Best Car Insurance Companies in Aurora, CO

The best car insurance varies based on your personal driver profile and needs. In Aurora, American National is MoneyGeek’s top pick for the best overall and best cheap insurer. It’s also the top-rated insurance provider for young adults, seniors and drivers with offenses.

The best insurer in Aurora for customer service is Acuity. Meanwhile, GEICO ranked first for teen drivers, while Allstate is the best option for drivers with new cars. MoneyGeek also ranked the cheapest car insurance in Aurora for drivers who prioritize affordability.

The best car insurance companies for the average driver in Aurora are:

• American National: MoneyGeek score of 83 out of 100 ($579 per year)
• GEICO: MoneyGeek score of 68 out of 100 ($774 per year)

American National has a perfect affordability rating and got the third-highest satisfaction score. This means policyholders can expect good service and affordable premiums.

Another highly rated company in Aurora is USAA. With a MoneyGeek score of 78 out of 100, the insurer provides an alternative option for drivers with a military background and eligible family members.

The best car insurance company may vary per location. For example, based on MoneyGeek’s analysis, GEICO — not American National — offers the best car insurance in Colorado as a whole.

Of the 13 auto insurance companies MoneyGeek analyzed in Aurora, Colorado, American National emerged as the overall winner. It has the most affordable rates, with an average of $579 per year for full coverage. Although the company also received a high satisfaction rating, it still ranked behind Colorado Farm Bureau and Acuity in that category.

Despite offering only a few coverage options, the company received a high coverage score because it has most of the essential coverages. Rates used to determine the best overall car insurance company in Aurora reflect a full coverage policy. We also only gave companies overall MoneyGeek scores out of 100 if they had available data for each scoring component.

The best auto insurance providers in Aurora for customer support, without considering cost, are:

• Acuity: MoneyGeek score of 78 out of 100 ($1,372 per year)
• American National: MoneyGeek score of 67 out of 100 ($579 per year)

Acuity received the second-highest satisfaction rating, tied for second place for coverage options and got the highest claims score among all insurers we evaluated. However, the company has the most expensive average annual premium in Aurora. This means policyholders pay a much higher price for the best service.

An insurance company is deemed to have good customer service if it processes claims efficiently and addresses client concerns effectively. For Aurora drivers who value customer service the most, Acuity is the best option. The company got high customer satisfaction and claims scores.

Considering affordability and service quality for policies that only meet Colorado’s minimum car insurance coverage requirements, the best providers in Aurora are:

• American National: MoneyGeek score of 83 out of 100 ($253 per year)
• Auto-Owners Insurance: MoneyGeek score of 68 out of 100 ($435 per year)

While these are the cheapest policies in Aurora, they offer the least amount of protection against liability costs. They also don’t provide protection against the cost of damages to your own vehicle if an accident occurs. Since minimum car insurance coverage limits follow state laws, all cities in Colorado have the same requirements.

Affordability plays an important role in determining the best minimum coverage policy. Although there may be cases wherein choosing cheap rates means sacrificing good customer service, it’s possible to find a company that balances both factors.

American National ranked first in Aurora because it offers affordable minimum coverage policies without compromising quality service. It received a perfect affordability rating and ranks third-highest in customer satisfaction.

The best auto insurance for young adult drivers in Aurora is offered by:

• American National: MoneyGeek score of 83 out of 100 ($721 per year)
• GEICO: MoneyGeek score of 71 out of 100 ($883 per year)

American National is the top-rated insurer in the city for young adults, mainly due to a perfect affordability rating and high satisfaction score. This makes it a good option for individuals who value service quality at reasonable rates.

Young adult drivers should look for quality customer service, affordable policies and age-specific discounts.

MoneyGeek determined American National as the best option for young adults in Aurora. The company received a high satisfaction score based on J.D. Power’s customer satisfaction study and the NAIC customer complaint index. It also has the lowest average premium among the 13 companies evaluated. That said, the company offers limited discount opportunities and doesn’t have specific discounts for young adults.

The best auto insurance for teens added to a family policy in Aurora is from:

GEICO: MoneyGeek score of 68 out of 100 ($2,369 per year) Allstate: MoneyGeek score of 62 out of 100 ($2,685 per year)

GEICO is the best option for adding a teen driver to a family policy in the city. The company ranks second in our analysis for both customer satisfaction and affordability. However, it ranks fifth out of eight insurers for claims management.

When purchasing car insurance for teen drivers, it’s important to compare the cost of adding them to a family plan to the rate for an individual policy. Typically, the former is the cheaper option. For instance, a teen driver in Aurora can save around $3,923, or 57%, if they choose to join a family plan over buying an individual policy.

Teen drivers should prioritize auto insurance with affordable rates, good customer service and age-specific coverages and discounts, like accident forgiveness coverage and distant student discounts.

GEICO ranked first in Aurora, driven by high scores for affordability and customer satisfaction. The company also offers discounts specifically for young drivers. However, it isn’t as impressive in categories like claims management and add-on coverage options.

The best auto insurance options for senior drivers in Aurora are:

• American National: MoneyGeek score of 83 out of 100 ($586 per year)
• American Family: MoneyGeek score of 67 out of 100 ($932 per year)

Receiving a perfect affordability rating and a strong customer satisfaction score, American National ranks first for senior drivers in Aurora. Policyholders can find important add-on coverages and expect affordable prices.

Generally, drivers in their 60s pay similar premium rates to those in their 30s through 50s. However, prices tend to increase once they’re in their 70s. If you prioritize affordability, you can find cheap car insurance for seniors by shopping around and comparing rates from multiple insurance providers.

Typically, car insurance rates for seniors in their 60s are lower since they’re considered safe drivers. However, seniors tend to be more prone to suffering serious injuries in an accident.

When looking for the best auto insurance company, it would be best to find one that offers personal injury protection (PIP) or medical payments coverage. You should also consider discounts useful for seniors, such as those for defensive driving.

American National is MoneyGeek’s top pick for senior drivers in Aurora. It earned a perfect affordability score and recorded one of the highest coverage ratings.

The best car insurance for drivers with poor records in Aurora is from:

• American National: MoneyGeek score of 83 out of 100 ($884 per year)
• American Family: MoneyGeek score of 75 out of 100 ($1,226 per year)

American National ranked first in the affordability category, scoring a perfect rating. It has the third-highest satisfaction rating in the city. If you’re looking for a company that offers cheap policies without sacrificing good customer service, this company may be for you.

Car insurance rates are higher for drivers with traffic violations, with more severe offenses usually resulting in higher increases. For instance, the cost of a full coverage policy in Aurora averages $1,103 per year. A DUI will increase the premium to roughly $1,850. Meanwhile, a speeding ticket will cause the annual premium to increase to an average of $1,449.

For drivers with on-record violations, an insurance company can be a good option if it offers reasonably priced policies, opportunities for discounts and useful coverages.

American National is an example. It has good customer service and the cheapest car insurance rates for drivers with poor records in Aurora. Although it has fewer coverage offerings than some other providers in the city, you can still find several important add-on coverages.

The best insurance companies for Aurora drivers with new cars are:

• Allstate: MoneyGeek score of 51 out of 100 ($1,631 per year)
• Kemper: MoneyGeek score of 50 out of 100 ($1,488 per year)

These scores are based on affordability and service quality for drivers who own a 2022 model car in Colorado. Only insurance companies offering new or better car replacement coverage were included in the ranking.

New car replacement coverage pays for the full cost of buying a new car of the same make and model if the covered car gets totaled. Better car replacement is a better version as it allows the policyholder to upgrade the car to a newer model.

In Aurora, Allstate is the top choice for drivers with new cars. The company got the highest satisfaction rating and coverage score.

When choosing an auto insurance company, it’s best for drivers with new cars to choose one that offers new or better car replacement coverage. These offer additional financial protection suitable for recently purchased vehicles.

For Aurora drivers, the best option is Allstate. The company offers new car replacement coverage and has the highest satisfaction and coverage scores.

That said, Allstate isn’t the cheapest option in the city. Among companies offering new or better car replacement coverage, Kemper has lower prices. Several companies also scored better than Allstate in our overall analysis. However, they weren’t included in this category because they didn’t offer new car replacement coverage.

The best car insurance in Aurora depends on individualized factors and personal preferences. MoneyGeek answers some of the most common questions to help you in making an informed decision.