120+ more*Quotes generated for Insurify users in and around Aurora, Colorado within the last 10 days. Last updated on May 12, 2026. 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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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.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Aurora drivers pay an average of $121 per month for state-minimum Colorado car insurance and $264 per month for full coverage, according to Insurify data. That’s pricier than nearby Denver’s average rate of $178 per month and Grand Junction’s average of $115 per month.
As Colorado’s third-largest city, Aurora has an average commute of 29 minutes, which is about 14% longer than the state average. More time on Interstate 225 and I-70 means more opportunities for a fender bender, a factor insurers consider when setting Colorado’s average car insurance costs.
State Farm offers affordable insurance if you’re looking for cheap liability-only coverage in Aurora. State-minimum coverage averages $64 per month.
Colorado’s minimum coverage requirements are 25/50/15, meaning $25,000 per person and $50,000 per accident in bodily injury liability, plus $15,000 in property damage.[1]Colorado insurance policies automatically include uninsured/underinsured motorist coverage unless you opt out in writing.
The table below shows the cheapest liability-only auto insurance rates in Aurora.
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 | $64 |
| Sun Coast | $79 |
| USAA | $82 |
| The General | $86 |
| American Family | $88 |
| Root | $90 |
| Mile Auto | $94 |
| Progressive | $94 |
| GEICO | $98 |
| Allstate | $99 |
| Bristol West | $104 |
| Nationwide | $106 |
| Auto-Owners | $115 |
| Mendota | $129 |
| Trexis | $133 |
| Safeco | $134 |
| National General | $140 |
| Dairyland | $148 |
| Direct Auto | $150 |
| Travelers | $161 |
| Farmers | $167 |
| Liberty Mutual | $219 |
Full coverage in Aurora averages $264 per month, and State Farm has the cheapest average rates.
A single Front Range hailstorm can dent car hoods and crack windshields in minutes. Comprehensive coverage, the type of insurance that pays for hail damage, can bring peace of mind in a hail-prone metro like Aurora. It also covers theft and vandalism.
A full-coverage auto insurance policy includes both comprehensive and collision coverage.
Check the table below for the most affordable full-coverage rates in Aurora.
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 | $149 |
| Progressive | $182 |
| Root | $189 |
| USAA | $193 |
| American Family | $205 |
| GEICO | $228 |
| Allstate | $231 |
| Mile Auto | $235 |
| Bristol West | $235 |
| Safeco | $241 |
| Nationwide | $247 |
| Sun Coast | $255 |
| The General | $257 |
| Auto-Owners | $265 |
| National General | $308 |
| Mendota | $318 |
| Direct Auto | $326 |
| Dairyland | $347 |
| Trexis | $349 |
| Liberty Mutual | $366 |
| Travelers | $374 |
| Farmers | $391 |
Aurora has some of the state’s highest car insurance rates, at $193 per month. A free quote from an insurance agent or company shows that insurance in Aurora is more expensive than in Denver, averaging $178 per month.
Grand Junction has some of the state’s lowest rates, at $115 per month.
Along with hail risk and busy highways, population density also affects Aurora’s insurance rates. The city has 2,421 residents per square mile, compared to 1,654 per square mile in Grand Junction and just 56 per square mile statewide.
The Denver-Aurora-Centennial metro also ranked No. 8 nationally for vehicle theft in the first half of 2025, which drives up premiums across the area.
See how Aurora’s monthly rate stacks up against other Colorado cities in the table below.
City | Average Monthly Quote |
|---|---|
| Aurora | $193 |
| Colorado Springs | $170 |
| Denver | $178 |
| Fort Collins | $135 |
| Grand Junction | $115 |
| Greeley | $144 |
| Longmont | $151 |
| Loveland | $136 |
| Pueblo | $162 |
Insurify Car makes it affordable and easy to get same-day liability coverage
Aurora car insurance rates tend to be high for three main reasons. First, the Denver-Aurora-Centennial metro had 6,116 reported car thefts in the first half of 2025, according to the National Insurance Crime Bureau (NICB).
Second, several Aurora road segments are among the region’s worst for rush-hour delays, long backups, and frequent crashes.[2] Finally, Aurora sits in one of the state’s most hail-prone areas, which increases comprehensive claims — and therefore insurance rates — across the region.
*Quotes generated for Insurify users in and around Aurora, Colorado within the last 10 days. Last updated on May 12, 2026. 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Colorado is an at-fault state, meaning the driver who caused the accident is responsible for damages. Below, you’ll find companies with low-cost liability-only insurance premiums for Aurora drivers with a clean record, a ticket, an at-fault accident, and a driving under the influence (DUI) conviction.
Cheapest car insurance for Aurora drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Aurora: State Farm
Cheapest car insurance for Aurora drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Aurora: State Farm
While many Aurora drivers have a clean record, Insurify data shows that 4.6% have a speeding ticket, 4.8% have an at-fault accident, and 0.7% have a DUI conviction. Colorado’s fault-based rule means the driver responsible for a crash is on the hook for the other party’s medical bills and property damage.
Insurers view drivers with an incident on their driving record as high risk, resulting in higher insurance rates.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $193 |
| Speeding ticket | $255 |
| At-fault accident | $258 |
| DWI | $269 |
Aurora’s road network is built around three major arteries: I-225 on the west side, I-70 across the north, and the E-470 toll road wrapping the eastern edge out to Denver International Airport.
Two large employment hubs contribute to daily traffic. Buckley Space Force Base on the southeast side adds rush-hour traffic to roads leading in and out of the base, and the University of Colorado Anschutz Medical Campus to the northwest brings shift-change congestion on Colfax Avenue and Fitzsimons Parkway.
Winter adds another layer of risk for Aurora drivers. The state of Colorado warns that overpasses, bridges, and shaded stretches can ice over even when the rest of the pavement is clear.[3] Aurora also sits in Hail Alley, where storms from May through August can cause thousands of dollars in damage to a single vehicle.
I-225 carries 168,000 vehicles per day through Aurora just south of I-70, according to the Colorado Department of Transportation Traffic Data Explorer. Commutes here run longer than the Colorado average.
Aurora’s 29-minute one-way commute is longer than most in Colorado, adding to crash exposure for local drivers and increasing collision coverage costs.
The Aurora Police Department also runs a DUI enforcement unit that conducts checkpoints across the city. If you get a DUI in Colorado, you may need to file an SR-22, which can lead to higher insurance costs.
Aurora teen drivers can find the most affordable liability coverage options through State Farm. In Colorado, teens can get a learner’s permit at age 15 and take the driving test for a license at age 16.[4]
Below, you’ll find the insurance companies with the cheapest liability-only rates for teen drivers in Aurora.
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 | $125 |
| Sun Coast | $146 |
| USAA | $153 |
| The General | $156 |
| Root | $158 |
| American Family | $168 |
| Progressive | $174 |
| GEICO | $179 |
| Bristol West | $186 |
| Mile Auto | $195 |
| Allstate | $198 |
| Nationwide | $209 |
| Auto-Owners | $236 |
| Mendota | $238 |
| Trexis | $246 |
| Dairyland | $260 |
| Safeco | $274 |
| National General | $282 |
| Direct Auto | $294 |
| Farmers | $337 |
| Travelers | $338 |
| Liberty Mutual | $387 |
Liability rates start as low as $64 per month
State Farm has the cheapest liability quotes for senior drivers in Aurora. The city has a younger population than Colorado as a whole, which means drivers in their 60s often share the road with younger commuters.
The table below shows the cheapest liability-only quotes for senior drivers in Aurora.
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 | $49 |
| Sun Coast | $65 |
| USAA | $65 |
| American Family | $69 |
| Mile Auto | $72 |
| The General | $72 |
| Root | $74 |
| GEICO | $76 |
| Progressive | $78 |
| Allstate | $78 |
| Nationwide | $79 |
| Bristol West | $85 |
| Auto-Owners | $89 |
| Mendota | $107 |
| National General | $107 |
| Trexis | $110 |
| Safeco | $115 |
| Direct Auto | $120 |
| Dairyland | $123 |
| Travelers | $126 |
| Farmers | $129 |
| Liberty Mutual | $178 |
For more information on finding the best car insurance in Aurora, see the answers to frequently asked questions below.
The average cost of auto insurance coverage in Aurora is $193 per month, according to Insurify data. Your actual quote depends on where you live in Aurora, the kind of car you drive, and your specific insurance needs.
The cheapest insurance company in Aurora is State Farm, with rates averaging $64 per month for liability-only coverage. For full-coverage policies, State Farm has the cheapest rates, at $149 per month.
Three local factors push Aurora rates above the state average: heavy traffic on I-225 and I-70, vehicle theft across the Denver-Aurora-Centennial metro ranked No. 8 nationally in 2025, and hail-season damage to vehicles.
Your driving record, age, annual mileage, location, and vehicle type all influence your car insurance rate. Where you live in Aurora also plays a role, since traffic on I-225 and I-70 — and hail claim rates — vary across the city.
Common insurance discounts in Colorado include bundling auto insurance with homeowners or renters insurance and discounts for safe driving. Many insurers also offer savings for anti-theft devices, which matters in a theft-heavy metro like Aurora.
Insurify data scientists analyzed more than 190 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:
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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3+ years writing about auto, home, and life insurance
7+ years in personal finance and technology
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
Featured in
Amy specializes in insurance and technology writing and has a talent for transforming complex topics into easy-to-understand stories.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John is Insurify’s Chief Copy Editor, helping ensure the accuracy and readability of Insurify’s content. He’s a licensed agent specializing in home and car insurance topics.
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.
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