Car travel is the main mode of transportation for nearly three hundred seventy thousand Aurora residents. Finding the right car insurance policy for you and your lifestyle is an important step towards safe driving in Aurora.
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, Aurora is sandwiched between some of the most beautiful landscapes in the country. Search and save on the best car insurance policies in Aurora today.
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| Insurance Provider in Aurora | |
|---|---|
 State Farm | $123/mo |
 Nationwide | $200/mo |
 Travelers | $246/mo |
 The General | $276/mo |
 American Family | $296/mo |
| Best Companies | ||
|---|---|---|
American Family | $330/mo | |
 Safeco | $268/mo | |
 Liberty Mutual | $366/mo | |
Travelers | $232/mo |
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| Denver | $216/mo |
| Colorado Springs | $215/mo |
| Fort Collins | $142/mo |
| Arvada | $176/mo |
| Aurora | $228/mo |
| Colorado | $195/mo |
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:
Teenagers will need to clock a lot of hours at a part-time job to afford a $529 per month car insurance payment. In the Centennial State, driving experience is the key to cutting down the price. That’s why a few more years’ experience gives twentysomethings an over $175 price break compared to their youngest drivers. From there, the trend continues downward as drivers add decades. Most people end up slightly above or below the state average of $253. Those in their 70s get the best deal and pay $300 less than teens.
| Driver's Age | |
|---|---|
| teens | $529 |
| 20s | $340 |
| 30s | $261 |
| 40s | $278 |
| 50s | $274 |
| 60s | $235 |
| 70s | $197 |
| 80s | $265 |
| Driving History | |
|---|---|
| No Violation | $276 |
| Speeding Ticket | $350 |
| At-Fault Accident | $325 |
| Failure to Stop for Red Light / Stop Sign | $368 |
In Aurora, safe driving is also financially savvy driving. Insurance companies like the idea and give “good driver” and “accident-free” discounts to people with clean records. Those price cuts could be ruined by zooming through a stop sign or red light. Drivers with a failure-to-stop ticket pay over $75 per month or $600 a year more. But even with a less-than-perfect driving history, it’s not all bad news. After three years, tickets and accidents stop affecting car insurance costs.
See More: High-risk Car Insurance Colorado
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Many Coloradans scratch their heads when trying to figure out how their credit relates to their driving ability. The state allows insurance companies to set rates based on credit, and they claim their numbers tell a different story. If so, why do people with poor credit pay less than those with average or good credit? Often, drivers with better credit can finance costlier vehicles and need higher levels of coverage to protect their assets. Either way, moving from average credit to excellent credit can save drivers over $560 a year.
| Credit Tie | |
|---|---|
| Excellent | $263 |
| Good | $300 |
| Average | $309 |
| Poor | $295 |
See More: Bad Credit Car Insurance Colorado
Aurora, 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 93 percent of households own vehicles, leading to frequent traffic jams throughout the city. Ridesharing services like Uber and Lyft, plus and traditional taxis, operate across Aurora.
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 Aurora 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. Aurora drivers rank 8 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, Aurora drivers rank 10 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Aurora drivers rank 17 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 Aurora is the Honda Accord.
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, Aurora drivers rank 13 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Aurora drivers rank 8 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. Aurora drivers rank 6 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, Aurora drivers rank 12 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. Aurora drivers rank 17 in hybrid and electric vehicle ownership across all cities in Colorado.
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.
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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