How much does car insurance cost in Aurora?


Auto insurance costs an average of $2,009 per year in Aurora. That's more than the average across Colorado ($1,757) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Aurora.


AURORA AUTO INSURANCE RATES
Aurora Average (per year)Colorado AverageUnited States Average
$2,009$1,757$1,548

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Aurora car insurance rates by company


One of the most important determinants of your car insurance rates is the insurance company you work with. In Aurora, USAA offers the cheapest rates for the average insurance customer. We've gathered the best cheap car insurance companies in Aurora below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.


AURORA AUTO INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
USAA$1,169
GEICO$1,266
State Farm$1,518
Allstate$2,038
Farmers$2,497

Consult our expert guide to finding the best cheap car insurance.



Aurora auto insurance rates by age

The best age for car insurance rates as a driver in Aurora is your 50s: drivers in this age group pay an average of $1,791per year. Those in their 60s don't pay much more ($1,818).

The Aurora drivers who pay the highest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Aurora is to age out of your teens. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Aurora is $4,641, the largest such difference between any two age brackets.


AURORA CAR INSURANCE PREMIUMS BY DRIVER AGE
Age tierAverage Annual Rate
Teenagers$7,181
20s$2,540
30s$1,958
40s$1,899
50s$1,791
60s$1,818
70s$2,158

Learn more about the impact of age on auto insurance rates.



Aurora car insurance premiums by gender and marital status


Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers usually pay less for car insurance than their single counterparts. In Aurora, married motorists pay $139 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Aurora, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect car insurance rates. In Aurora, female drivers pay more for auto insurance than do male drivers: $13 per year, to be precise.


AURORA CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Yearly Rate
Female$2,022
Male$2,009
Single$1,870
Married$1,870
Divorced$2,009
Widowed$1,919

Read more about the relationships between gender, marital status and insurance rates.



Aurora auto insurance costs by violation history


Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Aurora drivers found guilty of reckless driving face insurance rate increases of $735 per year, compared to the citywide average. A DUI violation may lead to a $691 increase, while a citation for speeding leads to a $352 rate hike.


AURORA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Annual Rate
DWI/DUI$2,700
Reckless Driving$2,744
At-fault Accident (damages < $1,000)$2,516
At-fault Accident (damages > $2,000)$2,842
Speeding Ticket (16-20 mph over speed limit)$2,361

Learn more about citations' impact on your auto insurance rates.



Aurora car insurance rates by credit score


Credit score is often closely correlated with car insurance costs. In Aurora, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 57% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Aurora, improving your credit to "Fair" could help you earn $1,416 in savings on insurance premiums each year.


AURORA AUTO INSURANCE PREMIUMS BY CREDIT LEVEL
Credit LevelAverage Rate (annual)
Very Poor$3,863
Fair$2,448
Good$2,009
Very Good$1,826
Exceptional$1,651

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



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 CodeAverage Rate
80010$2,062
80011$2,013
80012$2,055
80013$1,951
80014$2,019
80015$1,962
80016$1,896
80017$2,027
80018$2,009
80019$2,018
80045$2,011
80047$1,990
80247$2,101


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, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Aurora, you can expect 72 rainy days with an annual rainfall of 17 inches. Aurora is also known to experience severe winter storms.

72

Rainy Days a Year

17"

Avg. Annual Rainfall

52"

Avg. Annual Snowfall

Be Prepared For

Driving in Aurora

2
Major Highways
I-225 SH 83 SH 30
2
Public Transit
RTD Bus RTD Rail
2
Parking

City of Aurora Parking

Find Local Aurora Agents

CoWest Of Aurora

14211 E 4th Ave #210, Aurora, CO 80011

Wave Financial Partners

3025 S Parker Rd # 110, Aurora, CO 80014

Colorado Insurance Professionals , Inc

13693 E Iliff Ave Ste 115, Aurora, CO 80014

Align Group Insurance

3033 S Parker Rd Ste 120, Aurora, CO 80014

Not sure about Aurora

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2

$1,489

The average Aurora resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

238

That's equal to 238 cups of coffee or $596 in savings

See How Much You Can Save in Aurora

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Recent Questions:

Aurora Car Insurance

Registration grace period in Colorado?

If the vehicle is going to be driven or parked on any public roads, it needs to be registered immediately. To my knowledge, there is no such thing as a grace period for registration.