Arvada, CO Auto Insurance | Cheap Car Insurance in Arvada, CO

Arvada, CO auto insurance requires a basic coverage of 25/50/15. Cheap car insurance in Arvada, CO starts at $25/month with Amica. The best Arvada, CO car insurance companies include Farmers, The Hartford, State Farm, Amica, and Allied.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Nov 17, 2020

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Colorado auto insurance requires a base coverage (25/50/15) for all residents (more information below). Some of the best Arvada, CO car insurance companies offer affordable premiums. The companies that offer cheap car insurance in Arvada, CO are Farmers, The Hartford, State Farm, Amica, and Allied. Amica offers drivers searching for Arvada, CO auto insurance $25/month.

One of the first discoveries of gold in the Rocky Mountains happened near Arvada, but prospectors who couldn’t make their fortune in minerals soon began farming the nearby land. Agriculture became a profitable business as gold resources grew scarce. Today, many know Arvada by its nickname, “The Celery Capital of the World”.

Fun fact: does the air seem a little thin up in Arvada? Because this city is #10 on the list of “Top 100 highest located cities (pop. 50,000+)”.

Want cheap auto insurance in Arvada, CO? At, we can help you find affordable auto insurance in Colorado. All you need to do is enter in your postal code in the quote widget down below – it’s that simple!

Auto Insurance Coverage Requirements in Colorado

Driving legally in Arvada requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 15,000 100,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 100 deductible

Technically, you don’t have to purchase any of the coverages or amounts on the right side of the table above to be able to drive in Colorado. However, you’ll likely end up being financially responsible if you cause any sort of accident, get your vehicle stolen, or suffer damage from a severe storm. However, many motorists find that a compromise between the middle and right columns above is an affordable way to protect themselves in many different situations.

Colorado really has some pretty reduced rates. The typical monthly premium for many motorists is about $82. However, Arvada motorists can beat even this low cost – how do you want to pay less than $31/mo*?

Averae Monthly Auto Insurance PremiumsLegend: Arvada Farmers The Hartford State Farm Amica Allied 51015202530354045$36$43$40$25$46


Farmers, Amica, and State Farm are offering reduced Arvada, CO auto insurance rates at this time. But when you are considering switching companies, take some time to discover what else they need to offer. In the end, customer support and efficient claims processing are essential areas of the insurance coverage experience.

Companies that supply insurance coverage evaluate numerous elements while figuring out Arvada, CO auto insurance quotes, particularly gender, where you live, your credit report, education, and business use of the vehicle. On top of that, premiums differ from amongst Arvada, CO auto insurance companies. To make sure you are still paying the lowest-cost fee, compare cheap Arvada motor vehicle insurance premiums on the web.

Enter your ZIP code below to compare auto insurance rates.

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Major Factors in Cheap Auto Insurance in Arvada, Colorado

Each time your vehicle insurance agency gets ready to craft your plan, they take many factors into consideration. A few of these, such as credit history or your particular location, can be improbable to vary. Here are various other examples:

Your ZIP Code

Insurance companies need to know your location (or the place you will probably be driving a vehicle usually) as a way to evaluate the prospect of an accident. The whole thing amounts to a very simple principle: the larger the populace, the greater amount of automobiles there will be on the road, as well as the more chances you could have to hit or even be hit by another car or truck. The population of Arvada is 106,433 and also the common family earnings are $66,378.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Farmers The Hartford State Farm Amica Allied 50100150200250300350$36$390$43$167$40$156$25$84$46$157


Automotive Accidents

Did you know that insurance companies tend to offer their lowest rates to motorists who live in the safest cities? And the roads of Arvada, with its low rate of fatal accidents, makes it one of those safe cities. You may already be getting lower rates automatically.

Fatal Accidents in Arvada, COLegend: Arvada Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 12345678946379


Auto Thefts in Arvada

Acquiring inexpensive automobile insurance can be difficult if you are at risk for auto theft. Certain popular car or truck models are alluring to thieves, as well as automobiles which are left often in huge metropolitan areas. The full amount of thieved cars in 2013 dropped to 207 for Arvada.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Farmers The Hartford State Farm Amica Allied 102030405060708090$36$88$43$79$40$92$25$68$46$71


Your Credit Score

In certain states, you will find car insurance companies that provide clients a rest and charge more sensible rates (for example Countrywide or Allstate within the chart below) for getting a minimal credit ratings. A lot of companies, however, charges you you drastically greater premiums for getting under perfect credit.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Farmers The Hartford State Farm Amica Allied 102030405060$30$69$37$67$30$68$20$46$44$55


Your Age

Serious driving violations makes it difficult, otherwise impossible, to locate affordable Arvada, CO auto insurance. But when you are like the majority of motorists, you most likely have a couple of annoying citations in your record which are making your payments irritatingly costly.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Farmers The Hartford State Farm Amica Allied 50100150200250300350$36$390$43$167$40$156$25$84$46$157


Your Driving Record

Serious driving violations makes it difficult, otherwise impossible, to locate affordable coverage. But when you are like the majority of motorists, you most likely have a couple of annoying citations in your record which are making your payments irritatingly costly.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers The Hartford State Farm Amica Allied 51015202530354045505560657075$36$52$53$49$43$55$57$60$40$54$56$57$25$36$37$37$46$67$75$69


Your Vehicle

If you are likely to buy a costly luxury vehicle, you are going to need to buy a luxury automobile insurance plan to choose it. Anything under high levels of various sorts of coverage (comprehensive, collision, UM/UIM, etc) and you’ll have to assist your insurance provider purchase repairs, damages, hospital bills, or changing your automobile.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Farmers The Hartford State Farm Amica Allied 153045607590105120$36$90$43$113$40$122$25$86$46$79


Minor Factors in Cheap Car Insurance in Arvada, Colorado

Of course, assuming you can control any of the following, you can lower your rate further with:

Your Marital Status

Are you aware that most providers offer huge discount rates for bundling multiple insurance plans together? And married people possess the best chance to benefit from such discount rates. Also it does not visit vehicle insurance – you are able to bundle boat, motorcycle, or homeowner’s guidelines, too.

Your Gender

A long time ago, providers accustomed to charge different monthly rates according to gender. However that is not the situation any longer. Many providers charge both women and men equal rates. Individuals that do charge in a different way only vary their prices by 1-3%.

Your Driving Distance to Work

More than 82% of Arvada residents depend on their own truck or car as their primary means of transportation, which could explain why insurance rates are so high. It might also explain the traffic problems too: average commutes typically last 20-25 minutes, with 30-35 minute commutes also highly likely. Less than 5% of drivers carpool.

If you’re able to avoid insuring your automobile for business use, it’s well worth the effort, since that kind of coverage costs around 10-12% greater than personal-use automobiles. As well as your yearly miles don’t matter around you may think they are doing. A 5,000-mile difference will not improve your premiums by greater than 3-4%.

Your Coverage and Deductibles

Are you aware that modifying your deductible can drastically change your monthly premium? Most motorists will most likely choose to raise their deductible, since it can help to eliminate the price of their monthly repayments. Keep in mind when the worst happens, you’ll have to pay that greater deductible first before your insurance provider will give you any financial help.

Education in Arvada, CO

Nearly 26% of all Arvada residents have earned a high school diploma, while an impressive 20% have also gone on to successfully complete a college degree. If you are a member of this highly educated group, you can use your degree to get lower rates on your insurance policy. The more education you have, the higher the discount you should be eligible for. Contact your provider for details.

There are many different educational opportunities you can pursue if you live in Arvada. At Regis University, you can earn a 4-year degree in one of several fields, or even a master’s in business administration. And for a useful degree in less time, aspiring students might want to look into Red Rocks Community College or Heritage College.

You shouldn’t let an undesirable automobile insurance provider persuade you into purchasing a motor vehicle insurance policy that is not right for you. Sure, the quantity of information required in order to assess your personal risk profile can be overpowering, however comparison internet websites like this might help make your search much easier. Just submit a couple of specifics below, and we’ll take over from there.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Colorado Division of Insurance

Colorado Division of Financial Services

Department of Highway Safety and Motor Vehicles

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