How Much are Aurora Auto Insurance Rates for 19 Year Olds?

Figuring out which companies have the best car insurance rates for 19 year olds requires a bit more work in order to find the best policy. Each auto insurer has a different process to determine rates, so let’s take a look at the car insurance companies with the overall best prices in Aurora, CO.

Keep in mind that Aurora, CO car insurance rates are determined by lots of factors that control the price you pay for coverage. Simply improving your credit, having a claim, or having an at-fault accident may prompt premium changes that can make some companies cheaper than before.

Find the Cheapest Car Insurance for Teens

Compare Rates and Save

Cheapest Colorado car insurance ranked by price
Rank Company Cost Per Year
1 The Hartford $850
2 Grange $958
3 USAA $1,029
4 GEICO $1,141
5 Nationwide $1,143
6 Auto-Owners $1,192
7 Travelers $1,207
8 State Farm $1,209
9 American Family $1,314
10 Progressive $1,376
11 Amica $1,394
12 Allied $1,453
13 California Casualty $1,488
14 Farmers $1,581
15 Colorado Farm Bureau $1,592
16 MetLife $1,811
17 Allstate $2,076
18 Encompass $2,187
19 Safeco $2,447
20 Titan $2,630
Quote Your Rates Go

The Hartford has some of the most affordable car insurance rates in Aurora at around $850 annually. Grange, USAA, GEICO, and Nationwide would also be considered some of the lowest-priced Aurora, CO car insurance companies.

As the example above demonstrates, if you are insured with USAA and switched to The Hartford, you might see a yearly savings of in the vicinity of $179. Policyholders with GEICO might save as much as $291 a year, and Nationwide insureds might reduce rates by $293 a year.

To compare your rates to other Colorado insurance companies, click here to start your free quote or visit several of the following companies.

Bear in mind that those prices are averaged across all insureds and vehicles and and are not calculated with a vehicle location for 19 year olds. So the car insurance company that is best for you may not even be in the top 21 companies in the list above. That illustrates why you need to compare as many prices as possible using your own specific driver information and vehicle.

The make and model of vehicle you are seeking coverage for is a significant factor when consumers are trying to find cheap car insurance for 19 year olds. Vehicles with lots of speed or power, poor crash test ratings, or a history of substantial liability claims will cost significantly more to insure than more economical and safe models.

The next list showcases coverage rates for a number of the most affordable vehicles to insure.

Cheapest Vehicles to Insure in Aurora, CO
Vehicle Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $3,914
Ford Escape XLS 2WD $3,924
Honda CR-V EX 4WD $3,961
Volkswagen Jetta S 2.5 Station Wagon $4,237
Toyota Prius $4,286
Chevrolet Impala LS $4,602
Ford Edge SEL 2WD $4,607
Ford Focus SE 4-Dr Sedan $4,602
Chevrolet Malibu Hybrid $4,648
Nissan Altima 2.5 4-Dr Sedan $4,654
Chevrolet Equinox LS 2WD $4,648
Toyota RAV4 Sport 2WD $4,656
Toyota Camry LE $4,648
Ford Explorer Limited 2WD $4,698
Ford F-150 Lariat Crew Cab 2WD $4,706
Dodge Grand Caravan Crew $4,698
Jeep Wrangler Unlimited Sport 4WD 4-Dr $4,779
Honda Odyssey EX-L W/Navigation $4,922
Toyota Corolla S $4,931
Toyota Tacoma X-Runner 2WD $4,922
GMC Sierra 2500HD SLE Regular Cab 4WD $4,971
Jeep Grand Cherokee SRT-8 4WD $4,978
GMC Sierra SLT Crew Cab 2WD $4,971
Start a Quote Go

Data variables include single female driver age 19, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, and claim-free. Premium amounts do not factor in specific Aurora, CO garaging location which can decrease or increase price quotes substantially.

Looking at the rates, you can expect models like the Hyundai Elantra, Ford Escape, Honda CR-V, and Volkswagen Jetta are going to be a few of the more affordable vehicles to insure for teenage drivers. The cost of a car insurance policy will tend to be more expensive because of the fact that there is more claim risk for 19 year olds, but overall those particular vehicles will most likely have the best insurance prices possible.

Best car insurance in Colorado

Buying coverage from the right auto insurance provider can be rather challenging considering how many choices drivers have in Aurora. The rank data listed below can help you decide which car insurance providers to look at comparing rates from. These rankings only include the companies with a significant amount of written premium nationwide, so companies that have a smaller presence will not be included in these rankings.

Top 10 Major Auto Insurance Companies Overall in Aurora

  1. USAA
  2. American Family
  3. State Farm
  4. The Hartford
  5. AAA Insurance
  6. GEICO
  7. The General
  8. Titan Insurance
  9. Progressive
  10. Allstate

Irresponsible driving raises your rates

In a perfect world, the ideal way to find cheap car insurance premiums in Colorado for teenage drivers is to drive carefully and not have accidents or get tickets. The diagram below shows how speeding tickets and accident claims drive up annual premium costs for different ages of insureds. The prices are based on a single female driver, full coverage, $1,000 deductibles, and no discounts are applied to the premium.

The data above shows the average cost of car insurance per year with no violations or accidents is $1,410. Receive one speeding ticket and the average cost rises to $1,600, an increase of $190 each year. Then add two accidents along with the one speeding ticket and the annual cost of car insurance for 19 year olds jumps again to an average of $3,381. That’s an increase of $1,972, or $164 per month, just for not driving responsibly!

Aurora car insurance rates

Aurora car insurance rates are calculated based on many things which can significantly increase or decrease the price you pay for coverage. Simply getting older, buying a home, or getting a ticket for careless driving may cause policy rate changes resulting in some rates now being cheaper than competitors. In addition, insurance companies modify rates as needed as an adjustment for underwriting gains or losses. Significantly higher claims may cause higher rates, while better underwriting may cause lower-cost Aurora car insurance rates.

The bar chart below analyzes the cheapest car insurance in Aurora, CO for a 35-year-old male driver with no prior claims, no tickets, and a high credit rating. If we estimate rates based on his personal profile, The Hartford may have the lowest car insurance rates in Aurora at $1,074 each year. This is $504 less than the average policy premium paid by Colorado drivers of $1,578. Grange, USAA, GEICO, and Nationwide are the remaining cheapest Aurora, CO auto insurance companies.

In this example, we will give the driver from above a couple of claims, a lower credit rating, and a few traffic violations. Due to the fact that each insurance company uses a different method to determine rates, comparing quotes will most likely result in a different list of the cheapest car insurance companies in Aurora as shown below.

Auto-Owners now has the best price in Aurora, CO with State Farm, American Family, Progressive, and Amica also being competitive. This example illustrates why consumers need to take the time to perform an extensive rate comparison when trying to find cheap auto insurance rates for 19 year olds.

Insurance rates can be altered by many risk factors and can decrease or increase without notice, so the most affordable company two years ago may now be one of the higher cost companies.

The insurance agencies below can provide answers to your questions and help you determine which policy fits your needs best, since some people prefer to get some help when comparing insurance rates for teenage drivers. It can be difficult to find the cheapest auto insurance company, and getting professional guidance from a licensed agent can add satisfaction knowing your coverage gives you sufficient coverage at claim time. To locate an Aurora insurance agent close to you, click the button below the list or click here to compare rates now.

Farmers Insurance – Archie Verhoeff
13743 E Mississippi Ave #100Aurora, CO 80012(303) 363-1757

GEICO Insurance Agent
1140 S Abilene StAurora, CO 80012(303) 798-3939

Paul Macaluso – State Farm Insurance Agent
Ste A6, 16911 E Quincy AveAurora, CO 80015(303) 690-6700

Allstate Insurance: Jeff Heinrich
5001 S Parker RdAurora, CO 80015(303) 773-2019

Sam Smith – State Farm Insurance Agent
13688 E Iliff Ave aAurora, CO 80014(720) 535-5506

Find an Aurora, CO insurance agent near you