How Much Are Car Insurance Rates in Aurora?
It is common knowledge that Aurora has pricey premiums, as its mean premium is 13% higher than Colorado's average. Therefore if you are insuring a vehicle in Aurora, being knowledgeable about premiums is critical. Let's take a look at how auto insurance costs in Aurora compare to rates nationwide.
INSURANCE COSTS: AURORA VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Aurora Auto Insurance by Gender and Marital Status
In Aurora, both marital status and gender affect your car insurance rates. Individuals who are single spend around 5% more per year compared to those who are married. Rates for those who are widowed are moderately cheaper than rates for those who are single. Premiums for men and women tend to deviate by 3%, with men paying less.
AURORA CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Aurora Car Insurance by Age
Teenage drivers are the ones who pay the most in car insurance premiums, with average rates of $7,173. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance payments among any age group, with rates of $1,732 per year. Those in their 60s ($1,767) also have relatively low premiums. The biggest decline in premiums between any age group is from the teenage age range to the 20s, as drivers in Aurora start seeing a reduction in premiums of 65%. The first time drivers can anticipate their age to trigger a rise in insurance rates is when they turn 60.
AURORA AUTO INSURANCE COSTS BY AGE
Aurora Car Insurance for Drivers With At-Fault Accidents or Violations
Being knowledgable about which driving mishaps can make the expense of car insurance rates spike will help you make better decisions and save money. Reckless driving will increase your car insurance premiums more than other driving violations. In Aurora, drivers with a DUI have rates that exceed the city average ($1,874) by $853. Reckless driving will push your rates up as well, with average rates of $2,757. Insurance rates are affected by at-fault accident history, and more specifically, by the extent of the damage that resulted from the accidents. For those in Aurora with at-fault accidents in which damages exceeded $2,000, rates are an average of 15% more than at-fault accidents with damages less than $1,000.
AVERAGE AURORA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,383|
|At-fault Accident (damages greater than $2,000)||$2,734|
|Speeding Ticket (16-20 mph over speed limit)||$2,236|
Aurora Auto Insurance by Credit Level
Those with Very Poor credit (300-579) usually pay 2.5x more every year on premiums than those with Exceptional credit (800-850). Moving from Very Poor (300-579) to Fair (580-669) hands over the most significant reduction in premiums to drivers, as they save nearly $1,571 per year.
AURORA AUTO INSURANCE COSTS BY CREDIT LEVEL
|Credit Quality||Average Car Insurance Rate|
Aurora Car Insurance Rates by ZIP Code
One of the most important rating factors when insurers price what you pay for auto insurance is your location. The risks of living in a certain ZIP code are reflected through your premium; the more risk in your locale, the more you pay because of the likelihood of you needing to file a claim. See below for average rates in Aurora by ZIP code.
AVERAGE AURORA INSURANCE RATES BY ZIP CODE
|ZIP Code||Average Rate|
What drives up car insurance rates in Aurora?
Where you live in Aurora affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Aurora is no exception to the rule. From zip code 60504 to 80010, premiums rise by 69 percent—that’s $664.
Expensive Aurora Zip Codes: 80045, 80247, 80012, 80047, 80010
Cheap Aurora Zip Codes: 60504, 60502, 60564, 60503, 60506
Aurora Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Aurora, you can expect 72 rainy days with an annual rainfall of 17 inches. Aurora is also known to experience severe winter storms. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Aurora Agents
Colorado Insurance Professionals , Inc
13693 E Iliff Ave Ste 115, Aurora, CO 80014
Wave Financial Partners
3025 S Parker Rd # 110, Aurora, CO 80014
CoWest Of Aurora
14211 E 4th Ave #210, Aurora, CO 80011
Align Group Insurance
3033 S Parker Rd Ste 120, Aurora, CO 80014
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