Aurora drivers pay an average of $132 per month for full coverage car insurance. Rates range from an affordable $130 to a steep $460, depending on various factors. To help drivers better understand potential costs, the table below shows average car insurance rates for different driver profiles.
Aurora, CO Car Insurance
Updated: December 30, 2024
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Cheapest Car Insurance in Aurora: Key Takeaways
In Aurora, American National P&C, GEICO and Auto-Owners are recognized as the most affordable car insurance providers, each offering competitive rates for various driver profiles.
American National P&C offers the cheapest car insurance in the city, with rates of $31 per month for minimum coverage and $75 for full coverage, making it a top choice for budget-conscious drivers.
On average, car insurance costs in the city are $60 per month for minimum coverage and $132 for full coverage. These rates can vary based on individual driver profiles and circumstances.
Car Insurance Quotes in Aurora, CO
| Young Drivers | $74 | $163 |
| Teens | No Data | $460 |
| Seniors | $61 | $125 |
| Drivers With a Speeding Ticket | $76 | $164 |
| Drivers With a DUI | $102 | $214 |
| Drivers With An Accident | $91 | $192 |
| Bad Credit | $100 | $228 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Aurora vs. State Average
Colorado
State Average Full Coverage Rate
$1,415
Aurora, CO
City Average Full Coverage Rate
$1,579More:$164 more
This is 12% more expensive.
What Is the Average Car Insurance Rate in Aurora?
In Aurora, the average cost for state minimum coverage is $719 per year, while full coverage costs $1,579 annually. These rates are higher than Colorado's averages, where state minimum coverage is $626 and full coverage is $1,415 per year.
| State Average | $610 | $1,363 |
| Aurora Average | $701 | $1,523 |
Cheapest Car Insurance Companies in Aurora
While premiums may be rising across the Centennial State, you can still find affordable car insurance in Aurora. American National P&C offers the cheapest minimum coverage at $31 per month. For full coverage, they also provide the best rate at $75 monthly.
WHY CAR INSURANCE IN AURORA IS EXPENSIVE
Car insurance in Aurora can be pricey due to factors like traffic density and accident rates. It ranks as one of the more expensive cities in Colorado for car insurance. Statewide, costs are driven up by a high number of uninsured drivers, frequent personal injury lawsuits, and insurance fraud.
Cheap Car Insurance in Aurora
American National P&C often offers the cheapest car insurance, but rates vary by driver. To find the most affordable option, get quotes from several providers. Below is a table with the cheapest car insurance rates for different driver profiles.
| Colorado Farm Bureau | Minimum Coverage | $28 |
| Colorado Farm Bureau | Full Coverage | $71 |
| Auto-Owners Insurance Co | Teens | $287 |
| American National P&C | Young Adults | $66 |
| American National P&C | Seniors | $55 |
| GEICO | Bad Credit | $87 |
| Colorado Farm Bureau | Drivers With a DUI | $67 |
| Colorado Farm Bureau | Drivers With An Accident | $62 |
| Colorado Farm Bureau | Drivers With a Speeding Ticket | $62 |
Car Insurance Rates in Aurora by Company
Car insurance prices vary, so to find Aurora's most affordable options, compare rates from different companies. Below, we detail the cheapest plans for minimum coverage and full coverage car insurance.
Cheapest Car Insurance Companies for Minimum Coverage in Aurora
American National P&C offers the cheapest minimum coverage auto insurance at $31 per month, followed by GEICO at $35. For more details, see the breakdown of the cheapest options in the table below.
| American National P&C | $31 | $29 |
| GEICO | $35 | $24 |
| Progressive | $41 | $19 |
| Colorado Farm Bureau | $42 | $18 |
| American Family | $46 | $13 |
| Acuity | $49 | $11 |
| Auto-Owners Insurance Co | $56 | $4 |
Cheapest Car Insurance Companies for Full Coverage in Aurora
American National P&C offers the cheapest full coverage car insurance in Aurora at $75 per month. Below is a list of all providers and their rates.
| American National P&C | $75 | $56 |
| GEICO | $85 | $47 |
| Acuity | $108 | $23 |
| Progressive | $115 | $17 |
| American Family | $116 | $16 |
| Auto-Owners Insurance Co | $118 | $14 |
| Colorado Farm Bureau | $124 | $8 |
Car Insurance Companies in Aurora
To find the cheapest car insurance in Aurora, get quotes from several companies in the area. American National P&C offers the lowest rate at $638 annually. Acuity is the best affordable provider with a MoneyGeek score of 92. Check the table below for more options in your search.
| Acuity | 91 | $942 |
| American National P&C | 78 | $638 |
| American Family | 76 | $974 |
| Auto-Owners Insurance Co | 75 | $1,045 |
| GEICO | 66 | $721 |
| State Farm | 66 | $1,202 |
| Progressive | 63 | $933 |
| Farmers | 57 | $1,231 |
| Allstate | 52 | $1,339 |
| Nationwide | 52 | $1,719 |
| Kemper | 49 | $1,368 |
| Colorado Farm Bureau | No Data | $596 |
| Farmers Union Insurance | No Data | $1,749 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Aurora by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,523 per year for 40-year-olds and $1,501 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,069 | $-768 |
| 17 | $3,052 | $-752 |
| 18 | $2,616 | $-315 |
| 19 | $2,482 | $-181 |
| 20 | $2,599 | $-299 |
| 21 | $1,963 | $338 |
| 22 | $2,175 | $126 |
| 23 | $2,224 | $77 |
| 24 | $2,116 | $185 |
| 25 | $1,954 | $-474 |
| 40 | $1,523 | $-42 |
| 65 | $1,501 | $-20 |
Cheapest Car Insurance for Teens in Aurora
Kemper offers the cheapest overall car insurance for teens in Aurora at $137 per month, saving $96 compared to the state average. The table below also breaks down some of the most affordable providers for this age group.
| Kemper | $137 | $96 | $479 |
| GEICO | $157 | $77 | $424 |
| Allstate | $183 | $51 | $421 |
| State Farm | $222 | $12 | $294 |
| Nationwide | $237 | $-3 | $450 |
| Auto-Owners Insurance Co | $263 | $-29 | $287 |
| Progressive | $335 | $-101 | $592 |
| Farmers | $337 | $-103 | $729 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Aurora
In Aurora, American National P&C offers the best minimum coverage rates at $37 per month and the most affordable full coverage at $94 per month. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| American National P&C | Minimum Coverage | $37 |
| American National P&C | Full Coverage | $94 |
| GEICO | Bad Credit | $99 |
| American National P&C | Drivers With a DUI | $103 |
| American National P&C | Drivers With An Accident | $91 |
| American National P&C | Drivers With a Speeding Ticket | $78 |
Cheapest Car Insurance Companies for Young Drivers in Aurora
American National P&C offers the most affordable auto insurance for young drivers at $66 per month. Other companies with competitive rates include GEICO and Progressive. The table below shows other companies with competitive rates.
| American National P&C | $66 | $57 |
| GEICO | $68 | $55 |
| Progressive | $95 | $28 |
| American Family | $101 | $22 |
| Acuity | $112 | $11 |
| Auto-Owners Insurance Co | $119 | $4 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Aurora
American National P&C and GEICO offer the most affordable car insurance options in the city. However, your rates may differ based on factors like driving history and credit. The table below shows the cheapest providers for different driver and coverage profiles that may better fit you.
| American National P&C | Minimum Coverage | $35 |
| American National P&C | Full Coverage | $75 |
| GEICO | Bad Credit | $91 |
| American Family | Drivers With a DUI | $83 |
| American National P&C | Drivers With An Accident | $78 |
| American National P&C | Drivers With a Speeding Ticket | $66 |
Cheapest Car Insurance Companies for Seniors in Aurora
American National P&C offers the cheapest monthly premium for seniors when considering both minimum and full coverage at $55. GEICO is the second most affordable option at $63 per month. The table below shows options of the top car insurance providers for seniors in Aurora.
| American National P&C | $55 | $41 |
| GEICO | $63 | $34 |
| American Family | $71 | $25 |
| Progressive | $77 | $20 |
| Auto-Owners Insurance Co | $81 | $16 |
| Acuity | $83 | $14 |
| State Farm | $92 | $4 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Aurora
In Aurora, high-risk driver profiles show that both minimum and full coverage rates are lower than the state average. Minimum coverage costs $1,098 yearly, while full coverage is $2,348. Drivers with bad credit and DUIs face the highest rates. Meanwhile, accidents and speeding tickets don't hike rates as much, making them a slightly lesser concern for Aurora drivers.
| State Average | $952 | $2,091 |
| Aurora Average | $1,098 | $2,348 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
In Aurora, minor driving incidents like a not-at-fault accident or a speeding ticket typically stay on your insurance record for three to five years. For more severe offenses such as a DUI, insurers may consider them for up to ten years, and you might need to file an SR-22 car insurance or what is FR-44 insurance to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Aurora
American National P&C offers the cheapest minimum coverage for drivers with a DUI at $604 annually in Aurora. For full coverage, Progressive provides the best rate at $1,626 per year. Check out the table below to see more options for low-cost coverage.
| American National P&C | $50 | $114 |
| American Family | $53 | $133 |
| Progressive | $48 | $136 |
| State Farm | $67 | $154 |
| Colorado Farm Bureau | $62 | $156 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Aurora
American National P&C, Colorado Farm Bureau, and American Family are the three cheapest car insurance providers for those with an at-fault accident record in Aurora. When searching for the cheapest auto insurance after an at-fault accident, these companies offer competitive rates. Below is a table showing different providers in Aurora offering affordable car insurance coverage for drivers with an at-fault accident violation.
| American National P&C | $44 | $103 |
| American Family | $53 | $138 |
| GEICO | $59 | $150 |
| Colorado Farm Bureau | $53 | $154 |
| Progressive | $69 | $189 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Aurora
American National P&C is the cheapest car insurance provider for drivers with a speeding ticket, offering rates of $37 for state minimum coverage and $89 for full coverage in Aurora. Check the table below to see how other providers charge drivers with a speeding ticket on their record.
| American National P&C | $37 | $89 |
| GEICO | $43 | $107 |
| American Family | $53 | $133 |
| Colorado Farm Bureau | $55 | $148 |
| Progressive | $53 | $151 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Aurora
GEICO offers the most affordable rates for drivers with bad credit in Aurora, with monthly minimum coverage at $49 and full coverage at $125. See the table below for other affordable options.
| GEICO | $49 | $125 |
| Acuity | $76 | $167 |
| American Family | $76 | $180 |
| Progressive | $62 | $194 |
| Colorado Farm Bureau | $83 | $249 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Aurora, CO
In Colorado, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $15,000 for property damage liability per accident.
Uninsured/underinsured motorist, personal injury protection, medical payments, and death liability coverages are not required.
For example, if you're in an accident causing $10,000 in property damage, your minimum coverage will handle the costs, keeping you compliant with the state's requirements.
Cheap Car Insurance in Aurora: Bottom Line
American National P&C shines as Aurora's cheapest car insurance for both minimum and full coverage. No matter your age or credit, you'll find competitive rates to suit your budget. Make sure you have Colorado's required coverage, which includes protection for injuries and property damage. Compare and save—get the best price for the coverage you need by law.
Aurora Auto Insurance: FAQ
This section provides quick answers to common questions about finding the cheapest and best car insurance options in Aurora.
What is the cheapest car insurance company in Aurora, Colorado?
American National P&C offers the cheapest car insurance in Aurora, Colorado, with rates starting at $31 for state minimum coverage.
What is the best car insurance company in Aurora, Colorado?
Colorado Farm Bureau is the top car insurance provider in Aurora, with an annual premium for state minimum coverage at $993.
How much does car insurance cost on average in Aurora?
In Aurora, car insurance rates for state minimum coverage can range from $60 to $104 per month.
Best Cheap Car Insurance in Aurora: Our Methodology
MoneyGeek conducted an analysis of Aurora auto insurance prices using data from the Colorado Division of Insurance and Quadrant Information Services.
Aurora Driver Profile
To assess the best and most affordable auto insurance options for Aurora residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Aurora
In assessing the car insurance quotes for Aurora, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Colorado's mandated liability insurance parameters:
The minimum coverage requirements in Colorado are:
- $25,000 for bodily injury liability per person.
- $50,000 for bodily injury liability per accident.
- $15,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
For more information on how these scores were calculated, see MoneyGeek's methodology.
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Colorado providers, MoneyGeek utilized several sources:
- Quadrant Information Services provided actual policy quotes in Aurora
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated insurance companies in Aurora.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.