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Cheapest and Best Car Insurance Companies in Arvada, CO


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Updated: Sep 26, 2023
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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.

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2023

Cheapest and Best Car Insurance in Arvada, CO

Cheapest Minimum Liability Car Insurance in Arvada

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.

Company
Annual Premium
Monthly Premium

American National P&C

$211

$18

American National P&C

$242

$20

American National P&C

$254

$21

Colorado Farm Bureau

$301

$25

GEICO

$342

$29

Auto-Owners Insurance Co

$370

$31

Auto-Owners Insurance Co

$372

$31

State Farm

$377

$31

GEICO

$377

$31

GEICO

$382

$32

State Farm

$401

$33

American Family

$414

$35

Colorado Farm Bureau

$432

$36

Kemper

$439

$37

American Family

$446

$37

Nationwide

$470

$39

Nationwide

$482

$40

Kemper

$489

$41

American National P&C

$499

$42

American National P&C

$499

$42

Kemper

$511

$43

State Farm

$515

$43

Progressive

$516

$43

Acuity

$523

$44

Auto-Owners Insurance Co

$532

$44

Progressive

$538

$45

Farmers Union Insurance

$544

$45

American Family

$557

$46

Colorado Farm Bureau

$557

$46

Acuity

$585

$49

Farmers Union Insurance

$597

$50

Allstate

$602

$50

Progressive

$604

$50

Farmers Union Insurance

$619

$52

American National P&C

$620

$52

Allstate

$625

$52

Farmers

$666

$56

Nationwide

$672

$56

Farmers

$693

$58

Allstate

$703

$59

GEICO

$706

$59

GEICO

$729

$61

Acuity

$763

$64

State Farm

$800

$67

GEICO

$803

$67

Farmers

$815

$68

Colorado Farm Bureau

$840

$70

State Farm

$879

$73

American Family

$884

$74

Auto-Owners Insurance Co

$904

$75

Allstate

$920

$77

Nationwide

$930

$78

Progressive

$956

$80

Progressive

$968

$81

Auto-Owners Insurance Co

$979

$82

Allstate

$998

$83

American Family

$1,010

$84

Colorado Farm Bureau

$1,018

$85

Nationwide

$1,029

$86

Kemper

$1,072

$89

Kemper

$1,147

$96

Farmers Union Insurance

$1,148

$96

State Farm

$1,150

$96

Progressive

$1,181

$98

Allstate

$1,192

$99

Farmers

$1,239

$103

Farmers Union Insurance

$1,251

$104

American Family

$1,256

$105

Acuity

$1,270

$106

Farmers

$1,274

$106

Acuity

$1,274

$106

Colorado Farm Bureau

$1,275

$106

Nationwide

$1,334

$111

Kemper

$1,356

$113

Auto-Owners Insurance Co

$1,357

$113

Farmers Union Insurance

$1,423

$119

Farmers

$1,537

$128

Acuity

$1,767

$147

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.

Cheapest Full Coverage Car Insurance in Arvada

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.

Company
Annual Premium
Monthly Premium

American National P&C

$211

$18

American National P&C

$242

$20

American National P&C

$254

$21

Colorado Farm Bureau

$301

$25

GEICO

$342

$29

Auto-Owners Insurance Co

$370

$31

Auto-Owners Insurance Co

$372

$31

State Farm

$377

$31

GEICO

$377

$31

GEICO

$382

$32

State Farm

$401

$33

American Family

$414

$35

Colorado Farm Bureau

$432

$36

Kemper

$439

$37

American Family

$446

$37

Nationwide

$470

$39

Nationwide

$482

$40

Kemper

$489

$41

American National P&C

$499

$42

American National P&C

$499

$42

Kemper

$511

$43

State Farm

$515

$43

Progressive

$516

$43

Acuity

$523

$44

Auto-Owners Insurance Co

$532

$44

Progressive

$538

$45

Farmers Union Insurance

$544

$45

American Family

$557

$46

Colorado Farm Bureau

$557

$46

Acuity

$585

$49

Farmers Union Insurance

$597

$50

Allstate

$602

$50

Progressive

$604

$50

Farmers Union Insurance

$619

$52

American National P&C

$620

$52

Allstate

$625

$52

Farmers

$666

$56

Nationwide

$672

$56

Farmers

$693

$58

Allstate

$703

$59

GEICO

$706

$59

GEICO

$729

$61

Acuity

$763

$64

State Farm

$800

$67

GEICO

$803

$67

Farmers

$815

$68

Colorado Farm Bureau

$840

$70

State Farm

$879

$73

American Family

$884

$74

Auto-Owners Insurance Co

$904

$75

Allstate

$920

$77

Nationwide

$930

$78

Progressive

$956

$80

Progressive

$968

$81

Auto-Owners Insurance Co

$979

$82

Allstate

$998

$83

American Family

$1,010

$84

Colorado Farm Bureau

$1,018

$85

Nationwide

$1,029

$86

Kemper

$1,072

$89

Kemper

$1,147

$96

Farmers Union Insurance

$1,148

$96

State Farm

$1,150

$96

Progressive

$1,181

$98

Allstate

$1,192

$99

Farmers

$1,239

$103

Farmers Union Insurance

$1,251

$104

American Family

$1,256

$105

Acuity

$1,270

$106

Farmers

$1,274

$106

Acuity

$1,274

$106

Colorado Farm Bureau

$1,275

$106

Nationwide

$1,334

$111

Kemper

$1,356

$113

Auto-Owners Insurance Co

$1,357

$113

Farmers Union Insurance

$1,423

$119

Farmers

$1,537

$128

Acuity

$1,767

$147

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.

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Cheapest Car Insurance in Arvada After a Driving Offense

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.

Company
Annual Premium
Monthly Premium

American National P&C

$257

$21

American National P&C

$295

$25

American National P&C

$305

$25

American National P&C

$307

$26

American National P&C

$346

$29

American National P&C

$350

$29

American National P&C

$365

$30

Colorado Farm Bureau

$380

$32

American National P&C

$396

$33

Colorado Farm Bureau

$400

$33

GEICO

$410

$34

American National P&C

$414

$35

State Farm

$419

$35

State Farm

$419

$35

Auto-Owners Insurance Co

$425

$35

Auto-Owners Insurance Co

$429

$36

State Farm

$445

$37

State Farm

$445

$37

Colorado Farm Bureau

$446

$37

GEICO

$454

$38

State Farm

$461

$38

American Family

$463

$39

American Family

$463

$39

American Family

$468

$39

State Farm

$489

$41

American Family

$499

$42

American Family

$499

$42

GEICO

$501

$42

American Family

$503

$42

Colorado Farm Bureau

$545

$45

GEICO

$564

$47

Nationwide

$566

$47

State Farm

$572

$48

State Farm

$572

$48

Colorado Farm Bureau

$575

$48

Nationwide

$578

$48

Kemper

$583

$49

American National P&C

$584

$49

Progressive

$589

$49

American National P&C

$592

$49

Auto-Owners Insurance Co

$611

$51

American Family

$626

$52

American Family

$626

$52

State Farm

$630

$52

American Family

$631

$53

GEICO

$631

$53

Colorado Farm Bureau

$638

$53

Kemper

$649

$54

Progressive

$652

$54

Allstate

$654

$54

Progressive

$654

$55

Auto-Owners Insurance Co

$658

$55

Auto-Owners Insurance Co

$664

$55

Kemper

$673

$56

Kemper

$678

$57

American National P&C

$678

$57

Allstate

$680

$57

Progressive

$685

$57

American National P&C

$692

$58

Colorado Farm Bureau

$703

$59

GEICO

$706

$59

GEICO

$720

$60

Progressive

$725

$60

American National P&C

$731

$61

Colorado Farm Bureau

$740

$62

Nationwide

$743

$62

Progressive

$750

$62

Farmers Union Insurance

$750

$63

Kemper

$751

$63

American National P&C

$757

$63

Nationwide

$759

$63

Allstate

$760

$63

Nationwide

$768

$64

Allstate

$771

$64

American National P&C

$777

$65

Kemper

$784

$65

Allstate

$794

$66

Allstate

$794

$66

Farmers

$819

$68

Colorado Farm Bureau

$824

$69

GEICO

$827

$69

Auto-Owners Insurance Co

$831

$69

Allstate

$832

$69

Farmers Union Insurance

$838

$70

Auto-Owners Insurance Co

$839

$70

Progressive

$843

$70

American National P&C

$849

$71

Farmers Union Insurance

$868

$72

State Farm

$877

$73

State Farm

$877

$73

GEICO

$885

$74

Farmers Union Insurance

$908

$76

Farmers

$909

$76

Allstate

$912

$76

Nationwide

$933

$78

Farmers

$942

$79

Auto-Owners Insurance Co

$946

$79

Nationwide

$948

$79

American National P&C

$950

$79

Farmers Union Insurance

$951

$79

Progressive

$952

$79

State Farm

$953

$79

Progressive

$955

$80

Allstate

$958

$80

Farmers Union Insurance

$960

$80

State Farm

$960

$80

State Farm

$960

$80

Farmers

$966

$81

GEICO

$971

$81

Farmers

$991

$83

Nationwide

$998

$83

GEICO

$1,002

$84

Colorado Farm Bureau

$1,007

$84

Allstate

$1,011

$84

Auto-Owners Insurance Co

$1,012

$84

American Family

$1,016

$85

American Family

$1,016

$85

Farmers Union Insurance

$1,035

$86

Farmers Union Insurance

$1,037

$86

State Farm

$1,042

$87

Colorado Farm Bureau

$1,043

$87

American Family

$1,046

$87

GEICO

$1,048

$87

Farmers

$1,052

$88

Colorado Farm Bureau

$1,070

$89

Auto-Owners Insurance Co

$1,088

$91

Farmers

$1,091

$91

Farmers

$1,091

$91

Kemper

$1,094

$91

Allstate

$1,096

$91

Nationwide

$1,123

$94

Progressive

$1,138

$95

Farmers

$1,141

$95

American Family

$1,160

$97

American Family

$1,160

$97

Nationwide

$1,186

$99

American Family

$1,193

$99

Progressive

$1,193

$99

Auto-Owners Insurance Co

$1,196

$100

Allstate

$1,199

$100

Kemper

$1,219

$102

Nationwide

$1,222

$102

Farmers Union Insurance

$1,224

$102

GEICO

$1,239

$103

Colorado Farm Bureau

$1,245

$104

State Farm

$1,261

$105

State Farm

$1,261

$105

Allstate

$1,261

$105

Colorado Farm Bureau

$1,267

$106

Progressive

$1,268

$106

Kemper

$1,273

$106

Allstate

$1,298

$108

Acuity

$1,301

$108

Acuity

$1,301

$108

Acuity

$1,301

$108

Allstate

$1,321

$110

Colorado Farm Bureau

$1,330

$111

Progressive

$1,333

$111

Kemper

$1,359

$113

Progressive

$1,363

$114

Allstate

$1,369

$114

State Farm

$1,371

$114

GEICO

$1,398

$116

Acuity

$1,445

$120

Acuity

$1,445

$120

Acuity

$1,445

$120

American Family

$1,449

$121

American Family

$1,449

$121

Kemper

$1,461

$122

Auto-Owners Insurance Co

$1,463

$122

Nationwide

$1,469

$122

American Family

$1,493

$124

Progressive

$1,502

$125

GEICO

$1,510

$126

Kemper

$1,515

$126

Auto-Owners Insurance Co

$1,517

$126

Nationwide

$1,526

$127

GEICO

$1,540

$128

Auto-Owners Insurance Co

$1,550

$129

Colorado Farm Bureau

$1,572

$131

Farmers Union Insurance

$1,583

$132

Allstate

$1,586

$132

Nationwide

$1,593

$133

Colorado Farm Bureau

$1,597

$133

Farmers

$1,611

$134

Progressive

$1,619

$135

Kemper

$1,631

$136

Farmers

$1,656

$138

Allstate

$1,675

$140

Colorado Farm Bureau

$1,686

$141

Kemper

$1,714

$143

Progressive

$1,749

$146

GEICO

$1,762

$147

Farmers Union Insurance

$1,771

$148

Farmers

$1,789

$149

Auto-Owners Insurance Co

$1,800

$150

Nationwide

$1,850

$154

Farmers Union Insurance

$1,855

$155

Farmers

$1,857

$155

Farmers

$1,868

$156

Farmers

$1,872

$156

Progressive

$1,885

$157

Auto-Owners Insurance Co

$1,894

$158

Kemper

$1,903

$159

Farmers Union Insurance

$1,905

$159

Acuity

$1,912

$159

Acuity

$1,912

$159

Acuity

$1,912

$159

Farmers

$1,923

$160

GEICO

$1,944

$162

Farmers Union Insurance

$1,946

$162

Nationwide

$1,973

$164

Nationwide

$1,974

$165

Farmers

$2,053

$171

Farmers Union Insurance

$2,068

$172

Farmers Union Insurance

$2,099

$175

Farmers

$2,125

$177

Auto-Owners Insurance Co

$2,186

$182

Farmers Union Insurance

$2,259

$188

Nationwide

$2,354

$196

Farmers Union Insurance

$2,383

$199

Kemper

$2,497

$208

Auto-Owners Insurance Co

$2,686

$224

Kemper

$2,691

$224

Acuity

$2,831

$236

Acuity

$2,831

$236

Acuity

$2,831

$236

Acuity

$2,881

$240

Acuity

$2,881

$240

Acuity

$2,881

$240

Kemper

$3,152

$263

Acuity

$4,007

$334

Acuity

$4,007

$334

Acuity

$4,007

$334

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.

Cheapest Car Insurance in Arvada for Teens and Their Families

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Kemper

$991

$3,018

State Farm

$1,001

$2,028

Kemper

$1,061

$8,932

State Farm

$1,096

$2,220

State Farm

$1,146

$2,636

Kemper

$1,151

$5,617

State Farm

$1,183

$2,395

Kemper

$1,185

$2,816

GEICO

$1,247

$2,314

Kemper

$1,295

$10,902

GEICO

$1,331

$1,659

GEICO

$1,353

$1,753

GEICO

$1,355

$2,484

Kemper

$1,359

$14,488

Kemper

$1,359

$7,610

Kemper

$1,359

$4,964

Kemper

$1,366

$4,158

Kemper

$1,367

$6,670

GEICO

$1,410

$1,757

Kemper

$1,448

$4,577

Kemper

$1,448

$4,408

GEICO

$1,453

$1,882

GEICO

$1,477

$1,841

Kemper

$1,481

$7,170

GEICO

$1,482

$2,093

GEICO

$1,507

$2,257

GEICO

$1,508

$1,953

Kemper

$1,510

$4,118

GEICO

$1,533

$7,026

Nationwide

$1,545

$2,556

Nationwide

$1,555

$2,463

Kemper

$1,556

$3,697

Kemper

$1,564

$3,717

Nationwide

$1,597

$3,242

GEICO

$1,634

$7,180

State Farm

$1,638

$2,309

Allstate

$1,638

$2,653

Allstate

$1,638

$2,653

Nationwide

$1,648

$3,552

Kemper

$1,669

$5,934

Kemper

$1,682

$5,317

GEICO

$1,693

$7,437

Allstate

$1,704

$5,022

Allstate

$1,704

$5,022

Allstate

$1,706

$2,232

Allstate

$1,706

$2,232

Nationwide

$1,715

$2,717

GEICO

$1,724

$3,844

State Farm

$1,730

$2,833

Nationwide

$1,748

$3,035

Allstate

$1,757

$2,298

Allstate

$1,757

$2,298

GEICO

$1,781

$3,866

State Farm

$1,785

$2,516

Nationwide

$1,786

$2,953

Allstate

$1,791

$2,462

Allstate

$1,791

$2,462

Nationwide

$1,803

$3,309

Nationwide

$1,808

$2,864

Allstate

$1,817

$2,377

Allstate

$1,817

$2,377

GEICO

$1,853

$3,439

Kemper

$1,868

$9,048

GEICO

$1,880

$3,446

Nationwide

$1,880

$3,110

Allstate

$1,888

$3,428

Allstate

$1,888

$3,428

State Farm

$1,891

$3,082

Allstate

$1,909

$3,092

Allstate

$1,909

$3,092

Auto-Owners Insurance Co

$1,916

$4,121

Auto-Owners Insurance Co

$1,918

$4,214

State Farm

$1,953

$2,753

State Farm

$1,962

$3,594

State Farm

$1,963

$3,215

Kemper

$1,970

$12,402

Auto-Owners Insurance Co

$2,017

$4,433

Auto-Owners Insurance Co

$2,087

$4,488

Auto-Owners Insurance Co

$2,090

$5,030

State Farm

$2,100

$3,384

Auto-Owners Insurance Co

$2,137

$4,696

Nationwide

$2,150

$5,155

GEICO

$2,197

$14,341

Auto-Owners Insurance Co

$2,210

$5,488

State Farm

$2,227

$4,080

Nationwide

$2,254

$6,420

Allstate

$2,277

$6,709

Allstate

$2,277

$6,709

Auto-Owners Insurance Co

$2,287

$4,920

Nationwide

$2,289

$5,998

Auto-Owners Insurance Co

$2,295

$6,065

Auto-Owners Insurance Co

$2,304

$5,332

Nationwide

$2,314

$4,699

GEICO

$2,318

$13,229

Allstate

$2,330

$8,866

Allstate

$2,330

$8,866

Nationwide

$2,381

$7,094

Nationwide

$2,398

$6,829

Farmers

$2,401

$3,090

Nationwide

$2,435

$5,246

State Farm

$2,435

$4,457

Nationwide

$2,435

$7,374

State Farm

$2,438

$3,927

Progressive

$2,466

$3,492

Auto-Owners Insurance Co

$2,502

$5,791

Auto-Owners Insurance Co

$2,519

$6,369

State Farm

$2,523

$4,622

Progressive

$2,528

$2,586

State Farm

$2,536

$5,233

GEICO

$2,536

$11,626

Farmers

$2,537

$3,399

Progressive

$2,554

$2,605

Nationwide

$2,574

$8,164

Nationwide

$2,591

$7,847

Auto-Owners Insurance Co

$2,607

$6,889

Progressive

$2,612

$3,748

Auto-Owners Insurance Co

$2,628

$7,886

State Farm

$2,792

$5,074

Progressive

$2,811

$2,867

Progressive

$2,906

$3,326

Progressive

$2,913

$2,979

Progressive

$2,919

$4,689

Progressive

$2,980

$4,220

Progressive

$2,986

$3,437

Auto-Owners Insurance Co

$2,987

$6,954

Progressive

$2,999

$3,060

Progressive

$3,141

$3,212

State Farm

$3,177

$5,774

Auto-Owners Insurance Co

$3,190

$8,999

State Farm

$3,191

$6,547

Progressive

$3,192

$5,255

Auto-Owners Insurance Co

$3,277

$8,280

Auto-Owners Insurance Co

$3,285

$7,647

Progressive

$3,302

$4,738

Farmers

$3,451

$2,734

Progressive

$3,489

$10,165

Farmers

$3,509

$2,781

Farmers

$3,521

$2,790

Farmers

$3,551

$2,949

Farmers

$3,569

$2,930

Auto-Owners Insurance Co

$3,576

$10,088

Auto-Owners Insurance Co

$3,580

$11,206

Farmers

$3,611

$2,964

Farmers

$3,677

$3,018

Farmers

$3,705

$3,253

Progressive

$3,770

$10,633

Progressive

$3,801

$11,260

Farmers

$3,849

$6,101

Farmers

$3,946

$12,788

Farmers

$3,994

$6,548

Progressive

$4,070

$11,596

Farmers

$4,168

$13,899

Progressive

$4,171

$12,151

Farmers

$4,360

$14,131

Farmers

$4,405

$5,669

Progressive

$4,495

$13,316

Farmers

$4,560

$6,110

Farmers

$4,644

$15,487

Farmers

$4,665

$18,437

Farmers

$4,972

$20,351

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.

Cheapest Car Insurance in Arvada for Military Drivers

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.

Company
Annual Premium
Monthly Premium

USAA

$280

$23

USAA

$312

$26

PEMCO

$319

$27

Capital Insurance Group

$319

$27

USAA

$342

$29

PEMCO

$347

$29

Capital Insurance Group

$347

$29

PEMCO

$399

$33

State Farm

$410

$34

Chubb

$415

$35

GEICO

$430

$36

State Farm

$449

$37

Chubb

$490

$41

Travelers

$503

$42

Capital Insurance Group

$509

$42

Travelers

$511

$43

GEICO

$543

$45

State Farm

$561

$47

GEICO

$568

$47

Travelers

$580

$48

PEMCO

$618

$52

USAA

$636

$53

Kemper

$653

$54

USAA

$655

$55

Farmers

$657

$55

Allstate

$658

$55

PEMCO

$666

$56

Allstate

$677

$56

Capital Insurance Group

$684

$57

Chubb

$687

$57

Progressive

$692

$58

Farmers

$694

$58

Kemper

$716

$60

Allstate

$726

$61

Kemper

$730

$61

Nationwide

$733

$61

American Family

$748

$62

Progressive

$753

$63

Capital Insurance Group

$764

$64

American Family

$773

$64

Farmers

$782

$65

PEMCO

$783

$65

Nationwide

$786

$66

USAA

$791

$66

Progressive

$796

$66

American Family

$805

$67

GEICO

$812

$68

Kemper

$817

$68

State Farm

$835

$70

State Farm

$918

$76

Chubb

$927

$77

National General

$952

$79

Travelers

$970

$81

GEICO

$971

$81

Travelers

$1,006

$84

Kemper

$1,072

$89

Allstate

$1,072

$89

Nationwide

$1,085

$90

Nationwide

$1,088

$91

Chubb

$1,113

$93

Capital Insurance Group

$1,131

$94

GEICO

$1,131

$94

American Family

$1,146

$96

Allstate

$1,149

$96

National General

$1,156

$96

Allstate

$1,159

$97

Kemper

$1,192

$99

American Family

$1,193

$99

State Farm

$1,195

$100

Travelers

$1,202

$100

Nationwide

$1,206

$101

Progressive

$1,211

$101

Farmers

$1,215

$101

American Family

$1,220

$102

Farmers

$1,226

$102

Progressive

$1,286

$107

National General

$1,301

$108

Progressive

$1,444

$120

Farmers

$1,449

$121

National General

$1,500

$125

Chubb

$1,509

$126

Nationwide

$1,624

$135

National General

$1,845

$154

National General

$1,893

$158

Dairyland

$2,083

$174

Dairyland

$2,149

$179

Dairyland

$3,167

$264

Dairyland

$3,989

$332

Dairyland

$4,388

$366

Dairyland

$6,397

$533

How to Compare Cheap Arvada Car Insurance Quotes Online

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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USAA

Best Car Insurance in Arvada: Summary

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.

Best Overall Car Insurance in Arvada

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.

How was this MoneyGeek score calculated?

American National Insurance Company

pros

Highest score for affordability

Scored well on customer satisfaction

Offers gap insurance, roadside assistance and rental car coverages

cons

Weak claims management score

Doesn’t offer deductible modification and accident forgiveness

COMPANY HIGHLIGHTS

American National P&C has limited coverages on offer, but these include a couple of rare add-ons and three out of the four essential coverages. Most drivers are concerned about the cost of replacing damaged car parts, but just paying a few extra dollars per year to your policy for spare parts coverage lets you receive up to $1,000 to restock if your car’s parts are damaged in a covered loss.

Classic car insurance is a must-have if you own a collectible vehicle, as it will protect you from any costly specialized repairs or restoration that your car needs after an accident. These are usually more expensive for classic cars compared to regular cars. American National P&C also offers three out of the four essential coverages which might already satisfy the needs of most drivers, including rental car coverage, roadside assistance and gap insurance.

Best Car Insurance in Arvada for Customer Service

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.

How was this MoneyGeek score calculated?

Acuity

pros

Excellent score on customer satisfaction

Great score on coverages

Has three out of the four essential coverages

Offers new car replacement, gap insurance and full glass coverages

cons

Doesn’t offer accident forgiveness and deductible modification

Expensive

Lower claims management score

COMPANY HIGHLIGHTS

Acuity has a good selection of coverages, combining essential add-ons with rare but very useful ones. We highly recommend its new car replacement coverage to drivers with new cars. With this add-on, your Acuity policy will take care of replacing your totaled car with a brand-new vehicle of the same make and model. If you have an older car that’s totaled in a covered loss, you’ll be reimbursed 25% above the vehicle’s current value.

Acuity is also one of the very few insurers that offer full safety glass coverage. This waives your comprehensive deductible if your car’s windows or windshield need to be repaired or replaced. This is a great benefit to have on top of your auto policy. Keep in mind that even a small ding can worsen over time, and repairs could easily cost anywhere from $100 up to $1,000.

Best Cheap Car Insurance Companies in Arvada

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.

How was this MoneyGeek score calculated?

American National Insurance Company

pros

An affordable minimum coverage policy costs $211 per year

Ranks highly in customer satisfaction

Offers discounts for bundling policies, insuring multiple cars and for early renewal of policy

cons

Offers very few discounts

Below-average rating on claims management

COMPANY HIGHLIGHTS

American National P&C has the most affordable minimum coverage policies at only $211 per year, but you can still lower this rock-bottom rate by taking advantage of discounts. American National P&C only offers three discounts, but these apply to most drivers, so you might qualify for at least one.

You could save by bundling your auto insurance with an American National P&C home or life insurance policy. You’ll also maximize your savings by insuring more cars. We even found that the easiest way to get a discount without purchasing additional policies is to simply sign up for an auto policy before your current one expires.

Policyholders should be prepared for a subpar claims management experience, but if affordability is the most important factor, this insurer is worth considering.

Average Cost of Car Insurance in Arvada

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.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.