Best cheap car insurance in Aurora for 2025

Best cheap car insurance companies in Aurora

The average cost of full coverage car insurance in Aurora, CO 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. 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.

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:

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 22 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 city dwellers higher average rates than drivers living in rural areas.

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, the companies below offer the cheapest rates for 16-year-olds and 18-year-olds. 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.

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 $7,297 per year for full coverage and $1,649 per year for minimum coverage. A 25-year-old driver, on the other hand, pays an average of $4,281 for full coverage and $918 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 19 percent less compared to a driver with their own policy. The rates we listed below reflect young drivers with their own car insurance policies:

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 in Aurora, CO might want to get quotes from one (or all) of the providers named below.

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 the below companies offer some of the cheapest rates for 60-year-old and 70-year-old drivers. 

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 the carriers below.

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 $298 per year to an average of $446. Our research found that the average cost of minimum coverage car insurance was also more expensive for drivers with accidents, an average of $94 per year.

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 $476 per year for full coverage and $106 for minimum coverage, about 59 percent more and 79 percent more than average, respectively.

Frequently asked questions

Methodology

Bankrate utilizes Quadrant Information Services to analyze February 2025 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 2023 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 2025 Bankrate Score for auto insurance considers key variables that our insurance editorial team determined impact policyholders’ experiences with an insurance company. These factors include a robust assessment of each company’s cost of coverage, product availability, financial strength ratings, online capabilities and customer and claims support accessibility. We grouped these factors into three essential categories — cost and ratings, coverage and savings, and support — which we then weighted in a tiered approach. 

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.

• Tier 1 (Cost & ratings): To determine how well auto insurance companies satisfy these priorities, our team analyzed 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 National Association of Insurance Commissioners (NAIC). 
• 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 the discount options listed on each company’s 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 in a company’s corporate sustainability efforts.