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Average Cost of Car Insurance in Aurora

Aurora$1,512
Colorado$1,450
U.S.$1,424

In Aurora, the average car insurance is $1,512 per year, which is slightly lower than both the state average and the national average cost of car insurance per year. Car insurance policyholders in Aurora pay 4.3% more than the average annual cost of car insurance in the state of Colorado, and 6.2% more than the national average.

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The Best Cheap Car Insurance Companies in Aurora

The most affordable car insurance company in Aurora is USAA, but since USAA’s services are limited to members of the military, the general public should consider GEICO, Aurora's next affordable choice for car insurance.

A car insurance policy with GEICO is roughly half as expensive as a similar car insurance policy with Progressive, which is the most expensive car insurance company in Aurora.

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Personalized Quotes to Get You the Cheapest Car Insurance in Aurora

Aside from your location, car insurance companies in Aurora also consider other factors when determining your car insurance rates. Such factors include, but are not limited to, your age, driving record, the make and model of your vehicle and your credit score.

In Aurora, auto coverage with GEICO for an 18-year-old male driver is approximately four times more expensive than a similar coverage for a 40-year-old male driver. Because a person's life circumstances regularly change (like their age), they should regularly get personalized rates from auto insurance companies to ensure they're getting the best rates available to them.

Compare Car Insurance Rates in Aurora

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

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Cheapest Car Insurance in Aurora by Coverage Amount

How much car insurance coverage you purchase in Aurora also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

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.

Generally speaking, car insurance plans have limits when it comes to how much they will cover for each coverage level. Allstate offers both 50/100/50 liability-only and 50/100/50 full-coverage plans, which pay for up to $50,000 worth of medical bills in case of bodily injury, totaling $100,000 worth of injuries per incident, along with $50,000 worth of property damage repair. With Allstate, a 50/100/50 full-coverage plan costs $258 more than a 50/100/50 liability-only plan, but it also includes paying for your own expenses in case you are at fault in an accident, so it may be worth considering if that option is important to you.

Car insurance companies in Aurora do not have the same premium, so it’s suggested that you frequently request for personalized quotes from different companies in the city. With GEICO, for example, a 50/100/50 full-coverage plan costs $236 more than a 50/100/50 liability-only plan, so comparing car insurance quotes from different companies and then from plan to plan within a company may be worth the effort.

Average Car Insurance Premiums by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Aurora if You Have Tickets

Drivers with a moving violation on their record can expect to pay more in car insurance premiums than those who have a clean record. In Aurora, a Travelers car insurance policy for drivers with a speeding ticket will cost $327 more than similar coverage for drivers with a clean record. Additionally, drivers with a clean record will pay $366 less for Travelers coverage than drivers with an at-fault accident on their record.

Drivers with a DUI on their record will pay $827 more for Travelers coverage than drivers with a clean record.

Average Cost of Car Insurance by Postal Code

Your specific residential neighborhood in Colorado affects your car insurance rates. A region's rate of traffic accidents, car theft and traffic levels can cause insurance companies to deem the area particularly risky and thus more expensive to insure. In Aurora, policyholders living in the city’s most expensive ZIP code for auto coverage, 80011, will pay $71 more in annual car insurance premiums than drivers who live in the most affordable area, ZIP code 80015.

  • Zip Code
    State Minimumper year
  • 80015
    $1,471
  • 80013
    $1,526
  • 80011
    $1,541
iconribbontop ratedCar Insurance agentsAurora2021

Top Agents Offering Affordable Car Insurance in Aurora

1. Jody Roberts - State Farm Insurance Agent15260 E Hampden Ave, Aurora, CO, 80014
30 ratings
2. Meghan Bowen - State Farm Insurance Agent3131 S Vaughn Way, Ste 206, Aurora, CO, 80014
5 ratings
3. Farmers Insurance - Patricia Rusho13780 E Rice Pl, Ste 112, Aurora, CO, 80015
3 ratings
4. Clayton Thomson - State Farm Insurance Agent2281 S Peoria St, Aurora, CO, 80014
3 ratings
5. Esther Lee: Allstate Insurance2623 S Parker Rd, Aurora, CO, 80014
3 ratings

Factors That Impact Insurance Costs in Aurora

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 Aurora. How Aurora 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 Fatalities108th/300
handcuffs2 icon
Most Car Thefts278th/300
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Most Uninsured Motorists by State19th/50
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Personal Injury Protection RequiredNo
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Most Annual Rainfall233rd/300
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Most Rainy Days176th/300

Shopping around for car insurance in Aurora could save you $621, which is enough to buy:


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207Cups of Coffee
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48Months of Your Favorite Streaming Service

Methodology and Assumptions

MoneyGeek’s average premium rates for Aurora 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.

Compare Car Insurance Rates in Aurora

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

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.