Compare the Cheapest Car Insurance Quotes in Arvada

Car insurance in Arvada costs on average $1,318 per year, lower than the state’s average rates. GEICO offers the cheapest policy in the city at $766 annually. MoneyGeek evaluated the cheapest car insurance companies in Arvada based on coverage level and driving record. We also looked at the top options for drivers looking to prioritize quality service over cost.

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Last Updated: 5/16/2022
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Excluding USAA, GEICO offers the cheapest car insurance in Arvada, but the lowest for you may be different, depending on your unique profile.

GEICO is also the best option for a state-minimum policy and drivers with speeding tickets. If you have a military background, USAA offers the best rates.

MoneyGeek also evaluated the best car insurance in Arvada, balancing cost with customer service, and found that State Farm ranked highest.

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The Cheapest and Best Car Insurance in Arvada

The Cheapest Car Insurance Companies in Arvada

You can find the cheapest full coverage car insurance in Arvada from the following companies:

  • GEICO: $766 per year
  • Travelers: $953 per year

If you have a military background, USAA is a great option. They offer full coverages for an average annual premium of $654.

Progressive offers the most expensive insurance in the state, at $1,889 annually. That’s about 146% higher than GEICO.

In addition to liability insurance, full coverage car insurance includes comprehensive and collision coverage. Rates may vary depending on your coverage levels. Insurers may also offer varying rates.

Cheapest Car Insurance in Arvada
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    USAA
    $654
  • 2.
    GEICO
    $766
  • 3.
    Travelers
    $953
  • 4.
    State Farm
    $1,034
  • 5.
    Esurance
    $1,079
  • 6.
    Nationwide
    $1,082
  • 7.
    Allstate
    $1,124
  • 8.
    Farmers
    $1,675
  • 9.
    American Family
    $1,746
  • 10.
    MetLife
    $1,835
  • 11.
    Progressive
    $1,889

MoneyGeek’s calculated rates using the profile of a 40-year-old male driver in Arvada with full coverage auto insurance, as detailed in our methodology.

Purchasing full coverage auto insurance provides you with more financial protection. It may cost more than the state minimum policy, but includes the following coverage types:

  • Collision insurance: helps pay for repair costs from damaged due to an accident
  • Comprehensive insurance: protects you from expenses caused by non-collision-related incidents

If you have an older car, it may be better to opt for liability-only insurance or a state-minimum policy to get the cheapest insurance rates, as a full coverage policy may cost more than it’s worth to insure your car.

Compare Car Insurance Rates in Arvada

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Arvada for Minimum Coverage

In Arvada, the cheapest car insurance companies for drivers who want state-minimum policies are:

  • GEICO: $345 per year
  • State Farm: $496 per year

Present or former military members can find low rates from USAA. A policy with state minimum limits costs $277 per year on average through USAA.

If you drive an older car, liability-only coverage might be your best bet. You may end up paying more than your car is worth with a full coverage policy. Look at the table to compare costs.

Cheapest Minimum Liability Car Insurance in Arvada
State Minimum

Colorado’s minimum car insurance is the cheapest option in Arvada, but it may not offer you the best protection.

The state requires drivers to carry minimum insurance that has a limit of $15,000 for property damage. For example, if your repairs after an accident totaled $40,000, you’d have to pay $25,000 out of your pocket.

Colorado Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.

Cheapest Car Insurance in Arvada if You Have Driving Violations

Your driving record is a key factor affecting your car insurance premiums. Having violations like speeding tickets, at-fault accidents or DUIs on your driving record can cause your rates to increase.

The companies offering the most affordable car insurance in Arvada for drivers with driving violations are:

  • Cheapest after a ticket: GEICO, $967 per year
  • Cheapest after an at-fault accident: State Farm, $1,196 per year
  • Cheapest after a DUI: State Farm, $1,115 per year

USAA is also an excellent option for drivers with military backgrounds who have speeding tickets or at-fault accidents on their records. USAA’s rate for drivers with speeding tickets is $796 per year, and for those with at-fault accidents is $932.

The best way for drivers to get lower rates after a ticket or an accident is to improve their records over time. In the short term, comparing car insurance quotes in Arvada can help you find the best deal.

Cheapest Car Insurance in Arvada With a Violation
Speeding Ticket

Average Cost of Car Insurance in Arvada

Arvada$1,318
Colorado$1,450
U.S.$1,424

Arvada’s average cost of insurance is $1,318 per year, lower than both the state and national averages. Drivers in Arvada pay 9.1% less for coverage compared to other Coloradans. The city’s average auto insurance premium is 7.4% lower than the national average.

Personalized Quotes to Get You the Cheapest Car Insurance in Arvada

When you gather car insurance quotes in Arvada, it’s crucial to note that insurers use several factors to set rates. These include your age, gender, driving history and ZIP code. Your car’s make and model, as well as your preferred coverage levels, also impact the cost of car insurance in Arvada.

As insurers weigh factors differently, comparing quotes can help you find the best rate given your situation. Compare quotes from at least three different insurers to find the cheapest rate.

Compare Car Insurance Rates in Arvada

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

The Best Car Insurance Companies in Arvada

MoneyGeek also ranked the best car insurance companies in Arvada for drivers who want to balance cost with service quality.

The best car insurance companies in Arvada with these qualifications are:

  • State Farm: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA ranked first in MoneyGeek’s study, but is not included in the list above because it is only available to military families. They may be your best auto insurance option if you have a military background.

MoneyGeek's scoring system considers J.D. Power user satisfaction scores and a company’s affordability and financial stability.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
State Farm
Score:90

3/5

Affordability

3/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:90

5/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:82.5

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

5
CSAA
Score:82.5

5/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

6
Liberty Mutual
Score:82.5

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

7
American Family
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
Travelers
Score:80

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A++

Financial Stability

9
Safeco
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

10
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
Progressive
Score:77.5

3/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

12
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

Average Cost of Car Insurance by Postal Code

Where you live is one of the factors that can significantly affect auto insurance quotes. Insurers use your ZIP code to determine several risk factors.

For example, if there are a high number of accidents in your area, this may cause your premium to increase. Frequent occurrences of automobile theft or vandalism have the same effect.

Those living in the 80003 ZIP code have the lowest car insurance rates in Arvada. Their annual average premium costs $1,317. Drivers from the 80004 area pay a slightly higher rate at $1,319 per year on average.

  • Zip Code
    State Minimumper year
  • 80003
    $1,317
  • 80004
    $1,319

Factors That Impact Insurance Costs in Arvada

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Arvada. How Arvada ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities228th/300
handcuffs2 icon
Most Car Thefts278th/300
uninsured icon
Most Uninsured Motorists by State19th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall233rd/300
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Most Rainy Days176th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Arvada are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

About the Author


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Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.