BestCar InsuranceAuroraThe Best Car Insurance in Aurora, CO, for 2023
MoneyGeek ranked GEICO as the best auto insurer in Aurora, Colorado, with a score of 85 out of 100. To determine the best car insurance in Aurora, we evaluated companies for customer satisfaction, affordability and financial stability. However, the best option for you will depend on your age and coverage needs.
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Advertising & Editorial DisclosureLast Updated: 1/27/2023
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Mark Fitzpatrick
The best car insurance company in Aurora is GEICO, but the best option for you will depend on your preferred coverage level, age and driving record. MoneyGeek analyzed the best car insurance companies in Aurora for young and older drivers, drivers with violations and those with military backgrounds so you can find the best policy for your needs. For drivers looking to save money, MoneyGeek also provides information about the cheapest car insurance in Aurora.
BestCar InsuranceAuroraThe Best Car Insurance in Aurora
Overall - GEICO
Minimum Coverage - GEICO
Young Drivers - State Farm
Senior Drivers - State Farm
Driving Violations - State Farm
Military - USAA
Best Car Insurance Companies in Aurora: Overall
MoneyGeek ranked the best car insurance companies based on claims ratings, user satisfaction and average car insurance premiums for different driver profiles. Using our unique scoring system, the following are the best car insurance companies in Aurora overall:
- GEICO: 85 out of 100
- State Farm: 84 out of 100
USAA received a MoneyGeek score of 100 out of 100, making it the best insurer in Aurora. However, since military members and their families are only eligible for USAA policies, it was excluded from our rankings.
The Top Car Insurance Companies in Aurora
1
GEICOOverall
Score:85
GEICO received excellent scores in all categories, but it received the highest scores among the evaluated providers for financial stability and affordability. The insurer offers mechanical breakdown coverage and accident forgiveness, which are rarely offered by other insurers. On average, a GEICO full coverage policy costs $891 per year.
More About GEICO
Mechanical breakdown insurance (MBI) is available from GEICO at a cheaper rate than the standard dealer extended warranty. Whether you own or lease a new car, MBI covers all parts and systems. GEICO's accident forgiveness prevents your insurance rates from increasing after your first at-fault accident. This coverage can either be purchased or earned by being at least 21 years old and accident-free for five years.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:84
State Farm scored a perfect 5 out of 5 on customer satisfaction and stability and 4 out of 5 for claims. Rider insurance, which offers protection to drivers who provide rideshare services, is one of its unique coverages. A full-coverage policy from State Farm costs about $1,198 per year.
More About State Farm
Offering affordable policies in all 50 states across the country, State Farm is a nationally recognized auto insurance company. Rideshare insurance, one of its unique coverages, offers coverage to individuals working for ridesharing companies. While you’re available for hire and using the ridesharing app, you are covered by your personal auto insurance policy, except liability coverage, which ends after you’ve matched with or are transporting a passenger.
Read MoneyGeek's State Farm auto Insurance ReviewRESOURCES ON CAR INSURANCE IN AURORA, COLORADO
For drivers seeking the most affordable auto insurance in Aurora, MoneyGeek also found the cheapest carriers. We compiled the following resources for you to learn more about Colorado car insurance:
Best Cheap Car Insurance for Minimum Coverage in Aurora
MoneyGeek ranked the best companies based on minimum car insurance requirements in Aurora, which are set by Colorado insurance laws. The top-rated companies in Aurora for drivers wanting a basic insurance policy that meets Colorado's minimum coverage requirements are:
- GEICO: 89 out of 100
- State Farm: 83 out of 100
The MoneyGeek rankings take into account a variety of factors, including the age and driving record of individual drivers.
MoneyGeek’s Pick: GEICO
pros
A minimum coverage policy costs $392 per year
Multiple car discounts
Bundling insurance discounts
Car features including airbags, anti-theft devices and seat belts all qualify for discounts
MoneyGeek user satisfaction and claims rating of 4 out of 5
cons
Pay-in-full or paperless discounts aren't available
COMPANY HIGHLIGHTS
Drivers can take advantage of several discounts offered by GEICO for bundling, multiple vehicles and safe driving. If you are a homeowner or renter looking to save money, you can bundle your GEICO insurance policy with auto insurance to get a discount. Furthermore, if you insure more than one vehicle, you will also save money. A five-year accident-free streak also qualifies you for a discount.
A new vehicle discount is available to GEICO policyholders for newly purchased or leased vehicles. As a further incentive, you can earn a discount if you always wear your seat belt. These discounts are rarely offered by other insurance companies, allowing GEICO policyholders to save even more on car insurance.
Best Car Insurance for Young Drivers in Aurora
MoneyGeek ranked the best auto insurance companies in Aurora for teenagers and young adults to help them find the best provider:
- State Farm: 84 out of 100
- GEICO: 79 out of 100
These results were determined by combining different coverage levels and driving records of 18-year-old drivers in Aurora. Due to a lack of driving experience, companies often charge more for car insurance for teen drivers and auto insurance for student drivers.
MoneyGeek’s Pick: State Farm
pros
For responsible teen drivers, a full-coverage policy costs $3,479 a year
Provides discounts for good students, distant students and drivers' education courses
MoneyGeek claims ratings of 4 out of 5
MoneyGeek user satisfaction rating of 5 out of 5
cons
Lacks accident forgiveness, which would be particularly helpful to young drivers
COMPANY HIGHLIGHTS
The cost of insuring a young driver can be high, but State Farm provides quality service at one of the most affordable rates in Aurora. Since young drivers have less experience behind the wheel, getting insured in case of an accident provides peace of mind to both young drivers and parents.
The company also offers discounts to drivers under 25 and their families. Through the distant student discount, students under the age of 25 can save money on their annual insurance premium if they move away for school and only use their car when they return home. For drivers under 21, completing a driver's education course will qualify them for a discount. Students with a B average, a 3.0 GPA or in the top 20% of their class are also eligible for a good student discount.
Best Car Insurance for Senior Drivers in Aurora
For senior drivers in Aurora looking for the best auto insurance, we evaluated different coverage options and driving histories for 70-year-old drivers to calculate our scores. Based on this evaluation, the following two companies offer the best car insurance for seniors in Aurora:
- State Farm: 89 out of 100
- Allstate: 79 out of 100
While car insurance for senior drivers tends to be more expensive than for middle-aged drivers, we found companies that combine affordability and quality.
MoneyGeek’s Pick: State Farm
pros
An affordable full coverage policy for a safe senior driver costs about $1,171 per year
Offers a defensive driving discount
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 5 out of 5
cons
No discounts for senior drivers
No unique coverages
COMPANY HIGHLIGHTS
Insurance companies often charge senior drivers a higher premium than middle-aged drivers. Older drivers, however, can get discounts and affordable policies from State Farm. State Farm policyholders who have avoided moving violations for more than three years can benefit from safe driver discounts. As an added benefit, State Farm also offers rental car and travel reimbursement coverage which covers meals, lodging and other expenses up to a specific limit.
Best Car Insurance With a Driving Violation in Aurora
MoneyGeek scored companies using a variety of policy coverages and age ranges to determine the top car insurance companies in Aurora for drivers with an at-fault accident. These are the top-rated companies in Aurora for drivers with DUIs based on our ratings:
- State Farm: 89 out of 100
- Allstate: 79 out of 100
A bad driving record causes your car insurance premiums to rise after an accident, so it is beneficial to look for affordable insurance for drivers with violations.
MoneyGeek’s Pick: State Farm
pros
For a 40-year-old driver with an accident on their record, a full coverage policy costs $1,396 per year
Drivers can save money with seven out of nine standard discounts
MoneyGeek claims rating of 4 out of 5
MoneyGeek user satisfaction rating of 5 out of 5
cons
Doesn’t offer any unique coverages
Doesn’t offer accident forgiveness
COMPANY HIGHLIGHTS
Drivers with a poor driving history can benefit by choosing an affordable insurer that provides quality service and appropriate coverages.
State Farm can assist drivers in saving money with seven out of nine commonly found discounts. These include bundling, multiple car insurance, safe driving, good student, anti-theft systems, airbags and defensive driving. However, it doesn't provide new car replacement or better car replacement coverage, which may be of use to drivers who are involved in an accident.
Best Car Insurance With a Military Background in Aurora
As in most cities, USAA offers the best combination of affordability and customer satisfaction when it comes to military car insurance in Aurora.
The insurer received a score of 100 out of 100 from MoneyGeek based on different levels of coverage and driver backgrounds, including young drivers, older drivers and those with traffic violations.
Due to its limited availability, MoneyGeek didn’t include USAA in its rankings since it caters exclusively to military members and their families.
MoneyGeek’s Pick: USAA
pros
The cost of a full coverage policy for a 40-year-old driver is $698 per year
Five of the most common discounts are available, including multiple vehicle, safe driving and defensive driving
MoneyGeek claims rating of 5 out of 5
MoneyGeek user satisfaction rating of 5 out of 5
cons
Offers only three of the seven frequently advertised coverages
Gap insurance and better car replacement not offered
Only available to military members, veterans and their families
COMPANY HIGHLIGHTS
Across various rankings, USAA consistently ranks among the top insurance companies with excellent service ratings and affordability rates. As part of its standard coverage, USAA offers roadside assistance, rental car reimbursements and accident forgiveness. However, USAA typically does not include any other coverage options.
Five out of the nine most commonly advertised discounts are provided by USAA, including bundling, multiple car, good student, safe driving and defensive driving. Those with insured vehicles under three years of age can also save with its new vehicle discount.
Methodology
The MoneyGeek car insurance company ratings are based on quotes from Aurora providers and evaluations from industry leaders, including J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
MoneyGeek evaluated providers based on the following weighted categories to determine the best car insurance in Aurora, Colorado, for different driver profiles:
- Affordability (70%): Using data collected from insurers in Aurora, MoneyGeek ranked insurers by their average annual premiums. Providers offering the cheapest rates in the city received a perfect score.
- Customer and claims satisfaction (20%): MoneyGeek analyzed surveys from J.D. Power to identify the customer satisfaction level of each insurance provider based on service and claims. The subcategories were each given a 10% weighting.
- Financial stability (10%): MoneyGeek used AM Best ratings to assess an insurance company's ability to meet financial obligations despite economic fluctuations.
MoneyGeek assigned each category a score of five points before calculating an overall score of 100 points. Several factors were taken into account in calculating the affordability score, including age, driving history and coverage levels, and were adjusted as required to focus on specific driver profiles.
With the exception of the cheapest minimum coverage category, all rates are representative of the average premiums for a full coverage policy with the following limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
For more information on MoneyGeek's collection, comparison and scoring process, check our car insurance methodology.
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