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Kristine Lee

Manager, Content and Data

  • Licensed Insurance Agent — Property and Casualty

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

How much does car insurance cost in Aurora?

Auto insurance costs an average of $2,009 per year in Aurora. That's more than the average across Colorado ($1,757) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Aurora.

Aurora Average (per year) Colorado Average United States Average
$2,009 $1,757 $1,548

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Aurora car insurance rates by company

One of the most important determinants of your car insurance rates is the insurance company you work with. In Aurora, USAA offers the cheapest rates for the average insurance customer. We've gathered the best cheap car insurance companies in Aurora below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.

Insurer Average Yearly Rate
USAA $1,169
GEICO $1,266
State Farm $1,518
Allstate $2,038
Farmers $2,497

Consult our expert guide to finding the best cheap car insurance.

Aurora auto insurance rates by age

The best age for car insurance rates as a driver in Aurora is your 50s: drivers in this age group pay an average of $1,791per year. Those in their 60s don't pay much more ($1,818).

The Aurora drivers who pay the highest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Aurora is to age out of your teens. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Aurora is $4,641, the largest such difference between any two age brackets.

Age tier Average Annual Rate
Teenagers $7,181
20s $2,540
30s $1,958
40s $1,899
50s $1,791
60s $1,818
70s $2,158

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

Aurora car insurance premiums by gender and marital status

Marital status and gender are contributing factors to car insurance rates in many cases. Married drivers usually pay less for car insurance than their single counterparts. In Aurora, married motorists pay $139 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Aurora, insurance rates for those who are widowed are less expensive than rates for those who are single.

Gender is another factor that can affect car insurance rates. In Aurora, female drivers pay more for auto insurance than do male drivers: $13 per year, to be precise.

Marital Status/Gender Average Yearly Rate
Female $2,022
Male $2,009
Single $1,870
Married $1,870
Divorced $2,009
Widowed $1,919

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

Aurora auto insurance costs by violation history

Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most costly citations to receive are DUI and reckless driving. Aurora drivers found guilty of reckless driving face insurance rate increases of $735 per year, compared to the citywide average. A DUI violation may lead to a $691 increase, while a citation for speeding leads to a $352 rate hike.

Incident Average Annual Rate
DWI/DUI $2,700
Reckless Driving $2,744
At-fault Accident (damages < $1,000) $2,516
At-fault Accident (damages > $2,000) $2,842
Speeding Ticket (16-20 mph over speed limit) $2,361

Learn more about citations' impact on your auto insurance rates.

Aurora car insurance rates by credit score

Credit score is often closely correlated with car insurance costs. In Aurora, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 57% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Aurora, improving your credit to "Fair" could help you earn $1,416 in savings on insurance premiums each year.

Credit Level Average Rate (annual)
Very Poor $3,863
Fair $2,448
Good $2,009
Very Good $1,826
Exceptional $1,651

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

Aurora car insurance rates by ZIP Code

One of the most important rating factors when insurers price what you pay for auto insurance is your location. The risks of living in a certain ZIP code are reflected through your premium; the more risk in your locale, the more you pay because of the likelihood of you needing to file a claim. See below for average rates in Aurora by ZIP code.

ZIP Code Average Rate
80010 $2,062
80011 $2,013
80012 $2,055
80013 $1,951
80014 $2,019
80015 $1,962
80016 $1,896
80017 $2,027
80018 $2,009
80019 $2,018
80045 $2,011
80047 $1,990
80247 $2,101

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, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Aurora, you can expect 72 rainy days with an annual rainfall of 17 inches. Aurora is also known to experience severe winter storms.


Rainy Days a Year


Avg. Annual Rainfall


Avg. Annual Snowfall

Be Prepared For

Driving in Aurora

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

City of Aurora Parking

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

Colorado Insurance Professionals , Inc

13693 E Iliff Ave Ste 115, Aurora, CO 80014

Align Group Insurance

3033 S Parker Rd Ste 120, Aurora, CO 80014


The average Aurora resident's annual cost of coverage


Our customer's average savings after comparing insurance



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

See How Much You Can Save in Aurora

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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.