Car Insurance in Denver, CO (2022 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 $1,836 per year, or around $153 per month, for a full-coverage policy.
  • Denver auto insurance costs $212 per year more than the Colorado state average and $330 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 $124 per month, Subaru Outback at $148, and Nissan Rogue at $135.
  • For cheap car insurance in Denver, small SUV models like the Mazda CX-30, Honda CR-V, and Ford Ecosport rank very well for overall cost.

How much does car insurance cost in Denver?

In Denver, average auto insurance cost is $1,836 per year, which is 21.9% more than the national average rate of $1,506. Per month, Denver drivers can expect to pay an average of $153 for a full coverage policy.

In the state of Colorado, the average car insurance expense is $1,624 per year, so the average cost in Denver is $212 more per year. When compared to other larger cities in Colorado, the cost to insure a car in Denver is approximately $40 per year more than in Colorado Springs, $56 per year less than in Lakewood, and $388 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 – $6,580 per year or $548 per month
  • 17 year old – $6,146 per year or $512 per month
  • 18 year old – $5,740 per year or $478 per month
  • 19 year old – $5,190 per year or $433 per month
  • 20 year old – $3,648 per year or $304 per month
  • 30 year old – $1,932 per year or $161 per month
  • 40 year old – $1,836 per year or $153 per month
  • 50 year old – $1,672 per year or $139 per month
  • 60 year old – $1,642 per year or $137 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 2022 vehicle models including luxury brands.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for the 2022 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. Physical damage 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.Data last updated on December 30, 2021
Denver, CO Car Insurance Cost Summary
Average Car Insurance Cost in Denver, CO
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$4,162$347
Safe Driver Age 20$3,648$304
At-fault Accidents Age 40$2,590$216
Low Deductibles Age 40$2,386$199
Safe Driver Age 30$1,932$161
Safe Driver Age 40$1,836$153
Safe Driver Age 50$1,672$139
Safe Driver Age 60$1,642$137
High Deductibles Age 40$1,554$130
Discount Rate Age 40$1,524$127

In the chart above, the cost of car insurance in Denver ranges from $1,524 per year for a 40-year-old driver who qualifies for most policy discounts to $4,162 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 $127 to $347 per month.

The car insurance costs referenced previously are an average for all 2022 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average Denver car insurance cost is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Denver Zip Codes.Data last updated on December 30, 2021
Denver Car Insurance Rates for Popular Vehicles
Denver Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Honda CR-V$1,482$124
Toyota Corolla$1,532$128
Subaru Crosstrek$1,614$135
Ford Ranger$1,616$135
Honda HR-V$1,616$135
Nissan Rogue$1,624$135
Subaru Forester$1,662$139
Honda Pilot$1,718$143
Ford F150$1,778$148
Toyota RAV4$1,816$151
Jeep Wrangler$1,822$152
GMC Sierra$1,872$156
Toyota 4Runner$1,884$157
Toyota Camry$1,892$158
Ford Mustang$1,938$162
Ford Bronco$1,946$162
Chevrolet Silverado$1,976$165
Jeep Grand Cherokee$1,998$167
Ram Truck$2,094$175

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 Honda CR-V, Mazda CX-30, Buick Envision, and Hyundai Kona.

Average insurance rates for those compact SUVs cost $1,510 or less per year, or $126 per month, for full coverage car insurance.

A few other vehicles that rank well in our insurance cost comparison are the Chevrolet Blazer, Nissan Kicks, Hyundai Venue, and Buick Encore. 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 $130 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 Cost Monthly Cost
1Chevrolet Spark$1,452$121
2Mazda CX-30$1,478$123
3Honda CR-V$1,482$124
4Chevrolet Trax$1,492$124
5Toyota C-HR$1,492$124
6Hyundai Kona$1,494$125
7Buick Envision$1,502$125
8Ford Ecosport$1,506$126
9Kia Soul$1,510$126
10Chevrolet Colorado$1,512$126
11Mazda CX-5$1,512$126
12Chevrolet Blazer$1,514$126
13Nissan Rogue Sport$1,514$126
14Hyundai Venue$1,530$128
15Toyota Corolla$1,532$128
16Nissan Kicks$1,542$129
17Buick Encore$1,544$129
18Chevrolet Trailblazer$1,554$130
19Kia Sportage$1,562$130
20Jeep Compass$1,568$131
21Mitsubishi Eclipse Cross$1,570$131
22Chevrolet Equinox$1,572$131
23Ford Maverick$1,572$131
24Acura RDX$1,576$131
25Toyota Corolla Cross$1,576$131
26Nissan Murano$1,580$132
27Mazda MX-5 Miata$1,592$133
28Hyundai Tucson$1,594$133
29Subaru Impreza$1,596$133
30Kia Rio$1,606$134

    Get Rates in Your AreaWhy is this important?

    Table Data Details: Average car insurance rate for each model assumes a 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to premiums. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Denver, CO.Data last updated on December 30, 2021
    Cheapest Auto Insurance Rates in Denver

    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.

    Get Rates in Your AreaWhy is this important?

    Chart Data Details: Average Denver car insurance cost by segment is based on 2022 model year vehicles with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are averaged for all Denver Zip Codes.Data last updated on December 30, 2021
    Average Denver Auto Insurance Rates by Vehicle Segment
    Denver Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,676$140
    Midsize Pickup$1,752$146
    Compact Car$1,800$150
    Midsize SUV$1,868$156
    Minivan$1,906$159
    Midsize Car$1,910$159
    Half-ton Pickup$1,994$166
    Compact Luxury SUV$2,064$172
    Compact Luxury Car$2,082$174
    Large SUV$2,108$176
    Large Car$2,126$177
    Heavy Duty Pickup$2,166$181
    Midsize Luxury SUV$2,228$186
    Midsize Luxury Car$2,432$203
    Sports Car$2,588$216
    Large Luxury SUV$2,786$232
    Large Luxury Car$2,992$249

    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 Mazda 6 at $1,692 per year for full coverage insurance up to the Kia Stinger at $2,224 per year.

    For another example, in the large truck segment, the average cost of insurance ranges from the Ford F150 costing $1,778 per year up to the GMC Hummer EV Pickup costing $2,340 per year, a difference of $562 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 Chevrolet Spark at $1,452 per year, Toyota Corolla at $1,532 per year, Subaru Impreza at $1,596 per year, and Kia Rio at $1,606 per year.

    Other models that are affordable to insure are the Kia Forte, Mazda 6, Nissan Sentra, and Mazda 3, with an average car insurance cost of $1,728 per year or less.

    Car insurance rates for this segment in Denver starts at an average of $121 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 Chevrolet Spark at $1,452 per year ($121 per month) and ending with the Subaru Legacy at $1,864 per year ($155 per month).

    Cheapest Car Insurance in Denver
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Chevrolet SparkCompact$1,452$121
    Toyota CorollaCompact$1,532$128
    Subaru ImprezaCompact$1,596$133
    Kia RioCompact$1,606$134
    Honda CivicCompact$1,628$136
    Nissan SentraCompact$1,638$137
    Mazda 3Compact$1,662$139
    Mazda 6Midsize$1,692$141
    Kia ForteCompact$1,724$144
    Chevrolet MalibuMidsize$1,728$144
    Hyundai AccentCompact$1,728$144
    Honda InsightMidsize$1,730$144
    Toyota PriusCompact$1,730$144
    Volkswagen GolfCompact$1,768$147
    Volkswagen JettaCompact$1,786$149
    Honda AccordMidsize$1,822$152
    Kia K5Midsize$1,830$153
    Nissan VersaCompact$1,848$154
    Volkswagen PassatMidsize$1,852$154
    Subaru LegacyMidsize$1,864$155

      Get Rates in Your AreaWhy is this important?

      Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Denver, CO.Data last updated on December 30, 2021
      Cheapest Car Insurance in Denver

      The most popular cars on the streets in Denver aren’t guaranteed to have the most affordable auto insurance rates. Some popular models that were not in the top 20 cheapest rankings above include the Hyundai Sonata costing an average of $2,144 per year ($179 per month), the Volkswagen GTI at an average of $1,840 ($153 per month), and the Nissan Maxima at $2,000 ($167 per month).

      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 Hyundai Kona, Honda CR-V, Toyota C-HR, Chevrolet Trax, and Mazda CX-30. Rates for these 2022 models average $125 or less per month.

      Rounding out the top 10 are SUVs like the Mazda CX-5, Ford Ecosport, Kia Soul, and Buick Envision, with average cost of $1,512 per year or less.

      Car insurance in this segment can cost as low as $123 per month, depending on where you live.

      The most budget-friendly compact SUV to insure in Denver is the Mazda CX-30 at $1,478 per year. For midsize 2022 SUV models, the Chevrolet Blazer has the cheapest rates at $1,514 per year. And for full-size SUVs, the Chevrolet Tahoe is most affordable to insure at $1,936 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/Model Vehicle Size Annual Cost Monthly Cost
      Mazda CX-30Compact$1,446$121
      Honda CR-VCompact$1,448$121
      Chevrolet TraxCompact$1,460$122
      Toyota C-HRCompact$1,460$122
      Hyundai KonaCompact$1,462$122
      Buick EnvisionCompact$1,464$122
      Ford EcosportCompact$1,474$123
      Mazda CX-5Compact$1,476$123
      Chevrolet BlazerMidsize$1,478$123
      Kia SoulCompact$1,478$123
      Nissan Rogue SportCompact$1,480$123
      Hyundai VenueCompact$1,498$125
      Buick EncoreCompact$1,510$126
      Nissan KicksCompact$1,510$126
      Chevrolet TrailblazerCompact$1,520$127
      Kia SportageCompact$1,528$127
      Mitsubishi Eclipse CrossCompact$1,532$128
      Chevrolet EquinoxCompact$1,536$128
      Jeep CompassCompact$1,536$128
      Toyota Corolla CrossCompact$1,542$129

        Get Rates in Your AreaWhy is this important?

        Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Denver, CO.Data last updated on December 30, 2021
        Cheapest SUV Insurance in Denver

        Some popular SUVs that cost more to insure than the models shown above include the Toyota 4Runner costing $1,840 per year ($153 per month), the Chevrolet Traverse costing an average of $1,724 ($144 per month), and the Nissan Pathfinder at an average of $1,812 ($151 per month).

        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, Ford Ranger, Chevrolet Silverado HD 3500, Ford Maverick, and Toyota Tacoma. Auto insurance prices for these 2022 models average $1,744 or less per year.

        Some other pickups that rank well include the Nissan Frontier, Honda Ridgeline, Ford F150, and Jeep Gladiator, with average rates of $1,810 per year or less.

        Full-coverage insurance for this segment in Denver starts at an average of $126 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 $1,512 per year ($126 per month) and ending with the Ford F250 Super Duty at $2,186 per year ($182 per month).

        Cheapest Pickup Insurance in Denver
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Chevrolet ColoradoMidsize$1,478$123
        Ford MaverickMidsize$1,538$128
        Ford RangerMidsize$1,582$132
        Toyota TacomaMidsize$1,642$137
        Chevrolet Silverado HD 3500Heavy Duty$1,710$143
        Nissan FrontierMidsize$1,710$143
        GMC CanyonMidsize$1,722$144
        Hyundai Santa CruzMidsize$1,728$144
        Ford F150Full-size$1,738$145
        Honda RidgelineMidsize$1,746$146
        Jeep GladiatorMidsize$1,770$148
        GMC SierraFull-size$1,826$152
        Nissan TitanFull-size$1,896$158
        Toyota TundraFull-size$1,908$159
        Chevrolet SilveradoFull-size$1,932$161
        Ford F350 Super DutyHeavy Duty$1,952$163
        Nissan Titan XDHeavy Duty$2,020$168
        Ram TruckFull-size$2,050$171
        GMC Sierra 2500 HDHeavy Duty$2,102$175
        GMC Sierra 3500Heavy Duty$2,114$176

          Get Rates in Your AreaWhy is this important?

          Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Denver, CO.Data last updated on December 30, 2021
          Cheapest Pickup Insurance in Denver

          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 ILX at $1,700 per year, the Mercedes-Benz A220 at $1,804 per year, and the BMW 330i at $1,940 per year.

          Other luxury cars that have affordable average insurance rates are the BMW 230i, BMW Z4, Cadillac CT4, and BMW 228i, with an average car insurance cost of $2,034 per year or less.

          Ranked in the lower half of the top 20, models like the Audi S3, Lexus IS 300, Genesis G70, Alfa Romeo Giulia, and Mercedes-Benz AMG CLA35 average between $2,034 and $2,130 per year for insurance.

          Car insurance in Denver for this segment for the average driver will start around $142 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 Mercedes-Benz A220 at $1,804 per year. For midsize luxury models, the Acura ILX is cheapest to insure at $1,700 per year. And for full-size luxury cars, the Audi A5 has the most affordable rates at $2,186 per year.

          The comparison table below ranks the twenty cars with the most affordable insurance in Denver, starting with the Acura ILX at $142 per month and ending with the Audi A4 at $178 per month.

          Cheapest Luxury Car Insurance in Denver
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura ILXMidsize$1,664$139
          Mercedes-Benz A220Compact$1,764$147
          BMW 330iCompact$1,894$158
          Acura TLXCompact$1,908$159
          Volvo S60Compact$1,922$160
          BMW 330eCompact$1,930$161
          BMW 228iCompact$1,940$162
          BMW 230iCompact$1,952$163
          Lexus RC 300Midsize$1,980$165
          Lexus IS 300Midsize$1,984$165
          Cadillac CT4Compact$1,986$166
          Alfa Romeo GiuliaCompact$1,988$166
          Lexus RC 350Compact$1,988$166
          Genesis G70Compact$2,024$169
          Mercedes-Benz AMG CLA35Midsize$2,032$169
          BMW i4Midsize$2,042$170
          Cadillac CT5Midsize$2,044$170
          Audi S3Compact$2,064$172
          Audi A4Compact$2,076$173
          Mercedes-Benz AMG CLA45Midsize$2,078$173

            Get Rates in Your AreaWhy is this important?

            Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Denver, CO.Data last updated on December 30, 2021
            Cheapest Luxury Car Insurance in Denver

            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 Cadillac XT4, Volvo XC40, Cadillac XT5, and Lexus NX 250. The 2022 model costs an average of $1,576 per year to insure with full coverage.

            Additional models that are affordable to insure are the Lexus NX 350h, Lexus UX 250h, Lexus UX 200, and Lexus NX 350, with average annual insurance rates of $1,878 per year or less.

            Full-coverage auto insurance in this segment for an average middle-age driver starts at around $131 per month, depending on your location.

            The most affordable small luxury SUV to insure in Denver is the Acura RDX at $1,576 per year. For midsize 2022 models, the Cadillac XT5 has the best rates at $1,792 per year. And for large luxury SUVs, the Volvo XC90 has the cheapest rates at $2,078 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 $131 per month and ending with the Mercedes-Benz GLC300 at $162 per month.

            Cheapest Luxury SUV Insurance in Denver
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura RDXCompact$1,536$128
            Cadillac XT4Compact$1,574$131
            Volvo XC40Compact$1,722$144
            Cadillac XT5Midsize$1,750$146
            Lexus NX 250Compact$1,784$149
            BMW X1Compact$1,786$149
            Lexus NX 350hCompact$1,796$150
            Lexus UX 250hCompact$1,796$150
            Lexus NX 350Compact$1,826$152
            Lexus UX 200Compact$1,834$153
            Jaguar E-PaceMidsize$1,836$153
            Lexus RX 350Midsize$1,840$153
            Lincoln NautilusMidsize$1,872$156
            Lexus NX 450hCompact$1,878$157
            Mercedes-Benz GLB 250Compact$1,886$157
            Lexus RX 450hMidsize$1,888$157
            Infiniti QX50Midsize$1,896$158
            Land Rover EvoqueCompact$1,896$158
            Lincoln CorsairCompact$1,898$158
            Mercedes-Benz GLC300Compact$1,902$159

              Get Rates in Your AreaWhy is this important?

              Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Denver, CO.Data last updated on December 30, 2021
              Cheapest Luxury SUV Insurance in Denver

              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 $1,592 per year. Second place is the Ford Mustang costing $1,938 per year, the third most affordable is the BMW Z4, at an average of $1,976 per year, and the fourth cheapest is the Subaru WRX, at an average of $2,090 per year.

              Not the cheapest sports cars to insure, but still affordable, are models like the Toyota GR Supra, Subaru BRZ, Chevrolet Corvette, and BMW M3, with an average cost of $2,380 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 $133 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/Model Vehicle Type Annual Cost Monthly Cost
              Mazda MX-5 MiataSports Car$1,552$129
              Ford MustangSports Car$1,892$158
              BMW Z4Sports Car$1,928$161
              Subaru WRXSports Car$2,042$170
              Toyota GR86Sports Car$2,092$174
              Toyota GR SupraSports Car$2,136$178
              Audi TTSports Car$2,180$182
              Chevrolet CorvetteSports Car$2,238$187
              Subaru BRZSports Car$2,256$188
              BMW M3Sports Car$2,316$193
              Porsche 718Sports Car$2,416$201
              Chevrolet CamaroSports Car$2,490$208
              Lexus RC FSports Car$2,526$211
              Dodge ChallengerSports Car$2,556$213
              Mercedes-Benz AMG GT53Sports Car$2,578$215
              Jaguar F-TypeSports Car$2,702$225
              Porsche TaycanSports Car$2,770$231
              Porsche 911Sports Car$2,834$236
              BMW M4Sports Car$2,848$237
              Lexus LC 500Sports Car$2,948$246

                Get Rates in Your AreaWhy is this important?

                Table Data Details: Average rates are based on 2022 model year, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all vehicle trim levels. Full coverage physical damage deductibles are $500 and rates are averaged for all Zip Codes in Denver, CO.Data last updated on December 30, 2021
                Cheapest Sports Car Insurance in Denver

                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

                Insurance for a Ford F150 in Denver costs an average of $1,738 per year (about $145 per month) and ranges from $1,476 to $4,016 annually.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on December 30, 2021
                Ford F150 Insurance Cost in Denver
                Ford F150 Insurance Cost in Denver, CO
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,932$328
                Safe Driver Age 20$3,442$287
                At-fault Accidents Age 40$2,454$205
                Low Deductibles Age 40$2,236$186
                Safe Driver Age 30$1,824$152
                Safe Driver Age 40$1,738$145
                Safe Driver Age 50$1,584$132
                Safe Driver Age 60$1,552$129
                High Deductibles Age 40$1,480$123
                Discount Rate Age 40$1,440$120

                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

                Honda Civic insurance in Denver averages $1,590 per year ($133 per month) and varies from $1,354 to $3,658 annually.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on December 30, 2021
                Honda Civic Insurance Cost in Denver
                Honda Civic Insurance Cost in Denver, CO
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,580$298
                Safe Driver Age 20$3,136$261
                At-fault Accidents Age 40$2,236$186
                Low Deductibles Age 40$2,052$171
                Safe Driver Age 30$1,672$139
                Safe Driver Age 40$1,590$133
                Safe Driver Age 50$1,452$121
                Safe Driver Age 60$1,422$119
                High Deductibles Age 40$1,352$113
                Discount Rate Age 40$1,322$110

                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

                In Denver, Nissan Rogue insurance costs an average of $1,588 per year, or around $132 per month, and varies from $1,352 to $3,664 per year.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on December 30, 2021
                Nissan Rogue Insurance Cost in Denver
                Nissan Rogue Insurance Cost in Denver, CO
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$3,584$299
                Safe Driver Age 20$3,136$261
                At-fault Accidents Age 40$2,236$186
                Low Deductibles Age 40$2,054$171
                Safe Driver Age 30$1,668$139
                Safe Driver Age 40$1,588$132
                Safe Driver Age 50$1,448$121
                Safe Driver Age 60$1,418$118
                High Deductibles Age 40$1,348$112
                Discount Rate Age 40$1,320$110

                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

                Insurance for a Toyota Camry in Denver averages $1,848 per year, or about $154 per month, and ranges from $1,574 to $4,284 annually.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on December 30, 2021
                Toyota Camry Insurance Cost in Denver
                Toyota Camry Insurance Cost in Denver, CO
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$4,190$349
                Safe Driver Age 20$3,670$306
                At-fault Accidents Age 40$2,610$218
                Low Deductibles Age 40$2,394$200
                Safe Driver Age 30$1,944$162
                Safe Driver Age 40$1,848$154
                Safe Driver Age 50$1,682$140
                Safe Driver Age 60$1,652$138
                High Deductibles Age 40$1,564$130
                Discount Rate Age 40$1,536$128

                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

                Insurance for a Chevrolet Camaro in Denver averages $2,490 per year, or around $208 per month, and ranges from $2,112 to $5,762.

                Get Rates in Your AreaWhy is this important?

                Chart Data Details: Average rates are for a 2022 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. Physical damage 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.Data last updated on December 30, 2021
                Chevrolet Camaro Insurance Cost in Denver
                Chevrolet Camaro Insurance Cost in Denver, CO
                Driver Risk Profile Annual Rate Monthly Rate
                High Risk Driver Age 30$5,646$471
                Safe Driver Age 20$4,944$412
                At-fault Accidents Age 40$3,524$294
                Low Deductibles Age 40$3,188$266
                Safe Driver Age 30$2,606$217
                Safe Driver Age 40$2,490$208
                Safe Driver Age 50$2,270$189
                Safe Driver Age 60$2,226$186
                High Deductibles Age 40$2,130$178
                Discount Rate Age 40$2,066$172

                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 $55 and $182 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 $482 per year. Being convicted of a crime such as a DWI could raise rates by an additional $1,684 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 $312 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 $288 per year versus a good rating of 670-739. Conversely, a credit score below 579 could cost as much as $334 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 $1,820 less per year to insure in Denver than a Acura NSX. Lower performance vehicles save money.