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 AUTO INSURANCE RATES
|Aurora Average (per year)||Colorado Average||United States Average|
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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.
AURORA AUTO INSURANCE RATES BY COMPANY
|Insurer||Average Yearly Rate|
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.
AURORA CAR INSURANCE PREMIUMS BY DRIVER AGE
|Age tier||Average Annual Rate|
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.
AURORA CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Yearly Rate|
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.
AURORA CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident||Average Annual Rate|
|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|
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.
AURORA AUTO INSURANCE PREMIUMS BY CREDIT LEVEL
|Credit Level||Average Rate (annual)|
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.
AVERAGE AURORA INSURANCE RATES BY ZIP CODE
|ZIP Code||Average 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, 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
Car Insurance Companies in Aurora
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
Wave Financial Partners
3025 S Parker Rd # 110, Aurora, CO 80014
Colorado Insurance Professionals , Inc
13693 E Iliff Ave Ste 115, Aurora, CO 80014
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