8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Save up to $717 by comparing quotes from the top 100+ insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Cheapest recent rates near Aurora, Colorado
Drivers using Insurify have found quotes as cheap as $53/mo for liability only and $99/mo for full coverage in Aurora and other Colorado cities.
*Quotes generated for Insurify users in and around Aurora, Colorado within the last 10 days. Last updated on April 18, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Aurora, Colorado within the last 10 days. Last updated on April 18, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 18, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Located just east of the capital of Denver, Aurora, Colorado, is the third-largest city in the state. While the former frontier town has a mild climate, Aurora drivers pay an overall average monthly cost of $176 for car insurance, which is more expensive than the state average of $148 per month.
Aurora’s higher auto insurance rates could be due to its high population and proximity to Denver, which has very high vehicle theft rates. Shopping for the right car insurance can be daunting, from comparing coverages to finding an affordable rate.
Here’s how to compare quotes and find the best auto insurance Aurora has to offer.
Quick Facts
State Farm, USAA, and American Family have the cheapest car insurance in Aurora.
Liability coverage in Aurora costs an average of $105 per month, and full coverage costs $248 per month.
Aurora drivers pay a yearly average of $2,972 for full-coverage car insurance.
3 of the cheapest car insurance companies in Aurora
To make finding the right car insurance for you a little easier, Insurify compiled a list of the best auto insurance companies in Aurora, taking into account average monthly rates and Insurify Quality (IQ) Scores. Keep in mind that the best auto insurance company for you will depend on your unique situation and insurance needs.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
State Farm
4.5
$98
$47
Cheap rates
USAA
4.5
$127
$61
Military members and their families
American Family
4.3
$135
$65
Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$57/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$115/mo
State Farm is one of Aurora’s cheapest companies for full-coverage auto insurance. It offers a variety of coverage and discount options and is a good fit for all age groups.
Pros
Competitive pricing, with many available discounts
Personalized service from a network of local agents
Cons
Policy purchasing not available online — only through an agent
Generally poor ratings from many trusted review sites
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$73/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$150/mo
USAA offers a variety of insurance policies for military members, veterans, and their families. You need to be a member before you can buy its insurance, but it provides some of the best rates in the country.
Pros
Robust mobile app allows for easy claims filing, policy access, and customization
Available in all 50 states, the District of Columbia, U.S. territories, and some international locations
Cons
Only covers passenger vehicles and trucks — motorcycle, ATV, RV, boat, or personal watercraft policies not available
Not accessible to people without a connection to the U.S. military
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$78/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$159/mo
American Family has been in business for nearly a century and offers a variety of coverage options and discounts.
Pros
Savings of up to 23% available through auto and home insurance policy bundling
Usage-based programs help safe and infrequent drivers save on car insurance
Cons
Poor ratings from customers reviews on Trustpilot — many of which mention poor claims handling
It was good for several years, then the price went up.
David - March 28, 2024
Verified
Horrible
They increase your policy's cost double even without any accidents or tickets.
How to get the cheapest car insurance in Aurora
Car insurance companies consider several factors when setting your car insurance rates. Some of those factors are mostly outside your control, such as your age, repair costs in your area, marital status, crime rates, and the rates of auto accidents and vehicle thefts in your ZIP code.
But you do have some control over other factors, so here are a few tips for residents of Aurora looking for the best rate on cheap car insurance:
Drive safely. Insurers often reward lower premiums to people who demonstrate safe driving habits. Avoiding accidents and traffic violations can help keep rates low by showing insurers you’re a reliable driver.
Consider higher deductibles. Increasing your deductible can lower your overall premium because you’re on the hook for covering more of the costs if you have a claim. Just make sure you can afford to pay it if you need to.
Take advantage of discounts. Many insurance companies offer discounts that can help bring down your premium, such as bundling auto with your homeowners insurance, renters insurance, or life insurance, insuring multiple vehicles on the same policy, installing anti-theft devices in your motor vehicle, or taking a defensive driving course. Talk to your agent about the discounts available to see which ones you might qualify for.
Find Cheap Car Insurance in Aurora, Colorado
Liability rates start at $57 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Aurora: State Farm
Liability-only car insurance is a type of policy that covers only the other party’s bodily injury and property damage costs in the event of an accident — not damage to your own vehicle. These policies are often attractive to owners of older vehicles looking for a lower rate while still meeting the state’s minimum requirements for car insurance.[1]
Liability insurance costs an average of $105 per month in Aurora. The insurers below offer affordable liability rates in the city.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Aurora: State Farm
Full-coverage auto insurance is a type of policy that covers both your own property damage costs, as well as the liability and property damage costs of the other party in an accident. This coverage makes sense if you drive frequently, especially if you drive a late-model or new vehicle that would be expensive to repair or replace.[1]
Aurora drivers pay a monthly average of $248 for full-coverage policies. The companies in the table below offer affordable full-coverage rates in Aurora.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in Colorado
Colorado state law requires all automobile owners in the state to carry liability insurance in the form of bodily injury coverage and property damage coverage.
The only exception to this requirement applies to people with more than 25 vehicles registered in their name. They can apply to the state insurance commissioner to qualify as a self-insurer by providing proof that they can pay the state-mandated minimum coverages without insurance.[2]
Colorado requires the following minimum coverages:
Coverage
Minimum Requirements
Bodily injury liability
$25,000 per person / $50,000 per accident
Property damage liability
$15,000 per accident
You may also want to purchase optional insurance products in addition to basic coverage. Consider the following important coverage options when shopping for cheap insurance:
Collision coverage
Collision insurancecovers the costs of damage to your car resulting from a collision with another vehicle or object.
Comprehensive coverage
Comprehensive insurance covers the cost of damage to your car resulting from events other than collisions, such as theft, fire, hail, or vandalism.
Medical payments coverage
Medical payments (MedPay) orpersonal injury protection (PIP) coverage pay for medical expenses incurred by you and passengers in your vehicle due to a covered accident.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage protects you if you’re hit by a driver without insurance or a hit-and-run driver. Underinsured motorist coverage applies when someone doesn’t have high enough limits to pay the total costs of your bodily injury or property damage.
Gap coverage
Gap insurance pays the difference between the fair market value of your vehicle and how much you owe on the auto loan if your vehicle is totaled.[3]
Cheapest car insurance for drivers with an incident
An incident is an event that can affect the cost of your car insurance, such as getting in an at-fault accident, getting a speeding ticket, driving under the influence (DUI), or other moving violations. Incidents on your driving record tend to increase your car insurance rates because they indicate that you’re a risky driver.
Find Car Insurance in Aurora, CO
Monthly rates start at $68 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Several companies in Aurora, Colorado, offer competitive rates for people with a speeding ticket on their driving record.
Aurora drivers with a speeding ticket pay a monthly average of $155 for liability coverage and $365 for full coverage.
This table lists some insurance companies with affordable monthly rates for Aurora residents who have received a speeding ticket.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
If you have an at-fault accident on your driving record, you may be understandably worried about finding affordable car insurance. Drivers in Aurora with an accident on their record pay an average of $146 per month for minimum coverage.
The following table lists the cheapest car insurance companies for Aurora drivers who have been involved in an at-fault accident.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Finding affordable car insurance after a DUI can be challenging, as many insurers will increase your rates significantly or even deny drivers with DUIs coverage altogether. After a DUI in Colorado, you’ll have to get SR-22 insurance — a certificate from your insurance company proving you have the minimum required insurance coverage.[4]
Liability-only insurance for Aurora drivers with a DUI costs $167 per month, on average. The price of a full-coverage policy increases to $394 per month.
The following table shows the cheapest car insurance companies in Aurora for drivers with DUIs.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Experienced drivers tend to be safer on the road, so insurance rates usually decrease around age 35. But they typically increase again around age 70. Drivers 70 and older are involved in more fatal car crashes per mile traveled than middle-aged drivers, according to the Insurance Institute for Highway Safety (IIHS). Insurers raise rates to account for that increased risk.[5]
Senior drivers in Aurora pay $69 per month, on average, for a liability policy.
This table lists the companies with the lowest average monthly car insurance costs for senior drivers in Aurora.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Auto insurance rates for teen drivers are much higher than those for adults. Teen drivers have little driving experience, and immaturity can lead them to take risks behind the wheel, making them a higher accident risk.[6]
Liability-only insurance costs teen drivers in Aurora an average of $190 per month, and full coverage costs $448 per month.
Some ways to find savings include keeping teen drivers on their parents’ insurance policy, ensuring they’re assigned to a safe vehicle, and taking advantage of discounts, such as those for being a good student and taking defensive driver courses.
The table below shows companies offering the lowest monthly prices for auto insurance for teens.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Find Car Insurance in Aurora, Colorado
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Aurora car insurance quotes by credit tier
The state of Colorado allows insurers to consider credit history when underwriting auto insurance policies. Credit scores can affect car insurance rates significantly, as insurers use them to evaluate risk. Drivers with excellent or good credit scores generally receive lower rates than drivers with poor credit.
The table below shows the average Aurora car insurance premiums by credit tier to help you better understand how your credit score can affect your rate.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Aurora?
The national average auto insurance rate is $158 per month — less expensive than Aurora’s average of $176.
Part of that difference might be due to Colorado’s terrain. Aurora’s proximity to the picturesque Rocky Mountains makes it an excellent destination for skiers, snowboarders, and other winter sports enthusiasts. But it also means its roadways are subject to snow and ice, which can cause accidents and lead to higher repair costs.
More cities in Colorado
Below, you’ll find average car insurance quotes in some other Colorado cities.
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Aurora car insurance FAQs
Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about car insurance in Aurora.
How much is car insurance in Aurora?
Aurora drivers pay an average of $105 per month for liability insurance and $248 per month for full coverage, according to Insurify data.
Which company has the cheapest car insurance in Aurora?
State Farm has the cheapest car insurance in Aurora, with monthly liability rates as low as $57. USAA and American Family also offer affordable coverage, with respective monthly liability rates of $73 and $78.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Aurora?
The best car insurance company in Aurora is State Farm, due to its affordable premiums, top-rated customer service, and excellent financial strength. Other top companies include USAA and American Family.
What factors affect the cost of car insurance in Aurora?
Your insurance rates depend on factors like your age, gender, driving history, and more, as well as where you live. Some locations may have higher insurance rates if they have higher populations, more accidents, more car thefts, or a higher rate of uninsured drivers.
How much car insurance do you need in Aurora, Colorado?
Colorado drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability insurance, as well as $15,000 per accident in property damage liability insurance.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
)
)
){kind=logo}
){kind=logo}
){kind=logo}
){kind=small}
)
)
){kind=small}
)
)
State Farm
USAA
American Family
)
)
)
)
)
)
)