Cheap Auto Insurance Quotes in Aurora, CO (2022)

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.

See More:

• Cheap Car Insurance Colorado

• Compare Car Insurance

Cheapest Car Insurance in Aurora, CO

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

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 company reviews. The following are the top rated companies that offer car insurance in Aurora. For the complete list, see Insurify's best car insurance companies .

See More: Best Car Insurance Companies

Average Car Insurance Cost

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

Minimum Car Insurance Requirements in Colorado

All motor vehicles operated or parked on Colorado roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Colorado^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Colorado is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the 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.

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.

See More:

• High-risk Car Insurance Colorado

• DUI Car Insurance Colorado

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.

See More: Bad Credit Car Insurance Colorado

Find local Aurora agents

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.

For more detailed Colorado city level guides, check out these below.

• Average Cost of Car Insurance Rates in Colorado

• DUI Car Insurance Rates in Colorado

• High-Risk Driver Car Insurance Rates in Colorado

• Colorado Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Colorado

• SR-22 Insurance in Colorado

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.

FAQs - Aurora, CO Car Insurance