Cheapest Aurora Auto Insurance

Despite the high insurance cost in Aurora, insuring your vehicle serves several important purposes.

First, almost all states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability coverage in order to license the vehicle. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if your vehicle has a lienholder, almost all lenders will force you to buy insurance to guarantee loan repayment. If the policy lapses, the bank will be required to insure your vehicle at a significantly higher premium and require you to reimburse them the higher premium.

Third, insurance safeguards both your vehicle and your personal assets. It also can pay for medical transport and hospital expenses for both you and anyone you injure as the result of an accident. Liability coverage will also pay for a defense attorney in the event you are sued. If your vehicle gets damaged, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance are definitely more than the cost, particularly when you have a large claim. An average driver in America is currently overpaying as much as $865 each year so you should quote and compare rates every year to make sure the price is not too high.

Whether or not you have cheap auto insurance depends on many different factors, but the average premium rate in Aurora is $1,116 annually. On average, drivers in other states pay about $1,224, so Aurora drivers pay around $108 less each year than drivers in surrounding states.

The cost of car insurance in Aurora depends on many factors, and one of the largest considerations is your choice of vehicle. The pricing data below shows insurance cost for the best selling vehicles that Aurora drivers insure.

Insurance Rates for Popular Cars in Aurora
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $978 $489 $82
Honda Accord EX-L 2-Dr Coupe $1,120 $560 $93
Honda Civic LX-S 4-Dr Sedan $1,014 $507 $85
Hyundai Elantra Blue 4-Dr Sedan $1,014 $507 $85
Kia Optima SX $1,120 $560 $93
Nissan Altima 2.5 4-Dr Sedan $978 $489 $82
Toyota Camry LE $978 $489 $82
Toyota Corolla XLE $1,032 $516 $86
Volkswagen Jetta SE 4-Dr Sedan $1,050 $525 $88
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Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rates do not factor in the specific area where the vehicle is garaged which can increase or decrease coverage prices considerably.

Car Insurance Rates for Popular Pickup Trucks in Aurora
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Extended Cab 2WD $960 $480 $80
Chevrolet Silverado 2500HD LTZ Crew Cab 4WD $1,050 $525 $88
Chevrolet Silverado LS Crew Cab 2WD $1,120 $560 $93
Dodge Ram 3500 Mega Cab Laramie 4WD $1,464 $732 $122
Dodge Ram Quad Cab TRX4 Off Road 2WD $1,066 $533 $89
Ford F-150 XL Crew Cab 2WD $926 $463 $77
GMC Sierra 2500HD SLT Crew Cab 4WD $1,102 $551 $92
GMC Sierra 3500HD SLE Crew Cab 2WD $1,070 $535 $89
GMC Sierra SLT Extended Cab 2WD $1,050 $525 $88
Toyota Tundra Regular Cab 4WD $1,066 $533 $89
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Estimates do not factor in specific zip code location which can raise or lower premiums substantially.

Auto Insurance Rates for Popular SUVs and Crossovers in Aurora
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX with Tech/Entertainment 4WD $1,070 $535 $89
Chevrolet Traverse LS 2WD $848 $424 $71
Ford Escape XLS 2WD $830 $415 $69
Ford Explorer Eddie Bauer AWD $996 $498 $83
GMC Acadia SLT 2WD $978 $489 $82
Honda CR-V EX 4WD $848 $424 $71
Honda Pilot Touring 4WD $996 $498 $83
Hyundai Tucson GLS 2WD $908 $454 $76
Jeep Grand Cherokee Limited 2WD $1,050 $525 $88
Jeep Patriot Limited 2WD $978 $489 $82
Lexus RX 350 4WD $1,192 $596 $99
Subaru Forester X Premium AWP AWD $918 $459 $77
Toyota 4Runner SR/5 2WD $918 $459 $77
Toyota Highlander Limited 4WD $1,070 $535 $89
Toyota RAV4 Sport 2WD $978 $489 $82
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Data based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium amounts do not factor in specific Aurora garaging location which can alter premium rates considerably.

The chart below demonstrates how deductible levels and can change insurance premiums for different insured age categories. The price estimates are based on a single male driver, full coverage, and no additional discounts are factored in.

How to find cheaper Aurora car insurance rates

The recommended way to get the cheapest auto insurance rates in Aurora is to start doing a yearly price comparison from different companies that sell auto insurance in Colorado. You can shop around by following these steps.

  1. Get an understanding of coverages and the steps you can take to keep rates down. Many policy risk factors that result in higher rates like speeding tickets, accidents and a negative credit score can be amended by paying attention to minor details. This article gives the details to get low prices and find overlooked discounts.
  2. Get rate quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only provide price estimates from a single company like Progressive and State Farm, while independent agencies can give you price quotes for many different companies. Start a quote
  3. Compare the quotes to the premium of your current policy to see if a cheaper price is available. If you find a lower rate, ensure coverage does not lapse between policies.
  4. Notify your company or agent of your intention to cancel your current coverage. Submit a down payment and signed policy application to the new insurer. Make sure you store the certificate verifying coverage with the vehicle registration.

The critical component of shopping around is to try to use the same liability limits and deductibles on every price quote and and to analyze as many carriers as you can. Doing this helps ensure a level playing field and the best rate selection.

Aurora, Colorado Car Insurance Company Rankings
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
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Why informed consumers pay lower rates in Aurora

It's important that you understand the rating factors that help determine your auto insurance rates. If you understand what controls the rates you pay, this enables informed choices that may reward you with better auto insurance rates.

The items below are a few of the things that factor into your rates.

High credit score translates to low rates - An insured's credit score can be a huge factor in determining your rates. So if your credit can use some improvement, you could pay less to insure your vehicle by repairing your credit. Consumers who have excellent credit scores tend to file fewer claims than drivers who have lower ratings.

How many coverages with the same company - Most auto insurance companies allow better rates to people that have more than one policy. It's known as a multi-policy discount. If you currently are using one company, drivers will still want to check prices from other companies to ensure the best deal. It's possible to still save more without the discount by insuring with multiple companies.

Do you have a demanding occupation? - Do you work in a high-stress field? Occupational choices like fire fighters, police officers, and emergency personnel usually pay higher premium rates in part from stressful work requirements and long work days. Other careers like actors, athletes and retirees have the lowest average rates.

Do females or males drive better? - Statistics demonstrate women are more cautious behind the wheel. The data does not necessarily mean that women are BETTER drivers than men. Women and men get in at-fault accidents at a similar rate, but the men have costlier accidents. Men also tend to get higher numbers of serious violations like DWI (DUI) or reckless driving.

Do you really need the add-on coverages? - Insurance companies have many extra add-on coverages that can waste your money on your policy. Add-on coverages like replacement cost coverage, towing coverage, and additional equipment coverage may be wasting your money. You may think they are a good idea when discussing your needs, but your money might be better spent on other coverage so remove them and pocket the money.

Pleasure use saves money - The higher the mileage driven in a year's time the more you'll pay to insure your vehicle. Many insurance companies charge rates based upon how much you drive. Vehicles not used for work or commuting can get a lower rate than those used for commuting. Double check that your auto insurance policy correctly shows annual mileage.

What type of car do you drive? - The make and model of the vehicle you need to insure makes a big difference in how high your rates are. Lower cost passenger cars usually have the lowest premiums, but the cost you end up paying is determined by many additional factors.

Your spouse saves you money - Your spouse can actually save you money when buying auto insurance. Having a spouse generally demonstrates drivers are more responsible and it's proven that being married results in fewer claims.