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Cheap Auto Insurance Quotes in Aurora, CO (2022)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Tanveen Vohra
Written by
Tanveen Vohra
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Written by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Olivia Oksenhorn
Edited by
Olivia Oksenhorn
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Edited by
Olivia Oksenhorn
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Amber Benka
Reviewed by
Amber Benka
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Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.

Updated August 31, 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.

Quick Facts

  • The average cost of car insurance in Aurora is $273 per month, or $3276 annually.

  • Car insurance in Aurora is $86 more than the average cost of car insurance in Colorado.

  • The cheapest car insurance provider in Aurora on average is Sun Coast, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

State Farm
$123
Nationwide
$200
Travelers
$246
The General
$276
American Family
$296

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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!

Insurance Provider in AuroraQuotes 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.
State Farm$123 /mo
Nationwide$200 /mo
Travelers$246 /mo
The General$276 /mo
American Family$296 /mo

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 .

Best CompaniesScoreQuotes 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.
American Family89$330 /mo
Safeco86$268 /mo
Liberty Mutual82$366 /mo
Travelers80$232 /mo

See More: Best Car Insurance Companies

Average Car Insurance Cost

Colorado Cities
Denver$236/mo
Colorado Springs$215/mo
Fort Collins$142/mo
Arvada$219/mo
Aurora$228/mo
Colorado$208/mo
Fort Collins
$142
Average for CO
$208
Colorado Springs
$215
Arvada
$219
Aurora
$228
Denver
$236

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.

Driver's AgeAvg. Monthly Cost 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.
teens$529
20s$340
30s$261
40s$278
50s$274
60s$235
70s$197
80s$265

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.

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

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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.

Credit TierAvg. Monthly Cost 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.
Excellent$263
Good$300
Average$309
Poor$295

See More: Bad Credit Car Insurance Colorado

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
View more

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.

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

  • 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.

  • 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.

  • 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.

  • 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.

  • 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 Insights

How Aurora Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Aurora, Colorado below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Aurora drivers measure up to their fellow motorists across Colorado in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

dodge

Dodge Dakota

Most Popular Car in Aurora

#24

City with the Most Speeding Tickets Rank in Colorado

#29

City with the Most Moving Violations Rank in Colorado

#28

City with the Most DUIs Rank in Colorado

#22

City with the Most Suspended Licenses in Colorado

  • 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 29 in the number of car accidents per driver across all cities in Colorado.

    • Rank within state: #29
    • Percent of drivers in Aurora with an accident: 8.3%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Aurora drivers rank 28 in the number of DUI’s per driver across all cities in Colorado.

    • Rank within state: #28
    • Percent of drivers in Aurora with a DUI: 1.6%
  • 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 33 in the number of reckless driving offenses per driver.

    • Rank within state: #33
    • Percent of drivers in Aurora with a reckless driving offense: 1.1%
  • 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 32 in rude driving infractions.

    • Rank within state: #32
    • Percent of drivers in Aurora with a reckless driving violation: 1.3%
  • 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 24 in the number of speeding infractions per driver.

    • Rank within state: #24
    • Percent of drivers in Aurora with a speeding ticket: 10.7%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Aurora drivers rank 9 in clean driving records across all cities in Colorado.

    • Rank within state: #9
    • Percent of drivers in Aurora with clean record: 77.9%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Aurora drivers rank 21 in hybrid and electric vehicle ownership across all cities in Colorado.

    • Rank within state: #21
    • Percent of drivers in Aurora with a hybrid/electric vehicle: 1.03%

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Sources

  1. Colorado General Assembly. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
Tanveen Vohra
Written by
Tanveen Vohra
Linkedin

Editorial Manager

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.

Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More
Olivia Oksenhorn
Edited by
Olivia Oksenhorn
Linkedin

Insurance Writer

Photo of an Insurify author
Edited by
Olivia Oksenhorn
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Amber Benka
Reviewed by
Amber Benka

Licensed Insurance Agent

Icon of a woman
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.