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.
Compare the Cheapest Car Insurance Quotes in Aurora, CO
The Cheapest and Best Car Insurance in Aurora
The Cheapest Car Insurance Companies in Aurora
The insurers with the cheapest average rates for full coverage policies in Aurora are:
- USAA: $698 per year (only available to current and former military)
- GEICO: $891 per year
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.
MoneyGeek collected average insurance rates in Aurora for a 40-year-old male driver with a full coverage policy. This includes both liability and comprehensive and collision coverage.
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Average Cost of Car Insurance in Aurora
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.
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 in Aurora. Based on MoneyGeek’s research, the best car insurance companies in Aurora for most drivers are:
- State Farm: MoneyGeek score 90 out of 100
- GEICO: MoneyGeek score 90 out of 100
USAA received the highest score in [STATE] by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as 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.
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.
Shopping around for car insurance in Aurora could save you $621, which is enough to buy:
Cheapest Car Insurance in Aurora by Coverage Amount
In Aurora and elsewhere, the amount of coverage you buy is one of the biggest factors affecting your car insurance prices. A state minimum liability policy costs an average of $858, while a full coverage policy with higher liability limits costs $1,512 on average. That is a difference of $654.
Colorado Minimum Liability Requirements
- 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: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Aurora if You Have Driving Violations
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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
Top Agents Offering Affordable Car Insurance in Aurora
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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