Things would sure be easy if we could just give you the name of the single best car insurance company that has the cheapest rates in Colorado. Unfortunately, it’s not that simple as there are a whole bunch of unknown aspects like the deductible level you need, how many years you have been driving, whether you just want liability only, and the safety features built into your vehicle, that all impact the cost of coverage. We will touch on the best ways to find cheap car insurance and also should give you a good beginning to your search for cheaper coverage.
The vehicle model requiring insurance is one of the largest factors when shopping around for the cheapest insurance for teenage males. Vehicles with higher performance, poor safety ratings, or a history of substantial liability claims will cost more to insure than more modest models.
The next list outlines insurance premiums for a number of the most budget-friendly automobiles to insure.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $4,963 |
| Ford Escape XLS 4WD | $4,968 |
| Honda CR-V EX-L 2WD | $5,015 |
| Toyota Prius | $5,390 |
| Toyota Tacoma 4WD | $5,565 |
| Ford F-150 XL Regular Cab 4WD | $5,575 |
| Dodge Grand Caravan CV | $5,565 |
| Ford Edge SEL 2WD | $5,838 |
| Honda Odyssey EX W/Rear Entertainment | $5,844 |
| Volkswagen Jetta S 4-Dr Sedan | $5,890 |
| Chevrolet Malibu Hybrid | $5,895 |
| Toyota RAV4 Limited 4WD | $5,890 |
| Jeep Grand Cherokee Laredo 4WD | $5,896 |
| Start Your Quote Go | |
Data based on single male driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, and claim-free. Estimates do not factor in specific zip code location which can change coverage prices significantly.
Looking at the data, we can tell that models like the Honda Accord, Ford Escape, Honda CR-V, and Toyota Prius will be a few of the more affordable vehicles to insure for teen boys. The cost of a car insurance policy will tend to be higher because there is more inherent risk for teenage males, but overall those particular vehicles will have the lowest prices compared to other vehicles.
For teen boys, one of the more important criteria that are looked at to help calculate the annual cost of car insurance is your zip code. Cities with more crime and/or more people tend to have higher auto insurance costs, whereas areas with lower crime rates and fewer weather claims can boast about having cheaper rates.
The illustration below ranks the highest-priced places in Colorado for teenage males in which to purchase auto insurance. Aurora is listed at #1 with the yearly price of $1,417 for the average insured, which is about $118 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Aurora | $1,417 |
| 2 | Pueblo | $1,397 |
| 3 | Denver | $1,383 |
| 4 | Commerce City | $1,368 |
| 5 | Security-Widefield | $1,343 |
| 6 | Northglenn | $1,342 |
| 7 | Lakewood | $1,337 |
| 8 | Colorado Springs | $1,329 |
| 9 | Ken Caryl | $1,313 |
| 10 | Arvada | $1,308 |
| 11 | Thornton | $1,307 |
| 12 | Littleton | $1,293 |
| 13 | Brighton | $1,285 |
| 14 | Westminster | $1,284 |
| 15 | Centennial | $1,278 |
| 16 | Castle Rock | $1,261 |
| 17 | Parker | $1,257 |
| 18 | Highlands Ranch | $1,241 |
| 19 | Boulder | $1,207 |
| 20 | Broomfield | $1,203 |
| Get a Custom Quote Go | ||
Premium costs are estimated as the specific geographic location can impact coverage rates noticeably.
Finding budget car insurance is not the easiest thing to do, and figuring out which companies have the best car insurance rates for teenage males will take even more work.
Each insurer has their own process to set their prices, so first let’s look at the rankings for the car insurance companies with the overall cheapest rates in Aurora. It’s important to understand that Aurora car insurance rates are based on many factors that can increase the price you pay for coverage. This price variability is why consumers need to perform a complete rate comparison to get the lowest auto insurance quotes for teenage males. Car insurance prices are influenced by many things and can change without notice, so the best price when you last compared rates may now be an over-priced policy.
Find Cheaper Auto Insurance for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $834 |
| 2 | Grange | $958 |
| 3 | USAA | $1,039 |
| 4 | Nationwide | $1,143 |
| 5 | Travelers | $1,171 |
| 6 | GEICO | $1,187 |
| 7 | Auto-Owners | $1,204 |
| 8 | State Farm | $1,259 |
| 9 | American Family | $1,275 |
| 10 | Progressive | $1,322 |
| 11 | Amica | $1,381 |
| 12 | California Casualty | $1,458 |
| 13 | Allied | $1,483 |
| 14 | Colorado Farm Bureau | $1,592 |
| 15 | Farmers | $1,629 |
| 16 | MetLife | $1,830 |
| 17 | Allstate | $1,994 |
| 18 | Encompass | $2,231 |
| 19 | Safeco | $2,472 |
| 20 | Titan | $2,738 |
| Find Cheaper Rates Go | ||
The Hartford may offer some of the most affordable car insurance rates in Aurora at around $834 each year. This is $744 less than the average policy premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Travelers would also be considered some of the more affordable Aurora, CO car insurance companies.
In the above rates, if you are currently insured with Travelers and switched to Grange, you may realize savings of approximately $213. Customers with GEICO may save as much as $229 a year, and Auto-Owners insureds might reduce rates by $246 a year.
Understand that those policy prices are averaged for all drivers and vehicles and do not factor in an exact location for teenage males. So the auto insurance company that can offer you the best price may not even be in the top 21 companies shown above. That is why you need to compare prices as often as possible using your own driver information and specific vehicle type.
Choosing the right insurance company is difficult considering how many companies sell coverage in Colorado. The company ratings shown below can help you decide which auto insurers you want to consider comparing prices from. These ratings are only made up of insurance companies that insure vehicles in the majority of U.S. states, 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 |
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Bad driving habits will cost you more
The easiest method to earn low car insurance prices in Colorado for teen boys is to drive attentively and avoid at-fault accidents and violations. The illustration below demonstrates how traffic citations and at-fault fender-benders can impact insurance rates for each age group. The data assumes a married male driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
In the previous chart, the average cost of an auto insurance policy per year with a clean driving record and no accidents is $1,917. Get one speeding ticket and the average cost swells to $2,197, an increase of $280 each year. Now throw in two accidents along with the one speeding ticket and the 12-month cost of car insurance for teenage males increases to an average of $4,484. That’s an increase of $2,567, or $214 per month, just for not keeping your driving record clean!
Discount Aurora car insurance
Insurers that offer quotes for teenage males may have special discounts that could potentially reduce rates by as much as 35% if you qualify. The best car insurance companies and some of their more popular discounts are included below.
- GEICO has discounts for emergency military deployment, five-year accident-free, multi-vehicle, air bags, seat belt use, good student, and anti-theft.
- USAA may have discounts that include defensive driver, good student, military installation, multi-policy, and annual mileage.
- Progressive may include discounts for continuous coverage, multi-vehicle, good student, homeowner, multi-policy, and online quote discount.
- American Family discounts include accident-free, bundled insurance, TimeAway discount, Steer into Savings, and good driver.
- Esurance may offer discounts for good student, good driver, anti-theft, paid-in-full, safety device, multi-policy, and online shopper.
- Farmers Insurance has savings for electronic funds transfer, early shopping, youthful driver, mature driver, bundle discounts, homeowner, and teen driver.
- State Farm offers discounts for anti-theft, driver’s education, Steer Clear safe driver discount, defensive driving training, and multiple policy.
The information below shows the difference between auto insurance rates with and without discounts applied to the rates. The prices are based on a male driver, a clean driving record, no claims, Colorado state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with paid-in-full, vehicle safety, anti-theft, good student, paperless filing, and continuous coverage discounts applied. When drivers take advantage of discounts, theamount saved on car insurance for teenage males is 28% or $804.