Updated: December 16, 2025
Advertising & Editorial Disclosure
American National: Cheapest across many driver profiles. At $37 monthly for minimum coverage and $98 monthly for full coverage, GEICO saves most drivers 38% annually compared to Aurora's average.
GEICO: Runner-up for affordability with $43 minimum and $125 full coverage monthly rates. It's affordable for senior drivers or drivers with a speeding ticket.
Farm Bureau: Cheapest for young drivers and drivers with an accident in Aurora.
Cheapest Monthly Rates by Coverage and Driver Profile in Aurora:
Aurora drivers can cut insurance costs with American National and GEICO. American National offers the cheapest minimum coverage at $37 monthly, 48% below Aurora's city average. GEICO's minimum coverage costs $43 per month, providing 35% savings.
For full coverage, American National charges $98 monthly, while GEICO costs $125 per month. Both insurers price well below Aurora's average rates. Your actual premium depends on your ZIP code and driving record, so compare quotes from multiple companies for the best deal.
| American National | $37 | $98 | -48% |
| Geico | $44 | $126 | -35% |
| Farm Bureau | $52 | $156 | -20% |
| California Causality | $59 | $174 | -11% |
| State Farm | $64 | $188 | -3% |
Not in Aurora? Read more about the cheapest car insurance or the best provider in Colorado.
Young drivers in Aurora pay higher insurance rates due to limited driving experience. American National offers the lowest rates at $214 monthly for teen drivers. Farm Bureau charges $254 per month, and GEICO costs $361 monthly.
Teens save hundreds each month by staying on their parents' policy instead of buying separate coverage. Defensive driving courses cut premiums by 5% to 15%, helping families manage these higher costs.
| American National | $215 | $2,579 | -58% |
| Farm Bureau | $254 | $3,048 | -51% |
| Geico | $361 | $4,333 | -30% |
| Auto Owners | $407 | $4,883 | -21% |
| State Farm | $444 | $5,330 | -14% |
Senior drivers in Aurora find the lowest rates with American National at $131 monthly for full coverage. GEICO charges $172 per month, and State Farm costs $226 monthly.
Defensive driving courses cut premiums by up to 10%, with savings lasting three years. Most insurers offer accident forgiveness programs for drivers 65 and older. American National provides additional age-related discounts for qualifying seniors.
| American National | $132 | $1,583 | -47% |
| Geico | $173 | $2,073 | -31% |
| State Farm | $226 | $2,716 | -9% |
| Farm Bureau | $235 | $2,819 | -6% |
| Progressive | $258 | $3,102 | 4% |
American National offers Aurora's lowest rates after violations: $55 monthly for DUI coverage, $49 after at-fault accidents and $43 for speeding tickets. Farm Bureau charges $67 for DUI coverage and $60 after at-fault accidents. GEICO's speeding ticket rate is $58 monthly. All rates reflect minimum coverage requirements.
Compare quotes after any violation; insurers price violations differently. Speeding tickets affect your rates for three to five years. DUIs impact premiums for up to 10 years in Aurora.
| At-Fault Accident | American National | $50 | -57% |
| At-Fault Accident | Farm Bureau | $60 | -48% |
| DUI | American National | $55 | -53% |
| DUI | Farm Bureau | $67 | -43% |
| Speeding Ticket | American National | $43 | -57% |
| Speeding Ticket | Geico | $58 | -42% |
ZIP codes determine Aurora car insurance rates more than neighborhood names. Drivers in 80017 pay $203 monthly for full coverage, while drivers in 80018 pay $164, a $39 difference between Aurora's highest and lowest rates. Insurers calculate premiums based on each ZIP code's traffic density, theft rates and accident frequency.
| 80017 | $203 |
| 80015 | $195 |
| 80010 | $182 |
| 80016 | $181 |
| 80045 | $177 |
| 80012 | $177 |
| 80011 | $177 |
| 80014 | $174 |
| 80047 | $172 |
| 80019 | $171 |
| 80018 | $164 |
| 80013 | $170 |
| 80019 | $171 |
| 80047 | $172 |
| 80014 | $174 |
| 80012 | $177 |
| 80045 | $177 |
| 80011 | $177 |
| 80016 | $181 |
| 80010 | $182 |
American National ranks first in Aurora with a MoneyGeek score of 85 out of 100, driven by the city's lowest average premiums at $68 monthly.
GEICO, Auto-Owners, Farm Bureau and Progressive complete Aurora's top five insurers. GEICO balances affordable rates with strong customer service. Auto-Owners excels in customer experience for drivers who prioritize support quality over the lowest rates.
| American National | 86 | 1 | 10 | 5 |
| Geico | 85 | 2 | 6 | 5 |
| Auto Owners | 83 | 6 | 1 | 4 |
| Farm Bureau | 82 | 3 | 3 | 6 |
| Progressive | 78 | 8 | 2 | 2 |
Lowest rates for all driver types in Aurora
Cashback program rewards claim-free driving
Accepts high-risk drivers with DUI history
Poor customer service during claims
Limited policy customization
Slow claim processing and communication
American National offers Aurora's lowest rates for young drivers, seniors and drivers with violations. The insurer provides hail damage protection and theft coverage for Aurora's weather risks. American National offers 24/7 digital claims tools and customer support. Note that customer reviews cite slow claims processing despite the company's digital tools.
24/7 app-based claims filing
DriveEasy program rewards safe driving
Colorado weather damage coverage included
Slower claims processing and communication
Limited hail coverage for Aurora storms
Customer service lags behind competitors
GEICO offers competitive rates for senior and young drivers in Aurora. The insurer provides 24/7 digital claims tools and comprehensive coverage for ice and hail damage during Colorado winters. GEICO's accident forgiveness option helps Aurora drivers manage rate increases after incidents. Customer reviews note slower claims processing compared to competitors despite the company's digital tools.
Aurora drivers can cut insurance costs through several proven strategies.
Combine auto with home or renters insurance for 15% to 25% savings. Stack good driver, paperless billing and automatic payment discounts with multi-car rates (10% to 25% per vehicle) to reach 30% to 40% total reductions.
Increasing your deductible from $500 to $1,000 cuts annual premiums by 10% to 15%. Ensure you have the higher out-of-pocket amount available before raising your deductible.
Compare quotes annually; Aurora insurance rates change frequently. Your driving record improves after three years, unlocking better rates with other insurers.
Aurora car insurance costs about $179 monthly for full coverage, the highest rate in Colorado. Fruita offers the state's cheapest rates at $44 per month, making Aurora coverage four times more expensive.
Finding affordable car insurance in Aurora starts with understanding how insurers price policies across the city. Traffic congestion, theft risk and Colorado’s insurance requirements all shape your premium. Even within city limits, drivers in ZIP code 80017 often pay much more than those in 80018.
We partnered with the Colorado Division of Insurance and Quadrant Information Services to analyze hundreds of thousands of quotes from 12 insurers across every Aurora ZIP code.
Our ratings for the best car insurance in Aurora are calculated by a weighted score incorporating affordability (60%), customer experience (30%) and coverage options (10%).
Read more about our methodology, which shows which insurers maintain competitive rates across Aurora neighborhoods and driver categories while delivering reliable claims service, not just advertised rates for perfect-record drivers.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
