Finding out which company quotes the best auto insurance rates for drivers with good credit takes a little more sweat in order to find the lowest price. Each auto insurance company has their own guidelines to set premium rates, so we’ll go over the most budget-friendly auto insurance companies in Aurora.
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $834 |
| 2 | Grange | $949 |
| 3 | USAA | $1,009 |
| 4 | Nationwide | $1,109 |
| 5 | Auto-Owners | $1,168 |
| 6 | Travelers | $1,171 |
| 7 | GEICO | $1,176 |
| 8 | State Farm | $1,259 |
| 9 | American Family | $1,301 |
| 10 | Amica | $1,353 |
| 11 | Progressive | $1,362 |
| 12 | Allied | $1,483 |
| 13 | California Casualty | $1,488 |
| 14 | Colorado Farm Bureau | $1,592 |
| 15 | Farmers | $1,629 |
| 16 | MetLife | $1,885 |
| 17 | Allstate | $2,076 |
| 18 | Encompass | $2,165 |
| 19 | Safeco | $2,547 |
| 20 | Titan | $2,738 |
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The Hartford generally has some of the lowest car insurance rates in Aurora at around $834 each year. Grange, USAA, Nationwide, and Auto-Owners would also be considered some of the cheaper Aurora, CO car insurance companies.
As shown above, if you currently buy coverage from USAA and switched to The Hartford, you could realize savings of roughly $175. Insureds with Nationwide may save as much as $275 a year, and Auto-Owners customers might see rate reductions of $334 a year.
Bear in mind that those policy prices are averaged for all types of drivers and the different vehicles they drive and do not take into consideration an exact vehicle garaging location for drivers with good credit. So the insurer that has the lowest price for you may not even be in the list above. That emphasizes why you need to compare rates from as many companies as possible using your own driver data and vehicle information.
The type of vehicle you are trying to insure is probably the largest consideration that determines whether or not you can buy affordable coverage for drivers with good credit. Vehicles with higher performance, poor safety ratings, or a history of substantial liability claims will cost quite a bit more to insure than more economical and safe models.
The next list features car insurance premiums for some of the most economical automobiles to buy insurance for.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V EX 2WD | $1,433 |
| Hyundai Elantra GLS Touring Station Wagon | $1,439 |
| Ford Escape XLT 2WD | $1,433 |
| Honda Odyssey LX | $1,439 |
| Ford Explorer XLT 2WD | $1,462 |
| Dodge Grand Caravan SE | $1,468 |
| Honda Accord LX 4-Dr Sedan | $1,477 |
| Volkswagen Jetta S 2.5 Station Wagon | $1,559 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $1,624 |
| Toyota Corolla LE | $1,629 |
| Ford Edge Sport AWD | $1,636 |
| Toyota Prius | $1,634 |
| Nissan Rogue S 2WD | $1,657 |
| GMC Sierra 2500HD SLE Crew Cab 4WD | $1,660 |
| Ford F-150 Lariat Crew Cab Harley 2WD | $1,670 |
| GMC Sierra SLE Regular Cab 2WD | $1,696 |
| Chevrolet Impala LT | $1,703 |
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Estimates do not factor in your specific Aurora, CO location which can affect price quotes significantly.
Based upon the rates shown, you can conclude that cars like the Honda CR-V, Hyundai Elantra, Ford Escape, and Honda Odyssey are going to be the more affordable vehicles to insure for financially responsible drivers.
For financially responsible drivers, one of the big considerations that are used to help calculate insurance cost is where your car is garaged in Aurora. Cities with larger populations tend to pay more, whereas areas with less congestion have the luxury of cheap car insurance rates.
The illustration below ranks the most expensive places in Colorado for drivers with good credit to purchase auto insurance in. Aurora is listed at #1 with an annual rate of $1,417 for the average policyholder, which is about $118 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Aurora | $1,417 |
| 2 | Pueblo | $1,412 |
| 3 | Denver | $1,397 |
| 4 | Northglenn | $1,342 |
| 5 | Lakewood | $1,324 |
| 6 | Thornton | $1,320 |
| 7 | Centennial | $1,317 |
| 8 | Commerce City | $1,314 |
| 9 | Littleton | $1,293 |
| 10 | Security-Widefield | $1,291 |
| 11 | Colorado Springs | $1,290 |
| 12 | Ken Caryl | $1,287 |
| 13 | Arvada | $1,269 |
| 14 | Highlands Ranch | $1,267 |
| 15 | Brighton | $1,247 |
| 16 | Westminster | $1,246 |
| 17 | Parker | $1,233 |
| 18 | Castle Rock | $1,224 |
| 19 | Boulder | $1,195 |
| 20 | Longmont | $1,179 |
| 21 | Broomfield | $1,179 |
| 22 | Greeley | $1,122 |
| 23 | Grand Junction | $1,120 |
| 24 | Loveland | $1,107 |
| 25 | Fort Collins | $1,056 |
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Rate quotes are estimated as the specific garaging location can change coverage rates significantly.
Picking the top auto insurance provider is hard considering how many companies are available to choose from in Colorado. The rank data in the lists below could help you choose which car insurance providers you want to consider shopping prices with. The rankings below are for the largest companies in America, so smaller companies are not taken into consideration for these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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Data Source: Insure.com Best Car Insurance Companies
The illustration below shows how different deductible levels can affect insurance costs when getting quotes for cheap insurance for drivers with good credit. The premium estimates are based on a married female driver, comp and collision included, and no discounts are applied to the premium.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $240 a year by changing from a $100 deductible to a $500 deductible, or save $362 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, can save up to $594 every year just by choosing larger deductibles. If you do raise deductibles, it will be necessary to have enough funds in savings to be able to cover the extra out-of-pocket expense, which is the main drawback of higher deductibles.
Safe drivers pay less for auto insurance
The obvious way to enjoy the best auto insurance premiums in Aurora for financially responsible drivers is to drive cautiously and avoid accidents and violations. The example below highlights how traffic violations and at-fault collisions influence insurance premiums for each age group. The data is based on a married male driver, comp and collision included, $100 deductibles, and no discounts are applied.
In the previous chart, the average cost of an auto insurance policy per year with no accidents and a clean driving record is $2,341. Get one speeding ticket and the average cost hikes up to $2,688, an increase of $347 each year. Then throw in two accidents along with the one speeding ticket and the yearly cost of auto insurance for drivers with good credit increases to an average of $5,587. That’s an increase of $3,246, or $271 per month, just for not driving carefully!
The Aurora auto insurance agencies shown below are a good start to help you make a decision which car insurance policy is best, since lots of people like to have a little guidance when comparing insurance rates for financially responsible drivers. It can be complicated to find the cheapest car insurance policy, so insurance agents can provide you comfort knowing your policy gives you sufficient coverage for your assets.
To locate an Aurora insurance agent close to you, click the button following the list or click here to compare rates now.
American Family Insurance – Rick Laikola Agency Inc.
3102 S Parker Rd Ste A16 – Aurora, CO 80014 – (303) 696-2666
Allstate Insurance: Mario J Morales
14241 E 4th Ave #305 – Aurora, CO 80011 – (303) 366-6800
State Farm: Joel Kruschwitz
9801 E Colfax Ave – Aurora, CO 80010 – (303) 344-1175
Farmers Insurance – Patricia Rusho
13780 E Rice Pl #112 – Aurora, CO 80015 – (303) 317-2411
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How to find budget-friendly car insurance for drivers with good credit
It’s not impossible to find cheaper rates, and here are some of the better thrifty ideas that can help you get low-cost car insurance.
- Higher comprehensive and collision coverage deductibles will save money
- Higher credit ratings may save you money
- Vehicles with good safety ratings are usually cheaper to insure
- Full coverage is expensive so only insure older vehicles for liability only
- Speeding tickets and other violations increase rates
- Staying accident-free helps keep rates low
- Shop around for cheaper rates regularly
The last tip is highly crucial, as was pointed out in the prior information. Prices charged by car insurance companies in Aurora fluctuate constantly, so drivers shouldn’t hesitate to switch carriers if a lower price can be found.
Many drivers tend to have loyalty to a certain company, but it isn’t a good idea if that dedication is costing hundreds of dollars year after year. It takes less than five minutes to shop around to find cheaper car insurance for drivers with good credit.