In Arvada, Colorado, American National P&C offers the cheapest full coverage premiums, while Colorado Farm Bureau has the lowest rates for minimum coverage. For families with teens, Kemper is the most affordable provider. Acuity is the best for customer service and also ranks as the best overall for balance price and service. However, the best insurer depends on your individual needs and coverage preferences.
Cheapest and Best Car Insurance in Arvada, CO (2024)
Colorado Farm Bureau offers Arvada's cheapest minimum coverage car insurance at $281 annually. Acuity is the overall best with its blend of affordability and serving and a MoneyGeek score of 85 out of 100.
Updated: November 21, 2024
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Cheapest and Best Car Insurance in Arvada
Why Trust MoneyGeek? We analyzed 106,836 quotes in Colorado from 14 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Arvada insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Arvada, CO, as of June 2024.
Cheapest Minimum Coverage Car Insurance in Arvada
MoneyGeek found that Colorado Farm Bureau is the cheapest option in Arvada, providing residents with the cheapest car insurance. Here are the two most affordable providers:
- Colorado Farm Bureau: $281 per year
- American National P&C: $281 per year
Allstate has the most expensive minimum coverage policy in Arvada, with an annual premium of $887. The cost difference between Colorado Farm Bureau and Allstate is $606, underscoring the importance of comparing car insurance rates to ensure you are getting the best deal.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Colorado Farm Bureau | $281 | $23 |
American National P&C | $281 | $23 |
GEICO | $389 | $32 |
Auto-Owners Insurance Co | $419 | $35 |
American Family | $493 | $41 |
State Farm | $521 | $43 |
Acuity | $533 | $44 |
Farmers Union Insurance | $544 | $45 |
Progressive | $585 | $49 |
Kemper | $666 | $55 |
Nationwide | $703 | $59 |
Farmers | $765 | $64 |
Allstate | $887 | $74 |
State Minimum Liability Requirements
Colorado state law dictates the minimum car insurance coverage required with the following limits:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $15,000 property damage liability per accident
If you have the minimum coverage and are at fault in an accident, your policy would cover up to $25,000 for bodily injury per person. However, if an individual's medical expenses exceed this limit, you'd be responsible for the difference out of pocket. For all injuries in an accident, the policy would only pay up to $50,000, regardless of the number of people injured.
Cheapest Full Coverage Car Insurance in Arvada
MoneyGeek found that American National P&C is the cheapest option in Arvada for drivers seeking the cheapest full coverage car insurance. Here are the top two most affordable providers in Arvada:
- American National P&C: $674 per year
- Colorado Farm Bureau: $742 per year
Kemper offers the most expensive full coverage policy in Arvada at $1,600 annually, costing $926 more than American National P&C. This rate difference underscores the importance of shopping around. Full coverage policies are more costly than minimum coverage because they provide comprehensive protection against theft, vandalism and accidents, no matter who's at fault.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
American National P&C | $674 | $56 |
Colorado Farm Bureau | $742 | $62 |
GEICO | $910 | $76 |
Auto-Owners Insurance Co | $1,065 | $89 |
Farmers Union Insurance | $1,148 | $96 |
State Farm | $1,169 | $97 |
Acuity | $1,224 | $102 |
Progressive | $1,267 | $106 |
American Family | $1,279 | $107 |
Nationwide | $1,287 | $107 |
Allstate | $1,370 | $114 |
Farmers | $1,539 | $128 |
Kemper | $1,600 | $133 |
Do You Need Full Coverage in Colorado?
A full coverage policy has enhanced liability limits, boosting coverage to $100,000 for bodily injury per individual, $300,000 for bodily injury per accident and $100,000 for property damage per accident. In industry terms, this enhanced plan is commonly referenced as a 100/300/100 policy.
The benefits of a full coverage policy extend beyond increased liability limits, including comprehensive and collision coverage:
- Collision Insurance: This covers the cost of repairs to your vehicle in the event of a collision, whether it involves a stationary object like a tree or light post or another vehicle. It also covers rollover accidents and pothole damage.
- Comprehensive Insurance: This provides financial protection against various non-collision-related incidents, such as vandalism, theft, fires, natural disasters or being struck by an animal.
If you have invested in a new vehicle, obtaining full coverage insurance is a strategic decision to protect your investment from unforeseen damages. However, owners of older vehicles may find that the additional expense of full coverage does not equate to sensible value. When determining how much car insurance you need, it's a matter of weighing the higher premiums associated with extensive coverage against the risk of being underinsured. The key is to strike a balance between adequate protection and cost-efficiency.
Cheapest Car Insurance in Arvada After a Driving Offense
MoneyGeek found that American National P&C is the cheapest option in Arvada for drivers with a poor driving record seeking a full coverage policy. These are the cheapest companies for various offenses:
- Speeding Ticket: American National P&C ($788 per year)
- At-Fault Accident: American National P&C ($914 per year)
- DUI: Colorado Farm Bureau ($958 per year)
Kemper has the most expensive rate for drivers with a DUI on their record, with an annual premium of $3,698. Acuity is the most expensive for drivers with a speeding ticket or an at-fault accident, with an annual cost of $2,753 for both infractions. Different violations impact insurance rates, highlighting the importance of maintaining a good driving record.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
American National P&C | $788 | $66 |
Colorado Farm Bureau | $898 | $75 |
GEICO | $1,144 | $95 |
Auto-Owners Insurance Co | $1,161 | $97 |
State Farm | $1,277 | $106 |
American Family | $1,467 | $122 |
Allstate | $1,533 | $128 |
Nationwide | $1,573 | $131 |
Farmers Union Insurance | $1,583 | $132 |
Progressive | $1,666 | $139 |
Farmers | $1,975 | $165 |
Kemper | $2,013 | $168 |
Acuity | $2,753 | $229 |
In Arvada, insurance rates typically increase with the severity of a driving offense because insurers view more serious violations as indicative of higher risk. Drivers who have received a speeding ticket face an average annual rate of $2,097, while those with a DUI face a higher rate of $2,703. Given these substantial differences, drivers with offenses need to compare insurance rates to seek potential savings.
Cheapest Car Insurance in Arvada for Teens and Their Families
MoneyGeek found that Kemper is the best option in Arvada for the cheapest car insurance for teens.
- Kemper: $1,970 per year for female teens and $1,359 per year for male teens
- GEICO: $2,197 per year for female teens and $2,318 per year for male teens
These rates reflect the cost to cover a combination of two parents and a teen driver. Farmers has the most expensive policies for teen drivers, with an annual premium of $4,665 for female teens and $4,972 for male teens. The annual difference between the cheapest and most expensive options for female teens is $2,695. This difference underscores the importance of comparing rates for families with teenage drivers, who are typically considered high-risk.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
Kemper | $1,970 | $6,429 |
GEICO | $2,197 | $7,851 |
Allstate | $2,330 | $5,767 |
Nationwide | $2,381 | $4,528 |
State Farm | $2,536 | $3,357 |
Auto-Owners Insurance Co | $3,277 | $3,062 |
Progressive | $3,770 | $6,581 |
Farmers | $4,665 | $11,419 |
In Arvada, as in many cities, teen drivers looking for car insurance face higher premiums when purchasing an individual policy compared to being added to a family plan. On average, a teen's individual annual premium is $6,732, whereas the average family annual premium is lower at $3,049. One major reason for this disparity is the perceived risk associated with insuring inexperienced teen drivers. Insurers generally view these drivers as high-risk, resulting in elevated rates. Teens may also have difficulty being approved for individual policies due to their lack of credit history and driving experience. For cost efficiency and greater approval chances, it's advantageous for teens to be insured on a family plan.
Cheapest Car Insurance in Arvada for Military Drivers
MoneyGeek found that American National P&C offers the cheapest car insurance for military backgrounds in Arvada.
- American National P&C: $674 per year
- Colorado Farm Bureau: $742 per year
Although USAA ranks third with an annual premium of $841, it is known to cater specifically to active-duty military members, veterans and their families. If you have a military background, you might consider USAA for its tailored services despite it not being the absolute cheapest in Arvada.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
American National P&C | $674 | $56 |
Colorado Farm Bureau | $742 | $62 |
USAA | $841 | $70 |
GEICO | $910 | $76 |
Auto-Owners Insurance Co | $1,065 | $89 |
Farmers Union Insurance | $1,148 | $96 |
State Farm | $1,169 | $97 |
Acuity | $1,224 | $102 |
Progressive | $1,267 | $106 |
American Family | $1,279 | $107 |
Nationwide | $1,287 | $107 |
Allstate | $1,370 | $114 |
Farmers | $1,539 | $128 |
Kemper | $1,600 | $133 |
How to Compare Cheap Arvada Car Insurance Quotes Online
Comparing car insurance rates in Arvada can lead to significant savings. Yet, evaluating three or more providers can take over an hour.
MoneyGeek's car insurance calculator can help expedite this process. By inputting details such as age, driving history, credit score and coverage preferences, you can quickly receive a tailored rate estimate.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 06, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance in Arvada: Overview
Choosing the right auto insurance boils down to what you prioritize: cost, coverage, service quality or other factors. MoneyGeek's analysis using distinct rating criteria for each category has pinpointed the premier insurance providers in Arvada for different needs:
- Best overall: Acuity (MoneyGeek score 85 out of 100)
- Best for service: Acuity (MoneyGeek score 96 out of 100)
- Best cheap: Acuity (MoneyGeek score 86 out of 100)
Acuity has the top scores across all categories and is the unparalleled choice for drivers seeking optimal value, service and affordability in their car insurance.
Overall Best Car Insurance in Arvada
MoneyGeek found that Acuity is the best option in Arvada for drivers in search of the best car insurance. Consumers should consider the following top providers:
- Acuity: MoneyGeek score of 85 out of 100 ($1,224 per year)
- American National P&C: MoneyGeek score of 78 out of 100 ($674 per year)
Acuity stands out in Arvada with a high MoneyGeek score, particularly excelling in customer satisfaction and claims handling. These elements demonstrate the insurer's commitment to meeting client expectations and providing quality service. The score is for a comprehensive full coverage policy.
Acuity's exceptional MoneyGeek score is largely attributed to its stellar claims and satisfaction scores, signaling its dedication to customer service and efficient claims processing. The company offers the two most common car insurance coverages: rental car and/or travel reimbursement and roadside assistance. It also offers new car replacement for added financial protection when purchasing a new vehicle. Despite not featuring some rare coverages, Acuity's top-tier rankings make it an excellent choice for insurance needs.
Acuity also stands out for its rare coverage options, such as full glass coverage, which includes repairing or replacing all glass on the vehicle. This feature is useful if you are concerned about windshield and window damage. Its coverage package delivers a comprehensive suite of enhancements, offering a tailored insurance experience. Gap insurance is also available to protect clients, especially if you have a new car, from financial gaps when they owe more on a car loan than its depreciated value. Acuity’s commitment to extensive coverage options confirms its position as a provider of valuable and reliable car insurance.
- Ranks first in city for claims handling
- Ranks second in the city for key coverages
- Ranks seventh in the city for cost, with an average annual premium of $1,224
MoneyGeek evaluates Arvada's top car insurers by prioritizing customer satisfaction and cost-effectiveness, with claims processing, coverage options, and fiscal health also key.
Best Car Insurance in Arvada for Customer Service
MoneyGeek found that Acuity is the best option in Arvada for top-notch car insurance customer service, regardless of rates.
- Acuity: MoneyGeek score of 96 out of 100 ($1,224 per year)
- American Family: MoneyGeek score of 76 out of 100 ($1,279 per year)
Acuity stands out in the car insurance market due to its exceptional customer satisfaction and claims handling scores. These elements greatly contributed to its near-perfect MoneyGeek score, reinforcing its position as a leading provider of car insurance services.
Acuity stands out for its excellent customer satisfaction and claims handling, with top marks in these categories. It offers rental car and/or travel reimbursement and roadside assistance.
Acuity's coverage package bundles personal auto enhancements and extends protection in multiple scenarios. Its full glass coverage alleviates the worry of costly repairs due to glass damage, while its new car replacement coverage is perfect if you seek security in the initial period of vehicle ownership. It also offers gap insurance, which can shield clients from the financial strain if their car is totaled or stolen and they owe more than the depreciated value. These thoughtful offerings reinforce Acuity's commitment to customer-focused service.
- Ranks first in the city for general customer satisfaction
- Ranks first in the city for claims handling
- Ranks second for key coverages
MoneyGeek prioritizes customer satisfaction and efficient claims processing in ranking Arvada's top car insurers, while also valuing coverage options and financial health.
Best Cheap Car Insurance in Arvada
MoneyGeek found that Acuity is the best option in Arvada for drivers looking for cheap car insurance with a strong overall value.
- Acuity: MoneyGeek score of 86 out of 100 ($533 per year)
- American National P&C: MoneyGeek score of 80 out of 100 ($281 per year)
Acuity distinguishes itself through its affordable premiums, claims handling and customer satisfaction, which are critical components of the MoneyGeek score. The company’s score reflects a balanced approach to pricing and service, providing a competitive offering for a minimum coverage policy.
Acuity excels in customer satisfaction and claims handling, leading the pack with perfect scores in both categories. With an average annual premium of $533, the average driver enjoys affordable minimum coverage all year round. Policyholders can also benefit from rare discounts like a reduced rate for being a new customer or equipping their vehicles with advanced safety features.
Acuity's impressive array of discounts echoes its commitment to providing value. The company provides all four most common discounts: bundling, multiple car, safe driving and good student. Pay in full is another discount that rewards drivers who pay their policy premium in full, enhancing affordability for proactive customers. A discount for driver's education incentivizes drivers committed to improving their driving skills, potentially reducing accidents and insurance claims.
- Offers common discounts: bundling, multiple car, safe driving
- Ranks first in the city for claims handling
- Ranks first in the city for general customer satisfaction
- Offers rare discounts like new customer and advanced safety features
- Ranks seventh in the city for cost
MoneyGeek's best car insurance rankings for Arvada prioritize low-cost minimum coverage and customer satisfaction, while also considering claims efficiency, policy options and insurer stability.
Average Cost of Car Insurance in Arvada
In Arvada, Colorado, the average car insurance cost is $1,187. This figure is lower than the state average of $1,228. Colorado's average is cheaper than the national average of $1,720. This reveals that residents of Arvada and Colorado as a whole are paying significantly less for car insurance compared to the average American driver.
A myriad of factors influence car insurance rates. Although location is just one of them, it can heavily impact premiums. Insurers consider local factors such as accident rates, traffic density, theft rates and even weather conditions when setting premiums. Fort Collins has the most affordable city premium at $857 per year, while Denver has the most expensive annual cost at $1,142. There is a difference of $285 within the state. It is worth noting that areas outside city centers with less traffic congestion may have even lower rates.
Arvada | $1,187 |
Aurora | $1,351 |
Boulder | $1,090 |
Centennial | $1,235 |
Colorado Springs | $1,247 |
Denver | $1,400 |
Fort Collins | $1,052 |
Greeley | $1,087 |
Highlands Ranch | $1,206 |
Lakewood | $1,274 |
Pueblo | $1,304 |
Thornton | $1,247 |
Westminster | $1,206 |
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.