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:

• Bodily injury liability $25,000 per person and $50,000 per accident.
• Property damage liability covers $15,000 per accident.

These are the cheapest insurance rates for minimum coverage in Denver, based on quotes from Jerry customers.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, 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.

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.

Cheapest car insurance for mature drivers in Denver (30-54 years old)

Cheapest car insurance for older drivers (55+ years old)

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.

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.

Cheapest car insurance for drivers with at-fault accidents in Denver

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.

Cheapest car insurance for drivers with DUIs in Denver

Methodology

Data included in this analysis comes from policies that Jerry has quoted on or after Jan. 1, 2024. Jerry services 48 states and offers a range of insurance companies to choose from.