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

Aurora, CO auto insurance costs $167 per month on average. Car insurance in Aurora, CO can be cheaper than average, depending on factors that determine car insurance rates. The most significant factors that affect Aurora, CO car insurance are age, credit history, driving record, and vehicle. Deductibles and education levels have a small impact on auto insurance in Aurora, CO. Compare multiple companies and shop around to save money on Aurora, CO auto insurance rates.

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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

UPDATED: Nov 17, 2020

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Can't-Miss Facts

  • Aurora, CO auto insurance costs $167 per month.
  • The cheapest Aurora, CO, car insurance company is Farmers.
  • The most significant factors determining auto insurance in Aurora, CO, are age, driving record, vehicle, and credit score.
  • Aurora, CO auto insurance is expensive because of the increased risk of accidents.

Cheap auto insurance in Aurora, CO, is provided by Farmers—one of the best Aurora, CO, auto insurance companies with rates as low as $45 per month. It’s possible that your auto insurance rates could vary. 

As you go through this guide, you’ll see how auto insurance in Aurora, CO varies due to different factors that affect auto insurance rates. Even the education level has a small impact on your Aurora, CO car insurance. Continue reading to see how you can secure cheap car insurance in Aurora, CO.

Ready to buy Aurora, CO auto insurance? You can compare cheap Aurora, CO, auto insurance by entering your ZIP code in the FREE comparison tool above.

What is the average Aurora, CO auto insurance cost per month?

Before we roll into more details on factors that change Aurora, CO auto insurance, let’s review the average monthly cost of auto insurance in Aurora, CO. In addition to Aurora’s average, we’ll compare Colorado’s average cost and the national average cost.

Aurora, CO Average Monthly Auto Insurance Rate vs. Colorado and National Average
Aurora, CO Average Monthly Auto Insurance RateColorado Average Monthly Auto Insurance RateNational Average Monthly Auto Insurance Rate
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There’s a difference of approximately $20 between Aurora, CO, and the state average. You push the savings even higher, depending on your level of coverage. Continue reading to learn more about how lower auto insurance through the minimum coverage options.

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Aurora, CO Auto Insurance Coverage Requirements

You can see the legal minimums and the most common types and amounts of coverage in the chart below.

Colorado Minimum Auto Insurance Requirements
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
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Colorado auto insurance requires all drivers to carry 25/50/15 in liability coverage. However, we recommend more than the Aurora, CO auto insurance minimum, or you may find yourself in trouble if you have an accident.

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.

Cheapest Aurora, CO Auto Insurance Companies

Most Colorado drivers are probably paying around $147 per month for their auto coverage. But Aurora, CO drivers can get discounted premiums for as low as $56 per month, depending on the car insurance company. All you have to do is keep reading this article for tips on collecting auto insurance discounts.

Aurora, CO Average Monthly Auto Insurance Rates by CompanyLegend: Aurora Farmers The Heartford State Farm Amica Allied 510152025303540455055$45$51$54$52$57

The Hartford, Farmers, and Amica provide 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. Also, 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.

Major Factors in Cheap Auto Insurance in Aurora, Colorado

Car insurance companies take numerous factors into account when crafting an auto insurance policy. Unfortunately, many of these elements are difficult or impossible to change. Explore the different aspects below to learn more.

Your ZIP Code

The cheapest car insurance is 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.

Aurora, CO Average Monthly Auto Insurance Rates by CityLegend: Denver Colorado Springs Aurora Fort Collins Lakewood Farmers The Heartford State Farm Amica Allied 510152025303540455055$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 have higher insurance rates.

Aurora, CO Fatal Accident StatisticsLegend: Aurora Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 510152025303540451832519454

Auto Thefts in Aurora

Auto theft is a major problem, especially in densely populated cities. If your location and vehicle model put you at a greater risk for theft, you may have trouble finding low-cost car insurance.

According to the latest FBI statistics, the total number of stolen vehicles in Aurora was 2,210 in 2018, a significant spike from previous years. If you are concerned about auto theft, protect yourself by adding or increasing your Comprehensive coverage.

Aurora, CO Average Monthly Basic vs. Comprehensive Auto Insurance RatesLegend: Basic Coverage Comprehensive Coverage Farmers The Heartford State Farm Amica Allied 153045607590105120135150$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).

Aurora, CO Average Monthly Auto Insurance Rates by Credit ScoreLegend: Excellent Credit Poor Credit Farmers The Heartford State Farm Amica Allied 1020304050607080$30$80$38$70$39$78$33$79$51$64

Why do auto insurance companies go by credit score when determining rates? According to the Federal Trade Commission, car insurance companies correlate your credit history with your chances of filing a claim. The better your credit, the less risk the auto insurance company has to take when insuring you.

Your Age

Did you know that some companies will charge teenage drivers up to 300 percent 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.

Aurora, CO Average Monthly Auto Insurance Rates by AgeLegend: 34-Year-Old Driver 17-Year-Old Driver Farmers The Heartford State Farm Amica Allied 50100150200250300350$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.

Aurora, CO Average Monthly Auto Insurance Rates by Make/ModelLegend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers The Heartford State Farm Amica Allied 20406080100120140160$45$87$51$124$54$140$52$140$57$167

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.

Aurora, CO Average Monthly Auto Insurance Rates by Make/ModelLegend: 2015 Honda Accord 2012 Porche Boxster Spyder Farmers The Heartford State Farm Amica Allied 20406080100120140160$45$87$51$124$54$140$52$140$57$167

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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 and females. And those who do rarely charge more than one to two percent.

Your Driving Distance to Work

The average commute for Aurora, CO, workers can last anywhere from 25 to 34 minutes each trip. Carpool rates vary in some areas between 12 and 20 percent, but the highest carpooling rates occur for residents living in the city’s northern and southern parts.

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 two to three percent difference in monthly premiums. Business vehicles, on the other hand, can be charged ten percent 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, it can increase your expenses in the short term if 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, CO.

Determining your 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.

Other Aurora, CO Facts You Should Know

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.

Did you know that Aurora is #5 on the list of “Top 101 cities with the largest percentage of females in law enforcement? Aurora, CO, is in the top 25 of many different items that car insurance companies consider. Let’s examine a list of those items.

  • Aurora, CO, ranks fourth in “Cities with the Most DUIs.
  • Toyota Camry is the most popular car in Aurora, CO.
  • Aurora, CO, is ranked 14th in “Cities with the Most Speeding Tickets.
  • In “Cities with the Most Moving Violations,” Aurora, CO, comes in at number eight.
  • Aurora, CO, is number 14 in “Cities with the Most Suspended Licenses.”

Since Aurora, CO, is so close to Denver, the population is likely higher than average. Therefore, the chances of accidents are higher. Also, it explains why car insurance in Aurora, CO, is so expensive.

Aurora, CO Auto Insurance | Cheap Car Insurance in Aurora, CO: The Bottom Line

We calculated our average auto insurance rates 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.

Use our FREE online quote tool to find cheap Aurora, CO, car insurance. Enter your ZIP code below to compare affordable Aurora, CO auto insurance today.

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Frequently Asked Questions: Aurora, CO Auto Insurance | Cheap Car Insurance in Aurora, CO

Let’s recap what you’ve learned in a few frequently asked questions. These answers will refresh what you’ve learned. They will also give you more confidence when you’re shopping for car insurance in Aurora, CO.

#1 – How much does car insurance cost in Aurora?

The average cost of car insurance in Aurora, CO, is $167 per month.

#2 – How does where I live affect my auto insurance rates?

Aurora, CO, is a suburban area known for its proximity to Denver, CO. Because of the dense population, your chances of an accident increase a higher average. Auto insurance companies consider that when issuing your auto insurance rates.

#3 – How can I get the cheapest auto insurance in Aurora, CO?

The best way to get cheap Aurora, CO auto insurance is to comparison shop. Use one of the FREE AutoInsuranceEZ tools to compare car insurance in Aurora, CO, to secure cheap rates.

#4 – Who offers the cheapest auto insurance in my area?

According to our research, Farmers is the cheapest car insurance company in Aurora, CO.


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