Arvada, CO Car Insurance

How much does auto insurance cost in Arvada?


Car insurance coverage costs an average of $1,742 each year in Arvada. That's less expensive than the average across Colorado ($1,757) and more costly than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Arvada.


CAR INSURANCE: ARVADA RATES VS. STATE + NATIONAL AVERAGES
Arvada Average (annual)Colorado AverageNational Average
$1,742$1,757$1,548

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Arvada auto insurance premiums by company


One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, USAA offers Arvada's cheapest rates. See below the best companies for cheap auto insurance in Arvada — but don't forget to get personalized car insurance quotes to match your driving profile.


ARVADA CAR INSURANCE RATES BY COMPANY
CompanyAverage Annual Rate
USAA$1,060
GEICO$1,104
State Farm$1,340
Allstate$1,797
Progressive$2,199

Check out our guide to learn how to find the best cheap car insurance.



Arvada auto insurance premiums by age

Arvada drivers in their age_50s enjoy relatively affordable auto insurance rates, paying just $1,553per year, on average. Rates for Arvada drivers in their age_60s are also relatively affordable, at just $1,571 per year.

Teenage drivers pay Arvada's most expensive insurance rates. When Arvada drivers hit their 20s, their insurance rates drop substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Arvada is $3,966, the largest such difference between any two age groups.


ARVADA CAR INSURANCE RATES BY DRIVER AGE
AgeAverage Yearly Rate
Teenagers$6,163
20s$2,197
30s$1,698
40s$1,648
50s$1,553
60s$1,571
70s$1,855

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



Arvada car insurance rates by gender and marital status


In some cases, a driver's marital status and gender may affect their car insurance rates. In Arvada, married drivers pay $118 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Arvada, widowed drivers pay less than those who are single.

Gender is yet another factor that can affect auto insurance premiums. In Arvada, female drivers pay $11 per year more than do male drivers.


ARVADA CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Annual Rate
Female$1,753
Male$1,742
Single$1,624
Married$1,624
Divorced$1,742
Widowed$1,665

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



Arvada auto insurance premiums by driving history


No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Arvada, a reckless driving citation results in an average insurance rate increase of $636 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $605 increase and a speeding ticket triggers a $307 rate hike.


AVERAGE ARVADA INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Yearly Rate
DWI/DUI$2,346
Reckless Driving$2,377
At-fault Accident (damages less than $1,000)$2,173
At-fault Accident (damages greater than $2,000)$2,461
Speeding Ticket (16-20 mph over speed limit)$2,048

Learn more about the impact of driving violations on car insurance rates.



Arvada auto insurance rates by credit level


In many cases, a driver's credit level is closely correlated with their auto insurance rates. Arvada drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 57% on their car insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Arvada, improving your credit to "Fair" could help you earn $1,234 in savings on insurance premiums each year.


ARVADA AUTO INSURANCE RATES BY CREDIT SCORE
Credit LevelAverage Annual Rate
Very Poor$3,350
Fair$2,116
Good$1,742
Very Good$1,584
Exceptional$1,433

Learn more about the relationship between poor credit and car insurance.



Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a masters degree from Royal Holloway, University of London. He has been quoted by Kin Insurance, Safety.com, and autoinsuranceEZ.com.