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Best cheap car insurance in Aurora for 2024
Powered by Coverage.com (NPN: 19966249)
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
Best cheap car insurance companies in Aurora
The average cost of full coverage car insurance in Aurora is 11 percent more than the Colorado average, which may make finding affordable coverage a challenge. After analyzing average rate data from Quadrant Information Services, Bankrate found the cheapest providers in the city for full coverage are American National, Geico and USAA. But with car insurance, price isn’t everything. The providers we named as the best in Aurora offer competitive rates and strong customer satisfaction ratings from J.D. Power, high third-party financial strength ratings, policy customization options and a Bankrate Score over 4.0.
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Geico made our list: Geico boasts relatively low average rates and a robust lineup of digital tools and conveniences, all of which helped it win three Bankrate Awards: Best Auto Insurance Company Overall (tie), Best Budget Auto Insurance Company (tie) and Best for Young Drivers. Drivers can find most standard types of auto coverage with Geico, and the company offers several discounts to eligible drivers. However, the company has limited add-on coverage options compared to other national insurers.
Why Geico may be best for discounts: Geico’s industry-leading list of discounts spans five categories: vehicle equipment, driving history and habits, driver’s education, driver affiliation and customer loyalty. In total, Geico advertises 15-plus different discounts. Together with its low average rates, Aurora drivers on a stricter budget may find significant savings with Geico.
| Bankrate Score | 4.4 |
| J.D. Power | 804/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why Auto-Owners made our list: Auto-Owners made a showing at our 2024 Bankrate Awards, tying for the title of Best Budget Auto Insurance Company. It earned an above-average spot in the J.D. Power 2023 Auto Claims Satisfaction Study, which signals that its policyholders are pleased with how the company handles claims. Auto-Owners also offers a good variety of policy customization options for drivers who want to build out their coverage. Policyholders can purchase gap insurance, roadside assistance, at-fault accident forgiveness and other endorsements.
Why Auto-Owners may be best for working with a local agent: Auto-Owners is a regional insurer that writes policies in 26 states, Colorado among them. Online quotes are not available from Auto-Owners; instead, the company operates exclusively through a network of local agents. Auto-Owners could be a good choice for Aurora drivers who prefer to have “a guy” in their area to help them handle their insurance policy.
| Bankrate Score | 4.3 |
| J.D. Power | 808/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why State Farm made our list: As the largest car insurance provider in the country, State Farm’s reach and resources are impressive. It was ranked first for customer satisfaction in the Southwest region (which includes Colorado) of the J.D. Power U.S. Auto Insurance Study and above average in the U.S. Auto Claims Satisfaction Study. State Farm offers a healthy list of discounts in addition to its competitive rates.
Why State Farm may be best for policy management options: State Farm boasts a strong network of local Aurora agents in addition to highly-rated digital tools. Its digital interfaces were ranked above average in the 2023 J.D. Power U.S. Insurance Digital Experience Study — one of the only insurers to score highly in the service and shopping category. Having robust policy management options is especially important at a company like State Farm, where customers can purchase multiple insurance lines like life, home, renters and more. Although State Farm is known for quality customer service, it is not available 24/7.
| Bankrate Score | 4.3 |
| J.D. Power | 835/1,000 |
| AM Best score | A++ |
Bankrate Score
Avg. min coverage premium
Min. coverage
Avg. full coverage premium
Full coverage
Why USAA made our list: USAA offers below-average premiums in many situations but is restricted to current and former military and their qualifying family members. Eligible drivers may choose from a pool of standard coverage types, as well as several military-focused coverage options. Although limited in terms of eligibility, the company does have a history of scoring well on customer satisfaction. Its eligibility requirements preclude it from J.D. Power rankings, but it did earn the highest score for Colorado in the 2023 U.S. Auto Insurance Study.
Why USAA may be best for military-focused coverage: Drivers stationed at Buckley Air Base may be interested in USAA’s military-focused coverage, such as a discount for on-base military members. USAA also offers a generous discount of up to 60 percent for deployed military members.
| Bankrate Score | 4.2 |
| J.D. Power | 879/1,000 |
| AM Best score | A++ |
Bankrate Score
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Min. coverage
Not available
Avg. full coverage premium
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Not available
Why American Family made our list: American Family, or AmFam for short, was ranked above average in the 2023 J.D. Power U.S. Auto Claims Satisfaction Study and in the Southwest Region of the 2023 U.S. Auto Insurance Study, which indicate high-quality customer service. It also earned the highest score in the shopping category of the U.S. Insurance Digital Experience Study, implying that AmFam’s online quoting process is straightforward.
Why American Family may be best for customized policies: Drivers who want to go beyond a full coverage policy and want the opportunity to tailor their coverage to their needs may be interested in AmFam. Roadside assistance, gap insurance and rental car reimbursement are all available along with a couple of savings programs. The Diminishing Deductible program allows drivers with a 12-month policy to lower their collision and comprehensive deductible by $100 every year up to the full deductible amount, and the KnowYourDrive telematics program can knock off up to 20 percent of their premium.
| Bankrate Score | 4.2 |
| J.D. Power | |
| AM Best score | A |
Bankrate's trusted insurance industry expertise
Read our full methodologyIn order to give you the most up-to-date information about Aurora car insurance rates, Bankrate gathers and refreshes our rates from Quadrant Information Services every single month. This way, you know that what you see on our pages is a more accurate representation of the average cost of car insurance in a particular ZIP code and that the companies we highlight as the best or cheapest offer competitive rates.
46
years of industry experience
122
carriers reviewed
34.5K
ZIP codes examined
1.2M
quotes analyzed
The cheapest car insurance companies in Aurora
The cheapest companies in Colorado as a whole may not be the same as the cheapest ones in Aurora. Aurora is a suburb of Denver and the third-largest city in the state. It’s common for a state’s larger cities to have higher car insurance rates and different insurance needs. As such, some providers’ underwriting methods may result in more favorable rates in cities than others. Based on our research, these five companies offer the cheapest car insurance in Aurora on average:
| Insurance company | Average annual min coverage premium | Average annual full coverage premium |
|---|---|---|
|
American National
|
$288
|
$1,459
|
|
$333
|
$1,704
|
|
|
$441
|
$1,865
|
|
|
$784
|
$2,453
|
|
|
$409
|
$2,637
|
How much is car insurance in Aurora, Colorado?
Full coverage car insurance in Aurora costs $11 percent more than the average cost in Colorado, while minimum coverage in Aurora costs $23 percent more. This is a pretty common trend with most states’ larger cities, as cities tend to see more traffic congestion and vehicle theft — both of which may lead to expensive insurance claims. For example, Aurora has the second-highest rate of vehicle theft in Colorado, despite recent declines in overall numbers. To balance out future potential claims, insurers tend to charge higher average rates to city dwellers.
However, much of your car insurance costs will depend on a variety of personal rating factors, one of which is a driver’s age. To help drivers across multiple age groups find affordable coverage, Bankrate found the cheapest providers for everyone from a freshly-licensed teen to a soon-to-be retiree.
Aurora rates for teens
The average cost of car insurance in Aurora for a teen driver will likely be higher than any other age group. This is largely due to their inexperience behind the wheel and higher accident likelihood. Drivers aged 15 to 19 make up just 4 percent of all motorists, but the fatal crash rate for that age group is nearly three times higher than it is for drivers in their twenties. Insurers tend to charge teens more money for their car insurance to account for the added risk. According to our research, American National and Geico offer the cheapest rates for 16-year-olds with full coverage, while American National and Geico have the lowest average full coverage rates for 18-year-old drivers. Teen motorists may find more savings with some teen-specific car insurance discounts, like one for good grades or enrolling in a driver safety course.
The rates in the tables below reflect teen drivers who are still on their parents’ policies.
| Insurance company | 16-year-old* | 18-year-old* |
|---|---|---|
|
American National
|
$3,422
|
$1,886
|
|
$3,837
|
$3,236
|
|
|
$4,314
|
$3,261
|
|
|
$5,785
|
$5,498
|
|
|
$6,380
|
$5,093
|
Aurora rates for young drivers
Drivers in their early and mid-twenties tend to see more favorable rates than teen drivers, but they still tend to be on the higher side. On average, a 20-year-old driver in Aurora pays $7,129 per year for full coverage and $1,707 per year for minimum coverage. A 25-year-old driver, on the other hand, pays an average of $4,106 for full coverage and $883 for minimum coverage each year.
Younger drivers looking for car insurance savings may want to think about staying on their parents’ insurance policy, if possible, as it will typically yield a cheaper rate. In Aurora, a 20-year-old driver on their parents’ pays an average of $23 percent less compared to a driver with their own policy. The rates we listed below reflect young drivers with their own car insurance policies:
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
American National
|
$644
|
$331
|
|
$982
|
$597
|
|
|
$1,016
|
$384
|
|
|
$1,076
|
$333
|
|
|
$1,756
|
$1,070
|
| Insurance company | 20-year-old | 25-year-old |
|---|---|---|
|
American National
|
$2,752
|
$1,701
|
|
$3,914
|
$2,514
|
|
|
$4,274
|
$1,861
|
|
|
$5,610
|
$3,534
|
|
|
$6,347
|
$3,898
|
Aurora rates for adults
Once a driver is in their thirties, forties or fifties, car insurance rates tend to gradually decline (especially if they’ve maintained a clean driving record). You may notice that the rates for a 40-year-old driver in Aurora are the same as the citywide average car insurance cost. That is because our base rate profile represents a 40-year-old driver with good credit and a clean driving record. Adult drivers looking for cheap car insurance companies might want to get quotes from one (or all) of the providers named below:
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
American National
|
$303
|
$288
|
$267
|
|
$319
|
$409
|
$403
|
|
|
$336
|
$333
|
$333
|
|
|
$488
|
$441
|
$429
|
|
|
$700
|
$632
|
$592
|
| Insurance company | 30-year-old | 40-year-old | 50-year-old |
|---|---|---|---|
|
American National
|
$1,627
|
$1,459
|
$1,383
|
|
$1,710
|
$1,704
|
$1,643
|
|
|
$2,077
|
$1,865
|
$1,751
|
|
|
$2,436
|
$2,637
|
$2,468
|
|
|
$2,520
|
$2,453
|
$2,269
|
Aurora rates for senior drivers
As drivers reach their senior years, they may see their rates begin to climb back up again. Senior drivers are more prone to aging-related characteristics like worsened eyesight and slowed reaction times, which increase the chance of a car accident. Because the risk of insuring an older driver is slightly higher, they tend to pay slightly higher rates. However, Bankrate’s research found that American National and Geico are the cheapest companies on average for 60-year-old drivers looking for minimum coverage, while American National and California Casualty have the lowest rates for a 70-year-old Aurora driver.
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
American National
|
$265
|
$360
|
|
$340
|
$502
|
|
|
$367
|
$416
|
|
|
$444
|
$517
|
|
|
$563
|
$651
|
| Insurance company | 60-year-old | 70-year-old |
|---|---|---|
|
American National
|
$265
|
$1,383
|
|
$340
|
$1,976
|
|
|
$444
|
$1,904
|
|
|
$731
|
$2,735
|
|
|
$367
|
$2,597
|
The cheapest car insurance in Aurora by driving record
Age is just one factor in the complicated process of how your car insurance rates are determined. Your driving history is another one. An insurance rate is, at its core, a calculation of risk — the level of risk a driver has of filing a claim that costs an insurance company money, the higher their rate will likely be. Drivers with a speeding ticket, at-fault accident, DUI or other driving infraction on their record are seen by an insurer as more likely to drive dangerously and will most likely have a higher average cost of insurance.
Finding car insurance in your budget can be challenging with an infraction on your record, but it’s not impossible. Bankrate’s insurance editorial team has rounded up the cheapest car insurance companies in Aurora for drivers with flawed driving records.
Car insurance with a speeding ticket in Aurora
An Aurora driver with a speeding ticket pays an average of $23 percent more for full coverage and $25 percent more for minimum coverage compared to a driver with a clean record. But according to our research, drivers with a speeding ticket may find below-average minimum coverage rates from American National and Geico. Or, those looking for full coverage may want to get a quote from American National, Geico and USAA.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
American National
|
$349
|
$1,644
|
|
$382
|
$2,061
|
|
|
$554
|
$2,329
|
|
|
$685
|
$3,999
|
|
|
$817
|
$5,374
|
Car insurance after an accident in Aurora
Having an at-fault accident on your record in Aurora can raise your full coverage car insurance rate from $272 per year to an average of $397. Our research found that the average cost of minimum coverage car insurance was also more expensive for drivers with accidents, an average of $88 per year.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
American National
|
$349
|
$1,644
|
|
$493
|
$2,741
|
|
|
$697
|
$2,754
|
|
|
$785
|
$4,460
|
|
|
$1,116
|
$6,384
|
Car insurance after a DUI in Aurora
Drivers with a DUI may struggle to find any coverage, let alone a cheap policy. A DUI is a serious driving offense, and not all insurers will agree to write a policy for a driver with a DUI on their record. In Colorado, you may need to find an insurer to file an SR-22 certificate on your behalf with the Colorado Department of Motor Vehicles if your license was suspended following the DUI.
Bankrate’s research shows that an Aurora driver with a DUI pays an average of $467 per year for full coverage and $109 for minimum coverage, about 71 percent more and 94 percent more than average, respectively.
| Insurance company | Average min coverage rate | Average full coverage rate |
|---|---|---|
|
American National
|
$472
|
$2,014
|
|
$708
|
$3,253
|
|
|
$735
|
$4,971
|
|
|
$988
|
$5,200
|
|
|
$1,046
|
$4,261
|
Minimum coverage requirements in Aurora
Aurora drivers are expected to adhere to Colorado’s minimum coverage car insurance laws. This means that all car insurance policies must have at least these coverage limits:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $15,000 property damage liability
A minimum coverage car insurance policy can be an attractive option for drivers on a tight budget, but it is something of a give-and-take. Minimum coverage car insurance will almost always cost less than a full coverage policy, but that means a driver assumes more financial risk after an accident. Minimum coverage car insurance only pays for the damage you cause in an accident if you are found at fault. If you were found at fault, but your vehicle also sustained damage, you would need to pay for those repairs out of pocket unless your policy includes collision and comprehensive coverage (aka full coverage).
Working with a licensed insurance agent can help you balance your budget with the amount of coverage you need in order to be financially protected.
Frequently asked questions
Methodology
Bankrate utilizes Quadrant Information Services to analyze July 2024 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a single, 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2022 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should only be used for comparative purposes.
Incidents: Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket and single DUI conviction.
Age: Rates were calculated by evaluating our base profile with the ages 16-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations.
Teens: Rates were determined by adding a 16- or 18-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
Bankrate Scores
Our 2024 Bankrate Score considers variables our insurance editorial team determined impact policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.
Each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. Our scoring model provides a comprehensive view, indicating when companies excel across several key areas and highlighting where they fall short.
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Cost & ratings 50%
-
Coverage & savings 30%
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Support 20%
- Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, average quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best, Demotech and the NAIC, were analyzed.
- Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
- Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.
