For high mileage drivers, one of the more important criteria that determine the price you pay for insurance is where you normally keep your vehicle. Areas with more people or more claims tend to have higher rates, whereas less populated areas have the gratification of cheaper auto insurance rates.
The following table rates the most costly cities in Colorado for high mileage drivers in which to buy car insurance. Aurora is ranked at #4 with the annual price of $1,361 for coverage, which is around $113 monthly.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Pueblo | $1,412 |
| 2 | Denver | $1,383 |
| 3 | Commerce City | $1,368 |
| 4 | Aurora | $1,361 |
| 5 | Lakewood | $1,324 |
| 6 | Colorado Springs | $1,316 |
| 7 | Northglenn | $1,303 |
| 8 | Security-Widefield | $1,291 |
| 9 | Thornton | $1,281 |
| 10 | Highlands Ranch | $1,279 |
| 11 | Centennial | $1,278 |
| 12 | Ken Caryl | $1,274 |
| 13 | Littleton | $1,267 |
| 14 | Castle Rock | $1,261 |
| 15 | Arvada | $1,256 |
| 16 | Brighton | $1,247 |
| 17 | Westminster | $1,246 |
| 18 | Parker | $1,233 |
| 19 | Broomfield | $1,215 |
| 20 | Boulder | $1,159 |
| Find Cheaper Rates Go | ||
Prices are approximated as the specific zip code location can impact prices significantly.
Deciphering which company has the most affordable car insurance rates for high mileage drivers will take a little more effort in order to find the most economical policy. Each insurer uses a slightly different approach to set their prices, so to begin we’ll rank the overall cheapest car insurance companies in Colorado.
Best Cheap Insurance Rates in Colorado
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $850 |
| 2 | Grange | $987 |
| 3 | USAA | $1,039 |
| 4 | Nationwide | $1,121 |
| 5 | GEICO | $1,176 |
| 6 | Auto-Owners | $1,204 |
| 7 | State Farm | $1,209 |
| 8 | Travelers | $1,219 |
| 9 | American Family | $1,314 |
| 10 | Progressive | $1,376 |
| 11 | Amica | $1,381 |
| 12 | Allied | $1,439 |
| 13 | California Casualty | $1,502 |
| 14 | Colorado Farm Bureau | $1,576 |
| 15 | Farmers | $1,629 |
| 16 | MetLife | $1,885 |
| 17 | Allstate | $2,015 |
| 18 | Encompass | $2,165 |
| 19 | Safeco | $2,522 |
| 20 | Titan | $2,711 |
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The Hartford quotes some of the cheapest car insurance rates in Aurora at around $850 each year. Grange, USAA, Nationwide, and GEICO would also make the list of some of the cheaper Aurora, CO insurance companies.
As the rates illustrate above, if you are insured with Grange and switched to The Hartford, you could earn yearly savings of in the vicinity of $137. Customers with USAA could save as much as $189 a year, and Nationwide insureds might reduce rates by $271 a year.
If you want to see how much you could save, click here to get a free quote or visit any of the companies below.
These premium estimates are averages across all insureds and vehicles and are not factoring in a specific zip code for high mileage drivers. So the car insurance company that has the cheapest rates for you may not even be in the list above. That helps illustrate why you need to quote rates from many companies using your own specific driver and vehicle information.
The type of vehicle you are seeking coverage for is probably the biggest factor in finding the cheapest insurance for high mileage drivers. Vehicles with average performance, advanced safety features, or a track record of few liability claims will cost significantly less to insure than adrenaline junky models. The data below estimates car insurance premiums for the cheapest vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Jeep Wrangler Sport 4WD 2-Dr | $1,309 |
| Toyota Prius | $1,398 |
| Chevrolet Impala LS | $1,464 |
| Honda CR-V EX 4WD | $1,482 |
| Toyota RAV4 Limited 4WD | $1,495 |
| Toyota Camry LE | $1,504 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,523 |
| Ford Explorer Eddie Bauer AWD | $1,529 |
| Honda Accord EX 4-Dr Sedan | $1,546 |
| Ford Escape XLT 4WD | $1,584 |
| Chevrolet Silverado LTZ Crew Cab 4WD | $1,602 |
| Volkswagen Jetta SEL 4-Dr Sedan | $1,608 |
| Toyota Camry Hybrid | $1,709 |
| Start Your Quote Go | |
Data variables include single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Table data does not factor in zip code location which can lower or raise prices significantly.
By looking at the data, makes and models like the Jeep Wrangler, Toyota Prius, and Chevrolet Impala are most likely to be some of the most affordable vehicles to insure for high mileage drivers.
Picking a highly-rated insurer is hard considering how many choices drivers have in Aurora. The company rank data shown next may help you choose which insurers you want to consider when insurance shopping for high mileage drivers. The rankings below are only comprised of companies who write in the majority of U.S. states, so companies without a large exposure are not included in this 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 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Bad driving habits will cost you more
One of the best ways to find the best car insurance rates in Aurora for high mileage drivers is to drive carefully and avoid tickets and accidents. The illustration below demonstrates how citations and at-fault fender-benders can raise auto insurance costs for different age groups of insureds. The premium estimates are based on a single female driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of auto insurance in Colorado per year with no violations or accidents is $2,554. Receive two speeding tickets and the average cost surges to $3,438, an increase of $884 each year. Then add in one accident along with the two speeding tickets and the yearly cost of car insurance for high mileage drivers goes up to an average of $4,346. That’s an increase of $1,792, or $149 per month, just for not paying attention while driving!
The auto insurance agents in Aurora shown below can provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation, since lots of people like to have a consultation when buying car insurance for high mileage drivers. It can be difficult to do it yourself, and getting advice from a licensed Colorado insurance agent can give peace of mind knowing your coverage gives you enough protection.
To locate an agency closest to you, click the button after the list or click here to compare prices now.
Farmers Insurance – Archie Verhoeff
13743 E Mississippi Ave #100 – Aurora, CO 80012 – (303) 363-1757
Paul Macaluso – State Farm Insurance Agent
Ste A6, 16911 E Quincy Ave – Aurora, CO 80015 – (303) 690-6700
All Drivers Insurance
12142 E Mississippi Ave – Aurora, CO 80012 – (303) 695-1000
Jody Roberts – State Farm Insurance Agent
15260 E Hampden Ave – Aurora, CO 80014 – (303) 693-1650
View more Aurora, CO insurance agents
How to find the cheapest auto insurance for high mileage drivers
It is possible to find better rates, and here are many money-saving suggestions that can help you get lower-cost auto insurance.
- Do not pay for full coverage on older vehicles
- Increase deductibles to save money
- Pay less by remaining claim-free
- Speeding tickets and other violations increase rates
- Prevent rate increases by staying accident-free
- Look for cheaper rates once a year by shopping around
The last tip in the list is extraordinarily vital, as we stressed in the prior article. Coverage rates in Aurora can change in a short period of time, so drivers shouldn’t be reluctant to change insurance companies if you find a better deal. Staying with the same company for years is fine, but it isn’t a good idea if that devotion results in you overpaying lots of money. Spend a few minutes and shop around and find cheaper auto insurance for high mileage drivers.