Car Insurance in Denver, CO (2025 Rates + Cheapest)

How much does insurance cost in the Mile High City? We break down average auto insurance rates and reveal the cars, trucks, and SUVs with the cheapest car insurance in Denver, CO.

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  • Denver car insurance cost averages $2,782 per year, or around $232 per month, for a full-coverage policy.
  • Denver auto insurance costs $180 per year more than the Colorado state average and $561 per year more than the United States national average.
  • Car insurance rates for a few popular vehicles in Denver include the Honda CR-V at $198 per month, Subaru Outback at $197, and Nissan Rogue at $208.
  • For cheap car insurance in Denver, small SUV models like the Subaru Crosstrek, Chevrolet Trailblazer, and Mazda CX-5 rank very well for overall cost.

How much does car insurance cost in Denver?

In Denver, average auto insurance cost is $2,782 per year, which is 22.4% more than the national average rate of $2,221. Per month, Denver drivers can expect to pay an average of $232 for a full coverage policy.

In the state of Colorado, the average car insurance expense is $2,602 per year, so the average cost in Denver is $180 more per year. When compared to other larger cities in Colorado, the cost to insure a car in Denver is approximately $44 per year more than in Colorado Springs, $54 per year less than in Lakewood, and $400 per year more than in Fort Collins.

Driver age has a significant impact the price of auto insurance. The list below details how age impacts cost by showing the difference in average car insurance rates in Denver for driver ages 16 through 60.

Average car insurance cost for Denver drivers age 16 to 60

  • 16 year old – $9,903 per year or $825 per month
  • 17 year old – $9,593 per year or $799 per month
  • 18 year old – $8,598 per year or $717 per month
  • 19 year old – $7,830 per year or $653 per month
  • 20 year old – $5,594 per year or $466 per month
  • 30 year old – $2,966 per year or $247 per month
  • 40 year old – $2,782 per year or $232 per month
  • 50 year old – $2,466 per year or $206 per month
  • 60 year old – $2,306 per year or $192 per month

The next chart summarizes average auto insurance cost in Denver broken out based on a variety of different driver ages, deductibles, and risk profiles. Rates are averaged for all 2024 vehicle models including luxury brands.

Average car insurance rates in Denver for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Denver for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Denver includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Denver, CO
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,394$533
Safe Driver Age 20$5,594$466
At-fault Accidents Age 40$3,938$328
Low Deductibles Age 40$3,638$303
Safe Driver Age 30$2,966$247
Safe Driver Age 40$2,782$232
Safe Driver Age 50$2,466$206
High Deductibles Age 40$2,340$195
Discount Rate Age 40$2,310$193
Safe Driver Age 60$2,306$192

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 26, 2025

In the chart above, the cost of car insurance in Denver ranges from $2,310 per year for a 40-year-old driver who qualifies for most policy discounts to $6,394 per year for a 30-year-old driver who is required to buy high-risk auto insurance. When those numbers are converted to a monthly rate, the average cost in the chart above ranges from $193 to $533 per month.

The car insurance costs referenced previously are an average for all 2024 vehicle models, which is practical when making generalized comparisons such as the average cost difference between two Colorado cities. Average auto insurance rates are terrific when answering questions like “is car insurance in Denver cheaper than Aurora?” or “are car insurance rates in Colorado cheaper than in Florida?”.

For more accurate rate comparisons, however, the data will be more accurate if we perform a rate analysis for the specific model of vehicle being insured. Every vehicle has different risk exposures for calculating the cost of auto insurance and this data enables insurance cost projections and comparisons.

The following chart displays average car insurance cost for popular cars, trucks, and SUVs that you will find in Denver. Towards the end of this article, we explore additional situations that affect the cost of insuring some of these models even more in-depth.

Average cost to insure popular 2024 model year vehicles in Denver.
Figure 2: Average cost to insure popular 2024 model year vehicles in Denver. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Denver Zip Codes.

Denver Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Subaru Crosstrek$2,052$171
Honda CR-V$2,370$198
Honda HR-V$2,418$202
Subaru Forester$2,472$206
Nissan Rogue$2,498$208
Toyota RAV4$2,566$214
Ford Ranger$2,656$221
Honda Pilot$2,706$226
Toyota Corolla$2,708$226
Jeep Grand Cherokee$2,778$232
Toyota 4Runner$2,980$248
Toyota Camry$2,986$249
Ford Mustang$3,056$255
GMC Sierra$3,070$256
Chevrolet Silverado$3,074$256
Ford Bronco$3,084$257
Ford F150$3,110$259
Jeep Wrangler$3,174$265
Ram Truck$3,216$268

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Denver, CO Zip Codes. Updated June 27, 2025

In Denver, which vehicles are cheapest to insure?

The models with the most affordable insurance quotes in Denver tend to be crossovers and small SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Toyota Corolla Cross, and Buick Envision.

Average insurance rates for those compact SUVs cost $2,258 or less per year, or $188 per month, for full coverage car insurance.

A few other vehicles that rank well in our insurance cost comparison are the Acura RDX, Volkswagen Taos, Honda CR-V, and Buick Envista. Rates are a few dollars per month higher for those models than the cheapest crossovers and compact SUVs at the top of the rankings, but they still have an average cost of $202 or less per month.

The table below details the top 30 cheapest vehicles to insure in Denver, ordered by cost.

Cheapest Auto Insurance Rates in Denver
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,052$171
2Chevrolet Trailblazer$2,088$174
3Kia Soul$2,170$181
4Nissan Kicks$2,190$183
5Honda Passport$2,216$185
6Buick Envision$2,228$186
7Toyota Corolla Cross$2,240$187
8Hyundai Venue$2,258$188
9Mazda CX-5$2,268$189
10Ford Bronco Sport$2,276$190
11Volkswagen Tiguan$2,300$192
12Acura RDX$2,324$194
13Nissan Murano$2,336$195
14Buick Encore$2,360$197
15Subaru Outback$2,368$197
16Honda CR-V$2,370$198
17Buick Envista$2,376$198
18Volkswagen Taos$2,382$199
19Kia Niro$2,392$199
20Toyota GR Corolla$2,416$201
21Honda HR-V$2,418$202
22Subaru Ascent$2,422$202
23Nissan Leaf$2,434$203
24Chevrolet Colorado$2,446$204
25Lexus NX 250$2,460$205
26Honda Civic$2,462$205
27Volkswagen Atlas$2,464$205
28Acura Integra$2,470$206
29Subaru Forester$2,472$206
30Volkswagen Atlas Cross Sport$2,476$206

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Denver, CO Zip Codes. Updated June 27, 2025

Top 30 cheapest vehicles to insure in Denver, CO with the Subaru Crosstrek ranking first at $2,052 per year
Top 30 cheapest vehicles to insure in Denver, CO with the Subaru Crosstrek ranking first at $2,052 per year

A table of 30 of the cheapest vehicles to insure in Denver doesn’t really give the full picture of the cost of auto insurance in Denver. Considering we track over 700 makes and models of vehicles, there is a lot of rate data no being shown. Let’s dig a little deeper into the data and display the most affordable vehicles a slightly different way, by automotive segment.

The section below further discusses the different automotive segments and the average cost of car insurance in Denver. The rates shown will give you a good idea of which automotive segments have the best auto insurance rates in Denver. After the chart, the next six sections break out and rank the 20 cheapest models in each individual segment.

Denver auto insurance rates by vehicle segment

When shopping around for a new or used vehicle, it’s advantageous to know which categories of vehicles have better car insurance rates. To illustrate this, maybe you want to know if midsize SUVs have cheaper auto insurance than small SUVs or if sports cars are more affordable to insure than luxury cars.

The chart below shows average car insurance rates by segment in Denver. As a general rule, small and midsize SUVs, vans and minivans, and midsize pickup trucks have the most affordable rates, with exotic performance models having the highest average insurance cost.

Car insurance average cost by automotive segment in Denver, CO.
Figure 3: Car insurance average cost by automotive segment in Denver, CO. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Denver Zip Codes.

Car Insurance Rates by Automotive Segment in Denver, CO
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,554$213
Midsize SUV$2,744$229
Compact Car$2,746$229
Minivan$2,750$229
Midsize Pickup$2,808$234
Midsize Car$2,834$236
Compact Luxury SUV$3,014$251
Compact Luxury Car$3,058$255
Large SUV$3,068$256
Half-ton Pickup$3,080$257
Heavy Duty Pickup$3,196$266
Midsize Luxury SUV$3,302$275
Midsize Luxury Car$3,410$284
Sports Car$3,822$319
Large Car$4,000$333
Large Luxury SUV$4,302$359
Large Luxury Car$4,448$371

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Denver, CO Zip Codes. Updated June 27, 2025

Car insurance rates by segment are fine to form a general comparison, but cost varies greatly within each vehicle category listed above.

For example, in the midsize car segment, Denver auto insurance rates range from the Kia K5 at $2,678 per year for full coverage insurance up to the Tesla Model 3 at $3,264 per year.

For another example, in the large truck segment, the average cost of insurance ranges from the Nissan Titan costing $2,602 per year up to the Toyota Tundra costing $3,310 per year, a difference of $708 within that segment.

In these next sections, we reduce this variability by looking at car insurance cost in Denver for specific cars, trucks, and SUVs.

Cheapest cars to insure in Denver

The four top-ranked 2-door and 4-door sedans and hatchbacks with the cheapest insurance in Denver are the Toyota GR Corolla at $2,416 per year, Nissan Leaf at $2,434 per year, Honda Civic at $2,462 per year, and Nissan Sentra at $2,548 per year.

Other models that are affordable to insure are the Chevrolet Malibu, Honda Accord, Toyota Prius, and Kia K5, with an average car insurance cost of $2,708 per year or less.

Car insurance rates for this segment in Denver starts at an average of $201 per month, depending on your company and location.

The rate comparison table below ranks the cars with the most affordable insurance in Denver, starting with the Toyota GR Corolla at $2,416 per year ($201 per month) and ending with the Mazda 3 at $2,874 per year ($240 per month).

Cheapest Car Insurance in Denver
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,416$201
Nissan LeafCompact$2,434$203
Honda CivicCompact$2,462$205
Nissan SentraCompact$2,548$212
Subaru ImprezaCompact$2,556$213
Toyota PriusCompact$2,598$217
Kia K5Midsize$2,678$223
Honda AccordMidsize$2,684$224
Chevrolet MalibuMidsize$2,696$225
Toyota CorollaCompact$2,708$226
Kia ForteCompact$2,714$226
Volkswagen ArteonMidsize$2,730$228
Nissan VersaCompact$2,740$228
Subaru LegacyMidsize$2,744$229
Hyundai Ioniq 6Midsize$2,766$231
Mitsubishi Mirage G4Compact$2,806$234
Volkswagen JettaCompact$2,810$234
Toyota CrownMidsize$2,814$235
Hyundai SonataMidsize$2,818$235
Mazda 3Compact$2,874$240

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Denver, CO Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Denver, CO, with the Toyota GR Corolla ranking first at $2,416 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Denver, CO, with the Toyota GR Corolla ranking first at $2,416 per year.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see your vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Denver car insurance quotes from top companies in Colorado.

Cheapest SUV insurance rates in Denver

The top five models for the most affordable Denver auto insurance rates in the non-luxury SUV segment are the Honda Passport, Chevrolet Trailblazer, Nissan Kicks, Kia Soul, and Subaru Crosstrek. Rates for these 2024 models average $185 or less per month.

Rounding out the top 10 are SUVs like the Ford Bronco Sport, Toyota Corolla Cross, Hyundai Venue, and Buick Envision, with average cost of $2,276 per year or less.

Car insurance in this segment can cost as low as $171 per month, depending on where you live.

The most budget-friendly compact SUV to insure in Denver is the Subaru Crosstrek at $2,052 per year. For midsize 2024 SUV models, the Honda Passport has the cheapest rates at $2,216 per year. And for full-size SUVs, the Chevrolet Tahoe is most affordable to insure at $2,610 per year.

The comparison table below ranks the twenty SUVs with the cheapest average car insurance rates in Denver.

Cheapest SUV Insurance in Denver
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,052$171
Chevrolet TrailblazerCompact$2,088$174
Kia SoulCompact$2,170$181
Nissan KicksCompact$2,190$183
Honda PassportMidsize$2,216$185
Buick EnvisionCompact$2,228$186
Toyota Corolla CrossCompact$2,240$187
Hyundai VenueCompact$2,258$188
Mazda CX-5Compact$2,268$189
Ford Bronco SportCompact$2,276$190
Volkswagen TiguanCompact$2,300$192
Nissan MuranoMidsize$2,336$195
Buick EncoreCompact$2,360$197
Subaru OutbackMidsize$2,368$197
Honda CR-VCompact$2,370$198
Buick EnvistaMidsize$2,376$198
Volkswagen TaosCompact$2,382$199
Kia NiroCompact$2,392$199
Honda HR-VCompact$2,418$202
Subaru AscentMidsize$2,422$202

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Denver, CO Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Denver, CO, with the Subaru Crosstrek ranking first at $2,052 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Denver, CO, with the Subaru Crosstrek ranking first at $2,052 per year.

See our comprehensive guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view data for vehicles not featured in the table.

Don’t see your vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top auto insurance companies in Colorado.

Cheapest pickups to insure in Denver

The top five models for the most affordable Denver auto insurance rates in the pickup truck segment are the Chevrolet Colorado, Nissan Frontier, Ford Maverick, Nissan Titan, and Ford Ranger. Auto insurance prices for these 2024 models average $2,696 or less per year.

Some other pickups that rank well include the Honda Ridgeline, GMC Sierra 2500 HD, Toyota Tacoma, and GMC Canyon, with average rates of $2,860 per year or less.

Full-coverage insurance for this segment in Denver starts at an average of $204 per month, depending on your location. The rate comparison table below ranks the pickups with the cheapest average auto insurance rates in Denver, starting with the Chevrolet Colorado at $2,446 per year ($204 per month) and ending with the Ram Truck at $3,216 per year ($268 per month).

Cheapest Pickup Insurance in Denver
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,446$204
Nissan TitanFull-size$2,602$217
Nissan FrontierMidsize$2,628$219
Ford RangerMidsize$2,656$221
Ford MaverickMidsize$2,696$225
Honda RidgelineMidsize$2,758$230
Hyundai Santa CruzMidsize$2,806$234
Toyota TacomaMidsize$2,816$235
GMC Sierra 2500 HDHeavy Duty$2,828$236
GMC CanyonMidsize$2,860$238
Jeep GladiatorMidsize$2,930$244
GMC Sierra 3500Heavy Duty$2,948$246
Chevrolet Silverado HD 3500Heavy Duty$2,970$248
Chevrolet Silverado HD 2500Heavy Duty$3,052$254
GMC SierraFull-size$3,070$256
Chevrolet SilveradoFull-size$3,074$256
Nissan Titan XDHeavy Duty$3,074$256
Ford F150Full-size$3,110$259
GMC Hummer EV PickupFull-size$3,188$266
Ram TruckFull-size$3,216$268

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Denver, CO Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Denver, CO, with the Chevrolet Colorado ranking first at $2,446 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Denver, CO, with the Chevrolet Colorado ranking first at $2,446 per year.

See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.

Looking for rates for a different pickup? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Denver car insurance quotes from top-rated auto insurance companies in Colorado.

Cheapest luxury cars to insure in Denver

The cheapest luxury cars to insure in Denver are the Acura Integra at $2,470 per year, the BMW 330i at $2,830 per year, and the Mercedes-Benz CLA250 at $2,860 per year.

Other luxury cars that have affordable average insurance rates are the Mercedes-Benz AMG CLA35, Cadillac CT4, Lexus RC 300, and Genesis G70, with an average car insurance cost of $2,922 per year or less.

Ranked in the lower half of the top 20, models like the Lexus ES 300h, Lexus IS 350, Lexus RC 350, Cadillac CT5, and BMW 330e average between $2,922 and $3,118 per year for insurance.

Car insurance in Denver for this segment for the average driver will start around $206 per month, depending on your location and insurance company.

When the luxury car segment is analyzed by vehicle size, the cheapest compact luxury car to insure in Denver is the Acura Integra at $2,470 per year. For midsize luxury models, the Mercedes-Benz CLA250 is cheapest to insure at $2,860 per year. And for full-size luxury cars, the Audi A5 has the most affordable rates at $3,302 per year.

The comparison table below ranks the twenty cars with the most affordable insurance in Denver, starting with the Acura Integra at $206 per month and ending with the Audi S3 at $260 per month.

Cheapest Luxury Car Insurance in Denver
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,470$206
BMW 330iCompact$2,830$236
Mercedes-Benz CLA250Midsize$2,860$238
Lexus IS 300Midsize$2,866$239
Acura TLXCompact$2,876$240
Cadillac CT4Compact$2,902$242
Lexus ES 350Midsize$2,902$242
Genesis G70Compact$2,910$243
Mercedes-Benz AMG CLA35Midsize$2,916$243
Lexus RC 300Midsize$2,922$244
Lexus IS 350Compact$2,934$245
Jaguar XFMidsize$2,940$245
Cadillac CT5Midsize$2,996$250
Lexus ES 250Midsize$3,006$251
Lexus RC 350Compact$3,016$251
BMW 330eCompact$3,018$252
BMW 228iCompact$3,022$252
BMW 230iCompact$3,046$254
Lexus ES 300hMidsize$3,052$254
Audi S3Compact$3,118$260

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Denver, CO Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Denver, CO, with the Acura Integra ranking first at $2,470 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Denver, CO, with the Acura Integra ranking first at $2,470 per year.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see your luxury car? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Denver car insurance quotes from top-rated companies in Colorado.

Cheapest luxury SUV insurance rates in Denver

The Acura RDX ranks at #1 for the lowest-cost luxury SUV model to insure in Denver, followed by the Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. The 2024 model costs an average of $2,324 per year to insure with full coverage.

Additional models that are affordable to insure are the Lincoln Corsair, Mercedes-Benz GLB 250, Lexus NX 450h, and Lexus UX 250h, with average annual insurance rates of $2,680 per year or less.

Full-coverage auto insurance in this segment for an average middle-age driver starts at around $194 per month, depending on your location.

The most affordable small luxury SUV to insure in Denver is the Acura RDX at $2,324 per year. For midsize 2024 models, the Jaguar E-Pace has the best rates at $2,600 per year. And for large luxury SUVs, the Infiniti QX80 has the cheapest rates at $3,118 per year.

The rate comparison table below ranks the twenty SUVs with the cheapest average insurance rates in Denver, starting with the Acura RDX at $194 per month and ending with the Lexus RX 350 at $233 per month.

Cheapest Luxury SUV Insurance in Denver
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,324$194
Lexus NX 250Compact$2,460$205
Cadillac XT4Compact$2,510$209
Jaguar E-PaceMidsize$2,600$217
Cadillac XT5Midsize$2,622$219
Lexus NX 350hCompact$2,622$219
Lincoln CorsairCompact$2,654$221
Mercedes-Benz GLB 250Compact$2,660$222
Lexus UX 250hCompact$2,664$222
Lexus NX 450hCompact$2,680$223
Infiniti QX50Midsize$2,700$225
Mercedes-Benz GLA250Compact$2,710$226
Mercedes-Benz GLA35 AMGCompact$2,718$227
Cadillac XT6Midsize$2,720$227
Infiniti QX60Midsize$2,736$228
Mercedes-Benz AMG GLB35Midsize$2,738$228
Land Rover EvoqueCompact$2,774$231
Acura MDXMidsize$2,778$232
Lexus NX 350Compact$2,788$232
Lexus RX 350Midsize$2,790$233

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Denver, CO Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Denver, CO, with the Acura RDX ranking first at $2,324 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Denver, CO, with the Acura RDX ranking first at $2,324 per year.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Don’t see your luxury SUV in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Colorado.

Cheapest sports cars to insure in Denver

The top-ranked model in Denver for cheapest auto insurance rates in the sports car segment is the Mazda MX-5 Miata, with an average cost of $2,572 per year. Second place is the Toyota GR86 costing $2,930 per year, the third most affordable is the Ford Mustang, at an average of $3,056 per year, and the fourth cheapest is the BMW Z4, at an average of $3,072 per year.

Not the cheapest sports cars to insure, but still affordable, are models like the Toyota GR Supra, Nissan Z, Lexus RC F, and Subaru BRZ, with an average cost of $3,324 per year or less.

From a cost per month standpoint, auto insurance rates in this segment for a good driver can cost as low as $214 per month, depending on the company and where you live.

The table below ranks the twenty sports cars with the most affordable insurance in Denver.

Cheapest Sports Car Insurance in Denver
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,572$214
Toyota GR86Sports Car$2,930$244
Ford MustangSports Car$3,056$255
BMW Z4Sports Car$3,072$256
Subaru WRXSports Car$3,116$260
Toyota GR SupraSports Car$3,122$260
BMW M2Sports Car$3,216$268
Nissan ZSports Car$3,222$269
Lexus RC FSports Car$3,284$274
Subaru BRZSports Car$3,324$277
BMW M3Sports Car$3,512$293
Porsche 718Sports Car$3,582$299
Chevrolet CamaroSports Car$3,614$301
Chevrolet CorvetteSports Car$3,852$321
Porsche 911Sports Car$3,984$332
BMW M4Sports Car$4,150$346
Lexus LC 500Sports Car$4,168$347
Jaguar F-TypeSports Car$4,386$366
Mercedes-Benz AMG GT53Sports Car$4,602$384
Porsche TaycanSports Car$4,708$392

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Denver, CO Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Denver, CO, with the Mazda MX-5 Miata ranking first at $2,572 per year.
Ranking of the cheapest sports cars to insure in Denver, CO, with the Mazda MX-5 Miata ranking first at $2,572 per year.

Don’t see insurance cost for your sports car? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Colorado.

Driver profile impacts car insurance rates

In order to reinforce the concept of the amount car insurance premiums can range from one person to the next, the charts below contain a large range of rates for five popular models in Denver: the Ford F150, Honda Civic, Nissan Rogue, Toyota Camry, and Chevrolet Camaro.

Each vehicle example uses a variety of different driver profiles to demonstrate the difference in average cost when using different driver profiles.

Ford F150 insurance rates

With MSRP ranging from $46,195 to $100,090, average Denver car insurance quotes on a 2024 Ford F150 range from $2,612 per year on the F150 XL Super Cab 4WD model up to $3,612 per year for the F150 Lightning Platinum Black Special Edition model.

From a monthly standpoint, auto insurance on a 2024 Ford F150 can cost from $218 to $301 per month, but your exact cost can vary based on your address in Denver.

The bar chart below may help illustrate how the prices of car insurance for a Ford F150 can range considerably based on different driver ages, policy deductibles, and risk profiles.

The rates in the chart range from $2,580 to $7,182 per year, which is a difference of $4,602 per year just due changes in driver risk.

Average 2024 Ford F150 insurance premiums in Denver for different driver ages and risk scenarios.
Figure 4: Average 2024 Ford F150 insurance premiums in Denver for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Ford F150 with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Ford F150 car insurance cost in Denver includes all Zip Codes and vehicle trim levels.

2024 Ford F150 Insurance Cost in Denver, CO
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$7,182$599
Safe Driver Age 20$6,290$524
At-fault Accidents Age 40$4,416$368
Low Deductibles Age 40$4,076$340
Safe Driver Age 30$3,322$277
Safe Driver Age 40$3,110$259
Safe Driver Age 50$2,754$230
High Deductibles Age 40$2,616$218
Discount Rate Age 40$2,580$215
Safe Driver Age 60$2,578$215

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Ford F150 trim levels. Updated June 27, 2025

The Ford F150 is considered a full-size truck, and other models popular in Denver include the GMC Sierra, Chevrolet Silverado, Nissan Titan, and Ram Truck.

Honda Civic insurance rates

The cheapest 2024 Honda Civic to insure in Denver is the LX model, costing an average of $2,200 per year, or about $183 per month. This trim has a retail price of $23,950.

The most expensive 2022 Honda Civic trim level to insure in Denver is the Type R, costing an average of $2,916 per year, or about $243 per month. The retail price for this trim level is $43,795, before destination and documentation fees.

When Denver insurance rates for the Honda Civic are compared to the national average cost for the same vehicle, the cost is anywhere from $346 to $458 more per year in Denver, depending on the specific model being insured.

The bar chart below shows how car insurance quotes on a Honda Civic can range significantly for a variety of driver ages and policy risk profiles.

Average 2024 Honda Civic insurance premiums in Denver for different driver ages and risk scenarios.
Figure 5: Average 2024 Honda Civic insurance premiums in Denver for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Denver includes all Zip Codes and vehicle trim levels.

2024 Honda Civic Insurance Cost in Denver, CO
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,588$466
Safe Driver Age 20$4,882$407
At-fault Accidents Age 40$3,452$288
Low Deductibles Age 40$3,228$269
Safe Driver Age 30$2,628$219
Safe Driver Age 40$2,462$205
Safe Driver Age 50$2,184$182
High Deductibles Age 40$2,064$172
Discount Rate Age 40$2,050$171
Safe Driver Age 60$2,040$170

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Civic trim levels. Updated June 27, 2025

The Honda Civic is part of the compact car segment, and other similar models from the same segment include the Toyota Corolla, Volkswagen Jetta, and Hyundai Elantra.

Nissan Rogue insurance rates

Nissan Rogue insurance in Denver averages $2,498 per year, ranging from a low of $2,366 per year on the Rogue S 2WD trim level (MSRP of $29,360) up to $2,616 per year on the Rogue Platinum AWD (MSRP of $39,230).

On a monthly basis, car insurance on the Nissan Rogue can cost from $197 to $218 per month, depending on policy limits and where you live in Denver.

The bar chart below illustrates how the cost of insurance for a Nissan Rogue can range considerably for a number of different driver ages and risk profiles.

In this example, cost varies from $2,074 to $5,710 per year, which is a difference of $3,636 to insure the same vehicle using different rated drivers.

Average 2024 Nissan Rogue insurance premiums in Denver for different driver ages and risk scenarios.
Figure 6: Average 2024 Nissan Rogue insurance premiums in Denver for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Nissan Rogue with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Nissan Rogue car insurance cost in Denver includes all Zip Codes and vehicle trim levels.

2024 Nissan Rogue Insurance Cost in Denver, CO
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$5,710$476
Safe Driver Age 20$4,984$415
At-fault Accidents Age 40$3,540$295
Low Deductibles Age 40$3,214$268
Safe Driver Age 30$2,658$222
Safe Driver Age 40$2,498$208
Safe Driver Age 50$2,224$185
High Deductibles Age 40$2,126$177
Safe Driver Age 60$2,078$173
Discount Rate Age 40$2,074$173

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Nissan Rogue trim levels. Updated June 26, 2025

The Nissan Rogue is considered a compact SUV, and other similar models from the same segment include the Toyota RAV4, Mazda CX-5, and Honda CR-V.

Toyota Camry insurance rates

Toyota Camry insurance in Denver averages $2,986 per year, with rates ranging from a low of $2,750 per year for the Camry LE trim level up to $3,138 per year for the Camry XSE AWD.

From a monthly standpoint, auto insurance for a Toyota Camry for an average middle-age driver can range from $229 to $262 per month, depending on various factors including your address in Denver.

The bar chart below visualizes how insurance rates on a Toyota Camry can range significantly for different driver ages, deductibles, and risk profiles. In this example, rates range from $2,484 to $6,866 per year, which is a cost difference of $4,382 to insure the same vehicle using different rated drivers.

Average 2024 Toyota Camry insurance premiums in Denver for different driver ages and risk scenarios.
Figure 7: Average 2024 Toyota Camry insurance premiums in Denver for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Toyota Camry with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Toyota Camry car insurance cost in Denver includes all Zip Codes and vehicle trim levels.

2024 Toyota Camry Insurance Cost in Denver, CO
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,866$572
Safe Driver Age 20$6,018$502
At-fault Accidents Age 40$4,212$351
Low Deductibles Age 40$3,968$331
Safe Driver Age 30$3,196$266
Safe Driver Age 40$2,986$249
Safe Driver Age 50$2,638$220
High Deductibles Age 40$2,484$207
Discount Rate Age 40$2,484$207
Safe Driver Age 60$2,470$206

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Toyota Camry trim levels. Updated June 26, 2025

The Toyota Camry is considered a midsize car, and other popular models include the Nissan Altima, Hyundai Sonata, Kia K5, and Honda Accord.

Chevrolet Camaro insurance rates

Chevrolet Camaro insurance in Denver costs an average of $3,614 per year, with a range of $3,042 per year on the Camaro 1LT Convertible model (MSRP of $38,495) up to $4,418 per year for the Camaro ZL1 Coupe trim (MSRP of $73,695).

When Denver auto insurance rates for the Chevrolet Camaro are compared with the average cost for the entire U.S. on the same vehicle, the cost is anywhere from $478 to $692 more expensive per year in Denver, depending on the trim level being insured.

The rate chart below shows how insurance quotes on a Chevrolet Camaro can change for different driver ages, deductibles, and risk profiles.

In this example, cost ranges from $2,996 to $8,296 per year, which is a difference in cost of $5,300 based on different drivers.

Average 2024 Chevrolet Camaro insurance premiums in Denver for different driver ages and risk scenarios.
Figure 8: Average 2024 Chevrolet Camaro insurance premiums in Denver for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Chevrolet Camaro with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Chevrolet Camaro car insurance cost in Denver includes all Zip Codes and vehicle trim levels.

2024 Chevrolet Camaro Insurance Cost in Denver, CO
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$8,296$691
Safe Driver Age 20$7,244$604
At-fault Accidents Age 40$5,128$427
Low Deductibles Age 40$4,650$388
Safe Driver Age 30$3,844$320
Safe Driver Age 40$3,614$301
Safe Driver Age 50$3,216$268
High Deductibles Age 40$3,076$256
Safe Driver Age 60$3,006$251
Discount Rate Age 40$2,996$250

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Chevrolet Camaro trim levels. Updated June 26, 2025

The Chevrolet Camaro is classified as a sports car, and additional models from the same segment that are popular in Denver include the Ford Mustang, Nissan 370Z, and Chevrolet Corvette.

Tips for finding cheaper Denver car insurance

Denver drivers are always searching for ways to pay less for auto insurance So glance through the money-saving tips in the list below and maybe you can save some money the next time you need to insure a vehicle.

  • If your vehicle is older, reduce coverage. Dropping comprehensive and collision coverage from vehicles whose low value makes coverage cost prohibitive can cheapen the cost substantially.
  • Your profession could save you money. The large majority of insurance companies offer discounts for being employed in occupations like engineers, nurses, college professors, doctors, emergency medical technicians, and others. By qualifying for an occupational discount, you may save between $83 and $270 on your yearly insurance bill, depending on the age of the rated driver.
  • Remain claim free. Most insurance companies offer a discount if you have not filed any claims. Auto insurance should only be used in the case of large financial hits, not for minor claims that can easily be paid out-of-pocket.
  • The real world isn’t Grand Theft Auto. If you want to get the cheapest car insurance in Denver, it pays to avoid traffic citations. Not surprisingly, just a couple of minor driving offenses have the consequences of increasing policy rates by at least $740 per year. Being convicted of a crime such as a DWI could raise rates by an additional $2,584 or more.
  • Research discounts to save money. Discounted rates may be available if the insured drivers are good students, drive low annual mileage, work in certain occupations, sign their policy early, or many other discounts which could save the average Denver driver as much as $472 per year on the cost of car insurance
  • Excellent credit equals excellent rates. Drivers who have credit scores over 800 could save an average of $437 per year versus a good rating of 670-739. Conversely, a credit score below 579 could cost as much as $506 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Choose a vehicle that is cheaper to insure. The vehicle you drive is one of the primary factors in the price you pay for insurance. As an example, a Kia Telluride costs $2,292 less per year to insure in Denver than a Acura NSX. Lower performance vehicles save money.