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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
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
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Aurora Car Insurance
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