The words “bargain” and “insurance” really should not be used together, specifically when comparison shopping for the best coverage prices for uninsured drivers. In an attempt to save some money, let’s take a look at a few of the factors the can have a considerable influence on car insurance premiums, and see if you can slash the price of your next policy.
Comparing rates for budget auto insurance is challenging, and figuring out which company offers the cheapest insurance rates for uninsured drivers may require even more perseverance. Each auto insurance company has their own process for determining prices, so we need to take a look at the insurance companies with the overall best prices in Colorado.
We do need to point out that Colorado insurance rates are calculated based on many things that can increase the price you have to pay for coverage. This price variability is why it is crucial to compare many different companies to get cheap car insurance rates for uninsured drivers. Prices can be determined by many factors and change dramatically, so the cheapest option when you last compared rates may now cost much more than other companies.
Find Cheaper Car Insurance in Colorado
|Rank||Company||Cost Per Year|
|14||Colorado Farm Bureau||$1,576|
|View More Rates Go|
The Hartford normally has some of the most affordable car insurance rates in Aurora at around $850 per year. This is $728 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO also qualify as some of the cheapest Aurora, CO insurance companies.
As shown in the rates above, if you currently have a policy with Nationwide and switched to The Hartford, you could earn a yearly price reduction of approximately $259. Insureds with GEICO might save as much as $291 a year, and Auto-Owners customers might lower prices by $306 a year.
To find cheaper insurance rates for your vehicle, click here to start your free quote or quote prices from the following companies.
Bear in mind that those premium estimates are averaged for all drivers and vehicles and do not take into consideration an exact location for uninsured drivers. So the auto insurance company that has the lowest price for you may not even be in the top 21 companies shown above. That emphasizes why you need to get rate quotes using your own specific driver information and vehicle.
The car, truck, or SUV that is being insured is a significant factor that determines whether or not you find economical car insurance for uninsured drivers. Vehicles with higher performance, poor passenger safety features, or high incidents of liability claims will cost more to insure than more modest models.
The list below ranks auto insurance prices for a selection of the more affordable automobiles to insure in Colorado.
|Make and Model||Estimated Cost for Full Coverage|
|Hyundai Elantra GLS Touring Station Wagon||$1,281|
|Ford Escape XLT 2WD||$1,444|
|Honda CR-V LX 2WD||$1,454|
|Toyota RAV4 Sport 4WD||$1,518|
|Toyota Camry LE||$1,527|
|Dodge Grand Caravan CV||$1,569|
|Hyundai Sonata GLS 4-Dr Sedan||$1,625|
|Chevrolet Silverado LT Regular Cab 2WD||$1,631|
|Ford Edge SEL 2WD||$1,628|
|Honda Odyssey Touring||$1,637|
|Ford Explorer XLT 4WD||$1,630|
|Dodge Ram Crew Cab ST 2WD||$1,653|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$1,656|
|Toyota Tacoma Double Cab 4WD||$1,661|
|Start a Quote Go|
Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Premium amounts do not factor in Aurora, CO location which can raise or lower premiums substantially.
Based on these rates, models like the Hyundai Elantra, Ford Escape, Honda CR-V, Toyota RAV4, and Toyota Camry will be some of the cheaper vehicles to insure for drivers with no prior coverage.
For drivers with no prior coverage, one of the largest considerations that aid in calculating car insurance rates is where your car is garaged. Areas with high crime rates or more dense population tend to pay more, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.
The table below rates the most expensive places in Colorado for uninsured drivers to buy auto insurance in. Aurora makes the list at #4 with a yearly cost of $1,361 for the average insured, which is approximately $113 each month.
|Rank||City||Premium Per Year|
|Quote Best Rates Go|
Price information shown is estimated as specific location information can revise coverage prices noticeably.
Driving violations and accidents
The common sense way to earn the best insurance rates for drivers with no prior coverage is to be an attentive driver and not have accidents or get tickets. The information below shows how violations and at-fault fender-benders can influence auto insurance rates for different age groups of insureds. The premium estimates are based on a married male driver, full coverage, $500 deductibles, and no policy discounts are applied.
In the chart above, the average cost of auto insurance in Aurora per year with no violations or accidents is $1,411. Receive two speeding tickets and the average cost jumps to $1,942, an increase of $531 each year. Then add in one accident along with the two speeding tickets and the 12-month cost of insurance for uninsured drivers goes up to an average of $2,475. That’s an increase of $1,064, or $89 per month, just for not paying attention while driving!
Which insurance company is best in Colorado?
Ending up with the top car insurance provider is difficult considering how many companies are available to choose from in Colorado. The rank data in the next section may help you select which insurers to look at purchasing from.
These ratings include companies that write coverage in many states, so companies that may only write in Colorado will not be included in these rankings. If you wish to compare rates from these and other top-rated companies, click this link.
|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
Ideas for finding the cheapest insurance for uninsured drivers
Below you’ll find some of the recommended penny-pinching solutions that can help Colorado drivers buy cheaper coverage.
- Higher credit ratings may save you money
- Violations and traffic tickets increase rates
- Vehicles with good safety ratings have lower liability rates
- At-fault accidents will increase rates
- Increase your comprehensive and collision deductibles
- Assess whether full coverage is needed
- Look for cheaper rates once a year by shopping around
The last tip in the list is remarkably valuable, as was discussed in this piece. Coverage prices in Aurora change constantly, so drivers shouldn’t be reluctant to switch companies if you can save money.
Sticking with a specific company is fine, but it’s not a good idea if that loyalty results in overpaying a lot of money. In less than five minutes you could compare prices to find cheaper car insurance for uninsured drivers.
If you prefer to have some advice when shopping for the best coverage for uninsured drivers, the agents below can help you make a decision which auto insurance coverages would be the best in your situation. To find an agent close to you, click the button following the list.
Stacy Nimmo – State Farm Insurance Agent
1399 S Havana St #201-G – Aurora, CO 80012 – (303) 364-6900
Allstate Insurance: Danielle Shannon Agency
6820 S Liverpool St d – Aurora, CO 80016 – (303) 676-8071
Allstate Insurance: Mario J Morales
14241 E 4th Ave #305 – Aurora, CO 80011 – (303) 366-6800
American Family Insurance – Denise M. Franklyn
13768 E Quincy Ave – Aurora, CO 80015 – (303) 693-8968