Cheap Auto Insurance Quotes in Aurora, CO (2021)

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

Enter your zipcode to get started

Shopper Approved

4.8 Rating

2,700 Reviews

12 Million

Quotes

Been Here Before?

Get Back to My Quotes

Discover Beautiful Aurora

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. 

Car Insurance in Aurora, 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 Aurora, CO to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$123
$200
$246
$276
$296
State FarmNationwideTravelersThe GeneralAmerican Family
Monthly $

Cheapest Car Insurance in Aurora, CO

Here are the cheapest carriers in Aurora 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 Aurora, 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 Aurora. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$195
$216
$215
$142
$176
$228
ColoradoDenverColorado SpringsFort CollinsArvadaAurora
Monthly $

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

Aurora, CO Driving Facts

colorado

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

Aurora Car Insurance Rates by Driver Age

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.

Driving History
No Violation$276
Speeding Ticket$350
At-Fault Accident$325
Failure to Stop for Red Light / Stop Sign$368

Aurora Car Insurance Rates by Driving and Accident History

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.

Aurora Car Insurance Rates by Credit Tier

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.

Aurora DMV Information

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. 

Public Transit in Aurora

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.

Conclusion: How to get the best and cheapest car insurance in Aurora

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.

Find local Aurora agents

American Insurance Services
20965 E Jefferson Ave, Aurora, CO 80013
Rojas Insurance Group LLC
2290 Dayton Street, Aurora, CO 80010
CoWest Centennial
6515 S RIVIERA WAY, AURORA, CO 80016
Sin Fronteras Multiservices, LLC
14105 E Exposition Avenue, Aurora, CO 80012
Bud Judy Agency, Inc.
1250 S. Buckley Rd., Suite I-305, Aurora, CO 80017
General Agency Corporation
15200 E Girard Ave #4800, Aurora, CO 80014-5054
Avitus Insurance Services, Inc.
3131 S Vaughn Way Suite 400, Aurora, CO 80014
RKA Insurance Services LLC
6225 S Ider Way, Aurora, CO 80016-4279
Healthy Colorado Insurance LLC
1250 S. Buckley Rd, Aurora, CO 80017
Avanti Group
2821 S Parker Rd, Aurora, CO 80014-2735

Insurify Insights: How Aurora Drivers Measure Up

honda
Honda Accord
Most Popular Car in
Aurora, CO
suspended licenses
#18
Cities with Most
Suspended Licenses Rank

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.

Accidents Aurora

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.

  • Rank within state: #8
  • Percent of drivers in Aurora with an accident: 11.41%
  • Drivers in Aurora, CO with an accident in their driving history paid on average 23.53% more than drivers with a clean record

Speeding Aurora

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.

  • Rank within state: #10
  • Percent of drivers in Aurora with a speeding ticket: 13.94%
  • Drivers in Aurora, CO with a speeding ticket in their driving history paid on average 30.59% more than drivers with a clean record

DUI/DWIs Aurora

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.

  • Rank within state: #17
  • Percent of drivers in Aurora with a DUI: 2.13%
  • Drivers in Aurora, CO with a DUI in their driving history paid on average 8.24% more than drivers with a clean record

Most Popular Vehicle Aurora

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.

Rude Aurora

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.

  • Rank within state: #13
  • Percent of drivers in Aurora with a reckless driving violation: 2.31%
  • Drivers in Aurora, CO with a reckless driving violation in their driving history paid on average 25.1% more than drivers with a clean record.

Safest Drivers Aurora

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.

  • Rank within state: #8
  • Percent of drivers in Aurora with clean record: 76.12%

Failure to Yield the Right of Way Aurora

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.

  • Rank within state: #6
  • Percent of drivers in Aurora with a failure to yield violation: 0.6%
  • Drivers in Aurora, CO with a failure to yield violation in their driving history paid on average 2100% more than drivers with a clean record

Reckless Drivers Aurora

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.

  • Rank within state: #12
  • Percent of drivers in Aurora with a reckless driving offense: 0.12%

Hybrid/Electric Vehicle Ownership Aurora

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.

  • Rank within state: #17
  • Percent of drivers in Aurora with a hybrid/electric vehicle: 1%

FAQs - Aurora, CO Car Insurance

How do I make sure my vehicle is ready for Aurora winter?

Winter weather can have a big effect on driving in Aurora 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, flashlights, 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 Aurora?

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 are 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.

What happens if I get caught driving uninsured in Aurora?

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 mandated to file SR-22 insurance.

Which company offers the cheapest auto insurance quotes in Aurora?

The best way to get the cheapest car insurance in Aurora 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.

Insurify Rate Comparison Methodology

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.