Cheap Auto Insurance Quotes in Arvada, CO (2021)

Browse. Compare. Discover. Let Insurify find the best car insurance deals for you in The Centennial State.

Loading...

Compare vs Insurify

loading

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.

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. 

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.

Loading Chart

Cheapest Car Insurance in Arvada, CO

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.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Arvada. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Loading Chart

Click here to learn about car insurance quotes and save on your current policy.

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
colorado

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 AgeAvg. Monthly Cost
teens$487
20s$258
30s$216
40s$208
50s$223
60s$200
70s$198
80s$157
Driving HistoryAvg. Monthly Cost
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.

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 TieAvg. Monthly Cost
Excellent$217
Good$239
Average$217
Poor$238

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.

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.

Insurify Rankings

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:

ford
Ford F-Series Pickup
Most Popular Car in
Arvada, CO
suspended licenses
#7
Cities with Most
Suspended Licenses Rank

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.