Who Has the Cheapest Car Insurance Rates for Single Moms in Aurora?

Finding good, cheap car insurance is difficult, and deciding which company has the lowest-priced insurance rates for single moms takes even more shopping around. Every insurance provider uses their own formula for setting rates, so first let’s look at the rankings for the insurance companies with the overall best prices in Colorado.

Cheapest Insurance Rates for Single Moms

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Cheapest Colorado car insurance ranked by price
Rank Company Cost Per Year
1 The Hartford $834
2 Grange $987
3 USAA $1,029
4 Nationwide $1,143
5 Travelers $1,171
6 GEICO $1,176
7 Auto-Owners $1,192
8 State Farm $1,259
9 American Family $1,301
10 Amica $1,340
11 Progressive $1,376
12 California Casualty $1,444
13 Allied $1,453
14 Farmers $1,613
15 Colorado Farm Bureau $1,640
16 MetLife $1,811
17 Allstate $2,076
18 Encompass $2,253
19 Safeco $2,522
20 Titan $2,630
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The Hartford normally has some of the cheapest car insurance rates in Aurora at around $834 a year. This is $744 less than the average policy premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Travelers also rank well as some of the best Aurora, CO insurance companies.

As depicted above, if you are insured with USAA and switched to The Hartford, you could realize an annual savings of in the vicinity of $195. Drivers with Nationwide may save as much as $309 a year, and Travelers policyholders might lower prices by up to $337 a year.

To find the cheapest rates for your vehicle, click here to start your custom quote or click several companies below for low rates.

Remember that these prices are averages for all types of insureds and vehicles and and are not calculated with a vehicle location for single moms. So the company that fits your situation best may not even be in the top 21 companies in the list above. That points out the importance of why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.

The vehicle you are buying coverage for is one of the primary factors when comparing quotes for the lowest-priced coverage for single moms. Vehicles with high performance features, a lack of advanced safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than more modest models.

The table below features auto insurance premiums for a number of the more affordable vehicles to insure in Colorado.

Cheapest Vehicles to Insure in Aurora, CO
Make, Model, and Trim Level Estimated Cost for Full Coverage
Honda Accord EX 4-Dr Sedan $1,237
Hyundai Elantra SE Touring Station Wagon $1,343
Honda CR-V EX-L 4WD $1,449
Volkswagen Jetta S 4-Dr Sedan $1,462
Dodge Grand Caravan Hero $1,467
Ford Escape XLS 4WD $1,515
Toyota Corolla S $1,540
Nissan Altima 2.5 S 4-Dr Sedan $1,547
Chevrolet Silverado LT Crew Cab 4WD $1,568
Honda Odyssey Touring $1,573
Ford Explorer XLT AWD $1,588
Jeep Wrangler Rubicon 4WD 2-Dr $1,594
Dodge Ram 3500 Crew Cab ST 2WD $1,624
Toyota RAV4 Limited 2WD $1,677
Jeep Grand Cherokee Laredo 2WD $1,683
Toyota Prius $1,684
Chevrolet Malibu LT $1,707
Chevrolet Impala LS $1,760
Ford Edge SEL 2WD $1,767
GMC Sierra SLE Crew Cab 2WD $1,795
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Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium costs do not factor in specific Aurora, CO garaging location which can alter coverage prices considerably.

Looking at the numbers, cars like the Honda Accord, Hyundai Elantra, Honda CR-V, Volkswagen Jetta, and Dodge Grand Caravan are a few of the most budget-friendly vehicles to insure for single parents.

One of the many things that are looked at to help calculate the annual cost of car insurance is where you keep your vehicle in Aurora. Cities with more crime and/or more people tend to have more expensive auto insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims have the gratification of cheaper auto insurance rates.

The next table ranks the highest-priced areas in Colorado for single moms to buy auto insurance in. Aurora comes in at #3 costing $1,403 for the average insurance policy, which is around $117 each month.

How much does auto insurance cost in Aurora?
Rank City Annual Premium
1 Pueblo $1,440
2 Denver $1,425
3 Aurora $1,403
4 Lakewood $1,365
5 Northglenn $1,342
6 Centennial $1,317
7 Commerce City $1,314
8 Thornton $1,307
9 Security-Widefield $1,304
10 Arvada $1,295
11 Colorado Springs $1,290
12 Ken Caryl $1,287
13 Westminster $1,272
14 Highlands Ranch $1,267
15 Parker $1,257
16 Littleton $1,254
17 Brighton $1,247
18 Castle Rock $1,224
19 Broomfield $1,179
20 Boulder $1,171
21 Longmont $1,144
22 Greeley $1,122
23 Grand Junction $1,120
24 Fort Collins $1,067
25 Loveland $1,063
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Information shown are estimated as specific Aurora zip code can affect rates noticeably.

The example below highlights how deductible selection can affect insurance costs when getting quotes for cheap insurance for single moms. The costs are based on a married female driver, comp and collision included, and no discounts are applied to the premium.

As shown above, a 40-year-old driver could save $324 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $488 by using a $1,000 deductible. Younger drivers, such as the Age 20 example, could potentially save up to $802 or more by choosing larger deductibles on their policy.

If you do decide to increase your deductibles, it will be important to have emergency funds available to pay the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.

Buying coverage from a highly-rated company is hard considering how many companies sell coverage in Colorado. The company information in the next section may help you pick which auto insurers to look at putting your business with.

These rankings are for companies who write in the majority of U.S. states, so smaller companies that only insure vehicles in Colorado are not included in this list. If you’d like to compare prices from the most competitive companies in Colorado, just click here.

Best Ten Insurance Companies for Single Moms in Colorado
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
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Data Source: Insure.com Best Car Insurance Companies

Irresponsible driving raises your rates

A great way to score good insurance rates in Colorado for single parents is to be a good driver and avoid tickets and accidents. The example below illustrates how violations and at-fault claims influence insurance premiums for different ages of insureds. Data assumes a married female driver, full physical damage coverage, $1,000 deductibles, and no policy discounts are applied.

The data above shows the average cost of car insurance in Aurora per year with a clean driving record and no accidents is $1,226. Get one speeding ticket and the average cost rises to $1,431, an increase of $205 each year. Now get two accidents along with the one speeding ticket and the yearly cost of insurance for single moms goes up to an average of $3,295. That’s an increase of $2,069, or $172 per month, just for being a less-than-perfect driver!

The agents below are a good start to answer your questions and help you decide which coverages and limits you need, as some people prefer to get some professional input when shopping for the best coverage for single parents. It can be challenging to find the cheapest rates, and a licensed agent can give you comfort knowing you have adequate coverage when you need it most.

To locate an Aurora auto insurance agent near you, click the button link following the list or click here to compare price quotes.

Mark Vissering – State Farm Insurance Agent
1852 S Havana StAurora, CO 80012(303) 745-0034

American Family Insurance – Richard Ahrenkiel
2260 S Xanadu Way Ste 257Aurora, CO 80014(303) 750-6508

Mark Peter State Farm Insurance Agency
12100 E Iliff Ave #104Aurora, CO 80014(303) 755-3220

Bob Massie – State Farm Insurance Agent
15290 E 6th Ave #220Aurora, CO 80011(303) 364-8298

State Farm Insurance Agency – Jason Hart
15201 E Moncrieff Pl eAurora, CO 80011(720) 920-9043

More Aurora, CO insurance agents