Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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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…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Aug 10, 2020

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Cheap car insurance in Aurora, CO is offered by Farmers with rates as low as $45 per month. Colorado auto insurance requires all drivers carry 25/50/15 in liability coverage. However, we recommend carrying more than the Aurora, CO auto insurance minimum or you may find yourself in trouble if you have an accident.

Aurora is a very popular suburb of Denver. It also has roots in military history, with both the former Army hospital Fitzsimons and the former Lowry Air Force Base having been located there. Additionally, the University of Colorado Denver has a medical campus in Aurora. Find more info on car insurance Colorado below.

Fun fact: Did you know that Aurora is #5 on the list of “Top 101 cities with largest percentage of females in occupations: Law enforcement workers including supervisors (population 50,000+)”?

In the market for cheap auto insurance in Aurora, CO? At, you can find the affordable Aurora, CO auto insurance near you. To obtain free car insurance quotes from the major providers today, key your ZIP code into the quote box on this page.

Auto Insurance Coverage Requirements in Colorado

In the chart below, you can see the legal minimums as well as the most common types and amounts of coverage:

CoverageRequirementsMost Common
Bodily Injury Liability25,000/50,000100,000/300,000
Property Damage Liability15,000100,000
Uninsured Motorist Bodily InjuryNot required100,000/300,000
Medical PaymentsNot required5,000
CollisionNot required500 deductible
ComprehensiveNot required100 deductible

While you may only be required to purchase Liability coverage, keep in mind that this won’t protect you financially in every situation. And depending on how you are paying for your car, you might have no choice but to purchase additional coverage. Some lenders require it for financed vehicles.

Most Colorado drivers are probably paying around $130 per month for their auto coverage. But Aurora drivers can get discounted premiums for as low as $56/mo*. All you have to do is keep reading this article for tips on collecting automotive insurance discounts.

Average Monthly Auto Insurance Premiums Legend: Aurora Farmers The Heartford State Farm Amica Allied 5 10 15 20 25 30 35 40 45 50 55 $45 $51 $54 $52 $57

The Hartford, Farmers, and Amica are offering the lowest Aurora, CO auto insurance rates right now. However, low rates aren’t everything. Sometimes it’s worth a few extra dollars per month to sign up with a company that has high customer and claims service ratings.

Auto insurance carriers evaluate different elements when establishing insurance quotes, including driving violations, accident claims, credit score/rating, education, and business use of the vehicle. In addition, premiums vary among Aurora, CO auto insurance companies. To make sure you’re still receiving the cheapest rate, compare Aurora, CO auto insurance quotes online.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Major Factors in Cheap Car Insurance in Aurora, Colorado

Insurance companies take numerous factors into account when crafting an auto insurance policy. Unfortunately, many of these elements are difficult or impossible to change, such as your gender or the make/model of your car. Other factors your car insurance company may consider include:

Your ZIP Code

The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Aurora is 345,803 and the median household income is $49,142.

Auto Insurance by ZIP Code Legend: Denver Colorado Springs Aurora Fort Collins Lakewood Farmers The Heartford State Farm Amica Allied 5 10 15 20 25 30 35 40 45 50 55 $43 $40 $45 $30 $42 $47 $45 $51 $41 $50 $51 $45 $54 $39 $48 $51 $45 $52 $37 $52 $56 $48 $57 $41 $52

Automotive Accidents

Because Aurora is a fairly large city, it should come as no surprise that the accident statistics in the chart above are as high as they are. The unfortunate truth is that areas with lots of accidents tend to also have higher insurance prices.

Fatal Accidents in Aurora, CO Legend: Aurora Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 5 10 15 20 25 30 35 40 45 18 32 5 19 45 4

Auto Thefts in Aurora

Auto theft is a major problem, especially in densely populated cities. If your location and/or vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance. The total number of stolen vehicles in Aurora was 1,000 in 2013, which is a significant spike from previous years. If you are concerned about auto theft, protect yourself by adding or increasing your Comprehensive coverage.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage Farmers The Heartford State Farm Amica Allied 15 30 45 60 75 90 105 120 135 150 $45 $106 $51 $111 $54 $139 $52 $164 $57 $104

Your Credit Score

If you are worried about your credit score, take a close look at the chart below. The lower your credit score, the more it will adversely influence your monthly premiums. Drivers with excellent credit can enjoy exceptionally low rates, while poor credit motorists can end up paying twice as much (or more).

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit Farmers The Heartford State Farm Amica Allied 10 20 30 40 50 60 70 80 $30 $80 $38 $70 $39 $78 $33 $79 $51 $64

Your Age

Did you know that some companies will charge teenage drivers up to 300% more for insurance than someone twice their age? It all has to do with their overall lack of driving experience. Because of their inexperience, they are much more likely to get into an accident.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old Farmers The Heartford State Farm Amica Allied 50 100 150 200 250 300 350 $45 $392 $51 $174 $54 $145 $52 $192 $57 $160

Your Driving Record

Did you know that some providers offer a discount called “Accident Forgiveness”? If you have minor violations, such as a speeding ticket or a fender-bender sullying your driving record, you may be able to lower your premiums with such a discount.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Farmers The Heartford State Farm Amica Allied 15 30 45 60 75 90 105 120 135 $45 $47 $55 $49 $51 $48 $57 $61 $54 $50 $50 $54 $52 $61 $149 $53 $57 $62 $100 $77

Your Vehicle

Luxury vehicles are much more expensive to insure than your standard, run-of-the-mill compact sedan. This is true both because of expensive replacement/repair costs, and because they require much more comprehensive coverage.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers The Heartford State Farm Amica Allied 20 40 60 80 100 120 140 160 $45 $87 $51 $124 $54 $140 $52 $140 $57 $167

Minor Factors in Cheap Auto Insurance in Aurora, Colorado

Did you know that the following factors can also influence your monthly rate?

Your Marital Status

Did you know that married couples can significantly lower their premiums by bundling their policies with the same company? Of course, you have to make sure you’re insured by the same provider first. And if that insurance company also does homeowner’s or renter’s insurance, you can save even more.

Your Gender

Guess what? Gender isn’t as significant of a factor as it used to be when determining monthly premiums. Most companies these days don’t even charge different rates for males vs. females, all other factors being equal. And those who do rarely charge more than 1-2%.

Your Driving Distance to Work

For most workers in Aurora, the average commute can last anywhere from 25-34 minutes each trip. Carpool rates vary in some areas between 12-20%, but the highest rates of carpooling occur for residents living on the northern and southern parts of the city.

Some insurance providers might make a big deal about how many miles you drive, or your purpose for driving. In truth, these differences in driving habits make no more than a 2-3% difference in monthly premiums. Business vehicles, on the other hand, can be charged 10% higher rates or more.

Your Coverage and Deductibles

Would you like more than the bare minimum coverage on your vehicle, but don’t want to pay the full-coverage premiums? Talk to your provider about raising your deductible. Yes, in the short term it can increase your expenses should you need to file a claim. But you can save each month over the long term.

Your Education

If you don’t want to pay outrageous prices for Aurora car insurance, you might want to consider expanding your education. It’s a proven fact that insurance companies usually give lower rates to drivers with a bachelor’s degree or higher, regardless of profession or salary. In Aurora, most motorists have completed a high school education or some equivalent.

There are quite a few educational options available for those interested in starting a degree program or going back to school. There are private options, such as Anthem College or Concorde Career College. For an associate’s degree, there is also the Community College of Aurora or Pickens Technical College. Moreover, the University of Colorado Denver has a medical campus in Aurora.

Determining your individual financial risk can be very difficult or impossible for the typical insurance shopper. Insurance companies have an advantage over consumers due to their statistics and experiential knowledge. Learn what insurance companies don’t want you to know.

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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