Car Insurance in Aurora

Premiums in Colorado are relatively equivalent to national rates, as its premiums are within $8 of the national average. Going over some ways to save on Aurora car insurance can save you money.

  • City Average: $1,581
  • State Average: $1,435
  • National Average: $1,427

Aurora Car Insurance by Gender and Marital Status

Car insurance premiums in Aurora differ based on driver attributes such as gender and marital status. You spend approximately 6% more per year if you're single or divorced as opposed to married. Rates for those who are widowed are relatively cheaper than rates for those who are single. Premiums for men are normally 3% cheaper than for women.

  • Female: $1,628
  • Male: $1,581
  • Single: $1,581
  • Married: $1,496
  • Divorced: $1,581
  • Widowed: $1,518

Aurora Car Insurance by Credit Rating

For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums more than double. Drivers will see the biggest percent reduction in premiums when they upgrade their credit from Good (670-739) to Very Good (740-799). That change can save them 19% per year.

  • Very Poor: $3,067
  • Fair: $2,568
  • Good: $2,086
  • Very Good: $1,683
  • Exceptional: $1,375

Aurora Car Insurance by Accident or Violation History

Maintaining an untainted driving record is imperative if you want to keep the cost of car insurance premiums minimal. $845 is the additional cost per year for drivers with a DUI in Aurora, compared to the city average of $1,581. Reckless driving will also push your rates up, with average rates of $2,394! Nobody plans on getting into an accident, but stuff happens, so be aware of what one can do to your rates. $764 is the amount by which you can expect your annual insurance premiums to rise in Aurora if you have an at-fault accident on your driving record.

  • DUI: $2,426
  • Reckless Driving: $2,394
  • At-fault Accident (damages less than $1000): $2,345
  • At-fault Accident (damages greater than $2000): $2,345
  • Speeding Ticket (16-20 mph over speed limit): $1,923

Aurora Car Insurance by Age

At $1,451, drivers in their 50s have the lowest insurance rates among any age group. Those in their 60s ($1,487) aren’t paying much more. The biggest decline in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Aurora start saving $4,208. Car insurance premiums for drivers in Aurora continue to fall through their 50s, but they can expect to pay more when they turn 60. With car insurance payments of $6,352 on average, teenage drivers have the largest premiums of any age group.

  • Teenagers: $6,352
  • 20s: $2,144
  • 30s: $1,554
  • 40s: $1,527
  • 50s: $1,451
  • 60s: $1,487
  • 70s: $1,830

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.

72

Rainy Days a Year

17"

Avg. Annual Rainfall

52"

Avg. Annual Snowfall

Be Prepared For

Driving in Aurora

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

Find Local Aurora Agents

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

Colorado Insurance Professionals , Inc

13693 E Iliff Ave Ste 115 Aurora, CO 80014

See All

Not sure about Aurora

Check out these other Colorado cities...

Denver

Colorado Springs

$1,489

The average Aurora resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

238

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

See How Much You Can Save in Aurora

Click below to get free quotes in seconds!

Start Saving Now!
Additional Resources:

Aurora Car Insurance

Criminal Background Checks for Rideshare Drivers: Do You Believe in Second Chances?
Criminal Background Checks for Rideshare Drivers: Do You Believe in Second Chances?
Oct 10, 2017

If you knew your Uber or Lyft driver was convicted of a crime, would you still hitch a ride? What...

7 Spooky Halloween Road Trips to Creep You Out
7 Spooky Halloween Road Trips to Creep You Out
Sep 29, 2017

Forget pumpkin spice – bring on scary movie season! As the weather starts to cool and leaves begin to turn,...

How to Protect Yourself and Your Home Against Wildfires
How to Protect Yourself and Your Home Against Wildfires
Aug 21, 2017

Ever used the expression “spread like wildfire?” Fire is an incredible force of nature, and while it has its uses...

Electric Vehicle Prices Down, But Americans May Not Be Ready to Dump the Pump
Electric Vehicle Prices Down, But Americans May Not Be Ready to Dump the Pump
Aug 04, 2017

A recent Bloomberg article made a bold claim: By 2038, electric vehicles could make up to one-third of all vehicles...

Zipcar vs. car2go: Which Car Sharing Service is King?
Zipcar vs. car2go: Which Car Sharing Service is King?
May 09, 2017

Over the past few years, car sharing has taken the world by storm. Car sharing businesses are now operating in...

#ZebraChat on April 4: Distracted Driving Awareness Twitter Chat
#ZebraChat on April 4: Distracted Driving Awareness Twitter Chat
Mar 29, 2017

April is Distracted Driving Awareness Month. Here at Quoted, we’ve written about this highly dangerous behavior in great detail. Here...

4 Fall Foliage Road Trips You’ll Love
4 Fall Foliage Road Trips You’ll Love
Sep 30, 2016

Though summer fun might be behind us, there’s a lot to look forward to this autumn: the famous latte with...

The Dash Cam: Should You Have One in Your Car?
The Dash Cam: Should You Have One in Your Car?
May 16, 2016

Dash cam footage has quickly become another source of evidence for everyone from drivers to police officers to the general...

When to Drop Your Child from Your Insurance Policy
When to Drop Your Child from Your Insurance Policy
Mar 03, 2016

Every parent dreams of the day their kids graduate from school, move into their own homes, make their ways in...

The Latest on Marijuana & Driving
The Latest on Marijuana & Driving
Jan 13, 2016

Marijuana legalization is gradually taking root throughout the U.S. as more states loosen restrictions on the formerly outlawed substance. Now,...

Hit and Runs: What You Need To Know
Hit and Runs: What You Need To Know
Oct 06, 2015

Some traffic incidents cause heart pounding reactions, like stolen cars, car accidents, and near-misses, but unsurprisingly, hit-and-runs can be one...

Are 1 in 7 Drivers Forced to Drive Illegally?
Are 1 in 7 Drivers Forced to Drive Illegally?
Aug 27, 2015

Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...

Auto Repair: How to Choose a Mechanic
Auto Repair: How to Choose a Mechanic
Jun 04, 2015

Finding a repair shop and mechanic you trust to both fix your car well and not take you for a...

How Marijuana Legalization Has Affected Driving
How Marijuana Legalization Has Affected Driving
Apr 20, 2015

As of November 9, 2016, there are 28 states and the District of Columbia that have legalized marijuana in some...

Metromile and Uber: An Insurance Solution?
Metromile and Uber: An Insurance Solution?
Jan 29, 2015

We’ve written about Metromile and we’ve written about the insurance gap for rideshare drivers, but this week brought an interesting...

Would You Paint Your Thumb Red to Stop Texting and Driving?
Would You Paint Your Thumb Red to Stop Texting and Driving?
Jun 04, 2014

We’ve written here at Quoted about the powerful pyschological motivations behind texting and driving, but we’ve yet to dive into...

Aw, Hail No
Aw, Hail No
May 23, 2014

Just before 4 p.m. in eastern Pennsylvania, the skies darkened as temperatures plummeted. Shoppers in a mall in Wyomissing heard a...