The vehicle you are trying to insure is one of the biggest factors that determines whether or not you find the best cheap auto insurance for felons. Vehicles with high performance engines, a lack of safety features, or an increased likelihood of liability claims will cost significantly more to insure than more modest models.
The next list estimates insurance premiums for a handful of the cheaper vehicles to insure.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 2WD||$1,515|
|Ford Escape Limited 2WD||$1,520|
|Ford Focus SES 4-Dr Sedan||$1,600|
|Ford F-350 XL Super Cab 2WD||$1,605|
|Honda Odyssey EX-L||$1,628|
|Ford Edge Sport 2WD||$1,635|
|Toyota Camry SE||$1,628|
|Ford F-150 XL Crew Cab 4WD||$1,636|
|Volkswagen Jetta 2.0T Station Wagon||$1,716|
|Chevrolet Malibu LT||$1,729|
|Jeep Wrangler Unlimited Sport 4WD 4-Dr||$1,737|
|Toyota RAV4 Limited 2WD||$1,742|
|GMC Sierra 2500HD SLT Crew Cab 4WD||$1,752|
|Dodge Grand Caravan Hero||$1,742|
|Nissan Altima 2.5 4-Dr Sedan||$1,752|
|Chevrolet Impala LT||$1,742|
|Ford Fusion SEL AWD 4-Dr Sedan||$1,770|
|Kia Optima EX||$1,780|
|Ford Explorer Limited AWD||$1,780|
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Information does not factor in garaging location in Aurora, CO which can alter premiums significantly.
Looking at the rates, models like the Honda CR-V, Ford Escape, Ford Focus, Ford F-350, and Honda Odyssey are some of the less-costly vehicles to insure for felons.
One of the many components that are used to help calculate the price you pay for insurance is your zip code. Regions with more people or even just more weather-related claims tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims have the luxury of cheap car insurance rates.
The table below lists the most costly cities in Colorado for felons to purchase a policy in. Aurora shows up at #3 with an annual cost of $1,375 on average, which is approximately $115 each month.
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Prices are approximated as the vehicle garaging location can alter premiums greatly.
Get discounts on Aurora insurance
Insurance companies that provide policies for felons may additionally offer rate discounts that could lower prices by as much as 35% if you qualify. Larger car insurance companies and some of the premium reductions they offer are included below.
- Farmers Insurance may include discounts for distant student, electronic funds transfer, homeowner, alternative fuel, switch companies, and business and professional.
- State Farm has savings for good driver, passive restraint, Drive Safe & Save, good student, and multiple policy.
- Liberty Mutual may offer discounts for safety features, multi-car, hybrid vehicle, teen driver discount, and new vehicle discount.
- MetLife offers discounts including good student, multi-policy, defensive driver, good driver, and accident-free.
- Progressive has discounts for multi-vehicle, continuous coverage, multi-policy, good student, and homeowner.
The illustration below shows the comparison of car insurance rates with and without discounts applied to the policy premium. The price estimates are based on a male driver, no tickets, no at-fault accidents, Colorado state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with marriage, passive restraint, vehicle safety, claim-free, defensive driving course, and accident-free discounts applied. With discounts applied, theaverage yearly reduction on car insurance for felons is 28% or $551.
The example below highlights how deductible selection can raise or lower insurance prices when researching cheap insurance for felons. The prices are based on a married male driver, full physical damage coverage, and no discounts are applied to the premium.
As shown above, a 50-year-old driver could lower their car insurance rates by $292 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $444 by changing to a $1,000 deductible. Youthful drivers, like the age 20 example, could potentially save $978 annually just by choosing higher deductibles.
When using a larger deductible, it will be important to have enough in a savings account to be able to pay the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
How to find cheaper car insurance for felons
The list below summarizes a few thrifty suggestions that can help Aurora drivers buy lower-cost coverage.
- Frequent claims will increase rates
- Remain accident-free and save
- Save money by only buying liability coverage for older vehicles
- Increase deductibles to save money
- Avoid getting citations and tickets
- Look for cheaper rates once a year by shopping around
That last idea is very significant, as was pointed out in the article above. Prices in Aurora can change in a short period of time, so drivers shouldn’t be reluctant to buy from a different company if a more affordable price is available.
Having a favorite company is great, but it’s not a good idea if your bullheadedness ends up costing you potentially thousands of dollars a year. It takes less than five minutes to shop around and find cheaper insurance for felons.
The agencies below can most likely provide answers to your questions and help you determine which coverages you need, as some drivers wish to have a professional recommendation when shopping for the best coverage for felons. It can be hard to find the best policy on your own, and getting advice from a licensed agent can provide comfort knowing you have sufficient coverage for your assets. To locate an Aurora auto insurance agent nearest to you, click the button at the bottom.
- Stacy Nimmo – State Farm Insurance Agent
1399 S Havana St #201-G – Aurora, CO 80012 – (303) 364-6900
- American Family Insurance – Rob Owens
20941 E Smoky Hill Rd Unit G – Aurora, CO 80015 – (303) 693-8877
- Lawrence Neal – State Farm Insurance Agent
15037 E Colfax Ave k – Aurora, CO 80011 – (303) 340-8849
- Mike Gibbs – State Farm Insurance Agent
3140 S Parker Rd #2 – Aurora, CO 80014 – (303) 699-2800