Who Has the Cheapest Denver Auto Insurance Quotes for Teenage Males?

The words “affordable” and “auto insurance” really shouldn’t be used in the same sentence, especially when looking for the best car insurance rates for teenage males. In an attempt to save some money, let’s lead off by showing you a few of the factors that determine auto insurance premiums, and find some ways to take the bite out of the next policy you buy.

One of the more important considerations that are looked at to determine the amount you pay for auto insurance is where you normally keep your vehicle in Denver. More densely populated places tend to have higher auto insurance costs, whereas areas with less congestion get the luxury of paying less.

The illustration below sorts the most expensive areas in Colorado for teenage males to buy auto insurance in. Denver is ranked at #2 with the yearly price of $1,397 for the average policyholder, which is about $116 each month.

How much does car insurance cost in Denver, CO?
Rank City Average Per Year
1 Pueblo $1,455
2 Denver $1,397
3 Aurora $1,361
4 Commerce City $1,354
5 Security-Widefield $1,330
6 Northglenn $1,329
7 Lakewood $1,324
8 Colorado Springs $1,316
9 Centennial $1,304
10 Arvada $1,295
11 Ken Caryl $1,287
12 Thornton $1,281
13 Highlands Ranch $1,279
14 Westminster $1,272
15 Castle Rock $1,261
16 Littleton $1,254
17 Brighton $1,247
18 Parker $1,233
19 Boulder $1,195
20 Broomfield $1,167
Get a Custom Quote Go

Premium costs are comparative as the specific geographic location can impact prices considerably.

Finding cheap car insurance is not always easy, and deciding which companies quote the best auto insurance rates for teenage males will take even more work.

Each auto insurer has a proprietary method to establish rates, so we’ll go over the auto insurance companies with the most affordable rates in Denver. It’s important that readers know that Colorado auto insurance rates are calculated based on many things that may substantially change the price you pay. Things like getting older, having a teen driver, or getting into an accident may cause policy rate changes that can make some companies more expensive than others.

Best Car Insurance Prices for Teens

Start Your Free Quote

Colorado auto insurance company rankings
Rank Company Cost Per Year
1 The Hartford $825
2 Grange $958
3 USAA $1,029
4 Nationwide $1,121
5 Auto-Owners $1,156
6 GEICO $1,176
7 Travelers $1,207
8 State Farm $1,259
9 American Family $1,262
10 Progressive $1,362
11 Amica $1,394
12 Allied $1,453
13 California Casualty $1,488
14 Colorado Farm Bureau $1,576
15 Farmers $1,629
16 MetLife $1,811
17 Allstate $1,994
18 Encompass $2,253
19 Safeco $2,447
20 Titan $2,711
Compare Rates Now Go

The Hartford has some of the cheapest car insurance rates in Denver at around $825 each year. This is $753 less than the average premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Auto-Owners also rank well as some of the lowest-priced Denver, CO insurance companies.

In this example, if you are currently insured with Nationwide and switched to The Hartford, you might achieve an annual premium reduction of approximately $296. Drivers with Auto-Owners may save as much as $331 a year, and GEICO policyholders might see rate reductions of $351 a year.

Understand that those policy rates are averaged for all drivers and vehicles and and are not figured with an exact location for teenage males. So the insurer that fits your needs best may not even be in the top 21 companies in the list above. That’s why you need to get quotes using your own specific driver information and vehicle.

Auto insurance companies ranked

Picking the best insurance company can be a challenge considering how many different companies insure vehicles in Denver. The rank data listed below may help you select which auto insurers you want to consider purchasing coverage from.

These ratings are only comprised of the largest auto insurers in America, so companies that have a smaller presence are not included in this list. To get price quotes from these top insurers and more, click this link.

Best 15 Auto Insurance Companies for Teenage Males in Colorado
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
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Compare Rates Now Go

Data Source: Insure.com Best Car Insurance Companies

Does full coverage make sense?

Saving money when shopping for auto insurance is probably important to the majority of people, and an effective way to pay lower rates for insurance for teenage males is to not pay for full coverage. The chart below shows the comparison of insurance rates with liability coverage only compared to full coverage. The prices are based on no claims or violations, $250 deductibles, drivers are single, and no discounts are taken into consideration.

Averaged for all age groups, full coverage on your policy costs an additional $2,040 per year more than carrying just liability coverage. At some point, almost every driver questions if paying for full coverage is worth it. There is no set rule to delete physical damage insurance, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the settlement you would receive from your company, then you might consider buying liability only.

Get discounts on Denver auto insurance

Discounts on auto insurance for teenage malesCar insurance companies that offer quotes for teenage males could also offer price discounts that can reduce rates by 35% or more if you can meet the requirements. A few popular companies and a selection of discounts are included below.

The information below illustrates the comparison of car insurance costs with and without discounts being applied to the rates. The premiums assume a female driver, no accidents or driving violations, Colorado state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with paperless filing, good student, vehicle safety, passive restraint, anti-theft, and paid-in-full discounts applied. With discounts applied, the average savings per year on auto insurance for teenage males is 28% or $498.

The insurance agencies below can help you determine which auto insurance coverages would be the best in your situation, as some drivers aren’t sure which coverage they need and prefer to have professional advice when shopping for cheaper insurance for teenage males. It can be challenging to find the best policy yourself, so a licensed agent can bring peace of mind knowing your policy gives you sufficient coverage for your assets. To find an auto insurance agency close to you, click the button link following the list.

Moody Insurance Agency
8055 E Tufts Ave #1000Denver, CO 80237(303) 824-6600

FUSA Insurance Agency
7900 E Union Ave #200Denver, CO 80237(303) 752-5806

Dagley Insurance and Financial Services Inc
2055 S Federal BlvdDenver, CO 80219(303) 975-1229

All Insurance Agency
67 Knox CtDenver, CO 80219(303) 935-3661

Austin Domsch – State Farm Insurance Agent
400 S Colorado Blvd #890Denver, CO 80246(303) 321-0895

More insurance agents in Denver, CO

How to find more affordable auto insurance for teenage males

It’s not impossible to find cheaper rates, and here are some penny-pinching suggestions that can help drivers quote cheap coverage.

That last idea is extremely important, as was discussed in the article above. Coverage prices change constantly, so drivers shouldn’t be reluctant to buy from a different company if a better deal can be had.

Brand loyalty is great, but we do not recommend it if your bullheadedness ends up costing you money that could be going to better use. Now is a great time to compare prices and find cheaper auto insurance for teenage males in Denver.