Who Has Cheap Denver Car Insurance for Single Moms?

The vehicle model requiring coverage is one of the largest considerations when trying to find the most affordable coverage for single moms. Vehicles with reasonable performance levels, advanced safety features, or a low likelihood of liability claims will cost less to insure than fast, unsafe models. The list below shows insurance premiums for a number of the most budget-friendly vehicles to insure in Colorado.

Cheapest Vehicles to Insure in Denver, CO
Vehicle Insured Estimated Cost for Full Coverage
Ford Explorer Eddie Bauer 2WD $1,491
Honda CR-V LX 4WD $1,520
Ford Escape Limited 2WD $1,554
Dodge Grand Caravan Hero $1,572
Toyota RAV4 Limited 4WD $1,580
Jeep Wrangler Sport 4WD 2-Dr $1,578
Honda Accord LX 4-Dr Sedan $1,630
Toyota Corolla LE $1,656
Ford Edge SE 2WD $1,672
Toyota Prius $1,682
Honda Civic Hybrid 4-Dr Sedan $1,685
Volkswagen Jetta 2.0T 4-Dr Sedan $1,690
Ford F-150 XLT Super Cab 2WD $1,706
GMC Sierra 3500HD SLE Regular Cab 2WD $1,716
Ford F-350 XLT Crew Cab Harley Edition 2WD $1,745
Ford Fusion SEL AWD 4-Dr Sedan $1,797
Toyota Camry LE $1,800
Hyundai Elantra Blue 4-Dr Sedan $1,860
GMC Sierra 2500HD SLT Extended Cab 2WD $1,881
Honda Odyssey EX-L $1,894
Dodge Ram Quad Cab Laramie 4WD $1,913
Chevrolet Malibu Hybrid $1,926
Toyota Tacoma Double Cab 4WD $1,933
Start Your Quote Go

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, multi-policy, and homeowner. Rate quotes do not factor in specific garaging location which can modify coverage prices significantly.

Based upon the rates shown, you can expect vehicles like the Ford Explorer, Honda CR-V, and Ford Escape are most likely going to be some of the cheaper vehicles to insure for single parents.

Establishing which company has the cheapest auto insurance rates for single moms will require a bit more effort than just getting one or two price quotes.

Each company uses their own method to set policy rates, so we’ll take a look at the most competitive auto insurance companies in Denver.

Compare Cheap Insurance Quotes for Single Moms

Click Here to Start Your Quote

Colorado car insurance ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $859
2 Grange $978
3 USAA $1,039
4 Nationwide $1,143
5 GEICO $1,176
6 Auto-Owners $1,204
7 Travelers $1,219
8 State Farm $1,246
9 American Family $1,314
10 Progressive $1,362
11 Amica $1,381
12 California Casualty $1,444
13 Allied $1,483
14 Farmers $1,565
15 Colorado Farm Bureau $1,576
16 MetLife $1,885
17 Allstate $1,994
18 Encompass $2,231
19 Safeco $2,547
20 Titan $2,711
Find Cheaper Rates Go

The Hartford may offer some of the best car insurance rates in Denver at around $859 a year. This is $719 less than the average rate paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO would also be considered some of the more affordable Denver, CO insurance companies.

As the example above demonstrates, if you buy coverage from Nationwide and switched to The Hartford, you might realize savings of approximately $284. Policyholders with GEICO may save as much as $317 a year, and Auto-Owners policyholders might reduce rates by $345 a year.

Bear in mind that those premium estimates are averaged across all insureds and vehicles and and are not figured with an exact location for single moms. So the car insurance company that fits your age and vehicle best may not even be in the list above. That’s why you need to quote rates from many companies using your own individual information.

One of the more important criteria that determine the annual cost of car insurance is where your car is garaged in Denver. Cities with larger populations or higher claim trends will most likely have higher rates, whereas areas with lower crime rates and fewer weather claims have the benefit of cheaper car insurance.

The next table rates the highest-priced places in Colorado for single moms in which to buy car insurance. Denver comes in at #2 with the annual price of $1,383 for the average insurance policy, which is about $115 each month.

How much is auto insurance in Denver, CO?
Rank City Premium Per Year
1 Pueblo $1,455
2 Denver $1,383
3 Lakewood $1,378
4 Aurora $1,361
5 Commerce City $1,354
6 Security-Widefield $1,343
7 Northglenn $1,342
8 Colorado Springs $1,316
9 Ken Caryl $1,287
10 Westminster $1,284
11 Centennial $1,278
12 Arvada $1,269
13 Thornton $1,268
14 Littleton $1,254
15 Castle Rock $1,248
16 Brighton $1,247
17 Highlands Ranch $1,241
18 Parker $1,233
19 Broomfield $1,203
20 Boulder $1,171
Find Cheaper Insurance Go

Annual rates are comparative as specific Denver zip code can decrease or increase insurance rates greatly.

The chart below shows how choosing a deductible can impact annual premium costs when searching for cheap insurance for single moms. The data is based on a single male driver, comp and collision included, and no additional discounts are factored in.

In the chart above, a 40-year-old driver could lower rates by $290 a year by increasing from a $100 deductible up to a $500 deductible, or save $436 by selecting a $1,000 deductible. Even younger drivers, such as the 20-year-old chart data, could lower their rates as much as $948 every year just by using higher deductibles. When using a larger deductible, it is necessary to have enough funds in savings to allow you to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Colorado auto insurance companies ranked

Selecting the best insurer can be difficult considering how many choices there are in Colorado. The ranking data in the lists below could help you choose which insurers to look at when shopping insurance around for single moms.

The ratings below are only made up of the companies with a significant amount of written premium nationwide, so companies that only write business in Colorado or surrounding areas are not included in the list. If you’d like to compare prices from many more Colorado auto insurance companies, simply click here.

Top Ten Auto Insurance Companies for Single Moms in Denver, CO
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

How violations and accidents impact rates

The common sense way to obtain good auto insurance prices in Denver for single parents is to drive attentively and avoid accidents and violations. The example below highlights how traffic violations and at-fault fender-benders can raise insurance costs for different age groups. The rate quotes are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no additional discounts are factored in.

The data charted above shows the average cost of an auto insurance policy in Colorado per year with no violations or accidents is $1,692. Get written up for two speeding tickets and the average cost jumps to $2,326, an increase of $634 each year. Now include one accident along with the two speeding tickets and the 12-month cost of auto insurance for single moms goes up to an average of $2,973. That’s an increase of $1,281, or $107 per month, just for not driving attentively!

If you have coverage questions and would like to have the advice of a professional agent when buying car insurance for single moms, the agents listed below can probably help you make a decision which car insurance policy is best.

To find a Denver insurance agent in your neighborhood, click the button after the list.

View more Denver, CO insurance agents