO WRAY 80758 25 female married no Bristol West 2011 FORD TAURUS LIMITED full_coverage Bristol West 169.00 no no 0 0 1 2026-01-26 23:26:15
856 Alexis Karapiparis CO Grand Junction 81503 21 female single no Progressive 2007 HYUNDAI SONATA LIMITED liability_only Progressive 114.83 no no 0 0 0 2026-01-26 23:25:01
855 Alexis Karapiparis CO PUEBLO 81008 61 female widowed no Bristol West 2010 GMC YUKON DENALI liability_only Bristol West 87.32 no no 0 0 0 2026-01-26 23:24:04
855 Alexis Karapiparis CO PUEBLO 81008 61 female widowed no Bristol West 2016 FORD F250 SUPER DUTY liability_only Bristol West 87.32 no no 0 0 0 2026-01-26 23:24:04
854 Lauren McKenzie 19081764 CO CALHAN 80808 24 male single no Bristol West 2018 GMC CANYON full_coverage Bristol West 226.08 no no 0 0 0 2026-01-26 23:23:28
853 Ashley Ledbetter 20013497 CO LAKEWOOD 80227 48 male single yes MENDOTA INS CO 2011 GMC SIERRA C1500 full_coverage Bristol West 188.68 no no 0 0 0 2026-01-26 23:22:18
852 Crystal Farley 18863693 CO COLORADO SPRINGS 80915 53 male single no None 2016 KIA SORENTO LX full_coverage Progressive 234.32 no no 0 0 0 2026-01-26 23:21:39
851 Ruby Finley 21453504 CO CLIFTON 81520 28 male married yes All Other Standard Companie 2020 DODGE CHARGER SXT full_coverage Progressive 262.99 no no 0 0 0 2026-01-26 23:19:50
851 Ruby Finley 21453504 CO CLIFTON 81520 28 male married yes All Other Standard Companie 2020 DODGE CHARGER SXT full_coverage Progressive 262.99 no no 0 0 0 2026-01-26 23:19:50
851 Ruby Finley 21453504 CO CLIFTON 81520 28 male married yes All Other Standard Companie 2005 DODGE RAM 3500 SLT full_coverage Progressive 262.99 no no 0 0 0 2026-01-26 23:19:50
851 Ruby Finley 21453504 CO CLIFTON 81520 28 male married yes All Other Standard Companie 2005 DODGE RAM 3500 SLT full_coverage Progressive 262.99 no no 0 0 0 2026-01-26 23:19:50
850 Crystal Farley 18863693 CO DENVER 80249 40 male single yes FARM AND CITY INS CO 2023 CHEVROLET SILVERADO C1500 LT full_coverage NatGen Value Rstrc Cov DynamicDrive 406.84 no no 0 0 1 2026-01-26 23:19:03
850 Crystal Farley 18863693 CO DENVER 80249 40 male single yes FARM AND CITY INS CO 2003 CHEVROLET CORVETTE full_coverage NatGen Value Rstrc Cov DynamicDrive 406.84 no no 0 0 1 2026-01-26 23:19:03
849 Ruby Finley 21453504 CO COLORADO SPRINGS 80909 47 male single no Bristol West 2019 SUBARU OUTBACK 2.5I LIMITED full_coverage Progressive 128.83 no no 0 0 0 2026-01-26 23:18:23
848 Crystal Farley 18863693 CO GREELEY 80634 21 male single yes All Other Standard Companie 2005 NISSAN ALTIMA S liability_only Bristol West 137.81 no no 0 0 0 2026-01-26 23:17:48
847 Ashley Ledbetter 20013497 CO PUEBLO 81001 18 male single no The General 2008 CHEVROLET HHR LS liability_only Progressive 126.80 no no 0 0 0 2026-01-26 22:46:02
847 Ashley Ledbetter 20013497 CO PUEBLO 81001 18 male single no The General 2008 CHEVROLET HHR LS liability_only Progressive 126.80 no no 0 0 0 2026-01-26 22:46:02
846 Alexis Karapiparis CO DENVER 80014 40 male single no None 2006 ACURA 3.2 TL liability_only The General 150.72 no no 0 0 0 2026-01-26 22:45:10
846 Alexis Karapiparis CO DENVER 80014 40 male single no None 2006 ACURA 3.2 TL liability_only The General 150.72 no no 0 0 0 2026-01-26 22:45:10
845 Ruby Finley 21453504 CO DENVER 80203 27 male single no Progressive unknown NatGen Value 155.20 yes no 0 0 4 2026-01-26 15:48:00
844 CO COMMERCE CITY 80022 40 male married no None 2022 RAM 1500 BIG HORN full_coverage NatGen Value Rstrc Cov DynamicDrive 1217.38 no no 0 0 0 2026-01-26 15:37:22
844 CO COMMERCE CITY 80022 40 male married no None 2022 RAM 1500 BIG HORN full_coverage NatGen Value Rstrc Cov DynamicDrive 1217.38 no no 0 0 0 2026-01-26 15:37:22
844 CO COMMERCE CITY 80022 40 male married no None 2019 NISSAN PATHFINDER SL full_coverage NatGen Value Rstrc Cov DynamicDrive 1217.38 no no 0 0 0 2026-01-26 15:37:22
844 CO COMMERCE CITY 80022 40 male married no None 2019 NISSAN PATHFINDER SL full_coverage NatGen Value Rstrc Cov DynamicDrive 1217.38 no no 0 0 0 2026-01-26 15:37:22
843 Alexis Karapiparis CO COLORADO SPRINGS 80911 64 female single yes PROGRESSIVE 2011 NISSAN VERSA S liability_only Bristol West 116.08 no no 0 0 0 2026-01-26 15:31:47
843 Alexis Karapiparis CO COLORADO SPRINGS 80911 64 female single yes PROGRESSIVE 2008 HONDA CIVIC LX liability_only Bristol West 116.08 no no 0 0 0 2026-01-26 15:31:47
839 CO DENVER 80222 35 male single yes BRISTOL WEST 2013 GMC YUKON DENALI full_coverage NatGen Value 247.91 yes no 0 0 1 2026-01-26 15:13:29
838 Crystal Farley 18863693 CO AURORA 80011 29 female single no None 2006 TOYOTA CAMRY LE liability_only Progressive 119.19 no no 0 0 0 2026-01-26 03:55:59
836 Crystal Farley 18863693 CO COLORADO SPRINGS 80925 18 male single no None 2016 RAM RAM TRUCK 2500 LARAM unknown Progressive 489.15 no no 0 0 3 2026-01-26 03:30:09
835 Crystal Farley 18863693 CO COLORADO SPRINGS 80910 27 male single no None 2016 CHRYSLER 200 unknown Progressive 91.84 no no 0 0 0 2026-01-26 03:14:27

Average Cost of Car Insurance in Denver, Colorado 2026

Denver pricing is often higher than many Colorado areas due to claim frequency, congestion, theft risk, and repair costs. Your insurance rates still vary by driver, vehicle, credit, ZIP code, coverage limits, deductible, and prior insurance history.

  • Full coverage: $2,500 – $3,600 per year (about $208–$300 per month)
  • Minimum liability only: $900 – $1,400 per year (about $75–$117 per month)

The chart below shows the typical price gap between full coverage and liability only based on current Denver-area quoting trends.

Full coverage vs liability only: typical monthly price gap (Denver vs Colorado)

Filters: Geo_mode city, State CO, City Denver

Source ... A Plus Insurance Quote Dataset

CityLiability only avg monthlyFull coverage avg monthlyDollar difference
DENVER$131.33$423.53$292.20

Last updated: 2026-01-27 00:00:45

Download CSV (evidence)

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)
Record ID Agent Agent NPN State City ZIP Age Sex Marital Status Currently Insured Prior Carrier Vehicle Year Vehicle Make Vehicle Model Coverage Package Carrier Quoted Monthly Premium SR22 Required DUI Flag DUI Count Accidents Count Violations Count Created At
863 Alexis Karapiparis CO DENVER 80216 52 male separated yes All Other Non Standard Comp 2011 NISSAN ROGUE KROM liability_only Progressive 92.56 no no 0 0 0 2026-01-26 23:31:58
862 Ruby Finley 21453504 CO DENVER 80202 29 male single yes USAA CASUALTY INS CO 2019 DODGE CHALLENGER SXT full_coverage Bristol West 528.04 no no 0 0 0 2026-01-26 23:29:44
862 Ruby Finley 21453504 CO DENVER 80202 29 male single yes USAA CASUALTY INS CO 2025 HYUNDAI KONA SEL full_coverage Bristol West 528.04 no no 0 0 0 2026-01-26 23:29:44
850 Crystal Farley 18863693 CO DENVER 80249 40 male single yes FARM AND CITY INS CO 2023 CHEVROLET SILVERADO C1500 LT full_coverage NatGen Value Rstrc Cov DynamicDrive 406.84 no no 0 0 1 2026-01-26 23:19:03
850 Crystal Farley 18863693 CO DENVER 80249 40 male single yes FARM AND CITY INS CO 2003 CHEVROLET CORVETTE full_coverage NatGen Value Rstrc Cov DynamicDrive 406.84 no no 0 0 1 2026-01-26 23:19:03
846 Alexis Karapiparis CO DENVER 80014 40 male single no None 2006 ACURA 3.2 TL liability_only The General 150.72 no no 0 0 0 2026-01-26 22:45:10
846 Alexis Karapiparis CO DENVER 80014 40 male single no None 2006 ACURA 3.2 TL liability_only The General 150.72 no no 0 0 0 2026-01-26 22:45:10
845 Ruby Finley 21453504 CO DENVER 80203 27 male single no Progressive unknown NatGen Value 155.20 yes no 0 0 4 2026-01-26 15:48:00
839 CO DENVER 80222 35 male single yes BRISTOL WEST 2013 GMC YUKON DENALI full_coverage NatGen Value 247.91 yes no 0 0 1 2026-01-26 15:13:29

Cheapest Auto Insurance Companies in Denver, Colorado 2026

If you are shopping liability only, full coverage, non owners, or need SR22 insurance after a DUI, focus on clean comparisons and policy choices (limits and deductible) rather than guessing a carrier.

Cheapest auto insurance companies

Filters: Filters: State CO

Source ... A Plus Insurance Quote Dataset

NatGen Value Rstrc Cov DynamicDrive
$947.20
Dairyland Auto
$410.08
Bristol West
$256.39
NatGen Value
$201.56
Progressive
$198.18
The General
$150.72
Progressive POP
$104.00

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)

This table lists underlying records used for the chart above.

record_idcall_idcall_datestatecityzipagesexmaritalcoveragecarriermonthly
864 20251219-163342-6431 2025-12-19 CO GRAND JUNCTION 81501 25 male married full_coverage Progressive POP 93.00
864 20251219-163342-6431 2025-12-19 CO GRAND JUNCTION 81501 25 male married full_coverage Progressive POP 93.00
863 20251202-163158-6630 2025-12-02 CO DENVER 80216 52 male separated liability_only Progressive 92.56
862 20251215-162944-4147 2025-12-15 CO DENVER 80202 29 male single full_coverage Bristol West 528.04
862 20251215-162944-4147 2025-12-15 CO DENVER 80202 29 male single full_coverage Bristol West 528.04
861 20260126-557-1036 2026-01-26 CO LONGMONT 80504 18 male single full_coverage Bristol West 268.92
860 20251212-162813-3656 2025-12-12 CO COLORADO SPRINGS 80910 25 female single full_coverage Bristol West 369.98
860 20251212-162813-3656 2025-12-12 CO COLORADO SPRINGS 80910 25 female single full_coverage Bristol West 369.98
860 20251212-162813-3656 2025-12-12 CO COLORADO SPRINGS 80910 25 female single full_coverage Bristol West 369.98
860 20251212-162813-3656 2025-12-12 CO COLORADO SPRINGS 80910 25 female single full_coverage Bristol West 369.98
859 20260126-1759-5539 2026-01-26 CO WOODLAND PARK 80863 60 female single full_coverage Progressive POP 126.00
858 20251205-162656-7441 2025-12-05 CO GREEN MOUNTAIN FALLS 80819 54 male married full_coverage Dairyland Auto 410.08
858 20251205-162656-7441 2025-12-05 CO GREEN MOUNTAIN FALLS 80819 54 male married full_coverage Dairyland Auto 410.08
858 20251205-162656-7441 2025-12-05 CO GREEN MOUNTAIN FALLS 80819 54 male married full_coverage Dairyland Auto 410.08
858 20251205-162656-7441 2025-12-05 CO GREEN MOUNTAIN FALLS 80819 54 male married full_coverage Dairyland Auto 410.08
857 20251219-162615-4839 2025-12-19 CO WRAY 80758 25 female married full_coverage Bristol West 169.00
857 20251219-162615-4839 2025-12-19 CO WRAY 80758 25 female married full_coverage Bristol West 169.00
856 20260126-608-8241 2026-01-26 CO Grand Junction 81503 21 female single liability_only Progressive 114.83
855 20251218-162404-9776 2025-12-18 CO PUEBLO 81008 61 female widowed liability_only Bristol West 87.32
855 20251218-162404-9776 2025-12-18 CO PUEBLO 81008 61 female widowed liability_only Bristol West 87.32
854 20251219-162328-3800 2025-12-19 CO CALHAN 80808 24 male single full_coverage Bristol West 226.08
853 20260126-610-7597 2026-01-26 CO LAKEWOOD 80227 48 male single full_coverage Bristol West 188.68
852 20260115-162139-2709 2026-01-15 CO COLORADO SPRINGS 80915 53 male single full_coverage Progressive 234.32
851 20260126-1812-0420 2026-01-26 CO CLIFTON 81520 28 male married full_coverage Progressive 262.99
851 20260126-1812-0420 2026-01-26 CO CLIFTON 81520 28 male married full_coverage Progressive 262.99
851 20260126-1812-0420 2026-01-26 CO CLIFTON 81520 28 male married full_coverage Progressive 262.99
851 20260126-1812-0420 2026-01-26 CO CLIFTON 81520 28 male married full_coverage Progressive 262.99
850 20260112-161903-7025 2026-01-12 CO DENVER 80249 40 male single full_coverage NatGen Value Rstrc Cov DynamicDrive 406.84
850 20260112-161903-7025 2026-01-12 CO DENVER 80249 40 male single full_coverage NatGen Value Rstrc Cov DynamicDrive 406.84
849 20260126-613-1505 2026-01-26 CO COLORADO SPRINGS 80909 47 male single full_coverage Progressive 128.83
848 20260126-1814-3581 2026-01-26 CO GREELEY 80634 21 male single liability_only Bristol West 137.81
847 20260126-1743-9773 2026-01-26 CO PUEBLO 81001 18 male single liability_only Progressive 126.80
847 20260126-1743-9773 2026-01-26 CO PUEBLO 81001 18 male single liability_only Progressive 126.80
846 20251217-154510-4401 2025-12-17 CO DENVER 80014 40 male single liability_only The General 150.72
846 20251217-154510-4401 2025-12-17 CO DENVER 80014 40 male single liability_only The General 150.72
845 20260116-084800-9110 2026-01-16 CO DENVER 80203 27 male single unknown NatGen Value 155.20
844 20251122-083722-0260 2025-11-22 CO COMMERCE CITY 80022 40 male married full_coverage NatGen Value Rstrc Cov DynamicDrive 1,217.38
844 20251122-083722-0260 2025-11-22 CO COMMERCE CITY 80022 40 male married full_coverage NatGen Value Rstrc Cov DynamicDrive 1,217.38
844 20251122-083722-0260 2025-11-22 CO COMMERCE CITY 80022 40 male married full_coverage NatGen Value Rstrc Cov DynamicDrive 1,217.38
844 20251122-083722-0260 2025-11-22 CO COMMERCE CITY 80022 40 male married full_coverage NatGen Value Rstrc Cov DynamicDrive 1,217.38
843 20251215-083147-4792 2025-12-15 CO COLORADO SPRINGS 80911 64 female single liability_only Bristol West 116.08
843 20251215-083147-4792 2025-12-15 CO COLORADO SPRINGS 80911 64 female single liability_only Bristol West 116.08
839 20260126-1012-7685 2026-01-26 CO DENVER 80222 35 male single full_coverage NatGen Value 247.91
838 20260125-1039-9037 2026-01-25 CO AURORA 80011 29 female single liability_only Progressive 119.19
836 20260125-1812-5922 2026-01-25 CO COLORADO SPRINGS 80925 18 male single unknown Progressive 489.15
835 20260125-1446-1283 2026-01-25 CO COLORADO SPRINGS 80910 27 male single unknown Progressive 91.84

Why Denver Insurance Rates Move So Much

ZIP code and loss trends

Denver ZIP code pricing can shift rates due to claim frequency, theft patterns, and repair costs.

Weather risk and comprehensive

Colorado hail losses can influence premiums. Comprehensive and collision choices often explain big parts of the full coverage premium.

Credit, lapse, and prior insurance

Credit and prior insurance history can affect pricing. A lapse can raise the premium even without a new violation.

Driver record and filings

Violations, accidents, DUI, and SR22 insurance requirements can change which company is cheapest and how the policy is structured.

Speeding and violations impact

Filters: Geo_mode state, State CO

Source ... A Plus Insurance Quote Dataset

Liability only

Filters: Geo_mode state, State CO, Coverage liability_only

State0 ticketsSpeeding or violationsDollar difference
CO$118.85

Last updated: 2026-01-27 00:00:45

Download CSV (evidence)

Full coverage

Filters: Geo_mode state, State CO, Coverage full_coverage

State0 ticketsSpeeding or violationsDollar difference
CO$440.64$279.92$-160.72

Last updated: 2026-01-27 00:00:45

Download CSV (evidence)

Source: A Plus Insurance analysis of first party insurance quotes collected by licensed agents across multiple U.S. states. Data reflects real consumer quote activity and pricing for auto insurance, home insurance, and related policies, not advertised rates or national averages.

Evidence (records used)
Record ID Agent Agent NPN State City ZIP Age Sex Marital Status Currently Insured Prior Carrier Vehicle Year Vehicle Make Vehicle Model Coverage Package Carrier Quoted Monthly Premium SR22 Required DUI Flag DUI Count Accidents Count Violations Count Created At
864 Ruby Finley 21453504 CO GRAND JUNCTION 81501 25 male married yes All Other Standard Companie 2014 HONDA ACCORD SPORT full_coverage Progressive POP 93.00 no no 0 0 0 2026-01-26 23:33:42
864 Ruby Finley 21453504 CO GRAND JUNCTION 81501 25 male married yes All Other Standard Companie 2014 HONDA ACCORD SPORT full_coverage Progressive POP 93.00 no no 0 0 0 2026-01-26 23:33:42
863 Alexis Karapiparis CO DENVER 80216 52 male separated yes All Other Non Standard Comp 2011 NISSAN ROGUE KROM liability_only Progressive 92.56 no no 0 0 0 2026-01-26 23:31:58
862 Ruby Finley 21453504 CO DENVER 80202 29 male single yes USAA CASUALTY INS CO 2019 DODGE CHALLENGER SXT full_coverage Bristol West 528.04 no no 0 0 0 2026-01-26 23:29:44
862 Ruby Finley 21453504 CO DENVER 80202 29 male single yes USAA CASUALTY INS CO 2025 HYUNDAI KONA SEL full_coverage Bristol West 528.04 no no 0 0 0 2026-01-26 23:29:44
861 Ruby Finley 21453504 CO LONGMONT 80504 18 male single yes All Other Standard Companie 2010 SUBARU OUTBACK 2.5I PREMIUM full_coverage Bristol West 268.92 no no 0 0 0 2026-01-26 23:29:04
860 Alexis Karapiparis CO COLORADO SPRINGS 80910 25 female single yes All Other Standard Companies 2018 NISSAN ALTIMA 2.5 full_coverage Bristol West 369.98 no no 0 0 0 2026-01-26 23:28:13
860 Alexis Karapiparis CO COLORADO SPRINGS 80910 25 female single yes All Other Standard Companies 2018 NISSAN ALTIMA 2.5 full_coverage Bristol West 369.98 no no 0 0 0 2026-01-26 23:28:13
860 Alexis Karapiparis CO COLORADO SPRINGS 80910 25 female single yes All Other Standard Companies 2014 RAM RAM TRUCK 2500 LARAM full_coverage Bristol West 369.98 no no 0 0 0 2026-01-26 23:28:13
860 Alexis Karapiparis CO COLORADO SPRINGS 80910 25 female single yes All Other Standard Companies 2014 RAM RAM TRUCK 2500 LARAM full_coverage Bristol West 369.98 no no 0 0 0 2026-01-26 23:28:13
859 Crystal Farley 18863693 CO WOODLAND PARK 80863 60 female single yes All Other Standard Companies 2024 TOYOTA RAV4 PRIME XSE full_coverage Progressive POP 126.00 no no 0 0 0 2026-01-26 23:27:33
858 Ruby Finley 21453504 CO GREEN MOUNTAIN FALLS 80819 54 male married yes Bristol West 2018 GMC SIERRA K3500 DENALI full_coverage Dairyland Auto 410.08 no no 0 0 0 2026-01-26 23:26:56
858 Ruby Finley 21453504 CO GREEN MOUNTAIN FALLS 80819 54 male married yes Bristol West 2018 GMC SIERRA K3500 DENALI full_coverage Dairyland Auto 410.08 no no 0 0 0 2026-01-26 23:26:56
858 Ruby Finley 21453504 CO GREEN MOUNTAIN FALLS 80819 54 male married yes Bristol West 2019 JEEP WRANGLER UNLMTED RUB full_coverage Dairyland Auto 410.08 no no 0 0 0 2026-01-26 23:26:56
858 Ruby Finley 21453504 CO GREEN MOUNTAIN FALLS 80819 54 male married yes Bristol West 2019 JEEP WRANGLER UNLMTED RUB full_coverage Dairyland Auto 410.08 no no 0 0 0 2026-01-26 23:26:56
857 Ashley Ledbetter 20013497 CO WRAY 80758 25 female married no Bristol West 2011 FORD TAURUS LIMITED full_coverage Bristol West 169.00 no no 0 0 1 2026-01-26 23:26:15
857 Ashley Ledbetter 20013497 CO WRAY 80758 25 female married no Bristol West 2011 FORD TAURUS LIMITED full_coverage Bristol West 169.00 no no 0 0 1 2026-01-26 23:26:15
856 Alexis Karapiparis CO Grand Junction 81503 21 female single no Progressive 2007 HYUNDAI SONATA LIMITED liability_only Progressive 114.83 no no 0 0 0 2026-01-26 23:25:01
855 Alexis Karapiparis CO PUEBLO 81008 61 female widowed no Bristol West 2010 GMC YUKON DENALI liability_only Bristol West 87.32 no no 0 0 0 2026-01-26 23:24:04
855 Alexis Karapiparis CO PUEBLO 81008 61 female widowed no Bristol West 2016 FORD F250 SUPER DUTY liability_only Bristol West 87.32 no no 0 0 0 2026-01-26 23:24:04
854 Lauren McKenzie 19081764 CO CALHAN 80808 24 male single no Bristol West 2018 GMC CANYON full_coverage Bristol West 226.08 no no 0 0 0 2026-01-26 23:23:28
853 Ashley Ledbetter 20013497 CO LAKEWOOD 80227 48 male single yes MENDOTA INS CO 2011 GMC SIERRA C1500 full_coverage Bristol West 188.68 no no 0 0 0 2026-01-26 23:22:18
852 Crystal Farley 18863693 CO COLORADO SPRINGS 80915 53 male single no None 2016 KIA SORENTO LX full_coverage Progressive 234.32 no no 0 0 0 2026-01-26 23:21:39
851 Ruby Finley 21453504 CO CLIFTON 81520 28 male married yes All Other Standard Companie 2020 DODGE CHARGER SXT full_coverage Progressive 262.99 no no 0 0 0 2026-01-26 23:19:50
851 Ruby Finley 21453504 CO CLIFTON 81520 28 male married yes All Other Standard Companie 2020 DODGE CHARGER SXT full_coverage Progressive 262.99 no no 0 0 0 2026-01-26 23:19:50
851 Ruby Finley 21453504 CO CLIFTON 81520 28 male married yes All Other Standard Companie 2005 DODGE RAM 3500 SLT full_coverage Progressive 262.99 no no 0 0 0 2026-01-26 23:19:50
851 Ruby Finley 21453504 CO CLIFTON 81520 28 male married yes All Other Standard Companie 2005 DODGE RAM 3500 SLT full_coverage Progressive 262.99 no no 0 0 0 2026-01-26 23:19:50
850 Crystal Farley 18863693 CO DENVER 80249 40 male single yes FARM AND CITY INS CO 2023 CHEVROLET SILVERADO C1500 LT full_coverage NatGen Value Rstrc Cov DynamicDrive 406.84 no no 0 0 1 2026-01-26 23:19:03
850 Crystal Farley 18863693 CO DENVER 80249 40 male single yes FARM AND CITY INS CO 2003 CHEVROLET CORVETTE full_coverage NatGen Value Rstrc Cov DynamicDrive 406.84 no no 0 0 1 2026-01-26 23:19:03
849 Ruby Finley 21453504 CO COLORADO SPRINGS 80909 47 male single no Bristol West 2019 SUBARU OUTBACK 2.5I LIMITED full_coverage Progressive 128.83 no no 0 0 0 2026-01-26 23:18:23
848 Crystal Farley 18863693 CO GREELEY 80634 21 male single yes All Other Standard Companie 2005 NISSAN ALTIMA S liability_only Bristol West 137.81 no no 0 0 0 2026-01-26 23:17:48
847 Ashley Ledbetter 20013497 CO PUEBLO 81001 18 male single no The General 2008 CHEVROLET HHR LS liability_only Progressive 126.80 no no 0 0 0 2026-01-26 22:46:02
847 Ashley Ledbetter 20013497 CO PUEBLO 81001 18 male single no The General 2008 CHEVROLET HHR LS liability_only Progressive 126.80 no no 0 0 0 2026-01-26 22:46:02
846 Alexis Karapiparis CO DENVER 80014 40 male single no None 2006 ACURA 3.2 TL liability_only The General 150.72 no no 0 0 0 2026-01-26 22:45:10
846 Alexis Karapiparis CO DENVER 80014 40 male single no None 2006 ACURA 3.2 TL liability_only The General 150.72 no no 0 0 0 2026-01-26 22:45:10
845 Ruby Finley 21453504 CO DENVER 80203 27 male single no Progressive unknown NatGen Value 155.20 yes no 0 0 4 2026-01-26 15:48:00
844 CO COMMERCE CITY 80022 40 male married no None 2022 RAM 1500 BIG HORN full_coverage NatGen Value Rstrc Cov DynamicDrive 1217.38 no no 0 0 0 2026-01-26 15:37:22
844 CO COMMERCE CITY 80022 40 male married no None 2022 RAM 1500 BIG HORN full_coverage NatGen Value Rstrc Cov DynamicDrive 1217.38 no no 0 0 0 2026-01-26 15:37:22
844 CO COMMERCE CITY 80022 40 male married no None 2019 NISSAN PATHFINDER SL full_coverage NatGen Value Rstrc Cov DynamicDrive 1217.38 no no 0 0 0 2026-01-26 15:37:22
844 CO COMMERCE CITY 80022 40 male married no None 2019 NISSAN PATHFINDER SL full_coverage NatGen Value Rstrc Cov DynamicDrive 1217.38 no no 0 0 0 2026-01-26 15:37:22
843 Alexis Karapiparis CO COLORADO SPRINGS 80911 64 female single yes PROGRESSIVE 2011 NISSAN VERSA S liability_only Bristol West 116.08 no no 0 0 0 2026-01-26 15:31:47
843 Alexis Karapiparis CO COLORADO SPRINGS 80911 64 female single yes PROGRESSIVE 2008 HONDA CIVIC LX liability_only Bristol West 116.08 no no 0 0 0 2026-01-26 15:31:47
839 CO DENVER 80222 35 male single yes BRISTOL WEST 2013 GMC YUKON DENALI full_coverage NatGen Value 247.91 yes no 0 0 1 2026-01-26 15:13:29
838 Crystal Farley 18863693 CO AURORA 80011 29 female single no None 2006 TOYOTA CAMRY LE liability_only Progressive 119.19 no no 0 0 0 2026-01-26 03:55:59
836 Crystal Farley 18863693 CO COLORADO SPRINGS 80925 18 male single no None 2016 RAM RAM TRUCK 2500 LARAM unknown Progressive 489.15 no no 0 0 3 2026-01-26 03:30:09
835 Crystal Farley 18863693 CO COLORADO SPRINGS 80910 27 male single no None 2016 CHRYSLER 200 unknown Progressive 91.84 no no 0 0 0 2026-01-26 03:14:27

How Denver Drivers Lower Their Monthly Premium

If you want cheaper rates, the most reliable approach is comparing and then adjusting policy structure. This is where a broker comparison often beats going direct to one company.

  • Compare insurance companies using the same coverage limits and deductible
  • Ask about discounts, including multi policy and telematics programs like snapshot
  • Review liability limits and uninsured motorist options for realistic risk
  • Set a deductible that matches what you can pay without stress
  • Re-shop after changes like a new vehicle, address, or improved credit

For some drivers, the cheapest plan is liability only. For others, the best value is full coverage with a balanced deductible. The charts above show the price gap so decisions feel grounded.

Frequently Asked Questions

Get a quote for Denver car insurance

Compare policies across insurance companies for Denver, Colorado in 2026. Review liability insurance vs full coverage, see pricing from our charts, and pick the option that fits your monthly budget and deductible comfort level.

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Last Updated on by Brian Muse

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  4. SR22 Insurance Denver: Cheapest Rates
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