Cheapest Auto Insurance in Aurora, Colorado (2025)
State Farm offers the cheapest car insurance in Aurora, with minimum-coverage policies as low as $78 per month.
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Written byJanet Berry-Johnson
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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.
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Edited byDanny Smith
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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.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
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.
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Table of contents
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 $180 for car insurance, which is more expensive than the state average of $144 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, Progressive, and Mile Auto have the cheapest car insurance in Aurora.
Liability coverage in Aurora costs an average of $122 per month, and full coverage costs $237 per month.
Aurora drivers pay a yearly average of $2,847 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-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| State Farm | 9.3 | $114 | $61 | Cheap rates |
| USAA | 9.1 | $147 | $79 | Military members and their families |
| American Family | 9.3 | $157 | $84 | Discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 more than 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. The team weighted criteria 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 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses 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 55,000 customer reviews across 155 car insurance companies. We also consider 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 U.S., 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 scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $138/mo |
4.1
Best choiceBased on 12,465 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,483)
John
Verified Review
Money hungry, not loyal to their CUSTOMERS
Reviewed in Delaware on November 2025
I've been with State Farm since 1959—that's 66 years. How much money do you think I've paid into this company? Your prices are way too high for us seniors and your loyal customers. I've had all my cars and home insurance with State Farm all these years. I have always owned three or four cars insured at a time. I am retired and live on my Social Security and pension. I am shopping the marketplace for better-priced insurance. The internet is bombarded with all kinds of bargains. Insurance is just a scam that I've put up with for years.
Casandra
Verified Review
It was okay. I wish I could get a new vehicle.
Reviewed in Louisiana on November 2025
It was okay. I really thought paying all that money for insurance would cover way more than it did.
George
Verified Review
Not Fair to the Average Person
Reviewed in New York on November 2025
They keep raising the insurance price, and their answer for doing so is ridiculous because of the area where I live. I have to move for my rates to go down. Where do I have to move to? I like the people there; they talk nicely to you and are very helpful, but it's just not fair with the rates.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for military members and their families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| 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. | $100/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. | $179/mo |
4.9
Best choiceBased on 2,389 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,307)
David
Verified Review
I've been with USAA for as long as I can remember and have always found them to be extremely wonderful to work with.
Reviewed in North Carolina on November 2025
I've been with USAA for as long as I can remember and have always found them to be extremely wonderful to work with.
Romeo
Verified Review
Just okay, it's not worth the money I spend monthly to insure 2 vehicles and a house!
Reviewed in Texas on November 2025
It's too expensive, period, and for being with a company since 1992, you would think that they would be willing to give me a discount for all the years that I have been with the business!
Tameika
Verified Review
Why I Chose to Leave USAA After 17 Years
Reviewed in California on November 2025
USAA insurance company is great for filing claims quickly and easily. They pay claims promptly and are super helpful. However, when it comes to truly caring about their members, it's disappointing. I have credit cards, bank accounts, my car loan, and car insurance all under USAA. Personally, after battling cancer and health issues, getting USAA to show compassion for my situation was nonexistent. They only seem to care about active duty members, which is the only group they will help in a financial crisis. For that reason, I am really disappointed in USAA as a whole. I think for the money, it's not worth it. There are other companies that will insure my car just the same for cheaper. I don't need to carry the USAA brand and overpay when they won't do anything for a member going through something catastrophic.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
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
Best insurer for discounts: American Family
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| 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. | $106/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. | $191/mo |
4.5
Best choiceBased on 514 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the fast claims processing and good initial rates but dislike the consistent rate increases and poor communication from agents.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (248)
Holly
Verified Review
Our Family
Reviewed in Ohio on October 2025
Wonderful and easy-to-use claims.
Janice
Verified Review
Excellent
Reviewed in Georgia on October 2025
So far, so good. I've never had to file a claim.
Charles Gary
Verified Review
Good service
Reviewed in Georgia on October 2025
Good, but rates are starting to skyrocket!
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
657NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.47A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
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
Not available in all 50 states
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 $78 per month
Secure. Free. Easy-to-use.
Based on 7,669+ 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 $122 per month in Aurora. The insurers below offer affordable liability rates in the city.
The below rates are estimated rates current as of: Saturday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $78 |
| Progressive | $79 |
| Mile Auto | $88 |
| Sun Coast | $92 |
| Root | $96 |
| USAA | $100 |
| The General | $100 |
| Bristol West | $102 |
| American Family | $106 |
| GEICO | $118 |
| Allstate | $120 |
| Nationwide | $128 |
| Auto-Owners | $138 |
| Safeco | $145 |
| Dairyland | $158 |
| Direct Auto | $159 |
| National General | $169 |
| Travelers | $194 |
| Farmers | $202 |
| Liberty Mutual | $258 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $237 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: Saturday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Average Monthly Quote |
|---|---|
| State Farm | $138 |
| USAA | $179 |
| Mile Auto | $189 |
| American Family | $191 |
| Progressive | $192 |
| Root | $205 |
| GEICO | $212 |
| Allstate | $215 |
| Nationwide | $229 |
| Bristol West | $235 |
| Auto-Owners | $247 |
| The General | $249 |
| Safeco | $254 |
| Sun Coast | $271 |
| Direct Auto | $338 |
| National General | $343 |
| Travelers | $348 |
| Farmers | $364 |
| Liberty Mutual | $383 |
| Dairyland | $407 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Aurora, Colorado
Drivers using Insurify have found quotes as cheap as $45/mo for liability only and $75/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 November 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 November 19, 2025. 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 November 19, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 November 19, 2025. 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 insurance covers 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) or personal 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 $90 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 7,669+ 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 $149 for liability coverage and $290 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: Saturday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| State Farm | $78 | $96 |
| Progressive | $79 | $97 |
| Mile Auto | $88 | $105 |
| Sun Coast | $92 | $113 |
| Root | $96 | $126 |
| USAA | $100 | $126 |
| The General | $100 | $131 |
| Bristol West | $102 | $126 |
| American Family | $106 | $134 |
| GEICO | $118 | $151 |
| Allstate | $120 | $152 |
| Nationwide | $128 | $162 |
| Auto-Owners | $138 | $175 |
| Safeco | $145 | $188 |
| Dairyland | $158 | $194 |
| Direct Auto | $159 | $197 |
| National General | $169 | $208 |
| Travelers | $194 | $245 |
| Farmers | $202 | $252 |
| Liberty Mutual | $258 | $322 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $152 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: Saturday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| State Farm | $78 | $98 |
| Progressive | $79 | $98 |
| Mile Auto | $88 | $114 |
| Sun Coast | $92 | $114 |
| Root | $96 | $121 |
| USAA | $100 | $128 |
| The General | $100 | $133 |
| Bristol West | $102 | $129 |
| American Family | $106 | $135 |
| GEICO | $118 | $145 |
| Allstate | $120 | $153 |
| Nationwide | $128 | $164 |
| Auto-Owners | $138 | $174 |
| Safeco | $145 | $196 |
| Dairyland | $158 | $201 |
| Direct Auto | $159 | $209 |
| National General | $169 | $216 |
| Travelers | $194 | $249 |
| Farmers | $202 | $257 |
| Liberty Mutual | $258 | $332 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Progressive
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 $147 per month, on average. The price of a full-coverage policy increases to $285 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: Saturday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| State Farm | $78 | $104 |
| Progressive | $79 | $95 |
| Mile Auto | $88 | $118 |
| Sun Coast | $92 | $111 |
| Root | $96 | $127 |
| USAA | $100 | $134 |
| The General | $100 | $134 |
| Bristol West | $102 | $136 |
| American Family | $106 | $142 |
| GEICO | $118 | $154 |
| Allstate | $120 | $160 |
| Nationwide | $128 | $171 |
| Auto-Owners | $138 | $184 |
| Safeco | $145 | $207 |
| Dairyland | $158 | $211 |
| Direct Auto | $159 | $213 |
| National General | $169 | $226 |
| Travelers | $194 | $259 |
| Farmers | $202 | $270 |
| Liberty Mutual | $258 | $345 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $100 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: Saturday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $106 | $60 |
| USAA | $143 | $80 |
| Mile Auto | $146 | $68 |
| American Family | $149 | $83 |
| Progressive | $158 | $65 |
| GEICO | $165 | $92 |
| Root | $168 | $79 |
| Nationwide | $171 | $96 |
| Allstate | $172 | $96 |
| Bristol West | $190 | $83 |
| Auto-Owners | $193 | $108 |
| The General | $202 | $81 |
| Safeco | $217 | $124 |
| Sun Coast | $223 | $76 |
| National General | $263 | $130 |
| Direct Auto | $266 | $125 |
| Travelers | $272 | $151 |
| Farmers | $282 | $157 |
| Liberty Mutual | $313 | $211 |
| Dairyland | $329 | $128 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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: Progressive
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 $221 per month, and full coverage costs $430 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: Saturday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
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.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| State Farm | $265 | $150 |
| USAA | $330 | $184 |
| Progressive | $348 | $143 |
| Root | $357 | $167 |
| American Family | $359 | $199 |
| GEICO | $383 | $213 |
| Mile Auto | $388 | $181 |
| Bristol West | $419 | $182 |
| Allstate | $424 | $237 |
| The General | $433 | $174 |
| Nationwide | $446 | $249 |
| Auto-Owners | $483 | $270 |
| Sun Coast | $492 | $167 |
| Safeco | $508 | $290 |
| Direct Auto | $662 | $311 |
| Dairyland | $674 | $261 |
| Liberty Mutual | $676 | $455 |
| National General | $694 | $342 |
| Travelers | $711 | $396 |
| Farmers | $712 | $395 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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
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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 $138 per month — less expensive than Aurora’s average of $180.
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.
City | Full Coverage | Liability Only |
|---|---|---|
| Arvada | $225 | $104 |
| Boulder | $160 | $88 |
| Broomfield | $221 | $99 |
| Colorado Springs | $214 | $99 |
| Fort Collins | $167 | $82 |
| Greeley | $194 | $85 |
| Pueblo | $213 | $92 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ 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 $122 per month for liability insurance and $237 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 $78. Progressive and Mile Auto also offer affordable coverage, with respective monthly liability rates of $79 and $88.
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 500+ 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
- 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.
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Sources
- Insurance Information Institute. "Auto insurance basics—understanding your coverage."
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
- Colorado General Assembly. "Optional Automobile Insurance Coverage."
- Colorado Division of Motor Vehicles. "SR-22 and Insurance Information."
- The Insurance Institute for Highway Safety. "Older Drivers."
- Insurance Information Institute. "Auto insurance for teen drivers."
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Janet Berry-Johnson
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.
Janet has been a contributor at Insurify since October 2022.
Edited byDanny Smith
Licensed auto and home insurance agent
4+ years in content creation and marketing
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.
Featured in
7+ years experience in data analysis
Ph.D. in Computational Biology
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.