BestCar InsuranceAuroraBest Car Insurance Companies in Aurora, CO
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The best car insurance varies based on your personal driver profile and needs. In Aurora, American National is MoneyGeek’s top pick for the best overall and best cheap insurer. It’s also the top-rated insurance provider for young adults, seniors and drivers with offenses.
The best insurer in Aurora for customer service is Acuity. Meanwhile, GEICO ranked first for teen drivers, while Allstate is the best option for drivers with new cars. MoneyGeek also ranked the cheapest car insurance in Aurora for drivers who prioritize affordability.
BestCar InsuranceAuroraTable of Contents (Jump to Your Best Fit)
Best Overall - American National P&C
Best for Customer Service - Acuity
Best Cheap - American National P&C
Best for Young Adults - American National P&C
Best for Teens - GEICO
Best for Seniors - American National P&C
Best for Driving Offenses - American National P&C
Best for New Cars - Allstate
Best Overall Car Insurance in Aurora
The best car insurance companies for the average driver in Aurora are:
- American National: MoneyGeek score of 83 out of 100 ($579 per year)
- GEICO: MoneyGeek score of 68 out of 100 ($774 per year)
American National has a perfect affordability rating and got the third-highest satisfaction score. This means policyholders can expect good service and affordable premiums.
Another highly rated company in Aurora is USAA. With a MoneyGeek score of 78 out of 100, the insurer provides an alternative option for drivers with a military background and eligible family members.
The best car insurance company may vary per location. For example, based on MoneyGeek’s analysis, GEICO — not American National — offers the best car insurance in Colorado as a whole.
How was this MoneyGeek score calculated?
pros
Cheapest policies in Aurora
Third-highest customer satisfaction score
Offers roadside assistance, rental car and/or travel reimbursement and classic car coverages
cons
Mediocre claims score
Doesn’t offer accident forgiveness, deductible modification or new car replacement coverages
COMPANY HIGHLIGHTS
American National garnered the highest overall score among the insurance providers analyzed. It received a perfect affordability score, which means it offers the most affordable policies in the city. Despite having limited coverage options, the company has some of the most essential coverages.
Policyholders can find rare offers, such as classic car insurance that provides coverage for classic and antique cars. American National also has common coverages, including rental car and/or travel reimbursement and roadside assistance.
Rental car and/or travel reimbursement pays for the cost of a car rental in the event of a covered loss. Policyholders with comprehensive and/or collision insurance get this coverage for free. Meanwhile, roadside assistance is an add-on coverage that gives the policyholder access to 24-hour road assistance services.
How the Best Insurers in Aurora Rank: MoneyGeek Scores and Costs
Of the 13 auto insurance companies MoneyGeek analyzed in Aurora, Colorado, American National emerged as the overall winner. It has the most affordable rates, with an average of $579 per year for full coverage. Although the company also received a high satisfaction rating, it still ranked behind Colorado Farm Bureau and Acuity in that category.
Despite offering only a few coverage options, the company received a high coverage score because it has most of the essential coverages. Rates used to determine the best overall car insurance company in Aurora reflect a full coverage policy. We also only gave companies overall MoneyGeek scores out of 100 if they had available data for each scoring component.
Best Car Insurance in Aurora for Customer Service
The best auto insurance providers in Aurora for customer support, without considering cost, are:
- Acuity: MoneyGeek score of 78 out of 100 ($1,372 per year)
- American National: MoneyGeek score of 67 out of 100 ($579 per year)
Acuity received the second-highest satisfaction rating, tied for second place for coverage options and got the highest claims score among all insurers we evaluated. However, the company has the most expensive average annual premium in Aurora. This means policyholders pay a much higher price for the best service.
How was this MoneyGeek score calculated?
pros
Second-highest customer satisfaction score
Highest claims management rating
Offers essential coverages like gap insurance and roadside assistance
Has a rare endorsement for personal auto enhancements
cons
Doesn’t provide accident forgiveness or deductible modification coverage
COMPANY HIGHLIGHTS
Acuity offers unique coverages like the personal auto enhancements package, which covers various types of losses. With this, you can get key and lock replacement coverage if your keys get lost or stolen. It also includes personal property replacement, which pays for items inside the vehicle that gets damaged in a covered accident. You can also get travel expenses to eat, pay for lodging and rent a car after an accident. If your pet cat or dog is injured due to a car accident, you may receive reimbursement for your veterinary expenses. The personal auto enhancements package also covers airbag replacement.
Policyholders can also get some of the most common coverages, like gap insurance and roadside assistance. Gap coverage can be a good addition for drivers who use an auto loan or lease to get a car. In the event of a covered loss, the insurer will pay for the difference between the actual cash value of the vehicle and the unpaid principal amount still owed on the loan or lease. Roadside assistance, meanwhile, provides access to services like towing during road emergencies.
What Makes an Insurer Best for Customer Service?
An insurance company is deemed to have good customer service if it processes claims efficiently and addresses client concerns effectively. For Aurora drivers who value customer service the most, Acuity is the best option. The company got high customer satisfaction and claims scores.
Best Cheap Car Insurance in Aurora
Considering affordability and service quality for policies that only meet Colorado’s minimum car insurance coverage requirements, the best providers in Aurora are:
- American National: MoneyGeek score of 83 out of 100 ($253 per year)
- Auto-Owners Insurance: MoneyGeek score of 68 out of 100 ($435 per year)
While these are the cheapest policies in Aurora, they offer the least amount of protection against liability costs. They also don’t provide protection against the cost of damages to your own vehicle if an accident occurs. Since minimum car insurance coverage limits follow state laws, all cities in Colorado have the same requirements.
How was this MoneyGeek score calculated?
pros
Most affordable policies, averaging $253 per year
Offers discounts for bundling, early signing and multiple cars
Second-highest coverage score
cons
No safe driving, good student, defensive driving and distant student discounts
Low claims score
COMPANY HIGHLIGHTS
American National is our top pick for Aurora drivers looking for a minimum coverage policy. The company has the lowest average annual premium. Second only to American Family in terms of coverage options, American National offers most of the essential coverages. It also received a high customer satisfaction rating, ranking third in the category.
Additionally, it offers money-saving opportunities through discounts. Policyholders who own multiple cars can lower their premiums by insuring their collection with American National. Bundling home, life and auto insurance can help you earn savings as well. The company also offers an early signing discount to policyholders who sign a new plan before their current auto insurance policy expires.
What Makes an Insurer the Best Cheap Option?
Affordability plays an important role in determining the best minimum coverage policy. Although there may be cases wherein choosing cheap rates means sacrificing good customer service, it’s possible to find a company that balances both factors.
American National ranked first in Aurora because it offers affordable minimum coverage policies without compromising quality service. It received a perfect affordability rating and ranks third-highest in customer satisfaction.
Best Car Insurance in Aurora for Young Adults
The best auto insurance for young adult drivers in Aurora is offered by:
- American National: MoneyGeek score of 83 out of 100 ($721 per year)
- GEICO: MoneyGeek score of 71 out of 100 ($883 per year)
American National is the top-rated insurer in the city for young adults, mainly due to a perfect affordability rating and high satisfaction score. This makes it a good option for individuals who value service quality at reasonable rates.
How was this MoneyGeek score calculated?
pros
Most affordable option
High customer satisfaction rating
cons
Doesn’t offer discounts specifically for young drivers
Mediocre claims management reputation
COMPANY HIGHLIGHTS
American National has the cheapest policy for young adult drivers in the city. With an average premium of $721 per year, policyholders can save up to $1,202 per year compared to Aurora’s most expensive option (Acuity).
You can further lower premiums if you qualify for the company’s discount opportunities, such as those for bundling, early signing and multiple cars.
Depending on your needs, you can get additional coverages. For instance, you can purchase spare parts coverage, which will pay up to $1,000 if your spare parts get damaged due to a covered loss. American National also offers roadside assistance, gap insurance, classic car insurance and rental car reimbursement as optional coverages.
What Makes an Insurer Best for Young Adults?
Young adult drivers should look for quality customer service, affordable policies and age-specific discounts.
MoneyGeek determined American National as the best option for young adults in Aurora. The company received a high satisfaction score based on J.D. Power’s customer satisfaction study and the NAIC customer complaint index. It also has the lowest average premium among the 13 companies evaluated. That said, the company offers limited discount opportunities and doesn’t have specific discounts for young adults.
Best Car Insurance in Aurora for Teens and Their Families
The best auto insurance for teens added to a family policy in Aurora is from:
GEICO: MoneyGeek score of 68 out of 100 ($2,369 per year) Allstate: MoneyGeek score of 62 out of 100 ($2,685 per year)
GEICO is the best option for adding a teen driver to a family policy in the city. The company ranks second in our analysis for both customer satisfaction and affordability. However, it ranks fifth out of eight insurers for claims management.
When purchasing car insurance for teen drivers, it’s important to compare the cost of adding them to a family plan to the rate for an individual policy. Typically, the former is the cheaper option. For instance, a teen driver in Aurora can save around $3,923, or 57%, if they choose to join a family plan over buying an individual policy.
How was this MoneyGeek score calculated?
pros
Ranks #2 for affordability ($2,369 per year)
Ranks #2 for customer satisfaction
Offers good student and driver’s education discounts
cons
Mediocre claims management reputation
Lacks some common coverage options
COMPANY HIGHLIGHTS
GEICO has the best auto insurance in Aurora for teens, as it ranks second for affordability in the city for adding a teen to a family policy. It also ranks second for customer satisfaction among the eight companies in our study.
GEICO offers two important discount opportunities for young drivers and students. The good student discount provides financial savings for drivers who are full-time students with strong academic records. It also offers a discount for policyholders who complete defensive driving or driver’s education courses.
While GEICO has many discounts available, it doesn’t offer many add-on coverages. GEICO only offers a couple of the most common coverages — rental car reimbursement and roadside assistance — but does provide some rarer coverages like mechanical breakdown insurance that provides better coverage at a lower rate than a typical dealer’s warranty.
What Makes an Insurer Best for Teens?
Teen drivers should prioritize auto insurance with affordable rates, good customer service and age-specific coverages and discounts, like accident forgiveness coverage and distant student discounts.
GEICO ranked first in Aurora, driven by high scores for affordability and customer satisfaction. The company also offers discounts specifically for young drivers. However, it isn’t as impressive in categories like claims management and add-on coverage options.
Best Car Insurance in Aurora for Seniors
The best auto insurance options for senior drivers in Aurora are:
- American National: MoneyGeek score of 83 out of 100 ($586 per year)
- American Family: MoneyGeek score of 67 out of 100 ($932 per year)
Receiving a perfect affordability rating and a strong customer satisfaction score, American National ranks first for senior drivers in Aurora. Policyholders can find important add-on coverages and expect affordable prices.
Generally, drivers in their 60s pay similar premium rates to those in their 30s through 50s. However, prices tend to increase once they’re in their 70s. If you prioritize affordability, you can find cheap car insurance for seniors by shopping around and comparing rates from multiple insurance providers.
How was this MoneyGeek score calculated?
pros
Most affordable rate at $586 per year
Offers gap insurance and most common coverages
Ranks #3 for customer satisfaction
cons
Mediocre claims management
COMPANY HIGHLIGHTS
Senior drivers in Aurora may find the most affordable policy from American National. The company has a perfect affordability rating in MoneyGeek’s analysis. It also got high scores in terms of customer satisfaction and essential coverages.
Depending on your specific driving needs, you may purchase additional coverages. For instance, gap insurance can help you cover the difference between the value of your vehicle and the amount you still owe on the auto loan or lease in the event your car gets totaled in an accident.
The company also offers roadside assistance, which provides access to roadside services during emergencies. Another useful coverage addition for seniors is car rental and/or travel reimbursement, which applies when the policyholder can’t use their car due to a covered incident and needs to rent a car for transportation.
What Makes an Insurer Best for Seniors?
Typically, car insurance rates for seniors in their 60s are lower since they’re considered safe drivers. However, seniors tend to be more prone to suffering serious injuries in an accident.
When looking for the best auto insurance company, it would be best to find one that offers personal injury protection (PIP) or medical payments coverage. You should also consider discounts useful for seniors, such as those for defensive driving.
American National is MoneyGeek’s top pick for senior drivers in Aurora. It earned a perfect affordability score and recorded one of the highest coverage ratings.
Best Car Insurance in Aurora for Drivers With Offenses
The best car insurance for drivers with poor records in Aurora is from:
- American National: MoneyGeek score of 83 out of 100 ($884 per year)
- American Family: MoneyGeek score of 75 out of 100 ($1,226 per year)
American National ranked first in the affordability category, scoring a perfect rating. It has the third-highest satisfaction rating in the city. If you’re looking for a company that offers cheap policies without sacrificing good customer service, this company may be for you.
Car insurance rates are higher for drivers with traffic violations, with more severe offenses usually resulting in higher increases. For instance, the cost of a full coverage policy in Aurora averages $1,103 per year. A DUI will increase the premium to roughly $1,850. Meanwhile, a speeding ticket will cause the annual premium to increase to an average of $1,449.
How was this MoneyGeek score calculated?
pros
Cheapest annual premium, averaging $884
Offers roadside assistance and rental car reimbursement
Second-highest coverage score
Ranked third in customer satisfaction
cons
Mediocre claims rating
No new car replacement or accident forgiveness coverages
COMPANY HIGHLIGHTS
Aurora drivers with traffic violations may get the most affordable policy from American National. The company also got a high rating in customer satisfaction. These attributes make it a great choice for individuals who want a balance of quality service and affordability.
Despite having more limited options than some other companies, American National offers useful choices for drivers with poor records. You can get roadside assistance, which is of great help during road emergencies. With rental car reimbursement coverage, the policyholder can get reimbursement for the cost of renting a car while their vehicle is under repair after an accident. Policyholders who have comprehensive and collision coverage can get this add-on for free.
What Makes an Insurer Best for Drivers With Offenses?
For drivers with on-record violations, an insurance company can be a good option if it offers reasonably priced policies, opportunities for discounts and useful coverages.
American National is an example. It has good customer service and the cheapest car insurance rates for drivers with poor records in Aurora. Although it has fewer coverage offerings than some other providers in the city, you can still find several important add-on coverages.
Best Car Insurance in Aurora for Drivers With New Cars
The best insurance companies for Aurora drivers with new cars are:
- Allstate: MoneyGeek score of 51 out of 100 ($1,631 per year)
- Kemper: MoneyGeek score of 50 out of 100 ($1,488 per year)
These scores are based on affordability and service quality for drivers who own a 2022 model car in Colorado. Only insurance companies offering new or better car replacement coverage were included in the ranking.
New car replacement coverage pays for the full cost of buying a new car of the same make and model if the covered car gets totaled. Better car replacement is a better version as it allows the policyholder to upgrade the car to a newer model.
In Aurora, Allstate is the top choice for drivers with new cars. The company got the highest satisfaction rating and coverage score.
How was this MoneyGeek score calculated?
pros
Offers new car replacement coverage
Highest satisfaction score
Provides most common coverage add-ons
cons
Not the most affordable option
COMPANY HIGHLIGHTS
Among the companies offering new and better car replacement coverage in Aurora, Allstate received the highest overall MoneyGeek score. It ranked first in two categories: satisfaction and coverage. The company offers most of the essential coverages and provides quality service.
Allstate’s new car replacement coverage pays for the cost of replacing your car with a new one of the same make and model. However, the covered vehicle must be two model years old or less.
Policyholders can also get additional protection. For instance, Allstate offers accident forgiveness coverage. Car insurance rates tend to increase after an accident, but this coverage ensures that your premium won’t go up after your first accident, no matter who’s at fault.
For an additional payment, you can also get sound system coverage. This unique offering pays for the damages to the sound system permanently installed in the covered car. However, the policyholder must have comprehensive coverage to get this option.
What Makes an Insurer Best for Drivers With New Cars?
When choosing an auto insurance company, it’s best for drivers with new cars to choose one that offers new or better car replacement coverage. These offer additional financial protection suitable for recently purchased vehicles.
For Aurora drivers, the best option is Allstate. The company offers new car replacement coverage and has the highest satisfaction and coverage scores.
That said, Allstate isn’t the cheapest option in the city. Among companies offering new or better car replacement coverage, Kemper has lower prices. Several companies also scored better than Allstate in our overall analysis. However, they weren’t included in this category because they didn’t offer new car replacement coverage.
How to Find the Best Car Insurance in Aurora for You
There are various factors to consider when searching for the best car insurance in Aurora. Generally, you want a balance of cost, service quality and financial stability. MoneyGeek collected the relevant information on several insurers for you, but you can also take extra steps to find the right policy for your needs and circumstances.
1
Research customer service reputations in Aurora
MoneyGeek evaluated the customer service reputations of car insurance companies offering policies in Aurora. If you want to check a specific provider, you can also look up its J.D. Power satisfaction score and NAIC complaint ratio. Visiting the Colorado Division of Insurance website can also help you better understand auto insurance policies and companies.
2
Compare quotes
MoneyGeek evaluated car insurance companies in Aurora based on quotes for sample drivers. All rates in this analysis are averages. For custom estimates, it’s best to collect personalized quotes from at least three different companies. This ensures that you’re comparing policies that fit your needs and profile.
3
Find the coverages you want in Aurora
Some coverages and discounts may not be available in every state. In certain cases, insurers may advertise offerings not offered in all states. Before purchasing a policy, confirm with the company that the coverage or discount you want is offered in your area.
4
Check financial stability ratings
When comparing insurers, consider financial stability as well. This helps you check the company’s ability to pay legitimate claims. Typically, large insurance companies are financially stronger. Regional companies offering auto insurance in Aurora may have lower financial strength ratings.
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FAQs About the Best Car Insurance in Aurora
The best car insurance in Aurora depends on individualized factors and personal preferences. MoneyGeek answers some of the most common questions to help you in making an informed decision.
About Mark Fitzpatrick
