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Aurora is Colorado’s third-largest city. Its mild climate and abundance of sunshine attract many people to the area. Unfortunately, Aurora is among the top 10 regions in the U.S. for vehicle theft, according to the National Insurance Crime Bureau. Areas with high theft rates typically see increased auto insurance premiums.
Drivers in Aurora, Colorado, pay an average of $175 per month for car insurance, according to Compare.com data. The good news is you can find lower rates depending on the company you choose. In this guide, we’ll explore Aurora’s cheapest auto coverage options.
Key Takeaways:
- State Farm is the cheapest insurer in Aurora, at $90 per month, on average.
- Aurora drivers pay an average of $105 per month for liability-only insurance and $245 for full coverage.
- Colorado requires all drivers to have at least 25/50/15 in liability limits.
In This Article:
- Average Price for Car Insurance in Aurora
- Cheapest Aurora Car Insurance Companies
- Best Aurora Car Insurance Companies of 2024
- Aurora Rate Breakdowns by Driver and Coverage Type
- Colorado Auto Insurance Requirements
- Frequently Asked Questions
How Much Is Car Insurance in Aurora?
The average cost of car insurance in Aurora is $175 per month. But average rates are only a guide since personal factors like your age, marital status, driving history, credit score, and coverage options determine your specific premium.
Keep reading to find out which car insurance companies offer the cheapest rates in Aurora.
Find the Cheapest Car Insurance in Aurora
Aurora’s Cheapest Car Insurance Companies
Although Aurora’s average premium is $175 per month, there are plenty of ways to save. For example, you can compare car insurance quotes and look for discounts.
The table below includes the top five cheapest car insurers in Aurora, according to our analysis.
| Company | Average Monthly Premium |
|---|---|
| State Farm | $90 |
| USAA | $116 |
| American Family | $124 |
| GEICO | $137 |
| Allstate | $139 |
State Farm is the cheapest auto insurer in Aurora, with an average premium of $90 per month, according to Compare.com data.
The following sections outline the most affordable insurance companies by the top rating factors and various demographics.
Top 3 Best Aurora Insurance Companies of 2024
Since car insurance needs vary from person to person, there’s no single best auto insurance company for everyone. Many factors determine which company is right for you.
We chose the insurers below out of dozens of companies based on a detailed analysis of discounts, coverage options, customer ratings, and average rates.
Best for drivers with spotty records: State Farm
- Average premium: $90 per month
- Compare.com Rating: 4.90 out of 5
Pros:
- Local agent network
- Top pick for auto insurance satisfaction
- Above-average claims satisfaction score
Cons:
- Fewer discount options than competitors
- Limited coverage options available
- Higher-than-average number of customer complaints
State Farm’s average rates are among the cheapest in Aurora, according to our analysis. This is great news for drivers with spotty records — getting affordable rates can be challenging after an accident or moving violation. State Farm also leads in the Southwest region for customer satisfaction, ranking first on J.D. Power’s 2023 Auto Insurance Study.
Best for commuters: American Family
- Average premium: $124 per month
- Compare.com Rating: 4.98 out of 5
Pros:
- Wide range of optional coverages
- Multiple available discounts
- Above-average customer and claims satisfaction scores
Cons:
- Not the cheapest option in Aurora
- Mobile app isn’t user-friendly
- Customer satisfaction may vary by local agent
Driving more often, especially long commutes, puts you at a higher risk of needing roadside assistance. American Family offers a robust emergency road services plan, averaging just $20 per year to add to your full-coverage auto insurance policy. It’s also one of the few auto insurers offering accidental death and dismemberment coverage.
American Family ranked second in the Southwest region for customer satisfaction and above-average for claims satisfaction by J.D. Power.
Best for discounts: GEICO
- Average premium: $137 per month
- Compare.com Rating: 4.65 out of 5
Pros:
- Many available discounts
- Highly rated mobile app
- Quotes available online
Cons:
- Gap insurance not available
- Lower-than-average claims satisfaction score
- Below-average auto insurance customer satisfaction
Although GEICO isn’t the cheapest car insurer in Aurora, it offers many discounts that may help you get a cheaper rate, including customer loyalty, affiliation, and education discounts. While GEICO offers tech-savvy customers a highly rated mobile app and online quotes, it struggles with below-average auto insurance shopping and claims satisfaction rankings.
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Cheapest Company for Liability Insurance: State Farm
The coverage levels you choose directly affect your insurance premiums. The cheapest option is basic coverage, which is liability insurance at the state minimum level. In Aurora, liability insurance costs an average of $105 per month, according to our research.
Though it meets Colorado’s driving eligibility requirements, it only provides coverage for damage and injuries you cause others, not to yourself or your vehicle.
Here are five of the cheapest auto insurance companies for liability-only insurance in Aurora.
| Company | Average Monthly Premium |
|---|---|
| State Farm | $61 |
| USAA | $78 |
| American Family | $84 |
| Sun Coast | $84 |
| State Auto | $85 |
State Farm offers the cheapest liability-only policy, at $61 per month, according to Compare.com data.
Full coverage might be a better fit if you have a newer car. Let’s see which companies offer Aurora drivers some of the best rates.
Cheapest Company for Full-Coverage Insurance: State Farm
Full-coverage car insurance typically includes liability coverage, comprehensive coverage, and collision coverage. It comes with a higher price tag — Aurora drivers pay an average of $245 per month — but protects you and your vehicle. It’s worth it if you have a long commute or are in a riskier age group, like teens or seniors. And lenders and leasing companies typically require it if you finance or lease your car.
This table highlights the cheapest insurers in Aurora for full coverage with average monthly costs.
| Company | Average Monthly Premium |
|---|---|
| State Farm | $119 |
| USAA | $154 |
| American Family | $164 |
| GEICO | $182 |
| Allstate | $185 |
State Farm offers the cheapest full-coverage auto insurance in Aurora, at $119 per month, according to our analysis.
Compare Aurora Auto Insurance Rates by Driving Record
Your driving record has a significant effect on your auto insurance rates. Insurers consider drivers with tickets, at-fault accidents, or DUIs on their records riskier, increasing the amount you pay for car insurance.
The following table breaks down the average cost of Aurora auto insurance by driving record and the cheapest insurer by incident.
| Driving Record | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $245 | State Farm | $119 |
| Speeding ticket | $357 | State Farm | $173 |
| At-fault accident | $330 | State Farm | $160 |
| DUI | $379 | State Farm | $184 |
Violations and accidents have different effects on your auto insurance premium. Here’s how much more you could pay and the cheapest insurer for each driving infraction.
Cheapest car insurance in Aurora after a ticket: State Farm
A speeding ticket on your driving record increases average auto insurance premiums by 27%, according to Compare.com data. The average Aurora car insurance premium is $357 per month after a ticket. But if you’re looking for the cheapest option, consider State Farm — its average rate after a ticket is $173 per month.
Cheapest car insurance in Aurora after an accident: State Farm
If you cause an accident, expect your rates to go up. An at-fault accident causes insurance premiums to increase by an average of 34%, according to our analysis.
State Farm is the cheapest insurer after an accident in Aurora, with an average of $160 per month.
Cheapest car insurance in Aurora after a DUI: State Farm
A DUI is a severe traffic offense. A conviction increases auto insurance premiums by an average of 50% nationwide, according to Compare.com data. A high-risk driving record can make it harder to get affordable car insurance.
State Farm is the cheapest car insurance for Aurora drivers, averaging $184 per month.
Compare Aurora Auto Insurance Rates by Age
The driver’s age is one of the determining rate factors when pricing out an auto insurance policy. Car insurance rates are higher when you’re younger but decrease as you age and get more driving experience. But your rate may increase slightly once you reach your 70s.
Knowing how much drivers in your city pay on average can help when comparing car insurance quotes.
The table below shows the average Aurora residents pay by age group and the cheapest insurer for each, according to our analysis.
| Age Group | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $444 | State Farm | $216 |
| 20s | $307 | State Farm | $149 |
| 30s | $233 | State Farm | $113 |
| 40s | $208 | State Farm | $101 |
| 50s | $181 | State Farm | $88 |
| 60s | $160 | State Farm | $78 |
| 70s | $168 | State Farm | $82 |
Teens and seniors are often the most expensive age groups for car insurance. The following sections outline the cheapest insurer for each age group.
Cheapest car insurance for Aurora teens: State Farm
Teens have the least driving experience but the highest rate of fatal car crashes, according to the Insurance Institute for Highway Safety (IIHS). The riskiest drivers pay the most for car insurance, making rates for teens and young drivers much higher than other age groups.
State Farm offers the cheapest car insurance policy for teens in Aurora, at $216 per month, according to our analysis.
Cheapest car insurance for Aurora seniors: State Farm
Drivers approaching retirement age typically get the best auto insurance rates. Drivers in their 60s tend to drive less, but once you reach age 70, your likelihood of a fatal crash increases, according to the IIHS. This leads to increased risk and slightly higher premiums.
State Farm has the lowest average rate for Aurora seniors in their 60s and 70s, costing just $78 and $82 per month, based on our analysis.
Colorado Auto Insurance Requirements
Colorado drivers must have a minimum amount of liability coverage to cover injuries and property damage they cause others, according to the Colorado General Assembly. The minimum-coverage requirement is:
- $25,000 of bodily injury liability coverage per person
- $50,000 of bodily injury liability coverage per accident
- $15,000 of property damage liability coverage per accident
Since Colorado is a “fault” state, you’re financially responsible for accidents you cause. Though these liability limits meet Colorado driving requirements, they might not be enough. Most insurance experts recommend buying enough liability coverage to protect your net worth or assets minus your debts.
Insurance companies must also offer $5,000 in medical payments coverage, but you can decline coverage in writing. MedPay coverage will pay for your medical bills if you sustain injuries in an accident, no matter who’s at fault.
How to Get Cheaper Car Insurance in Aurora
While you can’t control every factor when it comes to your auto insurance premiums, saving on your auto insurance premiums in Aurora is possible when you follow these tips:
- Raise your deductibles. If you have comprehensive and collision coverages, raising your deductibles can lower your insurance premium. But keep in mind that you’ll take on more of the financial expenses when you file a claim.
- Practice safe driving. Proving you’re a safe driver by avoiding traffic violations and car accidents can help you get a lower rate on your auto insurance.
- Check for discounts. Many insurers offer a wide range of discounts you can stack to maximize your savings. For example, you can get a multi-car discount when you insure at least two cars. The multi-policy discount is another lucrative discount, providing up to 30% when you bundle two policies, such as homeowners, renters insurance, or life insurance.
- Compare company quotes. Getting an auto insurance quote from multiple companies can help ensure you get the best price for the insurance coverage you need.
Compare Quotes from Aurora’s Cheapest Insurers
Aurora Auto Insurance FAQs
Knowing the answers to the most common questions about affordable auto insurance in Aurora can help you get the best policy at the most competitive rates.
Which company has the cheapest car insurance in Aurora?
State Farm has the cheapest car insurance in Aurora, at $90 per month, according to Compare.com data.
How much is car insurance in Aurora?
Auto insurance costs $175 per month on average in Aurora, according to Compare.com data. But, rates vary by age, driving record, vehicle make and model, and ZIP code — your actual rate may be more or less depending on your personal factors.
How much car insurance does Colorado require?
Colorado drivers must have at least 25/50/15 liability insurance: $25,000 per person, $50,000 per accident in bodily injury liability, and $15,000 per accident for property damage liability.
What happens if you get caught driving without insurance in Aurora?
If authorities catch you driving without car insurance, you’ll pay a fine of $500 or more and potentially face driver’s license suspension and 40 community service hours. Harsher penalties come with subsequent violations.
Data Methodology:
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
Sources:
- Colorado General Assembly, “Mandatory Automobile Insurance in Colorado,” Accessed June 17, 2024.
- Insurance Institute for Highway Safety, “Older drivers,” accessed June 17, 2024.
- Insurance Institute for Highway Safety, “Teenagers,” accessed June 17, 2024.
- J.D. Power, “2023 U.S. Auto Insurance Study,” accessed June 17, 2024.
- J.D. Power, “2023 U.S. Auto Claims Satisfaction Study,” accessed June 17, 2024.
- National Insurance Crime Bureau, “Vehicle Thefts Surge Nationwide in 2023,” Accessed June 17, 2024.
- NOLO, “Colorado Car Insurance Laws and Requirements,” Accessed June 17, 2024.
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