The make and model of vehicle that is being insured is a significant factor when quoting low-cost auto insurance for a school permit. Vehicles with higher performance characteristics, poor safety ratings, or a history of substantial liability claims will cost more to insure than more modest models.
The data below estimates insurance premiums for a selection of the most cost-effective automobiles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $5,161 |
| Honda CR-V LX 4WD | $5,167 |
| Ford Escape Limited 2WD | $5,212 |
| Toyota Prius | $5,587 |
| Ford F-150 XLT Regular Cab 2WD | $5,746 |
| Honda Odyssey LX | $5,753 |
| Dodge Grand Caravan CV | $5,797 |
| Volkswagen Jetta 2.0T Station Wagon | $5,912 |
| Honda Civic DX 4-Dr Sedan | $6,073 |
| Chevrolet Silverado LS Extended Cab 4WD | $6,124 |
| Chevrolet Impala LT | $6,130 |
| Toyota RAV4 Limited 2WD | $6,124 |
| Toyota Camry LE | $6,134 |
| Chevrolet Malibu Hybrid | $6,124 |
| Chevrolet Equinox LS AWD | $6,132 |
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Data rating is based on single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in specific location information which can revise insurance rates considerably.
Based upon the rates shown, you can conclude that models like the Hyundai Elantra, Honda CR-V, and Ford Escape are most likely to be the cheapest vehicles to insure for a learners permit. The price for car insurance will be more costly just because there is more inherent risk for a school permit, but overall those models will tend to have the best rates that you’ll find.
For a learners permit, one of the largest components that help determine the price you pay for insurance is where you live. More densely populated places tend to pay slightly more, whereas less populated areas benefit from lower prices.
The following table sorts the priciest cities in Colorado for a school permit in which to purchase auto insurance. Aurora is listed at #4 with an annual rate of $1,361 for the average insured, which is around $113 each month.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Pueblo | $1,440 |
| 2 | Denver | $1,397 |
| 3 | Lakewood | $1,365 |
| 4 | Aurora | $1,361 |
| 5 | Commerce City | $1,354 |
| 6 | Northglenn | $1,329 |
| 7 | Colorado Springs | $1,329 |
| 8 | Thornton | $1,320 |
| 9 | Centennial | $1,317 |
| 10 | Security-Widefield | $1,304 |
| 11 | Arvada | $1,295 |
| 12 | Littleton | $1,293 |
| 13 | Ken Caryl | $1,287 |
| 14 | Westminster | $1,284 |
| 15 | Parker | $1,270 |
| 16 | Highlands Ranch | $1,267 |
| 17 | Brighton | $1,235 |
| 18 | Castle Rock | $1,211 |
| 19 | Broomfield | $1,203 |
| 20 | Longmont | $1,179 |
| 21 | Boulder | $1,171 |
| 22 | Grand Junction | $1,166 |
| 23 | Greeley | $1,122 |
| 24 | Loveland | $1,107 |
| 25 | Fort Collins | $1,056 |
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Rates are approximated as specific Aurora zip code can revise insurance rates greatly.
The example below shows how different deductible levels can increase or decrease annual premium costs when getting quotes for cheap insurance for a school permit. The rate quotes are based on a single female driver, full coverage, and no policy discounts are applied.
A 50-year-old driver could reduce rates by $334 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $502 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old example, could possibly save $846 or even more just by using higher deductibles.
When using a larger deductible, it is a good idea to have enough savings to satisfy the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
Finding a good quality insurance company is hard considering how many companies there are in Colorado. The ranking data in the lists below may help you decide which providers you want to consider when trying find the best insurance for a school permit. These rankings include companies that insure vehicles across America, so smaller companies that only insure vehicles in Colorado are not taken into consideration for these rankings.
Top 10 Large Auto Insurance Providers in Aurora Ranked by Claims Service
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
- The General
Top 10 Large Auto Insurance Providers in Aurora Ranked by Customer Service
- GEICO
- State Farm
- The Hartford
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
- Nationwide
- Travelers
Get discount Aurora insurance rates
Auto insurance companies that offer quotes for a school permit may also offer price discounts that could lower prices by as much as 35% if you meet specific eligibility requirements. Popular insurance companies and some of their more popular discounts are detailed below.
- Farm Bureau has discounts for renewal discount, 55 and retired, good student, multi-vehicle, driver training, and multi-policy.
- MetLife may offer discounts for multi-policy, good student, accident-free, claim-free, and defensive driver.
- Progressive may include discounts for good student, multi-policy, homeowner, online quote discount, multi-vehicle, and continuous coverage.
- AAA may have discounts that include education and occupation, pay-in-full, multi-car, good student, and anti-theft.
- American Family has savings for defensive driver, air bags, mySafetyValet, early bird, and good student.
- GEICO discounts include air bags, military active duty, multi-vehicle, anti-theft, driver training, and anti-lock brakes.
- State Farm offers discounts including multiple autos, anti-theft, Drive Safe & Save, multiple policy, passive restraint, and good driver.
The example below compares insurance costs with and without discounts applied to the premium. The information is based on a female driver, a clean driving record, no at-fault accidents, Colorado state minimum liability limits, full physical damage coverage, and $1,000 deductibles.
The first bar for each age group shows premium with no discounts. The lower bar shows the rates with paperless filing, paid-in-full, continuous coverage, passive restraint, vehicle safety, and good student discounts applied. When taking advantage of discounts, theamount saved on insurance for a school permit is 28% or $676.
How to find the cheapest car insurance for a school permit
The list below summarizes some thrifty ideas that can help Colorado drivers buy lower-cost auto insurance.
- Buy your auto and home insurance from the same company and save
- Safe vehicles generally have lower rates
- Good credit scores may make rates cheaper
- Maintain a safe distance and avoid accidents
- Do not pay for comprehensive and collision coverage on older vehicles
- Shop around and save
The last idea is certainly important, as was emphasized in this write-up. Car insurance prices in Aurora can change considerably based on profitability, so drivers shouldn’t be resistant to switch carriers if a more affordable rate is found. Staying with the same car insurance company is fine, but we do not recommend it if that stubbornness costs you thousands of dollars over the life of your policy. In just a couple of minutes you could shop around to find cheaper car insurance for a school permit.
If you aren’t sure which coverage you need and prefer to have some professional guidance when comparing insurance rates for a school permit, the agents listed below are a good start to help you determine which is the best policy.
To find an Aurora insurance agent using an interactive map, click the button after the list.
- American Family Insurance – Richard Ahrenkiel
2260 S Xanadu Way Ste 257 – Aurora, CO 80014 – (303) 750-6508 - Bill Mahaffy III – State Farm Insurance Agent
15281 E Smoky Hill Rd – Aurora, CO 80015 – (720) 886-0400 - State Farm Insurance Agency – Jason Hart
15201 E Moncrieff Pl e – Aurora, CO 80011 – (720) 920-9043 - Lawrence Neal – State Farm Insurance Agent
15037 E Colfax Ave k – Aurora, CO 80011 – (303) 340-8849 - Allstate Insurance: Norma Contreras
4272 S Chambers Rd – Aurora, CO 80014 – (303) 699-3327