One of the many components that determine the price you pay for insurance is where you call home. Regions with larger populations or more claims will most likely pay more, whereas areas with lower crime rates and fewer weather claims benefit from lower rates.
The table below ranks the highest-priced places in Colorado for felons to purchase a policy in. Denver makes the list at #2 costing $1,425 on average, which is around $119 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Pueblo | $1,440 |
| 2 | Denver | $1,425 |
| 3 | Lakewood | $1,365 |
| 4 | Aurora | $1,361 |
| 5 | Colorado Springs | $1,316 |
| 6 | Commerce City | $1,314 |
| 7 | Ken Caryl | $1,313 |
| 8 | Security-Widefield | $1,304 |
| 9 | Northglenn | $1,303 |
| 10 | Arvada | $1,295 |
| 11 | Littleton | $1,293 |
| 12 | Westminster | $1,284 |
| 13 | Thornton | $1,281 |
| 14 | Highlands Ranch | $1,267 |
| 15 | Centennial | $1,265 |
| 16 | Brighton | $1,235 |
| 17 | Parker | $1,220 |
| 18 | Castle Rock | $1,211 |
| 19 | Boulder | $1,207 |
| 20 | Broomfield | $1,167 |
| 21 | Greeley | $1,156 |
| 22 | Longmont | $1,144 |
| 23 | Grand Junction | $1,132 |
| 24 | Loveland | $1,074 |
| 25 | Fort Collins | $1,056 |
| Get a Custom Quote Go | ||
Premium amounts are approximated as the specific garaging location can revise auto insurance rates greatly.
The vehicle model that needs insurance is a significant factor in finding the cheapest coverage for felons. Vehicles with economical engines, advanced safety features, or a positive history of liability claims will cost much less to insure than high performance models. The information below illustrates insurance premiums for a selection of the most economical vehicles to insure in Colorado.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX-L 4WD | $1,468 |
| Hyundai Elantra SE Touring Station Wagon | $1,560 |
| Ford Escape Limited 2WD | $1,606 |
| Honda Accord LX 4-Dr Sedan | $1,619 |
| Toyota Tacoma 2WD | $1,665 |
| Ford Edge Limited 2WD | $1,673 |
| Chevrolet Equinox LS AWD | $1,698 |
| Jeep Grand Cherokee Laredo 4WD | $1,707 |
| Volkswagen Jetta S 4-Dr Sedan | $1,698 |
| Ford F-150 XL Super Cab 2WD | $1,722 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $1,749 |
| Ford Focus SEL 4-Dr Sedan | $1,757 |
| Ford Explorer Eddie Bauer 2WD | $1,764 |
| Honda Odyssey EX-L W/Navigation | $1,789 |
| Toyota Camry XLE | $1,798 |
| Toyota Prius | $1,795 |
| GMC Sierra SL Crew Cab 2WD | $1,819 |
| Nissan Rogue S AWD | $1,827 |
| Dodge Grand Caravan SE | $1,822 |
| Chevrolet Impala LT | $1,857 |
| Find Cheaper Rates Go | |
Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Premium amounts do not factor in garaging location in Denver, CO which can revise premium rates greatly.
Based upon the rates shown, you can presume that makes and models like the Honda CR-V, Hyundai Elantra, and Ford Escape will definitely be the most affordable vehicles to insure for felons.
Finding cost effective insurance is easier said than done, and figuring out which company has the cheapest insurance rates for felons will require even more perseverance.
Every insurance company has their own process for determining rates, so we need to take a look at the insurance companies that tend to be cheaper in Denver, CO.
Compare Cheap Insurance Quotes for Felons
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $850 |
| 2 | Grange | $987 |
| 3 | USAA | $999 |
| 4 | Nationwide | $1,155 |
| 5 | Auto-Owners | $1,156 |
| 6 | GEICO | $1,176 |
| 7 | Travelers | $1,183 |
| 8 | State Farm | $1,209 |
| 9 | American Family | $1,314 |
| 10 | Progressive | $1,322 |
| 11 | Amica | $1,353 |
| 12 | Allied | $1,439 |
| 13 | California Casualty | $1,488 |
| 14 | Colorado Farm Bureau | $1,576 |
| 15 | Farmers | $1,613 |
| 16 | MetLife | $1,866 |
| 17 | Allstate | $1,994 |
| 18 | Encompass | $2,187 |
| 19 | Safeco | $2,472 |
| 20 | Titan | $2,738 |
| Quote Your Rates Go | ||
The Hartford has some of the lowest car insurance rates in Denver at around $850 a year. This is $728 less than the average policy premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Auto-Owners also rank well as some of the best Denver, CO auto insurance companies.
In the above example, if you are currently insured with Nationwide and switched to The Hartford, you could realize an annual premium reduction of upwards of $305. Policyholders with Auto-Owners could save as much as $306 a year, and GEICO insureds might reduce rates by $326 a year.
It’s important to note that these policy prices are averaged across all insureds and vehicles and do not factor in an exact vehicle garaging location for felons. So the insurer that can offer you the best rate may not even be in the top 21 companies shown above. That is why you need to compare prices as often as possible using your own personal information and vehicle type.
Insurance companies ranked
Finding a high-quality auto insurance company can be rather challenging considering how many different companies insure vehicles in Denver. The rank data shown below can help you decide which insurers you want to consider when comparing rate quotes.
The rankings below only include companies who write in the majority of U.S. states, so companies that may only write in Colorado are not taken into consideration for the list. If you’d like to compare prices from these top insurers and more, follow this link.
Top 10 Major Auto Insurance Companies in Denver Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Nationwide
- Safeco
- Esurance
Top 10 Major Auto Insurance Companies in Denver Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
- The General
The example below demonstrates how deductibles can change annual premium costs when quoting cheap insurance for felons. The costs are based on a married female driver, full physical damage coverage, and no discounts are applied.
A 30-year-old driver could pocket $376 a year by increasing from a $100 deductible to a $500 deductible, or save $566 by choosing a $1,000 deductible. Young drivers, like the 20-year-old category, could drop their prices up to $802 or more by using higher deductibles when buying full coverage.
When increasing deductibles, it will be important to have enough funds in savings to be able to pay the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Get discounts on Denver auto insurance
Auto insurance companies that provide policies for felons may also provide rate discounts that may potentially lower prices by 25% or more if you are eligible. A list of insurance companies and the discounts they provide are:
- State Farm has savings for student away at school, defensive driving training, multiple autos, accident-free, anti-theft, and safe vehicle.
- Farmers Insurance includes discounts for youthful driver, bundle discounts, electronic funds transfer, pay in full, teen driver, business and professional, and distant student.
- GEICO may include discounts for air bags, anti-lock brakes, good student, anti-theft, five-year accident-free, military active duty, and driver training.
- American Family has discounts for good driver, air bags, defensive driver, mySafetyValet, bundled insurance, TimeAway discount, and good student.
- Nationwide discounts include multi-policy, Farm Bureau membership, business or organization, defensive driving, and good student.
- Progressive may offer discounts for multi-vehicle, homeowner, online signing, continuous coverage, online quote discount, multi-policy, and good student.
The diagram below illustrates the difference between yearly insurance costs with and without discounts applied to the policy rates. The prices are based on a female driver, no claims, a clean driving record, Colorado state minimum liability limits, full coverage, and $100 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with multiple vehicle, multiple policy, accident-free, safe-driver, defensive driving course, and marriage discounts applied. With discounts applied, theaverage yearly reduction on insurance for felons is 28% or $528.
How to find budget-friendly insurance for felons
It is possible to find better rates, and here are some penny-pinching ideas that can help Colorado drivers find lower-cost car insurance.
- The safer your car, the less it costs to insure
- Increase the comprehensive and collision deductibles on your policy
- Save money by insuring your home and auto with the same company
- Good credit scores may lower your rates
- Try to not file small claims
- Assess whether full coverage is needed
- Compare rates regularly to ensure the best deal
The last tip is notably critical, as was affirmed in the prior information. Prices charged by auto insurers can be modified anytime, so drivers shouldn’t be resistant to buy a policy from a new company if a better deal can be had. Brand loyalty is not necessarily bad, but it isn’t a good idea if that faithfulness ends up costing you potentially thousands of dollars a year. It takes less than five minutes to compare rates and find cheaper auto insurance for felons in Denver.
If you aren’t clear which coverage you need and would like to have a professional recommendation when trying to find the best insurance rates for felons, the agents listed below are a good start to answer your questions and help you decide which policy fits your needs best.
To find a Denver insurance agent nearest to you, click the button at the bottom of the list or click here to get price quotes now.
- Rick Emerson Jr. – State Farm Insurance Agent
4800 Happy Canyon Rd #230 – Denver, CO 80237 – (303) 781-1133 - Allstate Insurance: Jack Sughrue
3401 Quebec St Ste 9400 – Denver, CO 80207 – (303) 377-4767 - Affordable American Insurance-Lloyd Nguyen Agency
1834 S Sheridan Blvd – Denver, CO 80232 – (303) 936-7233 - Moschetti Michael – Isu Insurance Svc Of Co
950 17th St #1000 – Denver, CO 80202 – (303) 534-2133