Compare Rates and Save on Auto Insurance

widget-location-pin

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
2023

Cheapest and Best Car Insurance in Augusta

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.

Company
Annual Premium
Monthly Premium

American National P&C

$253

$21

American National P&C

$290

$24

American National P&C

$304

$25

Colorado Farm Bureau

$361

$30

GEICO

$366

$31

GEICO

$407

$34

GEICO

$411

$34

Auto-Owners Insurance Co

$431

$36

Auto-Owners Insurance Co

$435

$36

American Family

$450

$37

State Farm

$452

$38

State Farm

$481

$40

American Family

$485

$40

Colorado Farm Bureau

$518

$43

Kemper

$532

$44

Progressive

$556

$46

Farmers Union Insurance

$577

$48

American National P&C

$579

$48

Acuity

$581

$48

Progressive

$581

$48

American National P&C

$586

$49

Nationwide

$591

$49

Kemper

$593

$49

Nationwide

$606

$50

American Family

$610

$51

State Farm

$618

$51

Auto-Owners Insurance Co

$619

$52

Kemper

$620

$52

Farmers Union Insurance

$632

$53

Acuity

$650

$54

Farmers Union Insurance

$655

$55

Progressive

$656

$55

Allstate

$662

$55

Colorado Farm Bureau

$668

$56

Allstate

$690

$57

Farmers

$691

$58

Farmers

$718

$60

American National P&C

$721

$60

GEICO

$774

$65

Allstate

$783

$65

GEICO

$802

$67

Farmers

$845

$70

Acuity

$847

$71

Nationwide

$852

$71

GEICO

$883

$74

State Farm

$926

$77

American Family

$932

$78

Colorado Farm Bureau

$965

$80

State Farm

$1,014

$85

Auto-Owners Insurance Co

$1,023

$85

Allstate

$1,049

$87

American Family

$1,057

$88

Progressive

$1,091

$91

Auto-Owners Insurance Co

$1,105

$92

Progressive

$1,111

$93

Allstate

$1,148

$96

Nationwide

$1,167

$97

Colorado Farm Bureau

$1,179

$98

Farmers Union Insurance

$1,249

$104

Kemper

$1,298

$108

Nationwide

$1,302

$108

Farmers

$1,324

$110

American Family

$1,327

$111

State Farm

$1,330

$111

Farmers Union Insurance

$1,353

$113

Progressive

$1,362

$113

Farmers

$1,371

$114

Acuity

$1,372

$114

Allstate

$1,379

$115

Acuity

$1,383

$115

Kemper

$1,387

$116

Colorado Farm Bureau

$1,480

$123

Auto-Owners Insurance Co

$1,533

$128

Farmers Union Insurance

$1,549

$129

Kemper

$1,637

$136

Farmers

$1,653

$138

Nationwide

$1,684

$140

Acuity

$1,923

$160

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.

Company
Annual Premium
Monthly Premium

American National P&C

$253

$21

American National P&C

$290

$24

American National P&C

$304

$25

Colorado Farm Bureau

$361

$30

GEICO

$366

$31

GEICO

$407

$34

GEICO

$411

$34

Auto-Owners Insurance Co

$431

$36

Auto-Owners Insurance Co

$435

$36

American Family

$450

$37

State Farm

$452

$38

State Farm

$481

$40

American Family

$485

$40

Colorado Farm Bureau

$518

$43

Kemper

$532

$44

Progressive

$556

$46

Farmers Union Insurance

$577

$48

American National P&C

$579

$48

Acuity

$581

$48

Progressive

$581

$48

American National P&C

$586

$49

Nationwide

$591

$49

Kemper

$593

$49

Nationwide

$606

$50

American Family

$610

$51

State Farm

$618

$51

Auto-Owners Insurance Co

$619

$52

Kemper

$620

$52

Farmers Union Insurance

$632

$53

Acuity

$650

$54

Farmers Union Insurance

$655

$55

Progressive

$656

$55

Allstate

$662

$55

Colorado Farm Bureau

$668

$56

Allstate

$690

$57

Farmers

$691

$58

Farmers

$718

$60

American National P&C

$721

$60

GEICO

$774

$65

Allstate

$783

$65

GEICO

$802

$67

Farmers

$845

$70

Acuity

$847

$71

Nationwide

$852

$71

GEICO

$883

$74

State Farm

$926

$77

American Family

$932

$78

Colorado Farm Bureau

$965

$80

State Farm

$1,014

$85

Auto-Owners Insurance Co

$1,023

$85

Allstate

$1,049

$87

American Family

$1,057

$88

Progressive

$1,091

$91

Auto-Owners Insurance Co

$1,105

$92

Progressive

$1,111

$93

Allstate

$1,148

$96

Nationwide

$1,167

$97

Colorado Farm Bureau

$1,179

$98

Farmers Union Insurance

$1,249

$104

Kemper

$1,298

$108

Nationwide

$1,302

$108

Farmers

$1,324

$110

American Family

$1,327

$111

State Farm

$1,330

$111

Farmers Union Insurance

$1,353

$113

Progressive

$1,362

$113

Farmers

$1,371

$114

Acuity

$1,372

$114

Allstate

$1,379

$115

Acuity

$1,383

$115

Kemper

$1,387

$116

Colorado Farm Bureau

$1,480

$123

Auto-Owners Insurance Co

$1,533

$128

Farmers Union Insurance

$1,549

$129

Kemper

$1,637

$136

Farmers

$1,653

$138

Nationwide

$1,684

$140

Acuity

$1,923

$160

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.

Company
Annual Premium
Monthly Premium

American National P&C

$306

$26

American National P&C

$351

$29

American National P&C

$364

$30

American National P&C

$366

$31

American National P&C

$412

$34

American National P&C

$417

$35

American National P&C

$437

$36

GEICO

$442

$37

Colorado Farm Bureau

$456

$38

American National P&C

$474

$39

Colorado Farm Bureau

$480

$40

GEICO

$490

$41

American National P&C

$495

$41

Auto-Owners Insurance Co

$496

$41

Auto-Owners Insurance Co

$500

$42

State Farm

$503

$42

State Farm

$503

$42

American Family

$508

$42

American Family

$508

$42

American Family

$512

$43

Colorado Farm Bureau

$533

$44

State Farm

$534

$44

State Farm

$534

$44

GEICO

$543

$45

American Family

$547

$46

American Family

$547

$46

American Family

$552

$46

State Farm

$553

$46

State Farm

$587

$49

GEICO

$613

$51

Progressive

$641

$53

Colorado Farm Bureau

$654

$55

American National P&C

$681

$57

State Farm

$686

$57

State Farm

$686

$57

GEICO

$687

$57

Colorado Farm Bureau

$691

$58

American Family

$692

$58

American Family

$692

$58

American National P&C

$697

$58

American Family

$698

$58

Kemper

$707

$59

Progressive

$711

$59

Auto-Owners Insurance Co

$712

$59

Progressive

$713

$59

Nationwide

$714

$60

Allstate

$724

$60

Nationwide

$729

$61

Progressive

$748

$62

State Farm

$755

$63

Allstate

$756

$63

Colorado Farm Bureau

$765

$64

GEICO

$767

$64

Auto-Owners Insurance Co

$767

$64

Auto-Owners Insurance Co

$773

$64

GEICO

$786

$65

Kemper

$789

$66

American National P&C

$791

$66

Progressive

$793

$66

Farmers Union Insurance

$795

$66

American National P&C

$816

$68

Kemper

$819

$68

Progressive

$822

$68

Kemper

$823

$69

Colorado Farm Bureau

$843

$70

Farmers

$850

$71

Allstate

$850

$71

American National P&C

$852

$71

Allstate

$865

$72

American National P&C

$884

$74

Farmers Union Insurance

$888

$74

Colorado Farm Bureau

$889

$74

Allstate

$892

$74

Allstate

$892

$74

GEICO

$900

$75

Kemper

$913

$76

American National P&C

$918

$77

Farmers Union Insurance

$920

$77

Progressive

$928

$77

Allstate

$936

$78

Nationwide

$943

$79

Farmers

$944

$79

Kemper

$952

$79

Farmers Union Insurance

$962

$80

Nationwide

$963

$80

Auto-Owners Insurance Co

$970

$81

GEICO

$973

$81

Nationwide

$976

$81

Farmers

$978

$81

Auto-Owners Insurance Co

$978

$82

Colorado Farm Bureau

$986

$82

American National P&C

$994

$83

Farmers

$1,002

$83

Farmers Union Insurance

$1,008

$84

State Farm

$1,017

$85

State Farm

$1,017

$85

Farmers Union Insurance

$1,017

$85

Farmers

$1,028

$86

Allstate

$1,035

$86

Progressive

$1,052

$88

Progressive

$1,055

$88

GEICO

$1,060

$88

American Family

$1,082

$90

American Family

$1,082

$90

Allstate

$1,090

$91

Farmers

$1,091

$91

Farmers Union Insurance

$1,098

$92

Farmers Union Insurance

$1,100

$92

Auto-Owners Insurance Co

$1,103

$92

GEICO

$1,106

$92

State Farm

$1,107

$92

State Farm

$1,110

$93

State Farm

$1,110

$93

American Family

$1,113

$93

American National P&C

$1,114

$93

Farmers

$1,131

$94

Farmers

$1,132

$94

Auto-Owners Insurance Co

$1,146

$95

Allstate

$1,156

$96

GEICO

$1,159

$97

Colorado Farm Bureau

$1,163

$97

Farmers

$1,185

$99

Nationwide

$1,187

$99

Colorado Farm Bureau

$1,199

$100

State Farm

$1,206

$101

Nationwide

$1,206

$101

American Family

$1,226

$102

American Family

$1,226

$102

Auto-Owners Insurance Co

$1,230

$103

Colorado Farm Bureau

$1,237

$103

American Family

$1,262

$105

Allstate

$1,264

$105

Nationwide

$1,271

$106

Farmers Union Insurance

$1,298

$108

Progressive

$1,310

$109

Kemper

$1,328

$111

Progressive

$1,367

$114

GEICO

$1,373

$114

Allstate

$1,375

$115

Auto-Owners Insurance Co

$1,394

$116

Nationwide

$1,419

$118

Acuity

$1,438

$120

Acuity

$1,438

$120

Acuity

$1,438

$120

Colorado Farm Bureau

$1,452

$121

Allstate

$1,453

$121

State Farm

$1,459

$122

State Farm

$1,459

$122

Progressive

$1,465

$122

Colorado Farm Bureau

$1,470

$123

Kemper

$1,481

$123

Allstate

$1,501

$125

Nationwide

$1,514

$126

Allstate

$1,530

$127

Progressive

$1,532

$128

Kemper

$1,546

$129

American Family

$1,546

$129

American Family

$1,546

$129

GEICO

$1,549

$129

Colorado Farm Bureau

$1,551

$129

Nationwide

$1,554

$129

Progressive

$1,576

$131

State Farm

$1,589

$132

Allstate

$1,589

$132

American Family

$1,593

$133

Acuity

$1,599

$133

Acuity

$1,599

$133

Acuity

$1,599

$133

Kemper

$1,647

$137

Auto-Owners Insurance Co

$1,660

$138

GEICO

$1,679

$140

Auto-Owners Insurance Co

$1,715

$143

GEICO

$1,715

$143

Farmers Union Insurance

$1,715

$143

Progressive

$1,739

$145

Farmers

$1,739

$145

Auto-Owners Insurance Co

$1,755

$146

Kemper

$1,768

$147

Farmers

$1,775

$148

Kemper

$1,831

$153

Colorado Farm Bureau

$1,836

$153

Allstate

$1,840

$153

Colorado Farm Bureau

$1,856

$155

Nationwide

$1,870

$156

Progressive

$1,871

$156

Farmers Union Insurance

$1,918

$160

Farmers

$1,927

$161

Nationwide

$1,936

$161

Allstate

$1,949

$162

GEICO

$1,965

$164

Colorado Farm Bureau

$1,968

$164

Kemper

$1,972

$164

Farmers Union Insurance

$1,998

$167

Farmers

$1,999

$167

Farmers

$2,000

$167

Progressive

$2,015

$168

Farmers

$2,021

$168

Nationwide

$2,039

$170

Auto-Owners Insurance Co

$2,043

$170

Farmers

$2,058

$171

Farmers Union Insurance

$2,065

$172

Kemper

$2,069

$172

Farmers Union Insurance

$2,107

$176

Acuity

$2,116

$176

Acuity

$2,116

$176

Acuity

$2,116

$176

Auto-Owners Insurance Co

$2,147

$179

GEICO

$2,172

$181

Progressive

$2,184

$182

Farmers

$2,210

$184

Farmers Union Insurance

$2,226

$186

Farmers Union Insurance

$2,275

$190

Farmers

$2,285

$190

Kemper

$2,295

$191

Nationwide

$2,370

$197

Farmers Union Insurance

$2,448

$204

Auto-Owners Insurance Co

$2,476

$206

Nationwide

$2,517

$210

Nationwide

$2,538

$212

Farmers Union Insurance

$2,563

$214

Nationwide

$3,016

$251

Kemper

$3,017

$251

Auto-Owners Insurance Co

$3,044

$254

Acuity

$3,075

$256

Acuity

$3,075

$256

Acuity

$3,075

$256

Acuity

$3,138

$262

Acuity

$3,138

$262

Acuity

$3,138

$262

Kemper

$3,247

$271

Kemper

$3,793

$316

Acuity

$4,374

$365

Acuity

$4,374

$365

Acuity

$4,374

$365

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$1,035

$2,313

Kemper

$1,104

$3,656

State Farm

$1,133

$2,533

Kemper

$1,165

$10,327

State Farm

$1,182

$2,994

State Farm

$1,221

$2,728

GEICO

$1,228

$2,576

Kemper

$1,269

$6,598

GEICO

$1,307

$1,856

Kemper

$1,310

$3,388

GEICO

$1,329

$1,947

GEICO

$1,336

$2,783

GEICO

$1,388

$1,970

Kemper

$1,421

$12,594

GEICO

$1,426

$2,089

GEICO

$1,452

$2,062

GEICO

$1,457

$2,326

GEICO

$1,481

$2,526

GEICO

$1,484

$2,173

Kemper

$1,488

$16,640

Kemper

$1,488

$8,831

Kemper

$1,488

$5,865

Kemper

$1,496

$4,954

Kemper

$1,496

$7,782

GEICO

$1,505

$7,734

Kemper

$1,581

$5,237

Kemper

$1,590

$5,414

GEICO

$1,602

$7,856

Kemper

$1,616

$8,363

GEICO

$1,652

$8,097

Kemper

$1,654

$4,891

State Farm

$1,687

$2,633

GEICO

$1,687

$4,240

Kemper

$1,701

$4,398

Allstate

$1,713

$3,226

Allstate

$1,713

$3,226

Kemper

$1,713

$4,429

GEICO

$1,743

$4,284

State Farm

$1,772

$3,216

Allstate

$1,796

$6,453

Allstate

$1,796

$6,453

Allstate

$1,798

$2,671

Allstate

$1,798

$2,671

GEICO

$1,811

$3,797

Kemper

$1,824

$6,958

GEICO

$1,836

$3,824

Kemper

$1,838

$6,257

State Farm

$1,839

$2,870

Allstate

$1,855

$2,757

Allstate

$1,855

$2,757

Nationwide

$1,866

$3,245

Nationwide

$1,876

$3,127

Allstate

$1,892

$2,963

Allstate

$1,892

$2,963

Nationwide

$1,915

$4,084

Allstate

$1,920

$2,853

Allstate

$1,920

$2,853

Auto-Owners Insurance Co

$1,938

$4,623

Auto-Owners Insurance Co

$1,940

$4,730

State Farm

$1,945

$3,505

Nationwide

$1,979

$4,473

Allstate

$2,003

$4,284

Allstate

$2,003

$4,284

State Farm

$2,007

$3,642

State Farm

$2,007

$4,070

State Farm

$2,008

$3,134

Allstate

$2,022

$3,809

Allstate

$2,022

$3,809

Kemper

$2,034

$10,527

Auto-Owners Insurance Co

$2,038

$4,969

Nationwide

$2,071

$3,453

Nationwide

$2,106

$3,837

Auto-Owners Insurance Co

$2,110

$5,034

Auto-Owners Insurance Co

$2,111

$5,626

Kemper

$2,140

$14,334

GEICO

$2,142

$15,553

State Farm

$2,153

$3,843

Nationwide

$2,154

$3,747

Auto-Owners Insurance Co

$2,157

$5,258

Nationwide

$2,172

$4,181

Nationwide

$2,176

$3,628

Auto-Owners Insurance Co

$2,233

$6,140

GEICO

$2,260

$14,391

Nationwide

$2,263

$3,937

Farmers

$2,270

$3,266

State Farm

$2,277

$4,612

Auto-Owners Insurance Co

$2,311

$5,513

Auto-Owners Insurance Co

$2,318

$6,775

Auto-Owners Insurance Co

$2,324

$5,962

Farmers

$2,391

$3,582

Allstate

$2,448

$8,796

Allstate

$2,448

$8,796

GEICO

$2,472

$12,703

State Farm

$2,493

$5,051

State Farm

$2,497

$4,456

Allstate

$2,515

$11,859

Allstate

$2,515

$11,859

Auto-Owners Insurance Co

$2,522

$6,470

Auto-Owners Insurance Co

$2,539

$7,107

Nationwide

$2,572

$6,463

State Farm

$2,577

$5,220

State Farm

$2,589

$5,901

Auto-Owners Insurance Co

$2,629

$7,687

Progressive

$2,646

$4,079

Auto-Owners Insurance Co

$2,651

$8,786

Nationwide

$2,694

$8,019

Progressive

$2,703

$3,009

Progressive

$2,733

$3,036

Nationwide

$2,736

$7,497

Nationwide

$2,770

$5,908

Progressive

$2,793

$4,362

Nationwide

$2,840

$8,827

State Farm

$2,856

$5,741

Nationwide

$2,859

$8,510

Nationwide

$2,901

$9,189

Nationwide

$2,913

$6,585

Auto-Owners Insurance Co

$3,008

$7,754

Progressive

$3,010

$3,343

Nationwide

$3,061

$10,138

Nationwide

$3,080

$9,756

Progressive

$3,110

$3,462

Progressive

$3,113

$3,884

Progressive

$3,135

$5,487

Progressive

$3,192

$4,003

Progressive

$3,199

$4,931

Auto-Owners Insurance Co

$3,210

$10,017

Progressive

$3,212

$3,568

State Farm

$3,244

$6,522

State Farm

$3,258

$7,387

Farmers

$3,285

$2,911

Auto-Owners Insurance Co

$3,295

$9,210

Auto-Owners Insurance Co

$3,303

$8,513

Farmers

$3,332

$2,953

Farmers

$3,353

$2,971

Progressive

$3,360

$3,740

Farmers

$3,373

$3,121

Farmers

$3,379

$3,095

Progressive

$3,421

$6,142

Farmers

$3,421

$3,134

Farmers

$3,479

$3,187

Farmers

$3,506

$3,428

Progressive

$3,537

$5,523

Auto-Owners Insurance Co

$3,597

$11,227

Auto-Owners Insurance Co

$3,600

$12,456

Farmers

$3,642

$6,447

Farmers

$3,694

$13,454

Progressive

$3,752

$11,871

Farmers

$3,772

$6,908

Farmers

$3,890

$14,578

Progressive

$4,054

$12,391

Farmers

$4,059

$14,784

Progressive

$4,085

$13,137

Farmers

$4,176

$6,009

Farmers

$4,310

$16,153

Farmers

$4,315

$6,465

Farmers

$4,352

$19,307

Progressive

$4,375

$13,504

Progressive

$4,493

$14,215

Farmers

$4,622

$21,240

Progressive

$4,841

$15,568

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.

Company
Annual Premium
Monthly Premium

American National P&C

$253

$21

American National P&C

$290

$24

USAA

$297

$25

American National P&C

$304

$25

USAA

$333

$28

Colorado Farm Bureau

$361

$30

GEICO

$366

$31

USAA

$387

$32

GEICO

$407

$34

GEICO

$411

$34

Auto-Owners Insurance Co

$431

$36

Auto-Owners Insurance Co

$435

$36

American Family

$450

$37

State Farm

$452

$38

State Farm

$481

$40

American Family

$485

$40

Colorado Farm Bureau

$518

$43

Kemper

$532

$44

Progressive

$556

$46

Farmers Union Insurance

$577

$48

American National P&C

$579

$48

Acuity

$581

$48

Progressive

$581

$48

American National P&C

$586

$49

Nationwide

$591

$49

Kemper

$593

$49

Nationwide

$606

$50

American Family

$610

$51

State Farm

$618

$51

Auto-Owners Insurance Co

$619

$52

Kemper

$620

$52

Farmers Union Insurance

$632

$53

Acuity

$650

$54

Farmers Union Insurance

$655

$55

Progressive

$656

$55

Allstate

$662

$55

Colorado Farm Bureau

$668

$56

Allstate

$690

$57

Farmers

$691

$58

Farmers

$718

$60

American National P&C

$721

$60

USAA

$764

$64

GEICO

$774

$65

USAA

$780

$65

Allstate

$783

$65

GEICO

$802

$67

Farmers

$845

$70

Acuity

$847

$71

Nationwide

$852

$71

GEICO

$883

$74

State Farm

$926

$77

American Family

$932

$78

Colorado Farm Bureau

$965

$80

USAA

$977

$81

State Farm

$1,014

$85

Auto-Owners Insurance Co

$1,023

$85

Allstate

$1,049

$87

American Family

$1,057

$88

Progressive

$1,091

$91

Auto-Owners Insurance Co

$1,105

$92

Progressive

$1,111

$93

Allstate

$1,148

$96

Nationwide

$1,167

$97

Colorado Farm Bureau

$1,179

$98

Farmers Union Insurance

$1,249

$104

Kemper

$1,298

$108

Nationwide

$1,302

$108

Farmers

$1,324

$110

American Family

$1,327

$111

State Farm

$1,330

$111

Farmers Union Insurance

$1,353

$113

Progressive

$1,362

$113

Farmers

$1,371

$114

Acuity

$1,372

$114

Allstate

$1,379

$115

Acuity

$1,383

$115

Kemper

$1,387

$116

Colorado Farm Bureau

$1,480

$123

Auto-Owners Insurance Co

$1,533

$128

Farmers Union Insurance

$1,549

$129

Kemper

$1,637

$136

Farmers

$1,653

$138

Nationwide

$1,684

$140

Acuity

$1,923

$160

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.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

Colorado
Female
30-65
Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

USAA

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

Has the cheapest rates

Has high ratings for customer satisfaction

Provides spare parts coverage, gap insurance and roadside assistance

cons

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

Has a high score for claims management

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

Offers full glass coverage, gap insurance and new car replacement

cons

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

An affordable minimum coverage policy costs $253 per year

Provides early signing, bundling and multiple car discount

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

cons

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 is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.