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Cheap Auto Insurance Quotes in Arvada, CO (January 2022)
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Last Updated: January 2022
Welcome to Arvada.
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. Search and save on the best car insurance policies in Arvada today.
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Car Insurance in Arvada, CO
The average cost of Colorado car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Arvada, CO to find you the cheapest quotes in the area.
$114
$115
$152
$218
$225
AllstateState FarmNationwideTravelersLiberty Mutual
See More: Cheap Car Insurance Colorado
See More: Compare Car Insurance
Cheapest Car Insurance in Arvada, CO
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Arvada | |
|---|---|
 Allstate | $114/mo |
 State Farm | $115/mo |
 Nationwide | $152/mo |
 Travelers | $218/mo |
 Liberty Mutual | $225/mo |
Best Car Insurance in Arvada, CO
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.
| Best Companies | ||
|---|---|---|
 American Family | $221/mo | |
 Safeco | $201/mo | |
Liberty Mutual | $268/mo | |
Travelers | $184/mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Denver | $216/mo |
| Colorado Springs | $215/mo |
| Aurora | $228/mo |
| Fort Collins | $142/mo |
| Arvada | $176/mo |
| Colorado | $195/mo |
$195
$216
$215
$228
$142
$176
ColoradoDenverColorado SpringsAuroraFort CollinsArvada
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Arvada, CO Driving Facts
Minimum Car Insurance Requirements in CO
Studies on the relationship between driver behavior and increasingly lax state laws on marijuana in Colorado have led to inconclusive results; however, marijuana-impaired highway deaths are reportedly in decline.
Colorado's minimum 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
Arvada Car Insurance Rates by Driver Age
Getting older in Arvada isn’t such a bad thing when you consider what seniors pay for their car insurance. The cheapest prices here are granted to those in their 80s, who pay an average of $156. Rates tend to be fairly similar for most other residents in Arvada, with the exception of those under the age of 20. The city’s youngest individuals behind the wheel are charged an average of $486, roughly double what most others tend to pay.
| Driver's Age | |
|---|---|
| teens | $487 |
| 20s | $258 |
| 30s | $216 |
| 40s | $208 |
| 50s | $223 |
| 60s | $200 |
| 70s | $198 |
| 80s | $157 |
| Driving History | |
|---|---|
| No Violation | $222 |
| Speeding Ticket | $260 |
| At-Fault Accident | $246 |
| Failure to Stop for Red Light / Stop Sign | $243 |
Arvada Car Insurance Rates by Driving and Accident History
While it’s never a good idea to intentionally tarnish your driving record, most Arvada residents won’t pay too much more for car insurance should an incident occur. A speeding ticket often boosts prices to $259 compared to $221 for those with a clean driving history. An at-fault accident and failing to stop at an intersection change a motorist’s insurance rates similarly, with prices increasing to $245 and $242, respectively.
See More: High-risk Car Insurance Colorado
See More: DUI Car Insurance Colorado
Arvada Car Insurance Rates by Credit Tier
Drivers in Arvada often find that their car insurance premiums are calculated using a number of factors; however, one’s credit rating doesn’t appear to be one of them. Arvada residents will likely pay anywhere between $216 and $238, whether their credit is poor, good, average, or excellent. This price difference isn’t really large enough to make much of an impact, so it’s important for motorists here to focus on other factors they can control.
| Credit Tie | |
|---|---|
| Excellent | $217 |
| Good | $239 |
| Average | $217 |
| Poor | $238 |
See More: Bad Credit Car Insurance Colorado
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 Public Transportation
Because of 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 transit system is run by the Regional Transportation District, or RTD. The G Line offers commuter rail services to 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 throughout the city. Ridesharing services like Uber and Lyft, plus traditional taxis, operate across Arvada.
Find local Arvada agents
Lakeside Insurance Center
7728 Vance Drive, Arvada, CO 80003
Holliway Insurance Agency, Inc.
5765 Olde Wadsworth Blvd Ste 20, Arvada, CO 80002
Altitude Insurance Agency
5701 Yukon St, Arvada, CO 80002
Alliance Insurance Group
7910 Ralston Rd, Arvada, CO 80002
McCann Insurance Office
5690 Webster st, Arvada, CO 80002
Insurance Connection of Colorado
7843 W. 62nd Way, Arvada, CO 80004
Menk Insurance Agency LLC
5977 Flora Way, Arvada, CO 80004
Insurance Connections Agency, Inc
9941 W 71st Avenue, Arvada, CO 80002
Commercial Insurance Services LLC dba CIS Insurance
8108 Ralston Rd., Arvada, CO 80002
David Rohweder Agency
12191 W 64th Avenue STE 102, Arvada, CO 80004
Insurify Insights: How Arvada Drivers Measure Up
Arvada, CO
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Arvada drivers measure up to their fellow Colorado motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Arvada
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Arvada drivers rank 1 in the number of car accidents per driver across all cities in Colorado.
- Rank within state: #1
- Percent of drivers in Arvada with an accident: 14.31%
- Drivers in Arvada, CO with an accident in their driving history paid on average 32.82% more than drivers with a clean record
Speeding in Arvada
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Colorado, Arvada drivers rank 6 in the number of speeding infractions per driver.
- Rank within state: #6
- Percent of drivers in Arvada with a speeding ticket: 14.93%
- Drivers in Arvada, CO with a speeding ticket in their driving history paid on average 33.33% more than drivers with a clean record
DUI/DWIs in Arvada
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Arvada drivers rank 7 in the number of DUI’s per driver across all cities in Colorado.
- Rank within state: #7
- Percent of drivers in Arvada with a DUI: 3.27%
- Drivers in Arvada, CO with a DUI in their driving history paid on average 14.36% more than drivers with a clean record
Most Popular Vehicle in Arvada
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Arvada is the Ford F-Series Pickup.
Rude Drivers in Arvada
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Colorado, Arvada drivers rank 3 in rude driving infractions.
- Rank within state: #3
- Percent of drivers in Arvada with a reckless driving violation: 3.99%
- Drivers in Arvada, CO with a reckless driving violation in their driving history paid on average 27.18% more than drivers with a clean record.
Safest Drivers in Arvada
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Arvada drivers rank 17 in clean driving records across all cities in Colorado.
- Rank within state: #17
- Percent of drivers in Arvada with clean record: 71.68%
Failure to Yield the Right of Way in Arvada
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Arvada drivers rank 4 in failure to yield violations per driver across all cities in Colorado.
- Rank within state: #4
- Percent of drivers in Arvada with a failure to yield violation: 0.72%
- Drivers in Arvada, CO with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record
Reckless Drivers in Arvada
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Colorado, Arvada drivers rank 7 in the number of reckless driving offenses per driver.
- Rank within state: #7
- Percent of drivers in Arvada with a reckless driving offense: 0.2%
Hybrid/Electric Vehicle Ownership in Arvada
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Arvada drivers rank 19 in hybrid and electric vehicle ownership across all cities in Colorado.
- Rank within state: #19
- Percent of drivers in Arvada with a hybrid/electric vehicle: 0.83%
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.
FAQs - Arvada, CO Car 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, flash lights, 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.
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 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 mandaded to File SR-22 insurance.
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.
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.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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