The words “low-cost” and “auto insurance” probably shouldn’t be used in the same sentence, in particular when you are looking for the cheapest car insurance for drivers with a bad driving record. Because of the high cost, let’s get started by showing you a few of the factors that help determine car insurance prices, and figure out some ways to lower the price of the next policy you buy.
Establishing which insurers offer the best auto insurance rates for drivers with a bad driving record calls for a bit more effort in order to find a policy that fits your budget. Each insurance company has a proprietary method for setting rates, so to begin we’ll rank the most competitive auto insurance companies in Colorado.
It’s a good idea to know that Aurora, CO auto insurance rates are influenced by many factors which can significantly increase or decrease the price of your policy. Turning one year older, moving to a different location, or getting a few speeding tickets can trigger rate changes that may make certain companies cheaper than others.
Cheap Insurance Rates for Imperfect Drivers
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $825 |
| 2 | Grange | $978 |
| 3 | USAA | $1,029 |
| 4 | Nationwide | $1,109 |
| 5 | GEICO | $1,152 |
| 6 | Auto-Owners | $1,168 |
| 7 | State Farm | $1,209 |
| 8 | Travelers | $1,219 |
| 9 | American Family | $1,301 |
| 10 | Amica | $1,340 |
| 11 | Progressive | $1,362 |
| 12 | Allied | $1,453 |
| 13 | California Casualty | $1,488 |
| 14 | Farmers | $1,565 |
| 15 | Colorado Farm Bureau | $1,592 |
| 16 | MetLife | $1,811 |
| 17 | Allstate | $2,015 |
| 18 | Encompass | $2,187 |
| 19 | Safeco | $2,522 |
| 20 | Titan | $2,711 |
| View More Rates Go | ||
The Hartford generally has some of the best car insurance rates in Aurora at around $825 annually. This is $753 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO would also be considered some of the lowest-priced Aurora, CO insurance companies.
In this example, if you are a policyholder with Grange and switched to The Hartford, you could realize annual savings of in the neighborhood of $153. Customers with USAA may save as much as $204 a year, and Nationwide customers might lower prices by up to $284 a year.
To see if your current coverage is too expensive, click here to start your free quote or click several companies below for low rates.
It’s important to note that these premiums are averages across all drivers and vehicles in Colorado and do not factor in a specific vehicle garaging location for drivers with a bad driving record. So the auto insurance company that fits your age and vehicle best may not even be in the list above. That affirms the importance of why you need to quote rates from many companies using your own individual information.
The make and model of vehicle that needs insurance is one of the largest considerations when trying to find affordable car insurance for drivers with a bad driving record. Vehicles with limited speed and performance, an excellent safety record, or a track record of few liability claims will cost substantially less to insure than high performance models.
The information below outlines car insurance rates for a number of the most economical automobiles to buy coverage for.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $4,886 |
| Honda Accord LX 4-Dr Sedan | $4,896 |
| Ford Escape XLT 4WD | $5,095 |
| Honda CR-V EX-L 2WD | $5,155 |
| Toyota Prius | $5,258 |
| Ford Focus SE 4-Dr Sedan | $5,731 |
| Volkswagen Jetta 2.0T Station Wagon | $5,744 |
| Chevrolet Equinox LS AWD | $5,784 |
| Toyota Camry LE | $5,791 |
| Toyota RAV4 4WD | $5,784 |
| Honda Odyssey EX | $5,902 |
| Chevrolet Impala LT | $5,960 |
| Chevrolet Malibu Hybrid | $6,021 |
| Ford Fusion S 4-Dr Sedan | $6,031 |
| Ford Explorer Eddie Bauer 4WD | $6,021 |
| Dodge Grand Caravan Crew | $6,087 |
| Ford F-150 XLT Crew Cab 4WD | $6,093 |
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Table data assumes single male driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in specific zip code location which can impact coverage prices substantially.
Based upon these rates, cars like the Hyundai Elantra, Honda Accord, Ford Escape, Honda CR-V, and Toyota Prius will definitely be a few of the cheapest vehicles to insure for bad drivers. The price for an auto insurance policy will trend higher just because there is a higher risk for drivers with a bad driving record, but in general those particular models will tend to have the lowest prices compared to other vehicles.
How to get discounts on Aurora car insurance rates
Insurance companies that sell policies for drivers with a bad driving record could also offer price discounts that could reduce prices by 40% or more if you qualify. A list of auto insurance companies and some of the discounts can be found below.
- State Farm policyholders can earn discounts including multiple autos, accident-free, Steer Clear safe driver discount, good student, anti-theft, and good driver.
- GEICO discounts include air bags, driver training, anti-theft, membership and employees, and daytime running lights.
- SAFECO may have discounts that include multi-car, anti-theft, teen safe driver, anti-lock brakes, homeowner, accident prevention training, and drive less.
- Farmers Insurance offers discounts for good student, business and professional, pay in full, youthful driver, teen driver, homeowner, and bundle discounts.
- AAA offers discounts including pay-in-full, multi-car, good student, multi-policy, education and occupation, anti-theft, and good driver.
- USAA has discounts for multi-vehicle, good student, military installation, family discount, and loyalty savings.
The information below compares car insurance costs with and without some available policy discounts. The prices are based on a female driver, one accident and three traffic tickets, Colorado state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with homeowner, paperless filing, marriage, anti-theft, multiple vehicle, and paid-in-full discounts applied. When taking advantage of discounts, the average amount saved each year on auto insurance for drivers with a bad driving record is 28% or $813.
Insuring your vehicle with a highly-rated company can be difficult considering how many companies there are to choose from in Colorado. The ranking information listed below can help you decide which providers you want to consider when shopping around. The ratings below are only made up of companies with a national presence, so companies with more of a regional focus are not taken into consideration for the list.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
How to find economical insurance for drivers with a bad driving record
It is possible to find better rates, and here are many money-saving solutions that can help drivers quote more affordable auto insurance.
- Safe vehicles generally have lower rates
- Raise deductibles
- Do not pay for full coverage if not needed
- Maintaining good credit helps earn cheaper rates
- Keep your driving record clean
- Avoid accidents and claims
- Shop around once a year for cheaper rates
The last idea is notably significant, as we noted in this write-up. Rates change frequently, so drivers shouldn’t be resistant to switch carriers if a more affordable price is available. Sticking with a specific company is fine, but it isn’t a good idea if that inflexibility results in costing you a small fortune. It takes less than five minutes to shop around to find cheaper auto insurance for drivers with a bad driving record in Aurora.