You have most likely watched the captivating ads from insurers like The General, GEICO, and Allstate that guarantee huge savings, so you should just pick one randomly, right?
It’s just not that simple, as there are many unknown factors like how old you are, if you have any driving citations, the vehicle you drive, and your financial stability, that all have an effect on the price of a policy. This article delves into these factors and others that can influence the price of auto insurance and will hopefully give the reader some help in finding cheaper rates.
Establishing which insurers offer the cheapest auto insurance rates for immigrants requires a little more work than just quoting one company’s rates. Each insurance company used slightly different criteria to determine rates, so we’ll go over the overall cheapest auto insurance companies in Colorado.
It’s important to understand that Colorado auto insurance rates are based on many factors which can substantially decrease or increase the cost of a policy. Simply having another birthday, increasing deductibles, or getting a ticket for careless driving may generate price changes resulting in some rates now being cheaper than before.
Find the Best Cheap Insurance for Migrants
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $825 |
| 2 | Grange | $987 |
| 3 | USAA | $1,029 |
| 4 | Nationwide | $1,143 |
| 5 | GEICO | $1,187 |
| 6 | Auto-Owners | $1,192 |
| 7 | Travelers | $1,219 |
| 8 | State Farm | $1,246 |
| 9 | American Family | $1,275 |
| 10 | Progressive | $1,362 |
| 11 | Amica | $1,381 |
| 12 | California Casualty | $1,458 |
| 13 | Allied | $1,497 |
| 14 | Colorado Farm Bureau | $1,592 |
| 15 | Farmers | $1,613 |
| 16 | MetLife | $1,811 |
| 17 | Allstate | $1,994 |
| 18 | Encompass | $2,231 |
| 19 | Safeco | $2,547 |
| 20 | Titan | $2,630 |
| Quote Your Rates Go | ||
The Hartford offers some of the best car insurance rates in Aurora at around $825 annually. This is $753 less than the average policy premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO also are some of the cheapest Aurora, CO auto insurance companies.
In this example, if you have coverage with Nationwide and switched to Grange, you may realize annual savings of roughly $156. Policyholders with GEICO may save as much as $200 a year, and Auto-Owners insureds might reduce rates by $205 a year.
Remember that these prices are averages across all ages of drivers and types of vehicles and do not take into consideration a specific zip code for immigrants. So the company that has the cheapest rates for you may not even be in the list above. That points out the importance of why you need to compare prices as often as possible using your own specific driver and vehicle information.
The vehicle driven is a large consideration when consumers are trying to find low-priced auto insurance for immigrants. Vehicles with lots of horsepower, poor passenger safety features, or an increased likelihood of liability claims will cost significantly more to insure than more economical and safe models. The next list showcases coverage prices for a number of the most budget-friendly vehicles to buy coverage for.
| Make, Model, and Trim Level | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX-P 4-Dr Sedan | $1,301 |
| Honda CR-V LX 4WD | $1,306 |
| Ford Escape XLT 4WD | $1,330 |
| Chevrolet Impala LT | $1,352 |
| Dodge Grand Caravan Hero | $1,361 |
| Ford F-150 Lariat Super Cab 2WD | $1,381 |
| Hyundai Elantra Blue 4-Dr Sedan | $1,396 |
| Toyota Tacoma X-Runner 2WD | $1,423 |
| Honda Odyssey EX-L | $1,430 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,449 |
| Nissan Altima Hybrid 4-Dr Sedan | $1,452 |
| Ford Fusion Sport 4-Dr Sedan | $1,462 |
| Toyota Prius | $1,454 |
| Ford Edge SEL 2WD | $1,507 |
| GMC Sierra 2500HD SLT Crew Cab 4WD | $1,520 |
| GMC Sierra SLE Regular Cab 2WD | $1,539 |
| Chevrolet Malibu Hybrid | $1,548 |
| Start a Quote Go | |
Data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in specific location which can increase or decrease rates substantially.
Based upon the table data, we can expect models like the Honda Accord, Honda CR-V, Ford Escape, and Chevrolet Impala are likely to be a few of the cheaper vehicles to insure for foreigners.
One of the many things that are looked at to determine the amount you pay for auto insurance is where your residence is. Regions with larger populations or more claims tend to pay more, whereas areas that tend to be more rural benefit from lower prices.
The table below ranks the highest-priced places in Colorado for immigrants in which to buy car insurance. Aurora ranks #2 with an annual cost of $1,417 for coverage, which is about $118 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Pueblo | $1,455 |
| 2 | Aurora | $1,417 |
| 3 | Denver | $1,383 |
| 4 | Commerce City | $1,328 |
| 5 | Lakewood | $1,324 |
| 6 | Colorado Springs | $1,316 |
| 7 | Ken Caryl | $1,313 |
| 8 | Arvada | $1,308 |
| 9 | Security-Widefield | $1,304 |
| 10 | Northglenn | $1,303 |
| 11 | Thornton | $1,281 |
| 12 | Centennial | $1,278 |
| 13 | Highlands Ranch | $1,267 |
| 14 | Castle Rock | $1,261 |
| 15 | Littleton | $1,254 |
| 16 | Brighton | $1,247 |
| 17 | Westminster | $1,234 |
| 18 | Parker | $1,233 |
| 19 | Longmont | $1,179 |
| 20 | Boulder | $1,171 |
| Quote Best Rates Go | ||
Table data uses comparative as the vehicle garaging location can revise prices substantially.
Selecting a good quality auto insurance company can be challenging considering how many different insurance companies sell coverage in Aurora. The ranking data displayed below could help you decide which car insurance providers you want to consider comparing rate quotes with.
These ratings include companies who write in the majority of U.S. states, so companies that focus mainly on Colorado business are not taken into consideration for these rankings. To check rates from these companies and more, click this link.
Top 10 Large Auto Insurance Companies Overall in Aurora
- USAA
- American Family
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
- Allstate
Top 10 Large Auto 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%
The information below highlights how deductible choice can influence insurance rates when trying to find cheap insurance for immigrants. The data assumes a single male driver, comprehensive and collision coverage, and no discounts are factored in.
The chart above illustrates that a 40-year-old driver could lower their policy premium by $346 a year by changing from a $100 deductible up to a $500 deductible, or save $520 by choosing a $1,000 deductible. Young drivers, like the age 20 example, could drop their prices up to $1,140 or even more by using higher deductibles when buying full coverage.
When raising deductibles, it’s a good idea to have plenty of discretionary funds to be able to pay the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
The benefit of shopping around
Aurora auto insurance rates are impacted by many factors which can significantly increase or decrease the price of your policy. Improving your credit rating, increasing deductibles, or getting a ticket for careless driving can trigger rate changes that can cause some rates to be affordable when they were higher priced.
In addition, insurance companies file new rates at least once a year in order to remain profitable. Higher than normal claims can cause higher priced premiums, while a better claims history may produce more affordable Aurora car insurance rates.
To illustrate this example, the bar chart below shows rates for the cheapest car insurance in Aurora, CO for a 30-year-old female driver with a clean driving record, no accidents, and a good credit history. Based on her current risk profile, The Hartford might offer the lowest car insurance rates in Aurora at $1,100 each year. This is $478 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Auto-Owners are the remaining cheapest Aurora, CO auto insurance companies.
The chart below compares rates after we give the driver from the first set of rates a couple of claims, a lower credit rating, and a couple of points charged on her driving record. Since every insurance provider uses their own calculation for setting prices, comparing insurance quotes may result in a significantly different list of affordable companies as shown below.
State Farm now has the best price in Aurora, CO with Travelers, Grange, American Family, and Progressive now being in the top five. This shows why drivers need to compare as many rates as possible to get the most affordable auto insurance quotes for immigrants. Insurance prices are made up of many things and can change substantially, so the best company the last time you shopped your coverage around may now cost much more than other companies.