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.
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.
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.
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.
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.
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.
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.
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.
Has the cheapest rates
Has high ratings for customer satisfaction
Provides spare parts coverage, gap insurance and roadside assistance
Has an average score for claims management
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.
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
Doesn’t provide accident forgiveness coverage
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.
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
Has a low claims management rating
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.
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