bestauto insuranceAurora2022Compare the Cheapest Car Insurance Quotes in Aurora, CO
Car insurance in Aurora costs an average of $1,512 annually, which is more expensive than the Colorado average. For the average driver, the cheapest widely available insurer is GEICO, at roughly $891 yearly. MoneyGeek analyzed the most affordable options by driver profile and coverage levels. MoneyGeek ranked the best companies for customers looking to balance costs and quality.
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Last Updated: 5/16/2022
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Mark Fitzpatrick
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The best auto insurance company for you depends on your profile and coverage needs. In Aurora, overall, GEICO is the cheapest company and also the most affordable with a speeding ticket and for a state minimum policy. USAA offers the cheapest policies for military families. MoneyGeek rated State Farm as the best company when considering cost and service quality.
bestauto insuranceAurora2022The Cheapest and Best Car Insurance in Aurora
The Cheapest Car Insurance Companies in Aurora
In Aurora, the cheapest companies for a full coverage auto policy are:
- GEICO: $891 per year
- Travelers: $1,130 per year
For active military and their families and veterans, USAA is the most affordable option at an average cost of $698 per year.
GEICO offers the cheapest car insurance in Aurora at an average of $1,294 less than Progressive, which has an average cost of $2,185 per year. A full coverage policy includes collision and comprehensive coverage, and the price depends on the extent of liability insurance.
Cheapest Car Insurance in Aurora
Full Coverage 100/300/100
MoneyGeek collected average rates for a 40-year-old male driver in Aurora with a full coverage policy, per our methodology.
A full coverage policy is more expensive than a minimum coverage policy; however, it’s quite valuable since it includes collision and comprehensive coverage to protect against the cost of damage to your vehicle.
- Comprehensive Coverage: It helps you repair or replace your vehicle after it’s stolen or damaged in an incident.
- Collision Coverage: It covers the cost of vehicle repair in case of an at-fault accident.
With an older car, you may pay more than its value with a full coverage policy. Choose minimum coverage or liability-only to help save money on car insurance.
Compare Car Insurance Rates in Aurora
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Aurora for Minimum Coverage
For the cheapest car insurance in Aurora, choose the state’s minimum required coverage. MoneyGeek found the most affordable companies, on average, for minimum coverage are:
- GEICO: $392 per year
- State Farm: $600 per year
For military families, USAA is the cheapest company; a minimum coverage policy costs $303 annually.
The minimum coverage policy GEICO offers is the cheapest, an average of $1,043 less than Progressive’s, with an average annual cost of $1,435.
Buying minimum coverage is the lowest-priced option in Aurora, but it offers less liability coverage and won’t fully cover the loss or damage to your vehicle in an accident.
To understand how much higher liability coverage costs, see the table below.
Cheapest Minimum Liability Car Insurance in Aurora
State Minimum
- CompanyState Minimumper year
- 1.$303
- 2.$392
- 3.$600
- 4.$689
- 5.$728
In Colorado, you must have an auto insurance policy with 25/50/15 in liability limits. A minimum coverage policy is the cheapest in the state and budget-friendly, but with this policy, you might pay more after an accident.
For instance, if in case of an accident, the other party's medical bills cost $60,000, the insurance only covers $50,000. You bear the rest of the cost yourself.
Colorado Minimum Liability Requirements
- ItemDescription
- 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 Aurora if You Have Driving Violations
Traffic violations like a DUI, speeding ticket or an at-fault accident significantly increase your car insurance rate. MoneyGeek determined the cheapest companies in Aurora for different violations:
- Cheapest after a speeding ticket: GEICO, $1,132 per year
- Cheapest after an at-fault accident: State Farm, $1,396 per year
- Cheapest after a DUI: State Farm, $1,297 per year
Drivers with a military background and violations like a speeding ticket or an at-fault accident on their record can get low rates from USAA.
If you have a negative history, you can get a lower rate by improving your driving record over time. Meanwhile, compare rates from different insurance companies and choose the best deal.
Cheapest Car Insurance in Aurora With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$852
- 2.$1,132
- 3.$1,297
- 4.$1,313
- 5.$1,392
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.
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.
The Best Car Insurance Companies in Aurora
For Aurora drivers looking for an insurance company that balances service and affordability, MoneyGeek ranked the best companies. Based on MoneyGeek’s research, the best car insurance companies in Aurora for most drivers are:
- State Farm: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
MoneyGeek’s rating system found USAA had the highest score in Aurora. For military members, veterans and their families, it is the best overall.
To arrive at these final scores out of 100, MoneyGeek took into account several factors, including J.D. Power user satisfaction, financial stability and affordability.
1
USAA
Score:100
2
State Farm
Score:90
3
GEICO
Score:90
4
Allstate
Score:82.5
5
CSAA
Score:82.5
6
Liberty Mutual
Score:82.5
7
American Family
Score:80
8
Travelers
Score:80
9
Safeco
Score:77.5
10
Farmers
Score:77.5
11
Progressive
Score:77.5
12
Nationwide
Score:75
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 CodeState Minimumper year
- 80015$1,471
- 80013$1,526
- 80011$1,541
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.
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.
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