It’s impossible to miss the ads from insurers like State Farm, Progressive, and Allstate that say if you switch you’ll get huge savings, so you just need to pick the company with the catchiest ad, right?
It’s not that simple, unfortunately, as there are a ton of unknown factors such as how old you are, if you are a homeowner, and the amount of coverage you want, that all have an effect on the price of a policy. Car insurance is kind of a dry topic, but this article will explain the best ways to pay less and should give you a solid foundation to find cheaper car insurance in Aurora.
The car, truck, or SUV you are buying coverage for is probably the biggest factor when comparing quotes for the most affordable car insurance for good students. Vehicles with lower acceleration and performance, excellent safety ratings, or low incidents of liability claims will cost quite a bit less to insure than high performance models. The table below estimates coverage prices for the cheaper automobiles to insure in Colorado.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $5,490 |
| Honda CR-V LX 2WD | $5,497 |
| Honda Accord EX-L 4-Dr Sedan | $5,879 |
| Toyota Prius | $5,932 |
| Ford Edge SE 2WD | $6,120 |
| Jeep Wrangler Sahara 4WD 2-Dr | $6,172 |
| Ford F-150 STX Super Cab 4WD | $6,225 |
| Toyota RAV4 Limited 4WD | $6,509 |
| Chevrolet Equinox LS AWD | $6,515 |
| Ford Explorer Eddie Bauer 4WD | $6,561 |
| Chevrolet Malibu LT | $6,567 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $6,561 |
| Dodge Grand Caravan Crew | $6,566 |
| Ford Focus SES 4-Dr Sedan | $6,792 |
| Hyundai Elantra Blue 4-Dr Sedan | $6,798 |
| Honda Odyssey EX-L W/Rear Entertainment | $6,845 |
| Nissan Altima 2.5 S 4-Dr Sedan | $6,855 |
| Toyota Camry XLE | $6,845 |
| Chevrolet Impala LTZ | $6,853 |
| GMC Sierra SL Crew Cab 4WD | $6,898 |
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Above prices assume single male driver age 16, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, and safe-driver. Prices do not factor in specific location information which can modify premium rates significantly.
By looking at the data, you can see that makes and models like the Ford Escape, Honda CR-V, Honda Accord, and Toyota Prius are going to be some of the cheapest vehicles to insure for student drivers.
Buying affordable car insurance is easier said than done, and finding out which company offers the best insurance rates for good students takes even more shopping around. Each auto insurance company has a different process for filing rates in each state, so we’ll go over the insurance companies that tend to have lower prices in Colorado.
It’s a good idea to know that Aurora insurance rates are determined by lots of factors that may substantially change the price you pay. This price fluctuation is why it is critical to take the time to shop around to find the cheapest car insurance quotes for good students. Prices are determined by many risk factors and can increase or decrease at any time, so the most economical company the last time you checked may now be one of the higher cost companies.
Lowest Insurance Price Quotes for Students
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $825 |
| 2 | Grange | $949 |
| 3 | USAA | $1,029 |
| 4 | Nationwide | $1,109 |
| 5 | GEICO | $1,176 |
| 6 | Auto-Owners | $1,192 |
| 7 | Travelers | $1,207 |
| 8 | State Farm | $1,209 |
| 9 | American Family | $1,314 |
| 10 | Progressive | $1,336 |
| 11 | Amica | $1,381 |
| 12 | California Casualty | $1,444 |
| 13 | Allied | $1,453 |
| 14 | Farmers | $1,581 |
| 15 | Colorado Farm Bureau | $1,640 |
| 16 | MetLife | $1,866 |
| 17 | Allstate | $1,994 |
| 18 | Encompass | $2,253 |
| 19 | Safeco | $2,447 |
| 20 | Titan | $2,738 |
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The Hartford offers some of the most affordable car insurance rates in Aurora at around $825 annually. This is $753 less than the average rate paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO also rank well as some of the best Aurora, CO insurance companies.
In this example, if you are currently insured with GEICO and switched to Grange, you might achieve savings of around $227. Colorado drivers with Auto-Owners could save as much as $243 a year, and Travelers customers might reduce rates by $258 a year.
To find the cheapest coverage for you, click here to start a quote or click through to the companies below.
Understand that those rates are averaged across all types of insureds and vehicles and and are not calculated with a specific zip code for good students. So the company that can offer you the best price may not even be in the top 21 companies in the list above. That helps illustrate why you need to compare rates from as many companies as possible using your own specific driver and vehicle information.
Buying coverage from the best car insurance provider can be challenging considering how many companies provide coverage in Colorado. The ranking information shown next can help you select which coverage providers to look at comparing rates from. The ratings below are for companies with a nationwide focus, so companies without a large exposure are not included in the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Get discount Aurora insurance rates
Car insurance companies that offer coverage for good students may also provide discounts that could reduce prices by as much as 40% or more if you qualify for them. Larger insurance companies and the discounts they provide can be found below.
- Progressive offers discounts including homeowner, good student, multi-policy, online quote discount, continuous coverage, and multi-vehicle.
- GEICO offers discounts for driver training, anti-lock brakes, seat belt use, multi-policy, and five-year accident-free.
- State Farm may offer discounts for multiple policy, accident-free, Drive Safe & Save, good driver, and multiple autos.
- Esurance offers premium reductions for anti-lock brakes, multi-car, emergency road assistance, safety device, multi-policy, DriveSense, and Pac-12 alumni.
- The Hartford may have discounts that include vehicle fuel type, good student, defensive driver, driver training, anti-theft, and air bag.
The illustration below shows the difference between insurance premiums with and without discounts being applied to the rates. The data assumes a female driver, no claims or driving citations, Colorado state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with anti-theft, continuous coverage, good student, vehicle safety, paid-in-full, and passive restraint discounts applied. When discounts are factored in, theaverage amount saved on insurance for good students is 28% or $624.
Violations and accidents raise rates
The easiest method to score affordable insurance rates for student drivers is to drive cautiously and avoid accidents and traffic violations. The information below demonstrates how traffic citations and fender-benders can influence auto insurance costs for different age groups. The rate quotes are based on a single male driver, comp and collision included, $1,000 deductibles, and no additional discounts are factored in.
In the previous example, the average cost of auto insurance per year with no violations or accidents is $1,476. Get written up for two speeding tickets and the average cost swells to $1,940, an increase of $464 each year. Then throw in two accidents along with the two speeding tickets and the 12-month cost of insurance for good students increases to an average of $3,888. That’s an increase of $2,412, or $201 per month, just for being a little careless behind the wheel!
The benefit of shopping around
Colorado insurance rates are determined by lots of factors that can increase the policy premium. Simply having a birthday, getting married, or getting a couple of tickets can trigger rate changes that can now make some companies affordable when they were higher priced. Additionally, insurers change rates every year or even multiple times each year to ensure their profitability. A period of higher than normal claims may cause additional price hikes, while profitable underwriting can cause lower-priced Aurora car insurance rates.
For example, the chart below shows the cheapest car insurance in Aurora, CO for a 40-year-old male driver with no prior claims, no tickets, and a high credit rating. If we estimate prices based on his current rating profile, The Hartford might quote the lowest car insurance rates in Aurora at $1,035 a year. This is $543 less than the average premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO are the rest of the best Aurora, CO auto insurance companies.
In this next rate comparison, we will give the driver from the above example a chargeable accident, less-than-perfect credit, and a stop sign violation. Since every insurance provider has a proprietary method for filing rates in each state, comparing quotes could result in a different ranking of affordable Aurora car insurance companies as shown below.
Travelers now has the best car insurance rate in Aurora with State Farm, American Family, Progressive, and Grange also having competitive pricing. This shows why Aurora drivers need to take the time to shop around when trying to find the most affordable car insurance quotes for good students.
Insurance prices are impacted by many risk factors and can increase or decrease at any time, so the cheapest option the last time you checked may now be one of the more expensive options.
If you have questions and prefer to have some professional guidance when buying car insurance for student drivers, the agents shown below are willing to help you determine which coverages and limits you need.
To locate an Aurora car insurance agency closest to you, click the link at the bottom.
- Dickson Insurance Agency
4093 S Olathe Ct – Aurora, CO 80013 – (303) 693-1936 - Focus Insurance Agency
2993 S Peoria St #144 – Aurora, CO 80014 – (303) 695-6220 - A Complete Auto Insurance Agency
543 Sable Blvd – Aurora, CO 80011 – (303) 650-0060 - American Family Insurance – Patricia Davis
1627 S Havana St e – Aurora, CO 80012 – (303) 360-9831