As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

Click here for our full-length guide to Colorado car insurance quotes, discounts, and state requirements.

Car travel is the main mode of transportation for nearly one hundred and twenty thousand Arvada residents. Finding the right car insurance policy for you and your lifestyle is a vital step towards safe driving in Arvada. With all those cars on the road, a solid auto insurance policy is vital for every driver in this blizzard-prone city. With mountains to the north and city to the south, Arvada is sandwiched between some of the most beautiful landscapes in the country. So leash-up your puppy, strap on your boots and let’s hike our way to great savings.

Find cheap car insurance quotes for Arvada today.

For more city-specific car insurance details, check out our overviews of Aurora and Colorado Springs. 

Cheapest Car Insurance Quotes in Arvada

Here are the cheapest insurance companies in Arvada based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.

Insurance CompanyQuotes
Allstate$114/month
State Farm$158/month
Nationwide$152/month
Travelers$215/month
Liberty Mutual $225/month

USAA often offers the lowest car insurance rates to Colorado drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.

Best Car Insurance Companies in Arvada

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Arvada. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuotes
Allstate86$114/month
Nationwide84$152/month
State Farm83$115/month
Travlers81$225/month

Compare Average Premiums 

Insurance rates vary greatly from town to town. Arvada has lower average premiums compared to the state average, but higher than the natArvadaional. Keep the savings rolling and compare policies on Insurify today. 

Arvada Average Premium Colorado Average Premium National Average Premium
$176/month $195/month $131/month

Arvada Auto Insurance Requirements 

All vehicles on the roadways of Colorado are required to hold sufficient liability insurance

Liability coverage is a safety necessity. Check out this guide to the state minimum car insurance requirements.

Colorado‘s minimum coverage for liability car insurance limits are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation to your Arvada auto insurance rates.

Read more about Colorado car insurance requirements. 

Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances. 

For a free quote, compare auto insurance companies on Insurify. 

Arvada DMV Information 

Jefferson County, Colorado has multiple DMV outposts around the area. The opening hours vary between 8:30 AM and 6 PM with additional early morning, evening, and weekend hours. Some DMV services are offered online, including requesting duplicate registration cards, emissions waiver applications, and title change status. They also offer an online chat service to assist you which may enable you to skip your in-person DMV visit altogether. 

Arvada Auto Insurance FAQs 

Which company offers the cheapest auto insurance quotes in Arvada?

The best way to get the cheapest car insurance in Arvada and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

What are the penalties of driving uninsured in Arvada?

Driving uninsured puts yourself and the drivers and passengers in the cars around you in great danger. You should never drive uninsured. Penalties for driving uninsured are severe and may include driving privilege and vehicle registration suspensions, revocation of license plates, statutory fees, reinstatement fees, and Colorado State SR-22 requirements. 

What is the required insurance needs of Colorado drivers?

To legally drive in Colorado, vehicles must carry liability insurance, even if they are just parked on the road. Bodily injury and property damage coverage are required as the minimum coverage in the state. Supplemental coverage for further protection in the case of an accident can be obtained in the form of comprehensive, collision, loan/lease payoff, medical payments, rental car reimbursements, roadside assistance, and uninsured motorist protection. Insurance agencies offer these options for further coverage in the case of an accident caused by or involving your vehicle. As insurance products become more comprehensive, so does the protection. While cheap auto insurance is what some drivers are in the market for, other drivers prefer to have the highest coverage.

What happens if I get caught driving uninsured in Arvada?

Driving uninsured puts yourself, your passengers, your property, and everyone around you in danger- never drive uninsured. In the state of Colorado, if a driver is found to be driving uninsured, punishments can have major, costly, and long-term repercussions. For the first offense of driving without financial responsibility, drivers will receive four points on their license, hundreds in fines, and license suspension. They may also be mandated to File SR-22 insurance. 

How do I make sure my vehicle is ready for Arvada winter? 

Winter weather can have a big effect on driving in Arvada in the colder months. Firstly, follow local law enforcement’s instructions, suggestions, and driving bans. Keep a safety kit in your car with a shovel, snow broom, ice scraper, water, snacks, warm clothing, emergency flares, flashlights, batteries, and jumping cables. In serious storms, only travel by car in emergencies or when vitally necessary. It’s best to stay safe at home and not risk the dangers of a snowy drive. 

Public Transit in Arvada

Due to its close proximity to both Denver and Boulder, Arvada offers residents a wide array of public transit options connecting it to surrounding municipalities. Arvada’s public transportation system is run by the Regional Transportation District, or RTD. The G line offers commuter rail services into Denver— bus routes are also available. Longer distance Greyhound bus and Amtrak rail services operate stops throughout the city to a wider range of destinations. Still, residents may struggle to rely on public transport during stormy weather months. Even with these services, most Arvada residents drive cars in and around the city, over 96 percent of households own vehicles, leading to frequent traffic jams out of the city. Ridesharing services like Uber, Lyft, and traditional taxis operate across the Arvada

Conclusion: How to get the best and cheapest car insurance in Arvada

As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

With an estimated 13.3 percent of vehicles driving uninsured throughout Colorado, give yourself peace of mind with sufficient car insurance coverage. Don’t become just one more uninsured motorist—get quotes with Insurify to get the best coverage and rates for your car at a price that works for you.

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Updated June 4, 2020

Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.