Cheapest and Best Car Insurance Companies in Arvada, CO

The most affordable insurer varies depending on your needs and driver profile. According to our data, American National P&C is the most affordable company for full coverage and minimum coverage policies. It also has the cheapest rates for military-affiliated drivers and those with driving violations such as a speeding ticket, at-fault accident or DUI. Kemper provides the best value for teens. For the best blend of affordability and customer service, MoneyGeek recommends Acuity.

The cheapest car insurance companies for a minimum coverage policy in Arvada are:

• American National P&C: approximately $211 per year
• Colorado Farm Bureau: approximately $301 per year

Farmers is the most expensive provider for minimum coverage, with policies priced at $666 per year, on average. American National P&C is the cheapest car insurance in Colorado statewide, with annual premiums averaging $216 as of October 2022. This makes getting insured with this company a few dollars cheaper in Arvada compared to most other cities in the state.

State law determines liability limits for minimum coverage. Minimum liability coverage in Colorado extends to bodily injury and property damage at these amounts:

• $25,000 bodily injury liability per person
• $50,000 bodily injury liability per accident
• $15,000 property damage liability per accident

Your liability insurance pays for injuries and damages but only up to certain limits if you’re at fault for an accident. Having $15,000 in property damage liability per accident in your policy means that your insurer will pay only up to $15,000 in total property damage resulting from an accident. You’ll have to pay out of pocket for costs beyond your policy’s liability limits.

The cheapest car insurance companies for a full coverage policy in Arvada are:

• American National P&C: approximately $499 per year
• GEICO: approximately $706 per year

Farmers offers the least affordable rates for full coverage at $1,274 per year, on average. You’ll find the cheapest full coverage car insurance in Colorado from American National P&C at $541 per year as of October 2022. This is a $42 difference, making Arvada a more expensive city to purchase full coverage compared to the state as a whole.

Full coverage insurance provides better protection by increasing your liability limits and adding comprehensive and collision insurance to your policy.

• Collision Insurance: Helps cover the costs of repair or replacement of your vehicle if it sustains damage in an at-fault accident.
• Comprehensive Insurance: Covers expenses related to repairing or replacing your vehicle if it sustains damage in a non-accident incident.

It might not be practical to buy a full coverage policy if you have an older vehicle since you’ll be paying higher premiums for a car that has depreciated in value.

The cheapest car insurance companies for a full coverage policy after driving violations in Arvada are:

• Speeding ticket: American National P&C (approximately $584 per year)
• At-fault accident: American National P&C (approximately $678 per year)
• DUI: American National P&C (approximately $757 per year)

Acuity charges the highest annual rates following a speeding ticket, accident or DUI averaging $2,831 per year for full coverage insurance. Expect your premiums to become more expensive following a violation, as even the cheapest insurers offer significantly higher rates.

Auto insurance premiums generally increase by several hundreds of dollars after violations. To give you an idea of how much rates change, we looked at the difference in average premiums between Arvada drivers with a clean record and those with a driving offense and discovered rate increases of around $307 after a ticket and $712 after a DUI for full coverage. It is possible to find cheap car insurance for drivers with poor driving records.

The cheapest car insurance companies for teens on a family policy in Arvada are:

• Kemper: approximately $1,970 per year for female teens; around $1,359 per year for male teens
• GEICO: approximately $2,197 per year for female teens; around $2,318 per year for male teens

The most expensive full coverage provider for teens is Farmers, with rates averaging $4,665 or $4,972 per year when a female or male teen is added to a family policy. Most insurers consider male teens as riskier to insure. However, with the cheapest insurer, Kemper, female teens pay $611 more per year. Sex-specific rate differences generally go away in early adulthood.

If you have a teen driver in the family, buying individual policies usually ends up costlier than simply adding the teen to a family policy. For example, a 16-year-old male in Arvada who’s included in a family policy could save up to $3,923 annually vs. buying their own policy. We also advise teens and parents to get personalized quotes from multiple companies to find the cheapest auto insurance for teens.

The cheapest car insurance companies for military families in Arvada are:

• American National P&C: approximately $499 per year
• USAA: approximately $704 per year

The rates shown above are for a full coverage policy. For minimum coverage, American National P&C and USAA are still the most affordable insurers at average annual rates of $211 and $269, respectively.

You can get personalized auto insurance quotes online for free, but the entire process could take up to 15 minutes. What’s worse is that you need to repeat this for each company.

With MoneyGeek’s car insurance calculator, you’ll get a quick ballpark figure of your premium by simply entering your age, vehicle type, preferred coverage level and driving record.

The best car insurance for you will depend on your needs. The best car insurance providers in Arvada, Colorado, for each category are:

• Best overall: American National P&C (MoneyGeek score of 83 out of 100)
• Best for service: Acuity (MoneyGeek score of 78 out of 100)
• Best cheap: American National P&C (MoneyGeek score of 83 out of 100)

Companies may have different scores because of category weightings. American National P&C is also the best car insurance provider in Colorado.

With a MoneyGeek score of 77 out of 100, USAA is great if you have a military background.

The overall best companies for car insurance in Arvada for affordability and service quality are:

• American National P&C: MoneyGeek score of 83 out of 100 (approximately $499 per year)
• GEICO: MoneyGeek score of 67 out of 100 (approximately $706 per year)

American National P&C scored highly for customer service and affordable rate. If you have a military background, USAA is another solid option. It earned a MoneyGeek score of 77 out of 100 for its excellent customer service and reasonably priced policies.

Without considering cost, the best car insurance companies in Arvada for customer service are:

• Acuity: MoneyGeek score of 78 out of 100 (approximately $1,270 per year)
• American National P&C: MoneyGeek score of 67 out of 100 (approximately $499 per year)

With Acuity, you can expect a wide selection of coverages and reliable service, but be prepared to pay higher premiums compared to what other insurers charge.

Factoring in affordability and service quality for policies that only meet Colorado’s minimum coverage requirements, we found that the best auto insurance companies in Arvada are:

• American National P&C: MoneyGeek score of 83 out of 100 (approximately $211 per year)
• Auto-Owners Insurance Co: MoneyGeek score of 70 out of 100 (approximately $372 per year)

Drivers usually find a minimum coverage policy to be the cheapest option. If you’re considering purchasing this type of policy, be aware that it provides little protection against liability costs and won’t cover damages to your car after an accident.

For a full coverage policy in Arvada, the average cost of car insurance is $975 per year, making it cheaper than the average cost of car insurance in Colorado (around $1,002) and less than the national average (roughly $1,265) as of October 2022. Our sample full coverage policy has $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

Location is just one of the many factors that insurers use when calculating your premium.