Aurora, Coloradois only eight miles from Denver and is the third largest city in the state. It was the first city in Colorado to offer a dockless bike-sharing program to encourage residents to try alternative ways to get around. However, the car remains an essential mode of transportation for many residents. Aurora’s average cost of car insurance is $685 for the minimum amount of car insurance required by the state and $2,281 for full coverage.
Car insurance in Aurora is both a legal requirement and a financial investment. Finding ways to save on coverage could free up your monthly budget for other expenses. This analysis of the discount rate examines the best car insurance companies at Aurora based on coverage options, average premiums and customer ratings.
Best car insurance companies in Aurora
Finding the right cover depends on more than cheap car insurance. The right balance between being under and over insured is important. Purchasing the minimum amount of coverage may be acceptable if you drive an older vehicle and don’t own your home, but you may want to consider comprehensive auto insurance and higher limits if you have assets such as a house, a newer car, or savings and investments. Take a look at how rates can vary for the same amount of coverage depending on the carrier.
|insurance company||JD Power Customer Satisfaction Score||Average annual premium for minimum coverage||Average annual premium for full coverage|
|USAA||897 / 1000||$388||$1,349|
|barn||832 / 1000||$390||$1,986|
|car owners||845 / 1000||$537||$1,920|
American National, based in Texas, is on average Aurora’s least expensive car insurance company and offers unique coverages designed to protect you financially. You can add roadside assistance, gap coverage, or ACE insurance, which is short for additional coverage endorsement. The add-on pays for spare parts when your vehicle is damaged. Plus, bundling auto and home insurance can help you save money by sharing the same deductible. If you suffer a home and auto loss at the same time, you will only be liable for one deductible.
USAA would have been our pick for best carrier due to low rates and the highest customer satisfaction ratings of any carrier in the state. However, USAA insurance products are only available to past and current Armed Forces personnel and their families. Military-friendly coverages include discounts for storing a vehicle while deployed or international auto insurance coverage for foreign military members who have shipped their vehicle.
Grange provides current and potential policyholders more than a dozen discounts to save on premiums. To extend your vehicle policy, you can add full glass repair coverage or original equipment manufacturer (OEM) approval to use genuine dealer or manufacturer parts for your car repairs.
Automobile Owners Insurance is highly regarded for the local and personal service provided by its agents. You will find three independent agents in Aurora and 16 others nearby in Denver. Carrier coverages set automobile owners apart. You can add a new car replacement which reimburses you for the purchase of a new vehicle if yours is declared damaged. The Personal Automobile Plus package includes ten types of coverage, including rekeying of locks, cell phone insurance and identity theft protection. And if you’re involved in an accident with another Auto-Owners policyholder, the carrier will waive your collision deductible.
Cheapest car insurance in Aurora
Discount rate average car insurance price the analysis found that Colorado drivers pay $2,016 per year. The cheapest auto insurance companies in aurora charges much less than the state average.
|insurance company||Average annual premium for minimum coverage||Average annual premium for full coverage|
Geico has the cheapest average rates for minimum and comprehensive auto insurance in Aurora. USAA is only available to members affiliated with the military. For comprehensive auto insurance, Auto-Owners offers packages that include multiple coverages. Both State Farm and Farmers are known for their strong local presence with offices throughout the city.
Aurora Insurance Requirements
You will need liability insurance to legally drive in Colorado. However, liability insurance does not cover your vehicle if it needs repairs or replacement after an at-fault accident. Full coverage costs more, but is more comprehensive. The state mandatory auto insurance minimums are:
- $25,000 for death/bodily injury per person per accident
- $50,000 total for accidental death/bodily injury
- $15,000 for property damage per accident
Colorado has a provision for drivers who want to self-insure. Owners of vehicles over 25 years old can apply for a certificate of self-insurance from the National Insurance Commissioner instead of taking out car insurance.
Aurora Car Insurance Discounts
Even if you find coverage you can afford, you may be able to get an additional discount by qualifying for discounts offered by your carrier. You could earn the biggest discounts by using:
- Multiline: If you bundle car insurance and home insurance with the same provider, most carriers will lower your rates for both.
- Forgiveness of accident: You may be able to have an at-fault accident or claim excused from your record to prevent your premiums from increasing.
- Driver tracking: Some carriers offer a discount based on your driving habits if you enroll in their usage-based program. You usually need to download an app that tracks your driving to receive money from your premiums.
- Low mileage: If you work remotely or reduce the use of your vehicle, you could benefit from a reduction by driving less.
You may not be eligible for all discounts, and not all vendors offer the same discount or have the same requirements and savings for similar discounts. Get quotes and talk to an insurance agent to see what type of discount may apply to you.
Frequently Asked Questions
What is the best car insurance company?
The best auto insurance company in Aurora will be up to you. Consider your top priorities with coverage options, discounts, the type of methods you like to contact a provider or file a claim, quotes you get, and other factors to decide which option is best suited.
How much does car insurance cost in Aurora?
The average annual cost of car insurance in Aurora is $685 for minimum vehicle insurance and $2,281 for full coverage.
How much car insurance do I need in Aurora, Colorado?
Aurora drivers require liability insurance of at least $25,000 per person and $50,000 per accident for bodily injury, as well as $15,000 property damage coverage.
Bankrate uses Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates shown are based on a 40-year-old male and female with a clean driving record , good credit and the following complete coverage limits:
- Civil liability of $100,000 in bodily injury per person
- Civil liability of $300,000 in bodily injury per accident
- Civil liability of $50,000 in property damage per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 aggregate deductible
To determine minimum coverage limits, Bankrate has used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.
These are sampling rates and should only be used for comparison purposes. Your quotes may be different.