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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.
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.
Here are the cheapest carriers in Arvada for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.
| Cheapest Companies | |
|---|---|
 Allstate | $114/mo |
 State Farm | $115/mo |
 Nationwide | $152/mo |
 Travelers | $218/mo |
 Liberty Mutual | $225/mo |
| Best Companies | ||
|---|---|---|
 American Family | $221/mo | |
 Safeco | $201/mo | |
Liberty Mutual | $268/mo | |
Travelers | $184/mo |
Colorado Cities | |
|---|---|
| Denver | $216/mo |
| Colorado Springs | $215/mo |
| Aurora | $228/mo |
| Fort Collins | $142/mo |
| Arvada | $176/mo |
| Colorado | $195/mo |
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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:
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 |
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.
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 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
