Get Car Insurance Quotes in Aurora, CO
How much does car insurance cost in Aurora?
Aurora drivers can anticipate paying an average of $1,233 for a six-month car insurance policy, which equates to $206 per month. According to our 2023 data, USAA has the cheapest rates in Aurora, offering six-month policies for $789 or $132 per month. Aurora's average rate is below the Colorado state average of $1,085 every six months, as well as the national average of $742.
Our research indicates that 40%% of our Aurora customers are paying too much for their car insurance. We have compiled information on the factors that influence car insurance rates in Aurora and ways to potentially lower your premium.
|Car Insurance in Aurora vs. Colorado||Avg. 6 Mo. Premium|
The cheapest car insurance companies in Aurora
USAA is the cheapest auto insurer in Aurora at $132 per month or $789 for a six-month policy. But USAA car insurance is only available to members, so be sure to check your eligibility.
In second place is State Farm, which costs $146 per month (or $877 for a six-month term).
Rounding out the list is Colorado Farm Bureau as the third-cheapest insurance company in Aurora. On average, a CO Farm Bureau policy in Aurora costs $954 per six-month policy.
Are you paying too much for auto insurance?
Aurora car insurance rates by company
If you're looking for full coverage auto insurance in Aurora that won't break the bank, consider USAA if you qualify for their membership. Based on our 2023 data, their six-month policy costs just $789, which comes out to $132 per month. Another cost-effective option if you aren't eligible for USAA is State Farm, with a monthly payment of $146 or a total of $877 for a six-month policy. Find out more about the top-rated car insurance companies from The Zebra's Customer Satisfaction Survey.
Cheapest car insurance companies in Aurora, CO
Dynamic auto insurance data methodology
Methodology: The auto insurance rates displayed above and throughout this page are dynamic, meaning the data will refresh when the most recent information is made available. Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage. This profile was adjusted based on common pricing factors used by major car insurance companies, like age, coverage level, driving record and others.
Shop around for the best rates
The most straightforward method to save money on your auto insurance is by comparing rates from different companies. The Zebra is your go-to resource for this task. You only need to provide your ZIP code to start comparing the rates of the leading insurance companies such as Allstate, Progressive, GEICO, and more. In Aurora, The Zebra can help you locate the ideal cheap auto insurance that provides the right coverage for your needs.
Average car insurance in Aurora by rating factor
Several factors impact the price of car insurance, and some are beyond your control, while others are not. Rating factors are individual characteristics that pertain to your profile, such as age, claims history, and credit score. Although companies typically consider the same factors, they may assign varying degrees of importance to them. For instance, one insurer may place greater emphasis on your credit score, whereas another might concentrate more on previous claims.
Remember that the right coverage and insurance company for you can shift over time. As you accumulate more driving experience and age, your profile changes. It's vital to obtain new quotes on your auto insurance from time to time to ensure that you're still receiving the best rates.
Q: I didn't have an accident — Why is my insurance going up?
A: In Aurora, end-of-year earnings directly affect car insurance rates as they compare the revenue generated from premiums to the cost of paying out claims. Regardless of your driving history or claims record, insurers may adjust their rates to accommodate the increasing expenses of conducting business in certain areas.
Auto insurance premiums by age in Aurora
When it comes to determining car insurance rates, age is one of the most important factors. Insurance providers use data to identify the age group most likely to file claims. Teen drivers, with their high number of accidents, face the most expensive premiums. In Aurora, for a six-month policy, teenage drivers pay $2,827 more than those in their 20s. This is a 178% increase, and it is the most significant price difference between any two age groups for a new car insurance policy.
It can be surprising to learn how expensive it is to insure a young driver. However, it's important to remember that insurance companies need to offset the cost of paying claims. They charge the riskiest drivers higher rates to keep their business going, knowing that accidents will occur.
Cheapest car insurance companies for teen drivers in Aurora, CO
Auto insurance premiums for minimum coverage in Aurora
Selecting the level of coverage for your auto insurance is one seemingly insignificant detail that has an enormous impact on the amount you'll pay. When you're searching for a new policy, the options can be overwhelming, so it's essential to take your time and consider your specific needs. Our research has found that 32% of Aurora drivers have the minimum coverage required by the state. Although this meets the legal requirement set by Colorado, it also means that you're more vulnerable if you get into an accident.
If you choose to include collision coverage or comprehensive coverage (known as "full coverage" when you have both), your rates will increase significantly. However, by choosing the deductible that is best suited to your needs, you may have more control over your costs. The higher your deductible, the cheaper your rates will be. If you prefer a smaller deductible, then you'll pay a higher premium.
When it comes to insurance premiums, roadside assistance and uninsured motorist coverage are two additional factors to consider. They offer added peace of mind. Uninsured motorist coverage can be particularly beneficial in situations where drivers do not carry auto insurance or do not have adequate coverage. Although these extras will result in a higher rate, it is worth considering them since The Zebra recommends carrying them for unexpected situations where extra support is needed for both you and your car.
Cheapest car insurance companies for minimum coverage in Aurora, CO
- Minimum: State liability coverage only
- Basic: State liability + collision and comprehensive (full) coverage
- Better: Better liability limits at 50/100/50. Full coverage included with towing and rental car benefits. May include additional personal medical benefits and uninsured/underinsured motorist coverage.
- Best: Best liability limits at 100/300/50. Full coverage included with better towing and rental car benefits and better personal medical benefits and increased uninsured/underinsured coverage.
The minimum level of coverage is the most popular with our customers in Aurora, but it might not be right for you. We also understand that carrying the state minimum coverage is a budget-friendly solution, but it can leave you at serious risk. Colorado's 25/50/15 liability limits provide coverage for damage you cause up to $25,000 per person in bodily injury, $50,000 per accident in bodily injury and $15,000 for property damage. This would most likely be sufficient for a minor incident or fender-bender, but when bodily injury or multiple vehicles are involved, it could leave you in a precarious position.
Learn more about insurance laws in Colorado.
Aurora car insurance rates by credit score
The relationship between your credit score and your car insurance rates may not be immediately apparent, but it is stronger than you may think. In Colorado, like in many other states, credit score is considered to be a factor in determining insurance premiums. This is because drivers with lower credit scores are more prone to filing claims, have more frequent lapses in their car insurance coverage, and generally take more risks while driving. As a result, insurance companies are compelled to take these factors into account when setting their rates.
To comprehend the impact of credit score differences on insurance rates, take note that Aurora drivers with a poor credit score (300-579) pay 99% more compared to drivers with an excellent credit score (800-850). This statistic is startling! However, our data indicate that the majority of Aurora drivers have a credit score that is average (580-679). For drivers in this credit range, USAA is the most cost-effective insurance company.
Cheapest car insurance companies for bad credit in Aurora, CO
Auto insurance rates with an at-fault accident
At-fault accidents and collisions are the most common types of insurance claims. An at-fault accident in 2023 raised Aurora's average car insurance rates by between $50 and $100 per month, which is up to 48% higher than the rate for accident-free drivers. USAA is the least expensive insurance company in Aurora for those who have been in at-fault accidents, but State Farm and Colorado Farm Bureau are less than $10 more each month in case you don't qualify.
To keep your auto insurance rates affordable, maintaining a clean driving record by avoiding accidents and citations is critical, regardless of where you live. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents can all result in rate increases. Depending on the type of citation or ticket, your premium will be affected for several years. Typically, at-fault accidents and speeding tickets remain on your record for three to five years, while DUIs or DWIs can have a longer-lasting impact.
Cheapest car insurance companies after an at-fault accident in Aurora, CO
Aurora car insurance rates by violation
Below you can see how much different violations and claims will increase your rate in Aurora.
Car insurance rate increases after violations and citations in Aurora, CO
|Accident/Violation||Avg. 6 Mo. Premium||% Rate Increase||$ Rate Increase|
|One Med/PIP claim||$1,239||0%||$5|
|Two Med/PIP claims||$1,266||3%||$32|
|One comp claim||$1,268||3%||$34|
|Two comp claims||$1,313||6%||$79|
|Failure to wear a seat belt||$1,353||10%||$119|
|Failure to show documents||$1,375||11%||$141|
|Child safety restraint||$1,375||11%||$141|
|Driving without lights||$1,379||12%||$145|
|Driving with expired registration||$1,427||16%||$193|
|Texting while driving||$1,453||18%||$219|
|Cell phone violation||$1,468||19%||$234|
|Failure to yield||$1,484||20%||$250|
|Failure to stop at a red light||$1,484||20%||$250|
|Following too closely||$1,485||20%||$251|
|Driving too slowly||$1,486||20%||$252|
|Speeding 6 - 10 MPH over limit||$1,497||21%||$263|
|Speeding 11 - 15 MPH over limit||$1,502||22%||$268|
|Speeding 16 - 20 MPH over limit||$1,502||22%||$268|
|Wrong way/wrong lane||$1,508||22%||$274|
|Speeding in school zone||$1,515||23%||$281|
|At-fault accident - less than $1000||$1,518||23%||$284|
|Passing school bus||$1,538||25%||$304|
|In 65 MPH zone||$1,603||30%||$369|
|Operating a vehicle without permission||$1,613||31%||$379|
|Speeding 21 - 25 MPH over limit||$1,634||32%||$400|
|At-fault accident - $1000-$2000||$1,831||48%||$597|
|At-fault accident - greater than $2000||$1,831||48%||$597|
|Driving with a suspended license||$1,960||59%||$726|
|Refusal to submit to a chemical test||$2,129||73%||$895|
|Leaving scene of an accident/hit and run||$2,262||83%||$1,028|
Why is car insurance in Aurora so expensive?
Car insurance is costly in Aurora for a myriad of reasons. One such reason is the high cost of living in the city, which prompts car insurance companies to up their prices to meet expenses. But, that is not all - besides the extent of your coverage, credit report, and driving history, various other factors have an impact on your insurance premiums. Keep reading to understand why car insurance in Aurora is so expensive, no matter your driving profile.
Car insurance premiums are greatly influenced by your place of residence, especially if you live in Aurora. Your location, along with your driving history and credit score, is one of the biggest factors that contribute to the cost of your insurance.
The rate of crime and theft, as well as the number of uninsured motorists, varies depending on the ZIP code. Some areas of the city are more prone to criminal activity, making them more risky for insurance companies. Consequently, if you reside (and drive) in a high-crime neighborhood, you will likely have to pay more for auto insurance than someone who resides in a safer part of town.
Expensive Aurora ZIP codes: 80010, 80247, 80011, 80012, 80017
Cheap Aurora ZIP codes: 80016, 80018, 80047, 80015, 80019
The damage caused by weather-related perils can and has bankrupted insurance companies. Because of this risk, it’s expensive for auto insurance companies in certain geographical locations to do business. As such, they will raise their rates to anticipate further weather-related losses. Damage to your vehicle caused by flooding is covered under your comprehensive coverage, and flooding can happen just about anywhere, including the Aurora area.
Although you may be an extremely safe driver with an outstanding driving history, insurance premiums aren't always within our grasp. Based on our information, around 31% of drivers in Aurora are not insured at the moment. Even though this is not the highest percentage compared to other cities, it is still substantial. If you are involved in a collision with an uninsured driver, you may be liable for any damages.
Bundling insurance policies in Aurora
Although car insurance rates are climbing, you can still find ways to save. One way is to bundle your home and auto insurance policies to take advantage of potential discounts. It's not uncommon for policyholders to get discounts of up to 10%, which makes this a great option for anyone who wants to save money without compromising their coverage.
If your home and auto policies are separate, it only takes a few minutes to inquire about bundling. When you're shopping around for insurance, be sure to explore bundling options that can help you keep your costs down.
Cheapest car insurance companies for bundling home and auto insurance in Aurora, CO
Even though some things may be beyond your control, drivers have the ability to enhance their profiles to make them more attractive to insurance companies. The most valuable advice we can offer is to conduct research and compare quotes from numerous auto insurance providers to find the most affordable rate that meets your coverage and service requirements. This is particularly crucial if there have been any changes in your personal circumstances, such as moving, celebrating a birthday, or improving your credit score. Bear in mind that certain insurers are more expensive than others, so don't be hesitant to switch providers.
Find the best rates for both auto and home insurance in minutes!
Frequently asked questions
How much is car insurance in Aurora?
The typical cost of a six-month auto insurance policy in Aurora is $1,233, equating to a monthly payment of $206. These figures exceed the national and Colorado state averages.
What is the cheapest car insurance in Aurora?
Among all carriers in Aurora, USAA is the best option for those seeking affordable rates. Their six-month policy average of $789 is unbeatable in terms of cost. However, USAA car insurance is only available to members, so State Farm is a good option if you don't qualify for USAA.
How much is car insurance in Aurora for teenagers?
Aurora's six-month policy for teenage drivers costs over $4,415, equivalent to $736 per month. Experts suggest adding them to a parent's policy because getting their own insurance is so expensive.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.