Finding dependable, low-priced auto insurance is confusing at best, and deciding which company offers the cheapest car insurance rates for drivers with a DUI requires even more rate comparisons. Each auto insurer has their own process for setting prices, so let’s rank the car insurance companies with the most affordable rates in Aurora.
It’s important to understand that Colorado car insurance rates are determined by lots of factors that will increase or decrease the price you pay for coverage. Turning one year older, buying a higher-value vehicle, or getting a DUI may cause policy rate changes that can cause some rates to be higher when they were quite affordable.
Find the Cheapest Auto Insurance after a DUI
|Rank||Company||Cost Per Year|
|15||Colorado Farm Bureau||$1,640|
|Find Your Rate Go|
The Hartford generally has some of the lowest car insurance rates in Aurora at around $859 each year. This is $719 less than the average premium paid by Colorado drivers of $1,578. Grange, USAA, GEICO, and Nationwide also rank well as some of the best Aurora, CO car insurance companies.
In the above rates, if you are a customer of Nationwide and switched to Grange, you might achieve an annual premium reduction of around $177. Insureds with Auto-Owners may save as much as $178 a year, and Travelers insureds might realize rate reductions of up to $229 a year.
To find cheaper insurance rates for your vehicle, click here or visit several of the following companies.
Remember that these policy rates are averages across all types of insureds and vehicles and and are not figured with a specific location for drivers with a DUI. So the auto insurance company that is best for you may not even be in the list above. That affirms the importance of why you need to compare prices as often as possible using your own driver and vehicle profiles.
One of the many factors that are looked at to help calculate auto insurance rates is your zip code. Cities with larger populations are more likely to pay higher prices, whereas areas with less congestion have the luxury of lower rates.
The following table shows the most expensive areas in Colorado for drivers with a DUI to buy an auto insurance policy in. Aurora is ranked at #2 with an annual cost of $1,403 for the average insurance policy, which is approximately $117 per month.
|Rank||City||Average Per Year|
|Compare Prices Now Go|
Rate information is estimated as the specific garaging location can lower or raise rates significantly.
The car, truck, or SUV you are trying to insure is a large consideration in finding affordable coverage for drivers with a DUI. Vehicles with lots of speed or power, a lack of modern safety features, or a track record of large liability claims will cost more to insure than more modest models.
The list below showcases coverage rates for a selection of the cheaper vehicles to insure in Colorado.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLT 4WD||$2,073|
|Honda Accord LX 4-Dr Sedan||$2,078|
|Honda Odyssey LX||$2,086|
|Honda CR-V EX 4WD||$2,130|
|Hyundai Elantra SE Touring Station Wagon||$2,211|
|Jeep Grand Cherokee Laredo 2WD||$2,253|
|Dodge Grand Caravan SE||$2,268|
|Toyota Camry XLE||$2,378|
|Toyota Corolla XLE||$2,383|
|Ford Edge SE AWD||$2,406|
|Toyota RAV4 Limited 2WD||$2,416|
|GMC Sierra SLE Regular Cab 2WD||$2,406|
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Table data represents single male driver age 30, two speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, and multi-policy. Information does not factor in the specific area where the vehicle is garaged which can alter coverage rates substantially.
Based upon these rates, you can infer that cars like the Ford Escape, Honda Accord, Honda Odyssey, and Honda CR-V are going to be a few of the cheaper vehicles to insure after getting a DUI. The cost of a car insurance policy will be more costly because of the fact that there is a higher risk for drivers with a DUI, but in general those specific models will tend to have the lowest prices compared to other types of vehicles.
Choosing a high-quality company can be difficult considering how many different companies sell coverage in Colorado. The ranking information shown below may help you select which auto insurance companies to look at when shopping insurance around for drivers with a DUI.
These rankings are for companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Colorado will not be included in the list. To get rate quotes from many more Colorado auto insurance companies, simply click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|Compare Rates Now Go|
Data Source: Insure.com Best Car Insurance Companies
Full coverage versus liability-only in Aurora
Saving money on car insurance is probably important to the majority of drivers, and a good way to pay lower rates for insurance for drivers with a DUI is to only pay for liability coverage. The information below compares annual premium costs with full physical damage coverage and with liability coverage only. The costs are based on a clean driving record, no claims, $100 deductibles, drivers are single, and no discounts are applied to the premium.
Averaged for all ages 20 through 70, full coverage costs $2,696 per year more than just buying liability only. That raises the question if buying full coverage is worth the money. There is no exact formula to delete comprehensive and collision coverage on your policy, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than 10% of replacement cost minus your deductible, then it could be time to drop full coverage.
There are some cases where only buying liability is not a good plan. If you haven’t satisfied your loan, you have to keep full coverage to protect the lienholder’s interest in the vehicle. Also, if your savings is not enough to buy a different vehicle in the even your car is totaled, you should not eliminate full coverage.
How to find economical insurance for drivers with a DUI
It’s not impossible to find cheaper rates, and here are a few thrifty suggestions that can help drivers buy more affordable coverage.
- Frequent claims will increase rates
- Raise deductibles to save money
- Higher credit scores can equal lower rates
- Safer vehicles generally have cheaper insurance rates
- Do not pay for comprehensive and collision coverage on older vehicles
- Buying home and auto together can help save money
- Ensure you have the best deal by shopping around regularly
The last idea is certainly critical, as we noted in this write-up. Prices charged by auto insurers fluctuate constantly, so don’t be hesitant to change insurance companies if you can find a cheaper rate.
Many drivers prefer to stick with one company, but it’s not recommended if that stubbornness costs you a wad of cash every year. In less than five minutes you could shop around to find cheaper auto insurance for drivers with a DUI in Aurora.
The auto insurance agents in Aurora shown below can probably help you make a decision which insurance coverage will be best for you, as some drivers have questions and prefer to have some advice when shopping around for cheaper insurance after getting a DUI. It can be hard to find the best policy yourself, and agents can give you peace of mind knowing your coverage gives you adequate protection.
To find an Aurora insurance agent in your neighborhood, click the link after the list or click here to get price quotes now.
Paul Macaluso – State Farm Insurance Agent
Ste A6, 16911 E Quincy Ave – Aurora, CO 80015 – (303) 690-6700
Allstate Insurance: Jack Sughrue
2226 S Fraser St Unit 4 – Aurora, CO 80014 – (303) 751-4701
American Family Insurance – Richard Ahrenkiel
2260 S Xanadu Way Ste 257 – Aurora, CO 80014 – (303) 750-6508
Lawrence Neal – State Farm Insurance Agent
15037 E Colfax Ave k – Aurora, CO 80011 – (303) 340-8849
Allstate Insurance: Bernard Demichelis
15062 E Mississippi Ave – Aurora, CO 80012 – (303) 750-5555