State Farm has the cheapest car insurance in Aurora, Colorado. According to our 2022 survey of car insurance quotes, the company charges an average of $100 per month for minimum coverage.
For full-coverage car insurance, State Farm also leads the way in Aurora, with an average monthly premium of $114.
Progressive and GEICO are the next-best options for Aurora drivers. Progressive offers a minimum-coverage rate of $126 and a full coverage-rate of $146. For GEICO, those numbers are $132 and $161, respectively.
In this article
Who has the cheapest car insurance in Aurora, Colorado?
The cheapest car insurance rates in Aurora come from State Farm, which charges just $100 a month for state-minimum coverage.
State Farm’s rates are almost half the average citywide cost, which is $179 per month. Many other providers, such as Progressive, GEICO and Allstate, also offer premiums below the city average.
USAA offers a competitive rate of $130, too, but only for those who qualify. The group’s policies are reserved for former or active military members and their families.
| Company | Monthly rate |
|---|---|
| State Farm | $100 |
| Progressive | $126 |
| GEICO | $132 |
| Allstate | $157 |
| City average | $179 |
| Farmers | $220 |
| American Family | $274 |
| Nationwide | $293 |
| USAA | $130 |
| Rates are for minimum-coverage car insurance for a 35-year-old male with a good driving record. | |
The cheapest full-coverage car insurance in Aurora also comes from State Farm, which charges an average rate of $114 per month.
Full-coverage car insurance typically includes collision and comprehensive coverages, in addition to liability coverage. Drivers can also add other coverages for towing costs, personal injury protection (PIP) and more.
| Company | Monthly rate |
|---|---|
| State Farm | $114 |
| Progressive | $146 |
| GEICO | $161 |
| Allstate | $170 |
| City average | $200 |
| Farmers | $248 |
| American Family | $294 |
| Nationwide | $328 |
| USAA | $141 |
| Rates are for full-coverage car insurance for a 35-year-old male with a good driving record. | |
To get your best and cheapest rate for minimum or full coverage, compare car insurance quotes from multiple companies.
How much does car insurance cost in Aurora, on average?
On average, car insurance costs more in Aurora than it does statewide. The average minimum-coverage policy in Colorado costs $166 per month — in Aurora, it’s $179.
For full coverage, Aurora drivers pay an average of $200 per month, while drivers statewide pay a mean rate of $184.
Find cheap auto insurance in Aurora, Colorado
Cheapest car insurance in Aurora with violations: State Farm
The most affordable car insurance for drivers with a speeding ticket comes from State Farm. At State Farm, Aurora drivers with one speeding ticket on their record pay $124 a month for full coverage.
Beyond State Farm, drivers will also find competitive rates at Allstate and Progressive, which offer premiums of $189 and $193, respectively. USAA also offers a solid price for those who qualify.
| Company | Monthly rate |
|---|---|
| State Farm | $124 |
| Allstate | $189 |
| Progressive | $193 |
| USAA | $177 |
| Rates are for full-coverage car insurance for a 35-year-old male with one speeding ticket on his driving record. | |
Drivers with an accident on their record should also turn to State Farm. The company charges an average monthly rate of $135 for full-coverage car insurance.
That’s less than half the citywide average of $311. The next-best option for most drivers, Progressive, charges $223 per month.
| Company | Monthly rate |
|---|---|
| State Farm | $135 |
| Progressive | $223 |
| Allstate | $268 |
| USAA | $208 |
| Rates are for full-coverage car insurance for a 35-year-old male with one at-fault accident on his driving record. | |
Drivers with a DUI on their record can find affordable car insurance options at State Farm. The provider has Aurora’s best rates for drivers with a DUI, offering a monthly rate of $124 for full coverage.
In Aurora, a DUI increases a driver’s average insurance costs by over $100 a month. The citywide average for all drivers is $200 per month. But for those with a DUI, it’s $319.
| Company | Monthly rate |
|---|---|
| State Farm | $124 |
| Progressive | $177 |
| Allstate | $227 |
| USAA | $297 |
| Rates are for full-coverage car insurance for a 35-year-old male with one DUI on his driving record. | |
Where can I get cheap car insurance in Aurora for teen drivers?
State Farm has the cheapest car insurance for teen drivers in Aurora, too. For minimum coverage, the company charges $296 per month, on average.
In our survey, a “teen driver” was defined as an 18-year-old with a clean driving record — that means no accidents, tickets or other incidents.
| Company | Monthly rate |
|---|---|
| State Farm | $296 |
| GEICO | $362 |
| Allstate | $447 |
| USAA | $306 |
| Rates are for minimum-coverage car insurance for an 18-year-old male with a clean driving record. | |
For most teens, the best full-coverage car insurance rates also come from State Farm. There, it costs an average of $343 per month to insure an 18-year-old with a clean record.
That said, USAA offers better rates for those who qualify. The group charges $340 per month, less than half the citywide average of $713.
| Company | Monthly rate |
|---|---|
| State Farm | $343 |
| GEICO | $474 |
| Allstate | $500 |
| USAA | $340 |
| Rates are for full-coverage car insurance for an 18-year-old male with a clean driving record. | |
Compare car insurance quotes from top companies
Where can I get cheap car insurance in Aurora for senior drivers?
In Aurora, the best source of cheap auto insurance for senior drivers is State Farm. For a 60-year-old with a clean driving record, the company charges $93 a month for minimum coverage.
Progressive and GEICO are strong options as well. The providers offer premiums of $116 and $122, respectively.
| Company | Monthly rate |
|---|---|
| State Farm | $93 |
| Progressive | $116 |
| GEICO | $122 |
| USAA | $123 |
| Rates are for minimum-coverage car insurance for a 60-year-old male with a clean driving record. | |
The best full-coverage rates for seniors also come from State Farm. The company’s average rate of $106 per month is well below the citywide average of $178.
Again, Progressive and GEICO are the next-best choices, with policies costing $135 and $149 respectively.
| Company | Monthly rate |
|---|---|
| State Farm | $106 |
| Progressive | $135 |
| GEICO | $149 |
| USAA | $134 |
| Rates are for full-coverage car insurance for a 60-year-old male with a clean driving record. | |
What are the car insurance requirements in Aurora, Colorado?
In Colorado, all car insurance policies need at least 25/50/15 liability coverage. This state-minimum coverage includes:
- At least $25,000 for bodily injury to one person per accident
- At least $50,000 for bodily injury to all people in any one accident
- At least $15,000 for all property damage in one accident
For full-coverage car insurance, drivers typically add collision and comprehensive coverages, in addition to optional coverages for things like towing, rental cars, personal injury protection (PIP) or uninsured drivers.
No state requires full coverage, but many lenders and lessors do. It’s also never a bad idea for drivers with new or expensive vehicles.
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Aurora ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Colorado’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Sources:
Auto insurance by city
- Denver
- Aurora
- Colorado Springs
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