The words “low-priced” and “insurance” really should not be used together, in particular when you are trying to find the best coverage prices for uninsured drivers. Because of the high cost, let’s get started by showing you a few of the factors that determine car insurance prices, and come up with some ideas to slash the price of the next policy you buy.
Establishing which companies offer the cheapest auto insurance rates for uninsured drivers involves a little more effort than just picking a company at random.
Each auto insurer has a different process for setting rates, so to begin we’ll rank the auto insurance companies that tend to have lower prices in Colorado. We do need to point out that Denver auto insurance rates are impacted by many factors which can substantially decrease or increase the price you pay. Improving your credit rating, moving across town, or getting a ticket for running a stop sign can trigger price changes that can cause some rates to be much cheaper than others.
Best Cheap Insurance Rates in Colorado
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $825 |
| 2 | Grange | $949 |
| 3 | USAA | $1,009 |
| 4 | Nationwide | $1,109 |
| 5 | Travelers | $1,171 |
| 6 | GEICO | $1,187 |
| 7 | Auto-Owners | $1,192 |
| 8 | State Farm | $1,209 |
| 9 | American Family | $1,301 |
| 10 | Amica | $1,353 |
| 11 | Progressive | $1,376 |
| 12 | California Casualty | $1,444 |
| 13 | Allied | $1,483 |
| 14 | Colorado Farm Bureau | $1,592 |
| 15 | Farmers | $1,613 |
| 16 | MetLife | $1,811 |
| 17 | Allstate | $2,076 |
| 18 | Encompass | $2,231 |
| 19 | Safeco | $2,547 |
| 20 | Titan | $2,738 |
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The Hartford generally has some of the best car insurance rates in Denver at around $825 annually. Grange, USAA, Nationwide, and Travelers would also be considered some of the most economical Denver, CO auto insurance companies.
As shown above, if you currently buy coverage from Travelers and switched to Grange, you may see an annual premium reduction of roughly $222. Colorado drivers with GEICO could save as much as $238 a year, and Auto-Owners policyholders might lower prices by up to $243 a year.
To find out how much you can save, click here to start your custom quote or visit several of the following companies.
Understand that those rates are averaged for all types of insureds and vehicles and and are not figured with a specific zip code for uninsured drivers. So the car insurance company that is best for you may not even be in the top 21 companies shown above. That emphasizes why you need to get auto insurance quotes using your own driver and vehicle profiles.
One of the many criteria that help determine the amount you pay each year for auto insurance is the neighborhood you call home. Areas with increased crime or more people tend to pay more, whereas areas with fewer weather claims and lower vehicle theft rates benefit from lower prices.
The information below shows the most costly cities in Colorado for uninsured drivers to purchase a policy in. Denver shows up at #1 with an annual rate of $1,425 for coverage, which is approximately $119 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Denver | $1,425 |
| 2 | Aurora | $1,417 |
| 3 | Pueblo | $1,397 |
| 4 | Commerce City | $1,368 |
| 5 | Lakewood | $1,337 |
| 6 | Centennial | $1,317 |
| 7 | Thornton | $1,307 |
| 8 | Northglenn | $1,303 |
| 9 | Arvada | $1,295 |
| 10 | Security-Widefield | $1,291 |
| 11 | Ken Caryl | $1,287 |
| 12 | Colorado Springs | $1,277 |
| 13 | Westminster | $1,272 |
| 14 | Littleton | $1,267 |
| 15 | Parker | $1,257 |
| 16 | Castle Rock | $1,248 |
| 17 | Brighton | $1,247 |
| 18 | Highlands Ranch | $1,241 |
| 19 | Boulder | $1,207 |
| 20 | Broomfield | $1,179 |
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Rate information is estimated as specific Denver garaging address can decrease or increase rates substantially.
The car, truck, or SUV on the policy is one of the biggest factors in finding the best insurance for uninsured drivers. Vehicles with high performance engines, poor safety features, or a high likelihood of having liability claims will cost significantly more to insure than more modest models.
The list below outlines car insurance prices for the cheapest automobiles to buy coverage for.
| Vehicle Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 4WD | $1,342 |
| Toyota Prius | $1,454 |
| Chevrolet Equinox LT AWD | $1,556 |
| Toyota RAV4 2WD | $1,561 |
| Ford Explorer Limited 2WD | $1,587 |
| Ford Escape XLT 4WD | $1,649 |
| Honda Civic Hybrid 4-Dr Sedan | $1,670 |
| Jeep Grand Cherokee Limited 4WD | $1,678 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,691 |
| Toyota Tacoma 4WD | $1,697 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $1,699 |
| Chevrolet Impala LS | $1,751 |
| Kia Optima SX | $1,779 |
| Chevrolet Malibu LS | $1,785 |
| Dodge Ram 2500 Mega Cab SLT 4WD | $1,808 |
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Data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Rates do not factor in vehicle garaging location which can affect insurance rates significantly.
Looking at the data, cars like the Honda CR-V, Toyota Prius, Chevrolet Equinox, and Toyota RAV4 will definitely be the most affordable vehicles to insure for drivers with no prior coverage.
How accidents and violations affect rates in Denver
The ideal way to find the best auto insurance prices for drivers with no prior coverage is to drive safe and avoid at-fault accidents and violations. The example below highlights how speeding tickets and at-fault claims can raise insurance costs for each different age group. The rates are based on a single female driver, full coverage, $250 deductibles, and no discounts are factored in.
In the example above, the average cost of an auto insurance policy in Denver per year with no accidents or violations is $1,933. Factor in two speeding tickets and the average cost rises to $2,601, an increase of $668 each year. Next add two accidents along with the two speeding tickets and the yearly cost of auto insurance for uninsured drivers jumps again to an average of $4,954. That’s an increase of $3,020, or $252 per month, just for not driving carefully!
Ending up with the best auto insurance company can be a challenge considering how many different insurance companies sell coverage in Denver. The ranking data displayed below could help you pick which auto insurers you want to consider purchasing a policy from. These rankings only include companies that write coverage in many states, so smaller regional companies are not taken into consideration for the list.
Top 10 Major Auto Insurers in Denver Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- Allstate – 88%
- 21st Century – 88%
- The General – 88%
Get discount Denver insurance
Auto insurance companies that offer quotes for uninsured drivers may provide premium discounts that could reduce prices by as much as 40% or more if you are eligible for them. A list of auto insurance companies and the discounts they provide are detailed below.
- State Farm includes discounts for accident-free, good student, Steer Clear safe driver discount, multiple autos, multiple policy, and anti-theft.
- Nationwide policyholders can earn discounts including multi-policy, defensive driving, easy pay, business or organization, Farm Bureau membership, anti-theft, and accident-free.
- GEICO has discounts for multi-policy, seat belt use, military active duty, emergency military deployment, driver training, anti-theft, and multi-vehicle.
- AAA offers discounts for good driver, multi-car, anti-theft, pay-in-full, good student, education and occupation, and AAA membership discount.
- 21st Century discounts include driver training, good student, 55 and older, defensive driver, anti-lock brakes, and theft prevention.
- The Hartford has savings for bundle, defensive driver, driver training, vehicle fuel type, air bag, good student, and anti-theft.
The diagram below illustrates the comparison of premium costs with and without some available policy discounts. The rate quotes are based on a male driver, no violations or accidents, Colorado state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with defensive driving course, safe-driver, marriage, accident-free, claim-free, and multiple policy discounts applied. When drivers qualify for the discounts, the average savings per year on auto insurance for uninsured drivers is 28% or $626.