The vehicle needing coverage is one of the primary factors that determines if you can find the best cheap insurance for hybrid vehicles. Vehicles with higher performance characteristics, a lack of advanced safety features, or a track record of large liability claims will cost substantially more to insure than safer, lower-performance models.
The list below shows insurance premiums for the cheapest vehicles to buy insurance for.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 4WD | $1,360 |
| Toyota Prius | $1,507 |
| Honda CR-V EX-L 2WD | $1,578 |
| Ford Focus S 4-Dr Sedan | $1,581 |
| Jeep Grand Cherokee Laredo 2WD | $1,609 |
| Dodge Grand Caravan SXT | $1,641 |
| Ford F-150 Lariat Crew Cab Harley 2WD | $1,728 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,734 |
| Honda Odyssey Touring | $1,728 |
| Ford Edge SEL AWD | $1,733 |
| Chevrolet Malibu Hybrid | $1,767 |
| Chevrolet Silverado LS Extended Cab 4WD | $1,772 |
| Volkswagen Jetta S 4-Dr Sedan | $1,767 |
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rates do not factor in specific zip code location which can increase or decrease coverage prices considerably.
Based upon the rates shown, you can conclude that models like the Ford Escape, Toyota Prius, Honda CR-V, Ford Focus, and Jeep Grand Cherokee are most likely going to be a few of the cheapest vehicles to insure for hybrids.
Finding dependable, cheap insurance is not most people’s favorite thing to do, and figuring out which company quotes the best insurance rates for hybrid vehicles will involve a little more work.
Each insurer has their own unique process for setting prices, so let’s begin by taking a look at the insurance companies with the most affordable rates in Aurora.
Lowest Insurance Price Quotes for Hybrids
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $850 |
| 2 | Grange | $958 |
| 3 | USAA | $1,009 |
| 4 | Nationwide | $1,155 |
| 5 | Auto-Owners | $1,156 |
| 6 | GEICO | $1,176 |
| 7 | Travelers | $1,207 |
| 8 | State Farm | $1,259 |
| 9 | American Family | $1,314 |
| 10 | Amica | $1,353 |
| 11 | Progressive | $1,376 |
| 12 | Allied | $1,439 |
| 13 | California Casualty | $1,488 |
| 14 | Colorado Farm Bureau | $1,576 |
| 15 | Farmers | $1,629 |
| 16 | MetLife | $1,830 |
| 17 | Allstate | $1,994 |
| 18 | Encompass | $2,165 |
| 19 | Safeco | $2,447 |
| 20 | Titan | $2,711 |
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The Hartford quotes some of the lowest car insurance rates in Aurora at around $850 annually. Grange, USAA, Nationwide, and Auto-Owners also qualify as some of the best Aurora, CO car insurance companies.
As depicted above, if you buy coverage from USAA and switched to The Hartford, you could earn savings of approximately $159. Customers with Nationwide may save as much as $305 a year, and Auto-Owners insureds might reduce prices by as much as $306 a year.
Bear in mind that those estimates are averaged across all insureds and vehicles and and are not calculated with a specific location for hybrid vehicles. So the company that has the lowest price for you may not even be in the top 21 companies shown above. That is why you need to compare prices as often as possible using your own driver information and specific vehicle type.
One of the many considerations that determine the price you pay for insurance is your address. Areas with more people or even just a higher incidence of claims are more likely to pay higher prices, whereas less populated areas tend to receive cheaper rates.
The information below rates the priciest cities in Colorado for hybrid vehicles to buy an auto insurance policy in. Aurora comes in at #5 with an annual cost of $1,361 for the average policyholder, which is around $113 per month.
| Rank | City | Annual Rate |
|---|---|---|
| 1 | Pueblo | $1,455 |
| 2 | Denver | $1,383 |
| 3 | Commerce City | $1,368 |
| 4 | Lakewood | $1,365 |
| 5 | Aurora | $1,361 |
| 6 | Northglenn | $1,342 |
| 7 | Security-Widefield | $1,291 |
| 8 | Ken Caryl | $1,287 |
| 9 | Colorado Springs | $1,277 |
| 10 | Thornton | $1,268 |
| 11 | Littleton | $1,267 |
| 12 | Centennial | $1,265 |
| 13 | Arvada | $1,256 |
| 14 | Brighton | $1,235 |
| 15 | Westminster | $1,234 |
| 16 | Highlands Ranch | $1,229 |
| 17 | Castle Rock | $1,224 |
| 18 | Parker | $1,220 |
| 19 | Boulder | $1,207 |
| 20 | Longmont | $1,168 |
| 21 | Broomfield | $1,167 |
| 22 | Grand Junction | $1,166 |
| 23 | Greeley | $1,122 |
| 24 | Fort Collins | $1,100 |
| 25 | Loveland | $1,063 |
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Table data uses approximated as the specific Aurora residence address can decrease or increase rates significantly.
The illustration below illustrates how choosing a deductible can change insurance premiums when getting quotes for cheap insurance for hybrid vehicles. The rate quotes are based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
In the chart above, a 40-year-old driver could cut expenses by $388 a year by switching from a $100 deductible to a $500 deductible, or save $586 by choosing a $1,000 deductible. Young drivers, like the 20-year-old category, could potentially save as much as $990 or more by selecting a higher deductible.
If you do make the decision to raise your deductibles, it is essential to have enough spare savings to allow you to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Aurora insurance company ratings
Finding the highest-rated auto insurance company can be a challenge considering how many different companies insure vehicles in Aurora. The ranking data shown next may help you pick which car insurance companies to look at when buying insurance for hybrid vehicles. These rankings only include large insurance companies, so companies without a large exposure are not included in this list.
Top 10 Large Auto Insurance Providers in Aurora Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- Allstate – 88%
- 21st Century – 88%
- The General – 88%
Top 10 Large Auto Insurance Providers in Aurora Ranked by Value
- USAA
- American Family
- The Hartford
- Titan Insurance
- The General
- AAA Insurance
- State Farm
- Nationwide
- Safeco
- Esurance
Get discounts on Aurora insurance rates
Car insurance companies that provide policies for hybrid vehicles may provide premium discounts that could potentially reduce rates by as much as 30% if you qualify. Larger insurance companies and some of the discounts are:
- AAA offers discounts for AAA membership discount, education and occupation, anti-theft, pay-in-full, and multi-policy.
- Progressive discounts include multi-policy, homeowner, good student, online quote discount, multi-vehicle, and online signing.
- State Farm may offer discounts for good student, Steer Clear safe driver discount, good driver, multiple policy, Drive Safe & Save, and defensive driving training.
- Esurance includes discounts for defensive driver, paid-in-full, homeowner, Pac-12 alumni, online quote, and online shopper.
- Nationwide has savings for easy pay, family plan, business or organization, defensive driving, and accident-free.
The example below shows the difference between auto insurance rates with and without discounts being applied to the rates. The premium estimates are based on a female driver, no accidents or driving violations, Colorado state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with passive restraint, claim-free, anti-theft, defensive driving course, safe-driver, and homeowner discounts applied. When discounts are applied, the average savings per year on insurance for hybrid vehicles is 28% or $653.
If you aren’t clear which coverage you need and would like to get some professional advice when shopping around for cheaper insurance for hybrids, the insurance agencies listed below are a good start to answer your questions and help you decide which insurance coverage you need. To find an Aurora insurance agency closest to you, click the link after the list or click here to compare rates now.
- Farmers Insurance – Archie Verhoeff
13743 E Mississippi Ave #100 – Aurora, CO 80012 – (303) 363-1757 - Dickson Insurance Agency
4093 S Olathe Ct – Aurora, CO 80013 – (303) 693-1936 - BUD JUDY AGENCY, INC. (INDEPENDENT INSURANCE AGENCY)
2222 S Fraser St Unit 4 – Aurora, CO 80014 – (303) 368-5839 - Colorado Insurance Professionals, Inc.
13693 E Iliff Ave – Aurora, CO 80014 – (303) 755-8600