Cheapest Auto Insurance in Aurora, Colorado (2024)

State Farm offers the cheapest car insurance in Aurora, with minimum-coverage policies as low as $57 per month.

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Janet Berry-Johnson
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Danny Smith
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  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVP of Engineering & Data Science
  • 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 July 25, 2024

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Cheapest recent rates near Aurora, Colorado

Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $101/mo for full coverage in Aurora and other Colorado cities.

*Quotes generated for Insurify users in and around Aurora, Colorado within the last 10 days. Last updated on July 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. 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 July 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Located just east of the capital of Denver, Aurora, Colorado, is the third-largest city in the state. While the former frontier town has a mild climate, Aurora drivers pay an overall average monthly cost of $183 for car insurance, which is more expensive than the state average of $154 per month.

Aurora’s higher auto insurance rates could be due to its high population and proximity to Denver, which has very high vehicle theft rates. Shopping for the right car insurance can be daunting, from comparing coverages to finding an affordable rate.

Here’s how to compare quotes and find the best auto insurance Aurora has to offer.

Quick Facts
  • State Farm, USAA, and American Family have the cheapest car insurance in Aurora.

  • Liability coverage in Aurora costs an average of $110 per month, and full coverage costs $255 per month.

  • Aurora drivers pay a yearly average of $3,064 for full-coverage car insurance.

3 of the cheapest car insurance companies in Aurora

To make finding the right car insurance for you a little easier, Insurify compiled a list of the best auto insurance companies in Aurora, taking into account average monthly rates and Insurify Quality (IQ) Scores. Keep in mind that the best auto insurance company for you will depend on your unique situation and insurance needs.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm9.3$101$48Cheap rates
USAA9.4$130$61Military members and their families
American Family9.1$139$66Discounts
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

    We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
    • Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
    • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
    • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
    • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for cheap rates: State Farm

Compare personalized, real-time quotes
User Reviews
3.2
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.3/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$57/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$120/mo

State Farm is one of Aurora’s cheapest companies for full-coverage auto insurance. It offers a variety of coverage and discount options and is a good fit for all age groups.

Pros
  • Competitive pricing, with many available discounts

  • Personalized service from a network of local agents

Cons
  • Policy purchasing not available online — only through an agent

  • Generally poor ratings from many trusted review sites


Read more driver reviews of State Farm
Robert - July 25, 2024
Verified

Upsetting

The initial representative lied to me about the price of the policy. I'm paying $30 more a month than was quoted.

Matthew - July 25, 2024
Verified

Abandoned by State Farm

It was a negative experience. After 15 years with the company, I was dismissed due to two car accidents on my record, both of which had been previously reported as not my fault. They refused to communicate with me afterwards. I would advise others to consider this before choosing State Farm.

Janet - July 25, 2024
Verified

Too High

I have had State Farm for 5 years and have been very happy until this last renewal. My full coverage insurance jumped up by $400. This is why I keep looking for cheaper insurance.

Best insurer for military members and their families: USAA

Compare personalized, real-time quotes
User Reviews
3.7
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.4/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$72/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$154/mo

USAA offers a variety of insurance policies for military members, veterans, and their families. You need to be a member before you can buy its insurance, but it provides some of the best rates in the country.

Pros
  • Robust mobile app allows for easy claims filing, policy access, and customization

  • Available in all 50 states, the District of Columbia, U.S. territories, and some international locations

Cons
  • Only covers passenger vehicles and trucks — motorcycle, ATV, RV, boat, or personal watercraft policies not available

  • Not accessible to people without a connection to the U.S. military

Read more driver reviews of USAA
Charles - July 23, 2024
Verified

Average

The rates are way too high.

Ralph - July 22, 2024
Verified

No Answer

There is no senior discount available.

Wilfred - July 22, 2024
Verified

Issues Encountered with USAA

A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.

Best insurer for discounts: American Family

Compare personalized, real-time quotes
User Reviews
3.4
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.
9.1/10
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$78/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$165/mo

American Family has been in business for nearly a century and offers a variety of coverage options and discounts.

Pros
  • Savings of up to 23% available through auto and home insurance policy bundling

  • Usage-based programs help safe and infrequent drivers save on car insurance

Cons
  • Poor ratings from customers reviews on Trustpilot — many of which mention poor claims handling

  • Not available in all 50 states

Read more driver reviews of American Family
Celeste - July 23, 2024
Verified

Rates Keep Going Up

Outstanding customer service, but the rates are high.

Kathy - July 22, 2024
Verified

My American Family Experience

It's been wonderful. However, the premiums have become too high. I would have stayed if not for this. I had been with them for over 20 years.

Shannon - July 15, 2024
Verified

Needs Better Office Management

The agent I was assigned to, after my previous agent left, lacked professionalism and bedside manners. However, the corporate office was great to work with.

How to get the cheapest car insurance in Aurora

Car insurance companies consider several factors when setting your car insurance rates. Some of those factors are mostly outside your control, such as your age, repair costs in your area, marital status, crime rates, and the rates of auto accidents and vehicle thefts in your ZIP code.

But you do have some control over other factors, so here are a few tips for residents of Aurora looking for the best rate on cheap car insurance:

  • Drive safely. Insurers often reward lower premiums to people who demonstrate safe driving habits. Avoiding accidents and traffic violations can help keep rates low by showing insurers you’re a reliable driver.

  • Consider higher deductibles. Increasing your deductible can lower your overall premium because you’re on the hook for covering more of the costs if you have a claim. Just make sure you can afford to pay it if you need to.

  • Take advantage of discounts. Many insurance companies offer discounts that can help bring down your premium, such as bundling auto with your homeowners insurance, renters insurance, or life insurance, insuring multiple vehicles on the same policy, installing anti-theft devices in your motor vehicle, or taking a defensive driving course. Talk to your agent about the discounts available to see which ones you might qualify for.

Find Cheap Car Insurance in Aurora, Colorado

Liability rates start at $57 per month

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Cheapest liability-only car insurance in Aurora: State Farm

Liability-only car insurance is a type of policy that covers only the other party’s bodily injury and property damage costs in the event of an accident — not damage to your own vehicle. These policies are often attractive to owners of older vehicles looking for a lower rate while still meeting the state’s minimum requirements for car insurance.[1]

Liability insurance costs an average of $110 per month in Aurora. The insurers below offer affordable liability rates in the city.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyAverage Monthly Quote
State Farm$57
USAA$72
American Family$78
Sun Coast$84
GEICO$87
Allstate$88
Nationwide$94
Progressive$99
Auto-Owners$101
The General$106
Safeco$111
Root$112
Bristol West$114
Dairyland$122
Midvale Home & Auto$124
Foremost$140
Travelers$141
Direct Auto$143
Farmers$149
National General$172
Liberty Mutual$181
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Aurora: State Farm

Full-coverage auto insurance is a type of policy that covers both your own property damage costs, as well as the liability and property damage costs of the other party in an accident. This coverage makes sense if you drive frequently, especially if you drive a late-model or new vehicle that would be expensive to repair or replace.[1]

Aurora drivers pay a monthly average of $255 for full-coverage policies. The companies in the table below offer affordable full-coverage rates in Aurora.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyAverage Monthly Quote
State Farm$120
USAA$154
American Family$165
GEICO$184
Allstate$187
Root$197
Nationwide$200
Sun Coast$206
Midvale Home & Auto$210
Progressive$210
Safeco$213
Auto-Owners$214
Bristol West$286
The General$295
Liberty Mutual$302
Travelers$302
Dairyland$308
Farmers$316
Direct Auto$328
National General$336
State Auto$341
Foremost$402
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest recent rates near Aurora, Colorado

Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $101/mo for full coverage in Aurora and other Colorado cities.

*Quotes generated for Insurify users in and around Aurora, Colorado within the last 10 days. Last updated on July 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. 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 July 25, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 25, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance requirements in Colorado

Colorado state law requires all automobile owners in the state to carry liability insurance in the form of bodily injury coverage and property damage coverage.

The only exception to this requirement applies to people with more than 25 vehicles registered in their name. They can apply to the state insurance commissioner to qualify as a self-insurer by providing proof that they can pay the state-mandated minimum coverages without insurance.[2]

Colorado requires the following minimum coverages:

CoverageMinimum Requirements
Bodily injury liability$25,000 per person / $50,000 per accident
Property damage liability$15,000 per accident

You may also want to purchase optional insurance products in addition to basic coverage. Consider the following important coverage options when shopping for cheap insurance:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers the costs of damage to your car resulting from a collision with another vehicle or object.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers the cost of damage to your car resulting from events other than collisions, such as theft, fire, hail, or vandalism.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments (MedPay) or personal injury protection (PIP) coverage pay for medical expenses incurred by you and passengers in your vehicle due to a covered accident.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    Uninsured/underinsured motorist coverage

    Uninsured/underinsured motorist coverage protects you if you’re hit by a driver without insurance or a hit-and-run driver. Underinsured motorist coverage applies when someone doesn’t have high enough limits to pay the total costs of your bodily injury or property damage.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    Gap coverage

    Gap insurance pays the difference between the fair market value of your vehicle and how much you owe on the auto loan if your vehicle is totaled.[3]

Cheapest car insurance for drivers with an incident

An incident is an event that can affect the cost of your car insurance, such as getting in an at-fault accident, getting a speeding ticket, driving under the influence (DUI), or other moving violations. Incidents on your driving record tend to increase your car insurance rates because they indicate that you’re a risky driver.

Find Car Insurance in Aurora, CO

Monthly rates start at $70 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: State Farm

Several companies in Aurora, Colorado, offer competitive rates for people with a speeding ticket on their driving record.

Aurora drivers with a speeding ticket pay a monthly average of $163 for liability coverage and $377 for full coverage.

This table lists some insurance companies with affordable monthly rates for Aurora residents who have received a speeding ticket.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyClean Driving RecordWith Speeding Ticket
State Farm$57$75
USAA$72$95
American Family$78$103
Sun Coast$84$124
GEICO$87$115
Allstate$88$117
Nationwide$94$126
Progressive$99$132
Auto-Owners$101$134
The General$106$142
Safeco$111$149
Root$112$158
Bristol West$114$151
Dairyland$122$163
Midvale Home & Auto$124$170
Foremost$140$203
Travelers$141$188
Direct Auto$143$190
Farmers$149$196
National General$172$228
Liberty Mutual$181$263
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: State Farm

If you have an at-fault accident on your driving record, you may be understandably worried about finding affordable car insurance. Drivers in Aurora with an accident on their record pay an average of $157 per month for minimum coverage.

The following table lists the cheapest car insurance companies for Aurora drivers who have been involved in an at-fault accident.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyClean Driving RecordWith Accident
State Farm$57$76
USAA$72$96
American Family$78$104
Sun Coast$84$120
GEICO$87$117
Allstate$88$118
Nationwide$94$127
Progressive$99$134
Auto-Owners$101$135
The General$106$144
Safeco$111$144
Root$112$159
Bristol West$114$150
Dairyland$122$163
Midvale Home & Auto$124$176
Foremost$140$204
Travelers$141$190
Direct Auto$143$195
Farmers$149$198
National General$172$232
Liberty Mutual$181$264
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: State Farm

Finding affordable car insurance after a DUI can be challenging, as many insurers will increase your rates significantly or even deny drivers with DUIs coverage altogether. After a DUI in Colorado, you’ll have to get SR-22 insurance — a certificate from your insurance company proving you have the minimum required insurance coverage.[4]

Liability-only insurance for Aurora drivers with a DUI costs $179 per month, on average. The price of a full-coverage policy increases to $415 per month.

The following table shows the cheapest car insurance companies in Aurora for drivers with DUIs.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyClean Driving RecordWith DUI
State Farm$57$94
USAA$72$119
American Family$78$129
Sun Coast$84$137
GEICO$87$144
Allstate$88$146
Nationwide$94$156
Progressive$99$164
Auto-Owners$101$167
The General$106$175
Safeco$111$184
Root$112$185
Bristol West$114$189
Dairyland$122$202
Midvale Home & Auto$124$205
Foremost$140$232
Travelers$141$233
Direct Auto$143$237
Farmers$149$247
National General$172$285
Liberty Mutual$181$300
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Experienced drivers tend to be safer on the road, so insurance rates usually decrease around age 35. But they typically increase again around age 70. Drivers 70 and older are involved in more fatal car crashes per mile traveled than middle-aged drivers, according to the Insurance Institute for Highway Safety (IIHS). Insurers raise rates to account for that increased risk.[5]

Senior drivers in Aurora pay $75 per month, on average, for a liability policy.

This table lists the companies with the lowest average monthly car insurance costs for senior drivers in Aurora.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyFull CoverageLiability Only
State Farm$85$40
USAA$112$52
American Family$117$55
GEICO$134$63
Nationwide$136$64
Progressive$136$64
Allstate$137$65
Sun Coast$141$57
Midvale Home & Auto$146$86
Root$148$84
Auto-Owners$153$72
Safeco$159$83
Bristol West$209$83
Travelers$216$101
The General$220$79
Liberty Mutual$222$133
Dairyland$224$89
Farmers$224$106
Direct Auto$231$101
National General$239$122
Foremost$286$100
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: State Farm

Auto insurance rates for teen drivers are much higher than those for adults. Teen drivers have little driving experience, and immaturity can lead them to take risks behind the wheel, making them a higher accident risk.[6]

Liability-only insurance costs teen drivers in Aurora an average of $201 per month, and full coverage costs $466 per month.

Some ways to find savings include keeping teen drivers on their parents’ insurance policy, ensuring they’re assigned to a safe vehicle, and taking advantage of discounts, such as those for being a good student and taking defensive driver courses.

The table below shows companies offering the lowest monthly prices for auto insurance for teens.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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 CompanyFull CoverageLiability Only
State Farm$206$98
USAA$259$121
American Family$291$138
GEICO$294$139
Root$304$173
Allstate$332$156
Nationwide$346$163
Midvale Home & Auto$366$216
Auto-Owners$371$175
Sun Coast$376$153
Progressive$382$180
Safeco$445$232
The General$481$173
Bristol West$492$196
Dairyland$519$206
Travelers$549$256
Liberty Mutual$560$336
Farmers$562$265
Direct Auto$603$263
National General$654$335
Foremost$721$251
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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Aurora car insurance quotes by credit tier

The state of Colorado allows insurers to consider credit history when underwriting auto insurance policies. Credit scores can affect car insurance rates significantly, as insurers use them to evaluate risk. Drivers with excellent or good credit scores generally receive lower rates than drivers with poor credit.

The table below shows the average Aurora car insurance premiums by credit tier to help you better understand how your credit score can affect your rate.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Aurora?

The national average auto insurance rate is $160 per month — less expensive than Aurora’s average of $183.

Part of that difference might be due to Colorado’s terrain. Aurora’s proximity to the picturesque Rocky Mountains makes it an excellent destination for skiers, snowboarders, and other winter sports enthusiasts. But it also means its roadways are subject to snow and ice, which can cause accidents and lead to higher repair costs.

More cities in Colorado

Below, you’ll find average car insurance quotes in some other Colorado cities.

CityFull CoverageLiability Only
Arvada$197$93
Boulder$189$86
Broomfield$199$89
Colorado Springs$236$93
Fort Collins$178$79
Greeley$201$82
Pueblo$212$84
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Aurora car insurance FAQs

Finding the right car insurance can be challenging. Below, you’ll find answers to some commonly asked questions about car insurance in Aurora.

  • How much is car insurance in Aurora?

    Aurora drivers pay an average of $110 per month for liability insurance and $255 per month for full coverage, according to Insurify data.

  • Which company has the cheapest car insurance in Aurora?

    State Farm has the cheapest car insurance in Aurora, with monthly liability rates as low as $57. USAA and American Family also offer affordable coverage, with respective monthly liability rates of $72 and $78.

    But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.

  • What are the best car insurance companies in Aurora?

    The best car insurance company in Aurora is State Farm, due to its affordable premiums, top-rated customer service, and excellent financial strength. Other top companies include USAA and American Family.

  • What factors affect the cost of car insurance in Aurora?

    Your insurance rates depend on factors like your age, gender, driving history, and more, as well as where you live. Some locations may have higher insurance rates if they have higher populations, more accidents, more car thefts, or a higher rate of uninsured drivers.

  • How much car insurance do you need in Aurora, Colorado?

    Colorado drivers must carry $25,000 per person and $50,000 per accident in bodily injury liability insurance, as well as $15,000 per accident in property damage liability insurance.

Methodology

Insurify data scientists analyzed more than 90 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 50+ 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  2. Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
  3. Colorado General Assembly. "Optional Automobile Insurance Coverage."
  4. Colorado Division of Motor Vehicles. "SR-22 and Insurance Information."
  5. The Insurance Institute for Highway Safety. "Older Drivers."
  6. Insurance Information Institute. "Auto insurance for teen drivers."
Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVP of Engineering & Data Science
  • 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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