Who Has the Cheapest Car Insurance Rates for High Mileage Drivers in Aurora?

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.

How much is car insurance in Aurora?
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
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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

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What’s the cheapest car insurance 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.

Cheapest Vehicles to Insure in Aurora, CO
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
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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.

Top 15 Car Insurance Companies for High Mileage Drivers in Aurora, CO
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
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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 #100Aurora, CO 80012(303) 363-1757

Paul Macaluso – State Farm Insurance Agent
Ste A6, 16911 E Quincy AveAurora, CO 80015(303) 690-6700

All Drivers Insurance
12142 E Mississippi AveAurora, CO 80012(303) 695-1000

Jody Roberts – State Farm Insurance Agent
15260 E Hampden AveAurora, 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.

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.