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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.
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 | Quotes |
|---|---|
 Allstate | $114/mo |
 State Farm | $115/mo |
 Nationwide | $152/mo |
 Travelers | $218/mo |
 Liberty Mutual | $225/mo |
| Best Companies | Quotes | |
|---|---|---|
 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 | Avg. Monthly Cost |
|---|---|
| teens | $487 |
| 20s | $258 |
| 30s | $216 |
| 40s | $208 |
| 50s | $223 |
| 60s | $200 |
| 70s | $198 |
| 80s | $157 |
| Driving History | Avg. Monthly Cost |
|---|---|
| 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 | Avg. Monthly Cost |
|---|---|
| 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.
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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.
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Arvada stacks up for the state of Colorado:
