Cheapest and Best Car Insurance in Aurora, CO (2023)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.