Best Auto Insurance Rates in Aurora, Colorado

On average your neighbors pay $71 a month

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Compare Auto Insurance in Aurora

Friday, November 9 2018 By Shantae Young

Aurora is the third largest city in the state of Colorado. It has an estimated population of over 350,000 residents. It's also the home of Buckley Air Force base. More people in the city means more people on the roads. This can have a big impact on your car insurance rates.

Average Aurora Car Insurance Rates

How much is car insurance in Aurora, CO? The average cost for auto insurance in Colorado is $857.44. The national average cost is $889.01 per year.

Prices may vary depending on a driver’s policy limits, coverage, and the number and type of claims filed in their zip code.

Colorado Average Annual Car Insurance Rates
Coverage Rates
Liability $520.04
Collision $287.00
Comprehensive $174.61
Total Cost Per Year $857.44
Price Per Month $71.45
Source: Facts + Statistics: Auto insurance

The graph below shows the change in Colorado's average auto insurance rate from 2011 to 2015, the most recent year the data is available. According to the III, Colorado car insurance rates increased from $723 in 2011 to $857 in 2015, a jump of $133, or 18.49 percent.

Colorado average car insurance rates

QuoteWizard helps Aurora residents compare quotes from both national insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Aurora, Colorado and save up to 40% on your premium.

Last year, 11,358 people used QuoteWizard to get an auto insurance quotes comparison in Aurora, CO from multiple companies to find your best rates.

Best Car Insurance Companies in Aurora, CO

This is our list of the most common car insurance companies reported by QuoteWizard users living in Aurora, Colorado last year.

  1. State Farm
  2. GEICO
  3. Progressive
  4. Allstate
  5. Farmers
  6. Esurance
  7. American Family
  8. Liberty Mutual
  9. USAA
  10. Nationwide

Top 10 Vehicles

These are the most common car makes and models owned by Aurora, CO drivers requesting quotes through QuoteWizard last year.

  1. Ford F150
  2. Ford Explorer
  3. Honda Accord EX/LX
  4. Chevrolet Impala
  5. Jeep Grand Cherokee Laredo
  6. Toyota RAV4
  7. For Taurus SE
  8. Chevrolet Blazer
  9. Jeep Grand Cherokee Limited
  10. Chevrolet Malibu

Minimum Car Insurance Requirements in Aurora, CO

Aurora, Colorado drivers that requires carry minimum liability coverage requirement known as the 25/50/15 rule. This means each driver's policy must include at least:

  • Individual Bodily Injury Liability (BIL): $25,000.
    The maximum amount your insurance company will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $50,000.
    The total your insurance company will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $15,000.
    The most your insurance company will pay for property damage caused by a car accident.

Aurora Drivers

According to Allstate's America's Best Drivers Report, Aurora ranked 134th out of 200 cities. While most US drivers go ten years without having an accident, drivers here are involved in crashes every 8.1years.

Driving Conditions

The weather, driving, and road conditions can influence your insurance rates.

Weather

Aurora weather is mild and semi-arid. Summers are generally warm and long, with over 246 sunny days per year. Winters are chilly and can be quite cold at times, with lows getting down to 16 degrees but rarely staying there for long. Aurora averages only 15.5 inches of rain per year but thanks to its high elevation, Aurora receives around 63 inches of snow.

Road Conditions

Tripnet.org reports that 40 percent of Colorado's major roads are in poor or mediocre condition. This costs drivers statewide $1.9 billion in extra vehicle operating costs. This works out to $468 per motorist each year.

Traffic Congestion

Traffic data provider Inrix has created a traffic scorecard that ranks US cities by their traffic congestion. Denver-Aurora ranked 19th worst US city for traffic congestion. According to Inrix, commuters spent 49 hours stuck in congestion last year, and wasted 24 gallons of gas, costing commuters an average of $1,101.

Moving Violations

Moving violations like speeding tickets, running a red light, and causing accidents are almost guaranteed to raise your auto insurance rates. The reason is that when you get a ticket, it can remain on your driving record for three years.

If you get too many tickets, and the points add up, your insurance company may take notice. If they see a lot of points on your history, they could go as far as changing your status from preferred to non-standard. This is their way of telling you they think you're a risk. When this happens, expect to be switched to a high-risk auto insurance policy.

Traffic Tickets

The City of Aurora website allows you to pay traffic summonses (yes, it’s a word) and parking tickets, tells drivers how to dispute tickets, and provides helpful traffic court information.

Aurora Police issued a 53,708 total parking and traffic tickets in 2014, a 6.6% increase from the 50,362 total tickets issued in 2013.

DUI and DWAI Arrests

Aurora Police made 2,269 arrests for suspicion of driving under the influence in 2014, which is identical to the 2,270 DUI arrest made in 2013.

SR-22 DUI & DWAI Insurance

A DUI or DWAI conviction may require you to obtain an SR-22 form. Get a quote and we'll connect you with local agents from top companies that specialize in Aurora DUI/DWAI insurance.

Car Accident Statistics

Aurora reported 11,820 car accidents in 2014. This a 7.3% increase from the 11,012 accidents reported in 2013.

Traffic Fatalities

Aurora Police reported 18 motor vehicle crash deaths in 2013 and 2014. With Aurora’s estimated population of 361,710, it is a safe American city in terms of traffic fatalities.

Vehicle Theft Rates

Aurora reported 1,261 vehicle thefts in 2016. This is a rate of 3.51 for every 1,000 residents.

Car Insurance Discounts

If you want to find affordable car insurance, discounts are one of the best ways to lower your rates. Below are only some of the auto insurance discounts available to drivers in Aurora, CO.

  1. Bundle your auto policy with your homeowners, renters, or life insurance. Bundling is one of the best discounts because can save you more than any other single discount. Bundling insurance policies together under one insurer can knock as much as 20% off your premium
  2. Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  3. Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  4. Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  5. Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  6. Are you married or getting married soon? Some insurers offer drivers a marriage discount

Sources:

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