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|
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
Align Group Insurance
3033 S Parker Rd Ste 120 Aurora, CO 80014
CoWest Of Aurora
14211 E 4th Ave #210 Aurora, CO 80011
Colorado Insurance Professionals , Inc
13693 E Iliff Ave Ste 115 Aurora, CO 80014
Wave Financial Partners
3025 S Parker Rd # 110 Aurora, CO 80014
The average Aurora resident's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Aurora
Just enter your zip code to get started
Aurora Car Insurance
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017
Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Digital Insurance Cards: Which States Accept Them?
May 19, 2017
You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017
A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017
Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....
4 Consequences of Driving without Insurance
Jan 27, 2017
If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...
The Rundown on “No Refusal” Weekends
Dec 20, 2016
The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016
Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016
We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016
Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...
Which States Have the Cheapest Car Insurance?
Aug 02, 2016
Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016
Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016
Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...