Cheapest and Best Car Insurance in Aurora, CO (2024)


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ByMark Fitzpatrick
Edited byMorgan Hull
ByMark Fitzpatrick
Edited byMorgan Hull

Updated: May 20, 2024

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The cheapest car insurance company for you will vary based on your needs and background. Although American National P&C is the best car insurance company in Aurora for many categories, teens on a family policy should opt for GEICO and Kemper and those looking for excellent customer service can choose Acuity.

MoneyGeek Logo IconCheapest + BestCar InsuranceAugusta
2024

Cheapest and Best Car Insurance in Augusta

Why Trust MoneyGeek? We included Colorado car insurance rates in this guide after analyzing data and information from Quadrant Information Services and the Colorado department of insurance. MoneyGeek used our proprietary rating system to rank these insurers.

106,836Quotes Analyzed
 
14Companies Compared

Cheapest Minimum Liability Car Insurance in Aurora

The following insurers offer the cheapest minimum coverage policies in Aurora:

  • American National P&C: $253 per year
  • GEICO: $366 per year

Farmers is the most expensive insurer for minimum coverage, charging $691 per year. American National P&C also offers the cheapest car insurance in Colorado as of October 2022, charging an average of $216 per year, slightly less than the rate in Aurora.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
American National P&CAnnual Premium$253Monthly Premium$21
Colorado Farm BureauAnnual Premium$361Monthly Premium$30
GEICOAnnual Premium$366Monthly Premium$31
Auto-Owners Insurance CoAnnual Premium$435Monthly Premium$36
State FarmAnnual Premium$481Monthly Premium$40
American FamilyAnnual Premium$485Monthly Premium$40
KemperAnnual Premium$532Monthly Premium$44
ProgressiveAnnual Premium$556Monthly Premium$46

You will only get bodily injury liability and property damage liability coverages with a minimum coverage policy in Colorado. This policy will have the following limits:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Liability coverage pays for damages to the other driver and their passengers. For example, using the above liability limits, an insurer would cover $25,000 in medical expenses per injured person up to $50,000 total per accident. You will have to pay the remaining amount yourself.

Cheapest Full Coverage Car Insurance in Aurora

The following companies offer the cheapest full coverage car insurance policies in Aurora:

  • American National P&C: $579 per year
  • GEICO: $774 per year

Acuity is the most expensive company, charging an average of $1,372 per year. As of October 2022, the cheapest full coverage car insurance in Colorado is American National P&C, at $541 per year.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American National P&CAnnual Premium$579Monthly Premium$48
GEICOAnnual Premium$774Monthly Premium$65
Colorado Farm BureauAnnual Premium$965Monthly Premium$80
State FarmAnnual Premium$1,014Monthly Premium$85
American FamilyAnnual Premium$1,057Monthly Premium$88
Auto-Owners Insurance CoAnnual Premium$1,105Monthly Premium$92
ProgressiveAnnual Premium$1,111Monthly Premium$93
AllstateAnnual Premium$1,148Monthly Premium$96

A full coverage policy includes comprehensive and collision insurance:

  • Comprehensive Insurance: This pays for the repairs or replacement of your vehicle in case of damage due to various incidents, including natural weather events, theft or vandalism.
  • Collision Insurance: This helps cover the cost to repair or replace your vehicle if you damage it in an at-fault accident.

A full coverage policy typically benefits drivers with new vehicles that want to safeguard their investment. It may not be worth the added cost for drivers with older vehicles.

Cheapest Car Insurance in Aurora After a Driving Offense

The following insurers offer the cheapest rates to drivers with violations in Aurora:

  • Speeding ticket: American National P&C ($681 per year)
  • At-fault accident: American National P&C ($791 per year)
  • DUI: American National P&C ($884 per year)

Acuity is the most expensive insurance company, charging $3,075 per year for those with speeding tickets, at-fault accidents and DUI offenses. A driving violation will increase your car insurance rate. Even “cheap” rates for drivers with offenses will still be higher than average-priced rates for drivers with a clean driving history.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
American National P&CAnnual Premium$681Monthly Premium$57
GEICOAnnual Premium$973Monthly Premium$81
State FarmAnnual Premium$1,110Monthly Premium$93
Colorado Farm BureauAnnual Premium$1,163Monthly Premium$97
American FamilyAnnual Premium$1,226Monthly Premium$102
Auto-Owners Insurance CoAnnual Premium$1,230Monthly Premium$103
AllstateAnnual Premium$1,264Monthly Premium$105
ProgressiveAnnual Premium$1,465Monthly Premium$122

Your insurance rate will increase in proportion to the severity of your driving offense. For instance, the cheapest rate for a driver with a DUI is $203 more expensive than the cheapest rate for a driver with a speeding ticket. You can still find the cheapest car insurance for poor driving records by shopping around and comparing rates.

Cheapest Car Insurance in Aurora for Teens and Their Families

The following insurers offer the cheapest insurance for a 16-year-old teen on a family policy in Aurora:

  • Kemper: $2,140 per year for female teens and $1,488 per year for male teens
  • GEICO: $2,142 per year for female teens and $2,260 per year for male teens

Farmers is the most expensive company, charging an average of $4,352 per year for female teens and $4,622 per year for male teens on a parent’s policy.

Typically, insurers charge male teens more, as they’re considered riskier to insure. But in Aurora, Kemper's coverage for male teens is $652 less than its coverage for female teens.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
KemperFamily Plan Annual Premium$2,140Individual Plan Monthly Premium$14,334
GEICOFamily Plan Annual Premium$2,142Individual Plan Monthly Premium$15,553
AllstateFamily Plan Annual Premium$2,515Individual Plan Monthly Premium$11,859
State FarmFamily Plan Annual Premium$2,589Individual Plan Monthly Premium$5,901
NationwideFamily Plan Annual Premium$2,840Individual Plan Monthly Premium$8,827
Auto-Owners Insurance CoFamily Plan Annual Premium$3,295Individual Plan Monthly Premium$9,210
ProgressiveFamily Plan Annual Premium$4,054Individual Plan Monthly Premium$12,391
FarmersFamily Plan Annual Premium$4,352Individual Plan Monthly Premium$19,307

Families with teen drivers can save money by adding their teen to their existing policy instead of purchasing an individual policy. For instance, a 16-year-old male teen could save an average of $3,923 per year by joining a family policy compared to purchasing an individual one. While car insurance for teens can be pricey, families can save money by comparing rates from the cheapest car insurers for teen drivers.

Cheapest Car Insurance in Aurora for Military Drivers

The following insurers offer the cheapest car insurance in Aurora for military drivers:

  • American National P&C: $579 per year
  • USAA: $764 per year

American National P&C and USAA are also the most affordable companies for minimum coverage, charging an average of $253 annually and $297 per year, respectively. The cheapest insurers for military drivers will have affordable rates and provide military-specific discounts.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
American National P&CAnnual Premium$579Monthly Premium$48
USAAAnnual Premium$764Monthly Premium$64
GEICOAnnual Premium$774Monthly Premium$65
Colorado Farm BureauAnnual Premium$965Monthly Premium$80
State FarmAnnual Premium$1,014Monthly Premium$85
American FamilyAnnual Premium$1,057Monthly Premium$88
Auto-Owners Insurance CoAnnual Premium$1,105Monthly Premium$92
ProgressiveAnnual Premium$1,111Monthly Premium$93

How to Compare Cheap Aurora Car Insurance Quotes Online

To get an online quote in Aurora, CO, you will need to input a lot of personal information. Often, it can take up to 15 minutes to obtain a single quote. MoneyGeek streamlines the process for you by estimating your car insurance using only your age, vehicle type, coverage level and driving record.

Car Insurance Calculator

MoneyGeeks'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.

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Jun 14, 2024

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Best Car Insurance in Aurora: Summary

How much you value cost, service quality and other factors will determine the best car insurer for you. In Aurora, the following insurers are the best for each respective category:

  • Best overall: American National P&C (MoneyGeek score of 83 out of 100)
  • Best for service: Acuity (MoneyGeek score of 78 out of 100)
  • Best cheap: American National P&C (MoneyGeek score of 83 out of 100)

A company’s overall MoneyGeek score might differ based on the factors weighted in each category. American National P&C is also the best car insurance company in Colorado. Those with a military background may get the best rates from USAA, with a MoneyGeek score of 82 out of 100.

Best Overall Car Insurance in Aurora

MoneyGeek’s analysis shows the following companies are the best option for car insurance in Aurora:

  • American National P&C: MoneyGeek score of 83 out of 100 ($579 per year)
  • GEICO: MoneyGeek score of 68 out of 100 ($774 per year)

American National P&C scored the highest for affordability and ranked well for customer satisfaction, meaning, you won’t have to compromise on customer service for cost. For military drivers, USAA car insurance is an ideal option, receiving a total MoneyGeek score of 82 out of 100.

American National Insurance Company

pros

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Has the cheapest rates

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Has high ratings for customer satisfaction

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Provides spare parts coverage, gap insurance and roadside assistance

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Has an average score for claims management

COMPANY HIGHLIGHTS

In addition to providing cheap rates and quality customer service, American National P&C offers several common and rare coverage options.

With this insurer, you can add spare parts coverage to your insurance policy. This coverage will help cover the cost to replace your damaged spare parts with new ones. Gap insurance helps you cover the cost difference between your car’s remaining loan amount and its actual worth if it’s totaled in an accident. If your car breaks down on the road, American National P&C’s roadside assistance coverage will offer 24/7 roadside assistance to help you get back on the road.

Affordability is important when it comes to choosing an insurer. You will want to ensure that your car insurance cost fits within your budget. This low cost usually comes with a tradeoff; cheap insurers generally provide inferior customer service. American National P&C is different — you don’t have to compromise quality service for cost.

Best Car Insurance in Aurora for Customer Service

In Aurora, the following insurance companies offer the best customer service, irrespective of cost:

  • Acuity: MoneyGeek score of 78 out of 100 ($1,372 per year)
  • American National P&C: MoneyGeek score of 67 out of 100 ($579 per year)

Acuity ranked well for customer satisfaction and has the highest claims management score. While the insurer’s customer service is unmatched, it has the most expensive rates of the insurers in our comparison group.

Acuity

pros

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Has a high score for claims management

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Has the second-best customer satisfaction score of the providers we evaluated

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Offers full glass coverage, gap insurance and new car replacement

cons

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Doesn’t provide accident forgiveness coverage

COMPANY HIGHLIGHTS

With Acuity, policyholders can rest easy knowing that their claims will be swiftly processed. The insurer also offers rare coverages like full glass, gap insurance and new car replacement.

Full glass coverage helps you avoid the comprehensive deductible if your car’s windows need to be repaired or replaced. With gap insurance, you won’t have to worry about paying off your car loan if it gets totaled, as it will cover the gap between your car’s actual value and its remaining loan amount. The new car replacement coverage ensures you get a brand new vehicle of the same make and model if your car is totaled due to an at-fault accident.

While customer service may not be a top priority for some, it comes in handy during stressful situations, like when your car breaks down or you get in an accident. During instances like these, it can be comforting to know that help is just a phone call away.

Best Cheap Car Insurance Companies in Aurora

The following insurance providers offer the best minimum coverage policies based on MoneyGeek’s analysis of cost and service quality:

  • American National P&C: MoneyGeek score of 83 out of 100 ($253 per year)
  • Auto-Owners Insurance Co: MoneyGeek score of 68 out of 100 ($435 per year)

Minimum coverage policies typically have the cheapest rates but also the lowest liability limits. These policies don’t provide protection for damages to your own vehicle or person if you get in an accident.

American National Insurance Company

pros

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An affordable minimum coverage policy costs $253 per year

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Provides early signing, bundling and multiple car discount

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Has the highest ratings for affordability and the third-highest ratings for customer satisfaction

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Has a low claims management rating

COMPANY HIGHLIGHTS

American National P&C ranked the highest for affordability, which means the company offers the cheapest policies compared to other insurers in Aurora. It also has the third-highest customer satisfaction score, which is based on data from J.D. Power reports and customer complaint levels.

The insurance provider offers various discounts, allowing policyholders to further lower their already affordable premiums. For instance, you can get a discount if you apply for a policy with the company before your current one expires. You can also save money if you bundle your home, auto and life insurance policies. There’s also a discount if you insure more than one vehicle with American National P&C.

Average Cost of Car Insurance in Aurora

MoneyGeek found that the average cost of car insurance in Aurora is $1,103 per year, which is $162 less than the national average cost of car insurance, $1,265, and $101 more than the average car insurance cost in Colorado — 1,002 per year as of October 2022. Location is one of the most important determinants of car insurance costs.

These average rates are for a full coverage policy with $100,000 bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.