What is the Cheapest Car Insurance in Aurora, Colorado?

One of the many things that help determine the price you pay for insurance is where you keep your car. Cities with larger populations or higher claim trends tend to have more expensive auto insurance rates, whereas areas with lower crime rates and fewer weather claims receive better rates.

The information below sorts the most expensive places in Colorado in which to purchase auto insurance. Aurora makes the list at #3 with the yearly price of $1,403 on average, which is approximately $117 monthly.

Prices are comparative as vehicle location can alter prices substantially.

Knowing where Aurora ranks compared to other cities, finding decent, cost effective auto insurance is not always easy, and determining which insurers offer the cheapest car insurance rates in Aurora will take a little more work.

Each company has their own process for determining prices, so let’s begin by taking a look at the car insurance companies that tend to be cheaper in Aurora, CO. It’s important to understand that Colorado car insurance rates are influenced by many factors that control the price you pay for coverage. Price variation is why it is critical to compare as many rates as possible to find the most affordable auto insurance quotes in Aurora. Prices are calculated by many things and change substantially, so the best option when you bought your policy may now be wasting a lot of money.

Find the Cheapest Car Insurance in Aurora

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The Hartford normally has some of the lowest car insurance rates in Aurora at around $825 per year. This is $753 less than the average rate paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO also make the cut as some of the more affordable Aurora, CO insurance companies.

As the example above demonstrates, if you currently buy coverage from Nationwide and switched to Grange, you might see a yearly savings of in the neighborhood of $156. Customers with GEICO may save as much as $165 a year, and Travelers insureds might reduce prices by as much as $184 a year.

To compare your rates to other Colorado insurance companies, click here to start your free quote or click several companies below for low rates.

These premiums are averaged for all ages of drivers and types of vehicles and and are not calculated with a specific location in Aurora. So the insurer that can offer you the best price may not even be in the top 21 companies shown above. That’s why you need to quote rates from as many companies as possible using your own driver data and vehicle information.

The vehicle model requiring insurance is a significant factor when looking for cheap car insurance in Aurora. Vehicles with high performance features, a lack of advanced safety features, or a track record of large liability claims will cost quite a bit more to insure than more modest models. The list below ranks auto insurance rates for a selection of the most economical vehicles to insure in Colorado.

Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Rate quotes do not factor in garaging location in Aurora, CO which can increase or decrease auto insurance rates greatly.

Based upon these rates, we can expect models like the Ford Escape, Toyota Prius, and Honda CR-V are most likely going to be a few of the most affordable vehicles to insure for drivers in Aurora.

Get discount Aurora auto insurance rates

Auto insurance companies that offer quotes in Aurora may provide premium discounts that can reduce rates by 30% or more if you qualify for them. Larger car insurance companies and their offered discounts can be found below.

• Esurance discounts include multi-policy, online shopper, renters, DriveSense, and anti-lock brakes.
• The Hartford may include discounts for air bag, driver training, vehicle fuel type, anti-theft, bundle, and defensive driver.
• AAA may offer discounts for AAA membership discount, multi-policy, pay-in-full, good student, education and occupation, and multi-car.
• GEICO has savings for seat belt use, defensive driver, membership and employees, driver training, daytime running lights, military active duty, and federal employee.
• State Farm may have discounts that include passive restraint, Steer Clear safe driver discount, defensive driving training, multiple autos, and Drive Safe & Save.

The example below shows the comparison of insurance premiums with and without discounts applied to the policy rates. The rates are based on a male driver, no violations or accidents, Colorado state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with passive restraint, safe-driver, homeowner, claim-free, multiple vehicle, and vehicle safety discounts applied. When these discounts are applied, theamount saved on car insurance in Aurora is 28% or $687.

Safe drivers pay less for car insurance

The recommended way to maintain affordable car insurance premiums in Colorado for drivers in Aurora is to be a safe driver and not get tickets or have accidents. The chart below demonstrates how citations and accident claims influence auto insurance costs for each age group. The premiums assume a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

In the chart above, the average cost of a car insurance policy in Aurora per year with no violations or accidents is $1,691. Receive two speeding tickets and the average cost increases to $2,402, an increase of $711 each year. Then add one accident along with the two speeding tickets and the 12-month cost of car insurance in Aurora goes up to an average of $3,131. That’s an increase of $1,440, or $120 per month, just for not being attentive to the road!

How to find economical auto insurance in Aurora

Lowering your rates is not difficult, and here are some of the better thrifty suggestions that can help Colorado drivers quote low-cost car insurance.

• Avoid accidents and claims
• Tickets and violations raise rates
• Buy vehicles with good safety ratings
• Claim-free drivers earn discounts
• Do not pay for comprehensive and collision coverage on older vehicles
• Save money by bundling your home and auto policies
• Shop around for lower rates once a year

The last tip in the list is extraordinarily valuable, as was affirmed in the prior information. Rates vary considerably, so drivers shouldn’t hesitate to change insurance companies if a cheaper rate is available. Staying with the same company for years is fine, but it’s not a good idea if that dedication is costing a wad of cash every year. Take a few minutes and shop around to find cheaper car insurance in Aurora in Aurora.

If you prefer to have some professional guidance when shopping for cheaper insurance for drivers in Aurora, the insurance agencies below can most likely provide answers to your questions and help you determine which coverage meets your needs best. To locate an agency nearest to you, click the link after the list or click here to compare prices now.

View map of Aurora, CO insurance agents