Wouldn’t it be great if we could wave our magic wand and tell you that one perfect company that has the lowest car insurance rates for teachers? Unfortunately, it’s not that simple as there are a whole bunch of unknown factors like if you have a tendency to get pulled over, if you want full coverage, the miles you drive each year, and where you live in Aurora, that all influence how much you pay for auto insurance. This article goes into detail about the different ways you can keep rates low and educate you enough to have a good beginning to your quest for cheaper car insurance in Colorado.
Establishing which companies have the cheapest auto insurance rates for teachers calls for more time in order to find the lowest price quote. Every insurance provider uses different criteria for determining rates, so we’ll go over the most affordable auto insurance companies in Colorado.
Keep in mind that Colorado auto insurance rates are calculated based on many things that can increase the cost of coverage. Improving your credit rating, buying a different home, or getting a few speeding tickets may cause policy rate changes that can make some companies more affordable than the competition.
Find Cheaper Auto Insurance for Educators
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $825 |
| 2 | Grange | $978 |
| 3 | USAA | $1,039 |
| 4 | Nationwide | $1,121 |
| 5 | GEICO | $1,141 |
| 6 | Auto-Owners | $1,168 |
| 7 | Travelers | $1,183 |
| 8 | State Farm | $1,246 |
| 9 | American Family | $1,275 |
| 10 | Progressive | $1,336 |
| 11 | Amica | $1,394 |
| 12 | California Casualty | $1,458 |
| 13 | Allied | $1,483 |
| 14 | Farmers | $1,565 |
| 15 | Colorado Farm Bureau | $1,592 |
| 16 | MetLife | $1,830 |
| 17 | Allstate | $2,015 |
| 18 | Encompass | $2,165 |
| 19 | Safeco | $2,472 |
| 20 | Titan | $2,657 |
| Compare Rates Now Go | ||
The Hartford quotes some of the most affordable car insurance rates in Aurora at around $825 per year. Grange, USAA, Nationwide, and GEICO also qualify as some of the best Aurora, CO car insurance companies.
As depicted above, if you have coverage with GEICO and switched to Grange, you may see annual savings of upwards of $163. Policyholders with Auto-Owners could save as much as $190 a year, and Travelers policyholders might realize rate reductions of up to $205 a year.
To find cheaper insurance rates for your vehicle, click here to start a quote or click through to the companies below.
These rates are averaged for all insureds and vehicles and and are not figured with an exact vehicle garaging location for teachers. So the car insurance company that can offer the best rates for your situation may not even be in the top 21 companies shown above. That illustrates why you need to compare prices as often as possible using your own driver data and vehicle information.
For teachers and educators, one of the big factors that are looked at to help calculate the price you pay for insurance is where you live in Aurora. Areas with more people or higher crime rates will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.
The information below ranks the most expensive cities in Colorado for teachers in which to buy car insurance. Aurora makes the list at #2 with a yearly cost of $1,403 for the average policy, which is about $117 monthly.
| Rank | City | Annual Premium |
|---|---|---|
| 1 | Pueblo | $1,412 |
| 2 | Aurora | $1,403 |
| 3 | Denver | $1,383 |
| 4 | Commerce City | $1,368 |
| 5 | Lakewood | $1,365 |
| 6 | Security-Widefield | $1,330 |
| 7 | Northglenn | $1,329 |
| 8 | Ken Caryl | $1,326 |
| 9 | Colorado Springs | $1,316 |
| 10 | Arvada | $1,308 |
| 11 | Centennial | $1,304 |
| 12 | Littleton | $1,293 |
| 13 | Westminster | $1,284 |
| 14 | Brighton | $1,273 |
| 15 | Thornton | $1,268 |
| 16 | Castle Rock | $1,248 |
| 17 | Parker | $1,233 |
| 18 | Highlands Ranch | $1,229 |
| 19 | Broomfield | $1,203 |
| 20 | Boulder | $1,171 |
| Compare Prices Now Go | ||
Price information shown is estimated as specific location information can affect coverage rates noticeably.
Get discounts on Aurora car insurance
Insurers that offer cheap quotes for teachers may also give you rate discounts that can reduce rates by as much as 35% or more if you qualify for them. Companies and some of the discounts include:
- Progressive offers discounts for continuous coverage, online quote discount, multi-policy, online signing, good student, homeowner, and multi-vehicle.
- Farmers Insurance may include discounts for homeowner, multi-car, electronic funds transfer, pay in full, business and professional, and mature driver.
- Farm Bureau offers premium reductions for driver training, safe driver, multi-vehicle, renewal discount, multi-policy, good student, and 55 and retired.
- State Farm has discounts for defensive driving training, good student, anti-theft, accident-free, Steer Clear safe driver discount, and multiple autos.
- GEICO policyholders can earn discounts including emergency military deployment, daytime running lights, federal employee, multi-vehicle, military active duty, membership and employees, and seat belt use.
- SAFECO offers discounts including teen safe driver, homeowner, teen safety rewards, anti-theft, safe driver, bundle discounts, and multi-car.
- Liberty Mutual may have discounts that include new move discount, multi-policy, hybrid vehicle, multi-car, newly married, new graduate, and newly retired.
The example below shows the difference between auto insurance costs with and without discounts applied to the policy premium. The prices are based on a female driver, a clean driving record, no claims, Colorado state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with passive restraint, marriage, defensive driving course, multiple vehicle, homeowner, and claim-free discounts applied. When these discounts are applied, theamount saved on auto insurance for teachers is 28% or $528.
Selecting a highly-rated car insurance provider can be a challenge considering how many companies provide coverage in Colorado. The company information shown next may help you select which providers to look at comparing rates with. These ratings are only comprised of large, nationwide insurance companies, so companies that have a smaller presence will not be included in the list.
Top 10 Major Car Insurance Companies in Aurora Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- Allstate – 88%
- 21st Century – 88%
- The General – 88%
How accidents and tickets impact rates
In a perfect world, the best way to maintain good auto insurance premiums in Colorado for teachers and educators is to drive safe and have a clean driving record. The diagram below highlights how traffic violations and at-fault claims drive up premium costs for each age group. The information is based on a single male driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied.
In the previous chart, the average cost of an auto insurance policy in Aurora per year with no accidents and a clean driving record is $1,476. Get one speeding ticket and the average cost jumps to $1,665, an increase of $189 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of auto insurance for teachers jumps again to an average of $3,447. That’s an increase of $1,971, or $164 per month, just for being a careless driver!