One of the more important factors that determine the annual cost of car insurance is your address in Aurora. More populated areas are more likely to have higher rates, whereas areas with less crime or weather claims profit from lower rates.
The next table lists the highest-priced areas in Colorado for police officers to purchase a policy in. Aurora is ranked #3 with an annual premium of $1,417 for the average policy, which is about $118 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Pueblo | $1,455 |
| 2 | Denver | $1,425 |
| 3 | Aurora | $1,417 |
| 4 | Lakewood | $1,365 |
| 5 | Commerce City | $1,354 |
| 6 | Colorado Springs | $1,316 |
| 7 | Centennial | $1,304 |
| 8 | Security-Widefield | $1,291 |
| 9 | Northglenn | $1,290 |
| 10 | Ken Caryl | $1,287 |
| 11 | Westminster | $1,284 |
| 12 | Thornton | $1,268 |
| 13 | Highlands Ranch | $1,267 |
| 14 | Castle Rock | $1,261 |
| 15 | Parker | $1,257 |
| 16 | Arvada | $1,256 |
| 17 | Littleton | $1,254 |
| 18 | Brighton | $1,247 |
| 19 | Broomfield | $1,215 |
| 20 | Longmont | $1,179 |
| 21 | Boulder | $1,159 |
| 22 | Greeley | $1,156 |
| 23 | Grand Junction | $1,120 |
| 24 | Loveland | $1,107 |
| 25 | Fort Collins | $1,056 |
| Start a Quote Go | ||
Rate quotes are approximated as zip code location can influence auto insurance rates considerably.
The car, truck, or SUV you are trying to insure is one of the biggest factors when trying to find the cheapest auto insurance for police officers. Vehicles with economical engines, advanced safety features, or low incidents of liability claims will cost quite a bit less to insure than high performance models.
The next list features car insurance rates for the more affordable automobiles to insure in Colorado.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Toyota Prius | $1,209 |
| Ford Escape XLT 2WD | $1,245 |
| Honda CR-V EX 4WD | $1,278 |
| Toyota RAV4 4WD | $1,289 |
| Ford Explorer Eddie Bauer AWD | $1,314 |
| Ford F-150 STX Regular Cab 2WD | $1,356 |
| Honda Odyssey LX | $1,361 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,381 |
| Chevrolet Silverado LS Extended Cab 2WD | $1,386 |
| Chevrolet Equinox LTZ AWD | $1,384 |
| Honda Civic SI 4-Dr Sedan | $1,425 |
| Ford Edge Limited 2WD | $1,436 |
| Ford Focus SE 4-Dr Sedan | $1,441 |
| Honda Accord EX 2-Dr Coupe | $1,451 |
| Nissan Rogue SL AWD | $1,458 |
| Volkswagen Jetta LE 4-Dr Sedan | $1,464 |
| Dodge Grand Caravan Hero | $1,470 |
| Chevrolet Impala LT | $1,474 |
| Toyota Camry LE | $1,482 |
| Jeep Wrangler Unlimited Sport 2WD 4-Dr | $1,477 |
| Start Your Quote Go | |
Above prices assume married female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate information does not factor in specific location information which can impact price quotes noticeably.
Looking at the numbers, cars like the Toyota Prius, Ford Escape, Honda CR-V, and Toyota RAV4 are likely to be some of the cheaper vehicles to insure for law enforcement personnel.
Determining which insurers offer the cheapest car insurance rates for police officers may require a bit more work in order to find the most economical policy.
Every insurance company uses a little different formula for setting rates, so to begin we’ll rank the most competitive car insurance companies in Aurora, CO. We do need to point out that Colorado car insurance rates are based on many factors that may substantially change the price of your policy. Improving your credit score, becoming a homeowner, or getting a ticket for careless driving can trigger changes in premium that may make certain companies much cheaper than others.
Find the Best Cheap Insurance for Law Enforcement
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $825 |
| 2 | Grange | $987 |
| 3 | USAA | $1,029 |
| 4 | GEICO | $1,152 |
| 5 | Nationwide | $1,155 |
| 6 | Auto-Owners | $1,156 |
| 7 | Travelers | $1,219 |
| 8 | State Farm | $1,246 |
| 9 | American Family | $1,262 |
| 10 | Progressive | $1,322 |
| 11 | Amica | $1,340 |
| 12 | California Casualty | $1,444 |
| 13 | Allied | $1,453 |
| 14 | Farmers | $1,581 |
| 15 | Colorado Farm Bureau | $1,624 |
| 16 | MetLife | $1,811 |
| 17 | Allstate | $2,015 |
| 18 | Encompass | $2,187 |
| 19 | Safeco | $2,522 |
| 20 | Titan | $2,738 |
| Get Personalized Rates Go | ||
The Hartford quotes some of the most affordable car insurance rates in Aurora at around $825 each year. Grange, USAA, GEICO, and Nationwide would also be considered some of the most economical Aurora, CO auto insurance companies.
In this example, if you currently have a policy with GEICO and switched to Grange, you may realize an annual savings of upwards of $165. Policyholders with Nationwide might save as much as $168 a year, and Auto-Owners insureds might reduce prices by as much as $169 a year.
Be aware that those policy rates are averages across all drivers and vehicles in Colorado and are not factoring in a specific vehicle garaging location for police officers. So the insurer that can offer you the best price may not even be in the top 21 companies shown above. That affirms the importance of why you need to compare rates from as many companies as possible using your own driver data and vehicle information.
Full coverage rates compared to liability-only
Lowering the price of car insurance should be important to most people, and one of the fastest ways to pay less for insurance for police officers is to not buy comprehensive and collision coverage. The information below visualizes the comparison of auto insurance rates with liability coverage only compared to full coverage. The data is based on no claims or driving citations, $1,000 deductibles, single status, and no discounts are applied.
As an average, comp and collision coverage costs an extra $1,476 per year over having just liability coverage. That is a large expense which might make you wonder when is the right time to remove full coverage. There is no clear-cut rule to stop buying full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is about 10% or more of the settlement you would receive from your company, the it may be a good time to stop paying for full coverage.
There are some scenarios where eliminating full coverage is not a good idea. If you still owe money on your vehicle, you must maintain physical damage coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage.
The example below highlights how deductible selection can impact insurance costs when searching for cheap insurance for police officers. The data is based on a married male driver, full coverage, and no additional discounts are factored in.
A 50-year-old driver could reduce rates by $244 a year by increasing from a $100 deductible up to a $500 deductible, or save $370 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old, could potentially save $814 annually by choosing larger deductibles on their policy. If you do decide to increase your deductibles, it is necessary to have enough funds in savings to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.
How to find the cheapest insurance for police officers
Here are a few money-saving suggestions that can help Colorado drivers get low-cost coverage.
- Speeding tickets and other violations increase rates
- Bundle home and auto and earn a discount
- If possible, pay for small claims out-of-pocket
- Maintain a safe distance and avoid accidents
- Higher deductibles mean lower rates
- Good credit can help you save money
- Shop around and save
That last tip is extremely significant, as was stressed in the prior information. Car insurance prices can change in a short period of time, so don’t hesitate to buy from a new company if you can save money. Loyalty to a specific company is fine, but it’s not a good idea if that loyalty results in overpaying big bucks every year. Now is a great time to compare prices to find cheaper insurance for police officers in Aurora.
If you wish to have a professional recommendation when shopping for cheaper insurance for police officers, the agents below are willing to aid you in deciding which coverages are best.
To find an Aurora insurance agency by location nearest to you, click the button following the list.
- Premier Insurance
2241 S Peoria St # 202 – Aurora, CO 80014 – (303) 337-3600 - Robbie Wright – State Farm Insurance Agent
3091 S Jamaica Ct #130 – Aurora, CO 80014 – (303) 597-1997 - L.A. Insurance Agency
9601 E Colfax Ave – Aurora, CO 80010 – (303) 577-2400 - American Family Insurance – Rick Laikola Agency Inc.
3102 S Parker Rd Ste A16 – Aurora, CO 80014 – (303) 696-2666