Updated: October 16, 2024
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The best car insurance provider depends on your driver profile and needs. In Denver, American National P&C is the best insurer overall and for cheap policies, young adults, seniors and drivers with offenses. Acuity is our top-rated provider for customer service. Meanwhile, Auto-Owners Insurance Co is our pick for teens, while Allstate is best for new car owners.
To help you lower your rates, MoneyGeek also analyzed the cheapest car insurance providers in Denver.
BestCar InsuranceDenverTable of Contents (Jump to Your Best Fit)
Why Trust MoneyGeek? To help you choose the right car insurance provider in Denver, we evaluated and ranked the top companies in the city based on their financial stability, affordability, coverage options and claims management. Our rankings are based on data from the Colorado Division of Insurance, Quadrant Information Services and our own scoring system.
The following companies are the best auto insurance providers in Denver:
Thanks to its low rates and excellent service, American National P&C stands out as the best provider in the city. It offers these two important benefits without sacrificing one for the other. American National P&C is also the best auto insurance company in Colorado, indicating the company’s performance is consistent across the city and state.
For military-affiliated drivers, USAA is also a highly rated insurer in Denver, earning a MoneyGeek score of 78 out of 100.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the overall best car insurance was calculated with the following weights:
Provides low-cost premiums
Excellent customer service
Offers spare parts and gap insurance coverages
Poor claims handling score
Offers few discounts
American National P&C is MoneyGeek’s best overall auto insurance provider in Denver, thanks to its combination of affordable rates and excellent customer service. However, the insurer offers only five optional add-ons and three discounts.
American National P&C offers optional gap insurance, which pays the difference between the amount you owe on your car loan or lease and the actual cash value of your car if it is declared a total loss. The insurer offers spare parts coverage, a rare add-on that covers damage to any spare parts you carry in your vehicle during a covered incident, up to $1,000. Lastly, American National P&C offers roadside assistance coverage as a rider. It provides 24-hour assistance while you're on the road.
After assessing 13 insurance providers in Denver, American National P&C emerges as the leader due to its low annual premium of $606 and exceptional customer service. It's the city’s best overall choice for car insurance. However, American National P&C only offers three coverage options, less than its competitors. American Family, in particular, offers more add-ons.
It's worth noting that the premium rates mentioned above are for a full coverage policy. For a company to qualify for a MoneyGeek score, we must find enough data to meet all our individual scoring components.
| American National P&C | 83 | $606 | 5 | 2 | 4 | 3 |
| GEICO | 69 | $787 | 4 | 2 | 3 | 5 |
| Colorado Farm Bureau | No Data | $915 | 5 | No Data | 3 | 2 |
| Auto-Owners Insurance Co | 64 | $1,133 | 4 | 3 | 4 | 5 |
| Acuity | 64 | $1,420 | 5 | 4 | 4 | 4 |
| State Farm | 61 | $1,051 | 4 | 2 | 3 | 5 |
| American Family | 60 | $1,220 | 4 | 3 | 5 | 3 |
| Progressive | 60 | $1,055 | 3 | 2 | 4 | 4 |
| Allstate | 54 | $1,152 | 3 | 2 | 4 | 4 |
| Nationwide | 53 | $1,203 | 3 | 2 | 4 | 4 |
| Kemper | 27 | $1,332 | 1 | 2 | 1 | 2 |
| Farmers Union Insurance | No Data | $1,459 | 5 | No Data | 0 | No Data |
| Farmers | 42 | $1,519 | 3 | 2 | 4 | 3 |
For drivers who value customer service (regardless of price), the best auto insurance companies in Denver are:
Acuity stands out among its competitors for its exceptional customer service and comprehensive coverage options. However, it’s one of the city’s costlier options, meaning customers pay a premium for top-notch service.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Customer Service was calculated with the following weights:
Excellent customer service
Various coverage options
Offers personal auto enhancements bundle
Doesn’t offer OEM coverage
If you prioritize customer service in your search for a car insurance provider in Denver, MoneyGeek recommends Acuity. Along with providing excellent customer service, Acuity offers several useful riders that enhance your protection.
Notably, Acuity offers a personal auto enhancement rider. It’s a bundle of various coverages, including key and lock replacement, personal property replacement, travel expense reimbursement, pet injury coverage, airbag replacement and accidental death and total disability benefits in certain states. You won’t find such a comprehensive offer from most companies, which only underscores Acuity’s commitment to customer service.
Roadside assistance coverage is another useful add-on from Acuity. It provides emergency roadside assistance services, including towing and labor, if your vehicle breaks down or you experience other car-related issues while on the road.
Dealing with a company that effectively manages claims and addresses policyholders' concerns promptly is generally less stressful. Acuity is our top choice in this category due to its exceptional customer service, coverage options and efficient claims management. You can trust that your experience with this provider will be positive.
Based on an analysis of affordability and service quality for car policies that meet Colorado's minimum coverage requirements, the top providers in Denver are:
A minimum coverage policy may not provide sufficient protection despite being the cheapest option. A liability-only policy won't cover damages to your car and has a low limit, potentially leaving you to pay for repairs out of pocket in case of an accident.
The minimum car insurance requirements in Denver are mandatory throughout the state.
How was this MoneyGeek score calculated?
MoneyGeek’s score for the Best Cheap company was calculated with the following weights:
An affordable minimum coverage policy costs $250 per year.
Discounts for bundling, insuring multiple cars and early signing
Outstanding customer service
No good student or safe driving discounts
Lackluster claims management
MoneyGeek selected American National P&C as Denver’s best cheap car insurance, with an average cost of $250 per year. Despite having low rates, the company is known for providing exceptional customer service and maintaining a high level of service quality.
Although American National P&C provides discounts that can reduce your insurance costs, options are fewer compared to other providers. However, you can take advantage of its early signing discount if you purchase a policy before your current one expires. You can also save money by insuring multiple vehicles or bundling your car insurance with other American National P&C products.
It's worth noting that the company does not offer some common discounts like safe driving, good student, airbag, defensive driving and driver's education.
When selecting a minimum coverage policy, it’s a good idea to find a provider that offers both affordability and service quality. Many companies provide low rates at the expense of good service.
Fortunately, American National P&C provides the best of both worlds with low rates and top-notch service. Despite being the cheapest auto insurer in Denver, American National P&C also has one of the highest customer service scores in the city.
The following companies offer the best car insurance for young adults in Denver:
American National P&C is notable for offering low rates and excellent customer satisfaction. It’s a great choice for young adults in Denver, who often face higher insurance premiums than older drivers. With American National P&C, young drivers can get affordable coverage without sacrificing quality service.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Young Adults was calculated with the following weights:
Offers the cheapest premiums in the city at $756 per year
Outstanding customer service
Poor claims management
Doesn’t have student-related discounts
According to MoneyGeek’s research, American National P&C is the top car insurance provider for young adults in Denver. At approximately $756 per year, it offers the most affordable premiums in the city while still providing exceptional customer service.
However, American National P&C falls short in terms of common discounts that young adults often qualify for. For example, it doesn't provide good student and distant student discounts, which other insurers often offer.
American National P&C does offer a variety of add-on coverages that can expand your protection. One of these unique add-ons is spare parts coverage, which pays for damage to your car's spare parts up to $1,000 in a covered incident. Another coverage option is gap insurance, which pays the difference between the amount you owe on your car loan or lease and the actual cash value of your car in the event of a total loss.
A good car insurance provider for young adults offers affordable rates, relevant coverages and discounts and excellent customer service. These factors are crucial because young adults often deal with higher rates and may be prone to accidents due to their inexperience.
American National P&C is our top pick for young adults in Denver, thanks to its low rates and high customer satisfaction ratings.
If you’re adding a teen to your family auto policy in Denver, the following companies provide the best car insurance options for teens:
Auto-Owners Insurance Co is our top pick because it offers affordable rates and several add-on coverages. These are particularly helpful for young drivers, who generally pay higher premiums and have a greater risk of accidents.
One way to save on car insurance for your teen is to add them to a family plan instead of getting a separate policy, saving you an average of $3,923 per year in Denver.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Teens was calculated with the following weights:
Has the most affordable premiums at $3,669 per year
Provides discounts for good and distant students
Offers a variety of add-on coverages
Subpar claims management
MoneyGeek recommends Auto-Owners Insurance Co as the best insurance provider for teens in Denver due to its cost-effective rates and wide range of coverage options. While the company has one of the lowest rates in the city, it provides an extensive selection of optional coverage add-ons.
Moreover, Auto-Owners Insurance Co offers various discounts to teen drivers, such as its good student discount of up to 20% for those who maintain a GPA of “B” or higher. It also offers a discount to students studying more than 100 miles away from home without a car on campus.
This provider has a wide selection of optional add-on coverages. You can purchase roadside assistance coverage, which covers expenses related to unexpected vehicle breakdowns or incidents while driving, such as flat tires, dead batteries or running out of gas.
If you’re a parent looking for car insurance for your teen driver, we recommend finding providers that offer affordable rates, excellent customer service and specific discounts and coverages for teenagers. These factors are crucial since younger drivers are typically expensive to insure and tend to have more accidents.
In Denver, Auto-Owners Insurance Co is the best choice for insuring teen drivers, outperforming competitors across various factors.
The following companies are the best auto insurance providers for seniors in Denver:
American National P&C is our top pick for Denver senior drivers due to its excellent affordability and customer satisfaction ratings.
Although car insurance rates for drivers in their 60s are similar to those in their 30s through 50s, rates may start to increase for those in their 70s. However, you can find affordable car insurance for seniors in Denver by exploring different providers.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Seniors was calculated with the following weights:
The cheapest premiums in the city at $607 per year
Stellar customer service
Automatically includes rental car reimbursement coverage
Below-average claims management score
American National P&C is the best car insurance provider for seniors in Denver. Older adults can benefit from its low rates and quality service, making it a standout choice in the city. American National P&C also provides various add-on coverages to enhance your protection as a senior driver in Denver.
With a comprehensive policy, you'll get rental car reimbursement coverage at no extra cost, which covers the cost of a rental car while your car is being repaired after a covered accident. Additionally, you can opt for roadside assistance coverage, which offers 24/7 support while traveling.
American National P&C offers several discounts that can benefit seniors, including discounts for bundling home and auto policies, insuring multiple cars and applying for a policy before the current one expires.
Seniors should consider car insurance policies that provide personal injury protection (PIP) or medical payments coverage. These coverages can help you in case of an accident, which is especially important as older adults are more vulnerable to serious injuries. Additionally, you can take advantage of senior-specific discounts that can help you save on your premiums.
Based on our analysis, American National P&C is the best provider in the city for older drivers.
The best car insurance providers for drivers with violations in Denver are:
American National P&C is the best choice for car insurance after a driving violation, thanks to its affordability and quality service.
The seriousness of your violation will impact your insurance rates. DUI offenses, for instance, are much costlier than speeding tickets. For example, Denver drivers with clean records pay an average of $1,142 per year for car insurance. The average rate jumps to $1,500 per year after a speeding ticket and $1,906 per year after a DUI.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for Drivers With Offenses was calculated with the following weights:
The city’s cheapest provider at $918 per year
Offers roadside assistance as a rider
Cost-free rental car reimbursement
Exceptional customer service
Lackluster claims management
No accident forgiveness coverage
Doesn’t offer new/better car replacement coverage
American National P&C is the top car insurance provider in Denver for drivers with a bad record. Affordable premiums at $918 per year, coupled with exceptional customer service, make it a standout choice.
American National P&C offers various coverages useful to drivers with offenses. For example, the company’s comprehensive policies automatically include rental car reimbursement coverage, which helps cover the cost of a rental car while your vehicle is being repaired after a covered accident. American National P&C also provides the option to add roadside assistance coverage to your policy, offering 24-hour assistance when you are on the road.
The company also offers gap insurance, which covers the difference between the amount you owe on your car loan or lease and the actual cash value of your vehicle if it is declared a total loss.
Drivers with poor driving records should seek out providers that offer affordable rates and discounts, especially since insurance costs are typically higher for those with a history of accidents or violations.
American National P&C is our pick in this category due to its cheap premiums and exceptional customer service.
The following are the best insurance companies for new car owners in Denver:
We evaluated providers based on their quality of service and pricing for drivers with a 2022 model car. We only included companies offering new or better car replacement coverage, which pays for a brand-new car of the same make and model if your vehicle is totaled in a covered accident.
Based on our analysis, Allstate is the top option for new car owners, offering low premiums and extensive add-on coverages.
How was this MoneyGeek score calculated?
MoneyGeek’s score for Best for New Cars was calculated based on insurers offering new or better car replacement coverage and the following weights:
Has affordable premiums at around $1,586 per year
Offers new car replacement coverage
Has various add-on coverage options
Lacks OEM coverage
According to MoneyGeek's analysis, Allstate is the top choice for new car owners in Denver. With affordable premiums and comprehensive add-on coverages, it provides excellent protection for your investment.
Additionally, Allstate offers new car replacement coverage as an add-on. This rider will replace your car with a brand new model if it is totaled in an accident within two years of its model year instead of providing a check for the depreciated value. This coverage offers new car owners a higher level of financial protection.
You can also get portable electronics and media coverage from Allstate, an optional coverage that protects against the loss of CDs, tapes and similar items used with a car's sound system. The coverage applies to the insured’s or a relative's property inside the vehicle during the time of loss and requires comprehensive coverage.
When shopping for car insurance for a new car, choosing a provider offering new or better car replacement coverage is important. This coverage can help you save money if your vehicle is damaged in an accident.
Allstate is the best choice in Denver because it is affordable and provides useful coverage options. Kemper may have slightly cheaper rates, but Allstate is the better choice overall.
When searching for the best auto insurance provider in Denver, consider factors like cost, customer satisfaction, claims processing and financial stability. While our rankings can offer valuable insight, conducting your own research is always a wise move.
Here are some steps you can follow to get started:
MoneyGeek's scoring system utilizes J.D. Power and NAIC complaint ratio data to rank providers based on customer satisfaction. We've done most of the work, but you can double-check our results by examining these sources. The Colorado Division of Insurance is a trustworthy source if you need additional insurance information.
We recommend getting quotes from at least three different auto insurance providers to get a general idea of how much you'll pay for car insurance. Please note that the average premiums presented by MoneyGeek are for a sample driver, and your rates may vary depending on your age, location and driving history.
When shopping for car insurance, remember that coverage and discount availability can vary depending on your location. To ensure you're getting the right policy at the right price, take the time to research the coverage options and discounts available in your area. You can do this by checking the insurer's local webpage or contacting them directly for more information.
Checking the financial strength ratings of the auto insurance companies you’re considering. Financial strength is a measure of a company's ability to pay claims in any economic environment. Typically, larger insurers are more financially sound, while smaller regional companies may struggle to settle claims.
The top car insurance company for you in Denver will vary depending on your driver profile and individual needs. Our answers to commonly asked questions can help you make a wise decision.
American National P&C tops our list of car insurance providers in Denver with a MoneyGeek score of 83 out of 100. Its excellent customer service and affordable premiums at $606 per year make it a great option for most drivers. It’s also our pick for drivers looking for cheap policies, young adults, seniors and motorists with offenses.
American National P&C stands out as the best cheap car insurance company in Denver, offering minimum coverage policies at approximately $250 per year. Due to its affordability and customer service, it has a MoneyGeek score of 83 out of 100. American National P&C is also our preferred insurer overall and for young adults, seniors and drivers with offenses.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.
