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 $1,880 per year, or around $157 per month, for a full-coverage policy.
  • Denver auto insurance costs $254 per year more than the Colorado state average and $313 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 $137 per month, Subaru Outback at $144, and Nissan Rogue at $153.
  • For cheap car insurance in Denver, small SUV models like the Mazda CX-5, Nissan Kicks, and Hyundai Venue rank very well for overall cost.

How much does car insurance cost in Denver?

In Denver, average auto insurance cost is $1,880 per year, which is 20% more than the national average rate of $1,567. Per month, Denver drivers can expect to pay an average of $157 for a full coverage policy.

In the state of Colorado, the average car insurance expense is $1,626 per year, so the average cost in Denver is $254 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, $56 per year less than in Lakewood, and $390 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 – $6,734 per year or $561 per month
  • 17 year old – $6,288 per year or $524 per month
  • 18 year old – $5,872 per year or $489 per month
  • 19 year old – $5,312 per year or $443 per month
  • 20 year old – $3,732 per year or $311 per month
  • 30 year old – $1,980 per year or $165 per month
  • 40 year old – $1,880 per year or $157 per month
  • 50 year old – $1,710 per year or $143 per month
  • 60 year old – $1,680 per year or $140 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 June 24, 2022
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$4,260$355
Safe Driver Age 20$3,732$311
At-fault Accidents Age 40$2,650$221
Low Deductibles Age 40$2,442$204
Safe Driver Age 30$1,980$165
Safe Driver Age 40$1,880$157
Safe Driver Age 50$1,710$143
Safe Driver Age 60$1,680$140
High Deductibles Age 40$1,590$133
Discount Rate Age 40$1,562$130

In the chart above, the cost of car insurance in Denver ranges from $1,562 per year for a 40-year-old driver who qualifies for most policy discounts to $4,260 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 $130 to $355 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 June 24, 2022
Denver Car Insurance Rates for Popular Vehicles
Denver Car Insurance Rates for Popular Vehicles
Make/Model Annual Rate Monthly Rate
Subaru Crosstrek$1,508$126
Subaru Forester$1,630$136
Honda CR-V$1,648$137
Ford Ranger$1,672$139
Honda HR-V$1,688$141
Toyota RAV4$1,778$148
Ford F150$1,820$152
Toyota 4Runner$1,834$153
Nissan Rogue$1,840$153
Toyota Corolla$1,848$154
Toyota Camry$1,850$154
Ford Bronco$1,888$157
Honda Pilot$1,908$159
GMC Sierra$1,918$160
Ford Mustang$1,982$165
Chevrolet Silverado$2,022$169
Jeep Grand Cherokee$2,074$173
Ram Truck$2,150$179
Jeep Wrangler$2,152$179

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 Nissan Kicks, Mazda CX-5, Buick Encore, and Toyota C-HR.

Average insurance rates for those compact SUVs cost $1,570 or less per year, or $131 per month, for full coverage car insurance.

A few other vehicles that rank well in our insurance cost comparison are the Kia Seltos, Subaru Forester, Toyota Corolla Cross, and Hyundai Kona. 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 $136 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
1Mazda CX-5$1,430$119
2Nissan Kicks$1,468$122
3Chevrolet Trailblazer$1,476$123
4Subaru Crosstrek$1,508$126
5Honda Passport$1,510$126
6Chevrolet Colorado$1,548$129
7Toyota C-HR$1,548$129
8Buick Encore$1,552$129
9Nissan Rogue Sport$1,570$131
10Hyundai Venue$1,596$133
11Buick Envision$1,600$133
12Kia Seltos$1,604$134
13Ford Maverick$1,610$134
14Acura RDX$1,612$134
15Subaru Ascent$1,616$135
16Toyota Corolla Cross$1,616$135
17Hyundai Kona$1,626$136
18Mazda MX-5 Miata$1,628$136
19Subaru Forester$1,630$136
20Subaru Impreza$1,630$136
21Volkswagen Tiguan$1,634$136
22Chevrolet Spark$1,638$137
23Honda CR-V$1,648$137
24Cadillac XT4$1,652$138
25Mazda CX-30$1,662$139
26Ford Ranger$1,672$139
27Honda HR-V$1,688$141
28Ford Edge$1,694$141
29Ford Ecosport$1,704$142
30Chevrolet Trax$1,724$144

    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 June 24, 2022
    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 June 24, 2022
    Average Denver Auto Insurance Rates by Vehicle Segment
    Denver Car Insurance Rates by Vehicle Segment
    Vehicle Segment Annual Rate Monthly Rate
    Compact SUV$1,756$146
    Midsize Pickup$1,806$151
    Minivan$1,892$158
    Midsize SUV$1,902$159
    Compact Car$1,934$161
    Midsize Car$1,958$163
    Half-ton Pickup$2,042$170
    Compact Luxury SUV$2,110$176
    Large SUV$2,122$177
    Compact Luxury Car$2,136$178
    Large Car$2,176$181
    Heavy Duty Pickup$2,242$187
    Midsize Luxury SUV$2,272$189
    Midsize Luxury Car$2,490$208
    Sports Car$2,654$221
    Large Luxury SUV$2,840$237
    Large Luxury Car$2,974$248

    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 Subaru Legacy at $1,824 per year for full coverage insurance up to the Kia Stinger at $2,218 per year.

    For another example, in the large truck segment, the average cost of insurance ranges from the Ford F150 costing $1,820 per year up to the GMC Hummer EV Pickup costing $2,392 per year, a difference of $572 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 Subaru Impreza at $1,630 per year, Chevrolet Spark at $1,638 per year, Volkswagen Golf at $1,808 per year, and Subaru Legacy at $1,824 per year.

    Other models that are affordable to insure are the Toyota Corolla, Kia K5, Honda Insight, and Nissan Sentra, with an average car insurance cost of $1,850 per year or less.

    Car insurance rates for this segment in Denver starts at an average of $136 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 Subaru Impreza at $1,630 per year ($136 per month) and ending with the Chevrolet Malibu at $1,954 per year ($163 per month).

    Cheapest Car Insurance in Denver
    Make/Model Vehicle Size Annual Cost Monthly Cost
    Subaru ImprezaCompact$1,630$136
    Chevrolet SparkCompact$1,638$137
    Volkswagen GolfCompact$1,808$151
    Subaru LegacyMidsize$1,824$152
    Volkswagen JettaCompact$1,826$152
    Honda InsightMidsize$1,828$152
    Nissan SentraCompact$1,834$153
    Kia K5Midsize$1,848$154
    Toyota CorollaCompact$1,848$154
    Toyota CamryMidsize$1,850$154
    Kia RioCompact$1,854$155
    Volkswagen PassatMidsize$1,858$155
    Honda CivicCompact$1,862$155
    Mazda 3Compact$1,870$156
    Mazda 6Midsize$1,872$156
    Toyota PriusCompact$1,880$157
    Hyundai AccentCompact$1,902$159
    Hyundai VelosterCompact$1,922$160
    Kia ForteCompact$1,924$160
    Chevrolet MalibuMidsize$1,954$163

      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 June 24, 2022
      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 $2,142 per year ($179 per month), the Volkswagen GTI at an average of $1,882 ($157 per month), and the Nissan Maxima at $2,048 ($171 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 Subaru Crosstrek, Nissan Kicks, Honda Passport, Chevrolet Trailblazer, and Mazda CX-5. Rates for these 2022 models average $126 or less per month.

      Rounding out the top 10 are SUVs like the Buick Envision, Buick Encore, Nissan Rogue Sport, and Toyota C-HR, with average cost of $1,600 per year or less.

      Car insurance in this segment can cost as low as $119 per month, depending on where you live.

      The most budget-friendly compact SUV to insure in Denver is the Mazda CX-5 at $1,430 per year. For midsize 2022 SUV models, the Honda Passport has the cheapest rates at $1,510 per year. And for full-size SUVs, the Chevrolet Tahoe is most affordable to insure at $1,890 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-5Compact$1,430$119
      Nissan KicksCompact$1,468$122
      Chevrolet TrailblazerCompact$1,476$123
      Subaru CrosstrekCompact$1,508$126
      Honda PassportMidsize$1,510$126
      Toyota C-HRCompact$1,548$129
      Buick EncoreCompact$1,552$129
      Nissan Rogue SportCompact$1,570$131
      Hyundai VenueCompact$1,596$133
      Buick EnvisionCompact$1,600$133
      Kia SeltosCompact$1,604$134
      Subaru AscentMidsize$1,616$135
      Toyota Corolla CrossCompact$1,616$135
      Hyundai KonaCompact$1,626$136
      Subaru ForesterCompact$1,630$136
      Volkswagen TiguanCompact$1,634$136
      Honda CR-VCompact$1,648$137
      Mazda CX-30Compact$1,662$139
      Honda HR-VCompact$1,688$141
      Ford EdgeMidsize$1,694$141

        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 June 24, 2022
        Cheapest SUV Insurance in Denver

        Some popular SUVs that cost more to insure than the models shown above include the Toyota 4Runner costing $1,834 per year ($153 per month), the Chevrolet Traverse costing an average of $1,936 ($161 per month), and the Nissan Pathfinder at an average of $1,900 ($158 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, Nissan Frontier, Ford Maverick, and Toyota Tacoma. Auto insurance prices for these 2022 models average $1,792 or less per year.

        Some other pickups that rank well include the Hyundai Santa Cruz, Honda Ridgeline, Ford F150, and Jeep Gladiator, with average rates of $1,850 per year or less.

        Full-coverage insurance for this segment in Denver starts at an average of $129 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 $1,548 per year ($129 per month) and ending with the GMC Sierra 3500 at $2,212 per year ($184 per month).

        Cheapest Pickup Insurance in Denver
        Make/Model Vehicle Size Annual Cost Monthly Cost
        Chevrolet ColoradoMidsize$1,548$129
        Ford MaverickMidsize$1,610$134
        Ford RangerMidsize$1,672$139
        Toyota TacomaMidsize$1,744$145
        Nissan FrontierMidsize$1,792$149
        Hyundai Santa CruzMidsize$1,808$151
        GMC CanyonMidsize$1,810$151
        Ford F150Full-size$1,820$152
        Honda RidgelineMidsize$1,834$153
        Jeep GladiatorMidsize$1,850$154
        GMC SierraFull-size$1,918$160
        Nissan TitanFull-size$1,986$166
        Chevrolet SilveradoFull-size$2,022$169
        Toyota TundraFull-size$2,022$169
        Ford F350 Super DutyHeavy Duty$2,042$170
        Chevrolet Silverado HD 3500Heavy Duty$2,056$171
        Nissan Titan XDHeavy Duty$2,112$176
        Ram TruckFull-size$2,150$179
        GMC Sierra 2500 HDHeavy Duty$2,192$183
        GMC Sierra 3500Heavy Duty$2,212$184

          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 June 24, 2022
          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 $1,732 per year, the Mercedes-Benz A220 at $1,850 per year, and the BMW 330i at $1,988 per year.

          Other luxury cars that have affordable average insurance rates are the Lexus RC 300, BMW 330e, Alfa Romeo Giulia, and BMW 230i, with an average car insurance cost of $2,088 per year or less.

          Ranked in the lower half of the top 20, models like the Mercedes-Benz AMG CLA45, Cadillac CT4, BMW i4, Genesis G70, and Cadillac CT5 average between $2,088 and $2,186 per year for insurance.

          Car insurance in Denver for this segment for the average driver will start around $144 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 $1,850 per year. For midsize luxury models, the Acura ILX is cheapest to insure at $1,732 per year. And for full-size luxury cars, the Audi A5 has the most affordable rates at $2,208 per year.

          The comparison table below ranks the twenty cars with the most affordable insurance in Denver, starting with the Acura ILX at $144 per month and ending with the Audi S3 at $182 per month.

          Cheapest Luxury Car Insurance in Denver
          Make/Model Vehicle Size Annual Cost Monthly Cost
          Acura ILXMidsize$1,732$144
          Mercedes-Benz A220Compact$1,850$154
          BMW 330iCompact$1,988$166
          Acura TLXCompact$1,998$167
          Volvo S60Compact$2,018$168
          BMW 330eCompact$2,026$169
          BMW 228iCompact$2,038$170
          BMW 230iCompact$2,052$171
          Lexus RC 300Midsize$2,084$174
          Alfa Romeo GiuliaCompact$2,088$174
          Cadillac CT4Compact$2,088$174
          Lexus RC 350Compact$2,094$175
          Genesis G70Compact$2,122$177
          Mercedes-Benz AMG CLA35Midsize$2,134$178
          BMW i4Midsize$2,146$179
          Cadillac CT5Midsize$2,152$179
          Audi A3Midsize$2,174$181
          Audi A4Compact$2,178$182
          Mercedes-Benz AMG CLA45Midsize$2,184$182
          Audi S3Compact$2,186$182

            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 June 24, 2022
            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 $1,612 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 $1,922 per year or less.

            Full-coverage auto insurance in this segment for an average middle-age driver starts at around $134 per month, depending on your location.

            The most affordable small luxury SUV to insure in Denver is the Acura RDX at $1,612 per year. For midsize 2022 models, the Cadillac XT5 has the best rates at $1,850 per year. And for large luxury SUVs, the Volvo XC90 has the cheapest rates at $2,036 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 $134 per month and ending with the Lincoln Corsair at $166 per month.

            Cheapest Luxury SUV Insurance in Denver
            Make/Model Vehicle Size Annual Cost Monthly Cost
            Acura RDXCompact$1,612$134
            Cadillac XT4Compact$1,652$138
            Volvo XC40Compact$1,810$151
            Cadillac XT5Midsize$1,850$154
            Lexus NX 250Compact$1,872$156
            BMW X1Compact$1,876$156
            Lexus NX 350hCompact$1,884$157
            Lexus UX 250hCompact$1,886$157
            Lexus NX 350Compact$1,918$160
            Lexus UX 200Compact$1,922$160
            Jaguar E-PaceMidsize$1,928$161
            Lexus RX 350Midsize$1,936$161
            Acura MDXMidsize$1,946$162
            Lincoln NautilusMidsize$1,964$164
            Lexus NX 450hCompact$1,970$164
            Mercedes-Benz GLB 250Compact$1,976$165
            Lexus RX 450hMidsize$1,984$165
            Infiniti QX50Midsize$1,990$166
            Land Rover EvoqueCompact$1,990$166
            Lincoln CorsairCompact$1,992$166

              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 June 24, 2022
              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 $1,628 per year. Second place is the Ford Mustang costing $1,982 per year, the third most affordable is the BMW Z4, at an average of $2,026 per year, and the fourth cheapest is the Subaru WRX, at an average of $2,138 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 $2,436 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 $136 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$1,628$136
              Ford MustangSports Car$1,982$165
              BMW Z4Sports Car$2,026$169
              Subaru WRXSports Car$2,138$178
              Toyota GR86Sports Car$2,192$183
              Toyota GR SupraSports Car$2,242$187
              Audi TTSports Car$2,290$191
              Subaru BRZSports Car$2,358$197
              Chevrolet CorvetteSports Car$2,370$198
              BMW M3Sports Car$2,436$203
              Porsche 718Sports Car$2,544$212
              Chevrolet CamaroSports Car$2,608$217
              Lexus RC FSports Car$2,668$222
              Dodge ChallengerSports Car$2,678$223
              Mercedes-Benz AMG GT53Sports Car$2,716$226
              Jaguar F-TypeSports Car$2,842$237
              Porsche TaycanSports Car$2,918$243
              Porsche 911Sports Car$2,988$249
              BMW M4Sports Car$2,994$250
              Lexus LC 500Sports Car$3,098$258

                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 June 24, 2022
                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

                With MSRP ranging from $32,790 to $73,105, average Denver car insurance quotes on a 2022 Ford F150 range from $1,570 per year on the F150 XL Regular Cab 4WD model up to $2,068 per year for the F150 Limited SuperCrew model.

                From a monthly standpoint, auto insurance on a 2022 Ford F150 can cost from $131 to $172 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 $1,510 to $4,108 per year, which is a difference of $2,598 per year just due changes in driver risk.

                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 June 24, 2022
                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$4,108$342
                Safe Driver Age 20$3,602$300
                At-fault Accidents Age 40$2,566$214
                Low Deductibles Age 40$2,350$196
                Safe Driver Age 30$1,910$159
                Safe Driver Age 40$1,820$152
                Safe Driver Age 50$1,654$138
                Safe Driver Age 60$1,624$135
                High Deductibles Age 40$1,546$129
                Discount Rate Age 40$1,510$126

                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 2022 Honda Civic to insure in Denver is the LX model, costing an average of $1,730 per year, or about $144 per month. This trim has a retail price of $22,350.

                The most expensive 2022 Honda Civic trim level to insure in Denver is the Type R, costing an average of $2,036 per year, or about $170 per month. The retail price for this trim level is $39,000, 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 $330 to $386 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.

                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 June 24, 2022
                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$4,198$350
                Safe Driver Age 20$3,680$307
                At-fault Accidents Age 40$2,624$219
                Low Deductibles Age 40$2,394$200
                Safe Driver Age 30$1,954$163
                Safe Driver Age 40$1,862$155
                Safe Driver Age 50$1,694$141
                Safe Driver Age 60$1,662$139
                High Deductibles Age 40$1,586$132
                Discount Rate Age 40$1,546$129

                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 $1,840 per year, ranging from a low of $1,694 per year on the Rogue S 2WD trim level (MSRP of $26,050) up to $1,984 per year on the Rogue Platinum AWD (MSRP of $37,230).

                On a monthly basis, car insurance on the Nissan Rogue can cost from $141 to $165 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 $1,528 to $4,178 per year, which is a difference of $2,650 to insure the same vehicle using different rated drivers.

                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 June 24, 2022
                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$4,178$348
                Safe Driver Age 20$3,662$305
                At-fault Accidents Age 40$2,602$217
                Low Deductibles Age 40$2,376$198
                Safe Driver Age 30$1,934$161
                Safe Driver Age 40$1,840$153
                Safe Driver Age 50$1,678$140
                Safe Driver Age 60$1,648$137
                High Deductibles Age 40$1,566$131
                Discount Rate Age 40$1,528$127

                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 $1,850 per year, with rates ranging from a low of $1,728 per year for the Camry LE trim level up to $2,032 per year for the Camry XSE Hybrid.

                From a monthly standpoint, auto insurance for a Toyota Camry for an average middle-age driver can range from $144 to $169 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 $1,538 to $4,186 per year, which is a cost difference of $2,648 to insure the same vehicle using different rated drivers.

                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 June 24, 2022
                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$4,186$349
                Safe Driver Age 20$3,670$306
                At-fault Accidents Age 40$2,602$217
                Low Deductibles Age 40$2,418$202
                Safe Driver Age 30$1,952$163
                Safe Driver Age 40$1,850$154
                Safe Driver Age 50$1,684$140
                Safe Driver Age 60$1,652$138
                High Deductibles Age 40$1,556$130
                Discount Rate Age 40$1,538$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

                Chevrolet Camaro insurance in Denver costs an average of $2,608 per year, with a range of $2,406 per year on the Camaro 1LT Convertible model (MSRP of $32,695) up to $2,966 per year for the Camaro ZL1 Coupe trim (MSRP of $64,195).

                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 $452 to $564 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 $2,162 to $5,896 per year, which is a difference in cost of $3,734 based on different drivers.

                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 June 24, 2022
                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$5,896$491
                Safe Driver Age 20$5,164$430
                At-fault Accidents Age 40$3,680$307
                Low Deductibles Age 40$3,346$279
                Safe Driver Age 30$2,732$228
                Safe Driver Age 40$2,608$217
                Safe Driver Age 50$2,372$198
                Safe Driver Age 60$2,328$194
                High Deductibles Age 40$2,224$185
                Discount Rate Age 40$2,162$180

                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 $56 and $196 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 $490 per year. Being convicted of a crime such as a DWI could raise rates by an additional $1,720 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 $318 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 $295 per year versus a good rating of 670-739. Conversely, a credit score below 579 could cost as much as $342 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 $1,666 less per year to insure in Denver than a Acura NSX. Lower performance vehicles save money.