Cheap Auto Insurance Quotes in Aurora, CO (2023)

Minimum-coverage car insurance in Aurora costs an average of $212, roughly 11% less than Colorado’s average cost of $238 per month. Aurora is a sprawling suburb that isn’t very walkable or transit-friendly, so 85% of residents get to work by car.^[1] Though not as dense as nearby Denver, Aurora still has its share of car accidents, so it’s important for Aurora residents to maintain car insurance coverage.

How much does car insurance cost in Aurora?

Car insurance rates in Aurora vary based on numerous factors, including your age and driving history. To get the best deal for your individual driver profile, you should compare car insurance quotes across providers. To give you a general idea, Insurify data scientists analyzed the latest quotes for Aurora to find the cheapest insurers.

Average rates can range from $94 per month for the cheapest liability insurance provider all the way up to $890 per month. Factors that can make your rates more expensive include your age, having accidents, DUIs, or speeding tickets on your record, and having bad credit. Your address in Aurora may also affect your auto insurance rates.

• Sun Coast provides the cheapest liability coverage in Aurora.

• SafeAuto provides the cheapest full-coverage insurance in Aurora.

• Nationwide provides the cheapest coverage for young drivers in Aurora.

Cheapest car insurance in Aurora: SafeAuto

SafeAuto offers the cheapest car insurance in Aurora when taking into account both liability-only and full-coverage policies. Below are some of the most affordable auto insurance providers in Aurora.

How much car insurance do you need in Aurora?

Unless you qualify for self-insurance, you’ll need at least the following coverages to stay legal on the road in Aurora:^[2]

• $25,000 per person in bodily injury liability

• $50,000 per accident in bodily injury liability

• $15,000 per accident in property damage liability

You need a valid Colorado auto insurance policy to register a vehicle in the state of Colorado. You may be asked to provide proof of insurance if you’re pulled over for a driving violation or involved in an accident. The minimum penalty for driving uninsured is a $500 fine and four points against your driver’s license.^[3]

It’s a good idea to carry full-coverage insurance, which includes comprehensive and collision coverage, to protect against the things that minimum coverage doesn’t cover. You may also want to add coverages, such as roadside assistance and uninsured motorist coverage.

Colorado DMV information

The Colorado Department of Motor Vehicles handles licensing, titling, registration, disability parking placards, and more. The Colorado DMV offers a variety of online services to make it more convenient for drivers to renew their driver’s license and vehicle registration. But you can still visit your local Aurora Motor Vehicles or Driver’s License Office.

Tips for getting cheap car insurance in Aurora

Here are some things you can do to lower your car insurance rates in Aurora:

• Bundle your coverages. Bundling your homeowners insurance and auto insurance can save you an average of about 17% on your premiums. Compare home and auto insurance bundles to see how much you could save.

• Increase your deductible. Choosing a higher deductible will result in lower premiums. Just make sure you’re comfortable paying your deductible amount in the event of a claim.

• Ask about discounts. The best auto insurance companies offer a variety of discounts to policyholders. You may be able to save money by enrolling in a usage-based program or taking a driving course. Once you’ve chosen a provider, ask your insurance agent which discounts you may be eligible for to see how much you could save.

• Lower your coverage limits. You can reduce your premiums by opting for lower coverage limits or liability-only insurance, but we don’t generally recommend this because it can leave you with a financial burden in the event of an accident.

• Compare auto insurance rates. Every auto insurer will weigh the information in your driver profile a little differently, so it’s important for Aurora drivers to compare customized rates to find the lowest possible insurance quotes.

How age affects car insurance rates in Aurora

Car insurance premiums are typically the most expensive for young drivers, since younger drivers have less experience and are more likely to be involved in a fatal crash. People in their 50s and 60s tend to get the cheapest rates in Aurora. Here’s what you can expect to pay in Aurora, on average, based on your age group.

Cheapest car insurance for young drivers in Aurora

For full-coverage policies, Nationwide offers the cheapest rates for young drivers, with an average monthly premium of $229. Young drivers can save even more if they qualify for student discounts or enroll in usage-based programs.

Cheapest car insurance for middle-aged drivers in Aurora

Progressive offers the cheapest rates to middle-aged drivers in Aurora, with an average monthly premium of just $134. Middle-aged drivers can also reduce their rates by bundling their home and auto policies or enrolling in telematics programs. Below are some of the cheapest average rates that providers offer for full-coverage policies in Aurora.

Cheapest car insurance for senior drivers in Aurora

Direct Auto offers the cheapest average rates for senior drivers when it comes to full-coverage policies, with an average monthly cost of $162. Senior drivers may also be able to qualify for a discount from passing a defensive driver course. Below are the cheapest average quotes for full-coverage policies from providers in Aurora.

How credit scores affect cheap car insurance in Aurora

Car insurance companies in Colorado use a credit-based insurance score to determine your rates. Unlike lenders, auto insurance providers aren’t worried about you defaulting on payments — rather, they’re concerned with the link between poor credit and high claims-filing.

Your credit-based insurance score isn’t the same as your FICO score, but both are based on information from your credit report. You can check your FICO score to get a sense of where you fall:

• 800–850 is exceptional

• 740–799 is very good

• 670–739 is good

• 580–669 is fair

• 300–579 is poor

Here are the average car insurance rates by credit tier, based on data for full-coverage policies in Aurora. Remember that other factors beyond your credit score will affect your unique premium.

The effect of driving habits on car insurance in Aurora

Car insurance providers consider your driving history when setting your rate, as it helps to predict the likelihood they’ll have to pay claims in the future. If you’ve been caught speeding or driving under the influence, your rates will likely increase. Having an at-fault accident on your record can also raise your rates. Here’s how various traffic violations can affect your rates in Aurora.

It’s important to note that when you see a negative difference in a table, it doesn’t mean that particular insurance company lowers rates for drivers with that infraction on their records. Rather, it may mean that our sample size was small — insurers may choose not to offer policies to drivers with that infraction. Your actual rate can vary based on a number of factors other than your driving record.

Cheapest car insurance in Aurora with an accident: Nationwide

An at-fault accident will typically raise your auto insurance rates in Aurora, but some auto insurance providers are more lenient than others. Below are some of the cheapest companies in Aurora for drivers with an accident on their records.

Cheapest car insurance in Aurora with a DUI: Progressive

Driving while intoxicated is a serious offense that requires you to have SR-22 insurance in Colorado. A DUI can raise your rates significantly, but some companies offer more generous rates than others. Here are the most affordable insurance providers for drivers with a DUI.

Cheapest car insurance in Aurora with a speeding ticket: Travelers

While speeding tickets typically don’t have as serious of an effect on premiums as DUIs, they still can result in increases, especially if you have multiple speeding infractions on your record. Here are the cheapest companies for drivers with speeding tickets in Aurora.

Car insurance in other Colorado cities

Here’s a look at car insurance quotes in some other Colorado cities:

• Cheap Auto Insurance Quotes in Colorado Springs, CO

• Cheap Auto Insurance Quotes in Denver, CO

• Cheap Auto Insurance Quotes in Littleton, CO

• Cheap Auto Insurance Quotes in Golden, CO

• Cheap Auto Insurance Quotes in Boulder, CO

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