Best Arvada, CO Auto Insurance in 2024 (Save With These 10 Companies)

Progressive, Nationwide, and State Farm are the top three best auto insurance companies in Arvada, CO. Minimum coverage starts at $42/month.

Colorado auto insurance requires a base coverage (25/50/15) for all residents (more information below). Some of the best Arvada, CO car insurance companies offer affordable premiums.
Our Top 10 Company Picks: Best Arvada, CO Auto Insurance

Want cheap auto insurance in Arvada, CO? We can help you find affordable coverage in Colorado. All you need to do is enter your ZIP code above into our comparison tool—it’s that simple!

#1 – Progressive: Best for Competitive Rates

Pros

• Competitive Rates: Drivers with good credit and driving records can expect great rates, making it appealing in areas like Arvada, Colorado.
• User-Friendly Mobile App and Website: The flexibility of online access allows customers to easily manage bills and policies and ask for support for claims 24 hours a day, 7 days a week.
• Snapshot Program: This allows safe drivers to get lower premiums in the future based on their driving habits in Arvada, CO, which can benefit responsible drivers who follow the rules of the road.
• Discounts, Discounts, Discounts: Progressive discounts are helpful for those looking to lower their premiums. For more on their discounts, check out our Progressive auto insurance review.

Cons

• Snapshot Could Increase Premiums: The Snapshot program could see how an Arvada driver’s risky or inconsistent driving patterns can increase premiums.
• Limited Local Presence: Although Progressive has solid online support, its lack of a local presence in Arvada may make it harder to support people who prefer a face-to-face approach.
• Pricing Variability: Rates can vary as premiums are highly customized. Therefore, some discounts and coverage may not be available to specific Arvada customers, leading to higher rates.

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#2 – Nationwide: Best for Simple Claims

Pros

• Simple Claims: Nationwide’s solid financial foundation offers peace of mind that claims will be paid simply and reliably. To learn more, read our Nationwide auto insurance review.
• Vanishing Deductible: Nationwide’s Vanishing Deductible program rewards safe drivers by reducing the deductible amount for each year without an accident, which can be a valuable perk.
• On Your Side Review: Nationwide’s “On Your Side” review is a free service where an agent reviews your coverage and looks for potential discounts, helping you adjust policies to your changing needs.

Cons

• Mixed Customer Service Reviews: While Nationwide has robust coverage options, some customers have reported dissatisfaction with claims processing and customer service responsiveness.
• Discounts May Vary by Location: Nationwide’s discounts and rates can vary significantly by location, so the discounts advertised may not be as impactful for all drivers in Arvada.

#3 – State Farm: Best for Customer Service

Pros

• Great Customer Satisfaction: State Farm has high customer satisfaction ratings, particularly for claims service, which can be reassuring for drivers who value a smooth claims experience.
• Strong Local Presence:State Farm has an extensive network of local agents, so drivers in Arvada can enjoy in-person assistance and personalized service. Check out the State Farm auto insurance review to learn more.
• Competitive Rates for Many Driver Profiles: State Farm’s rates are competitive for those with good driving records, young drivers, and students, often making it a cost-effective option for families.

Cons

• Higher Rates for Some Risk Profiles: State Farm’s rates for drivers with lower credit scores or those with at-fault accidents can be higher than those of other insurers.
• Discounts May Not Be as Extensive as Competitors: Although State Farm offers standard discounts, it might not provide as many niche discounts as other companies.

#4 – Geico: Best for Low Deductibles

Pros

• Variety of Discounts: Geico offers many discounts, including multi-policy, good student, military, federal employee, and low deductibles. This variety can help reduce costs for many types of drivers.
• Quick Online Quotes and Fast Service: Geico’s online quote system is quick and straightforward, allowing potential customers to get estimates and make purchasing decisions faster than many competitors.
• Emergency Roadside Assistance: Geico offers affordable roadside assistance coverage in Arvada for flat tires, towing, lockouts, and other roadside incidents.

Cons

• Fewer Customizable Options: Geico’s policies may lack some of the specialized coverage options found with other insurers, like custom parts coverage or rideshare insurance.
• Mixed Satisfaction for Claims Service: Some customers report challenges with the claims process, especially for more complex claims in Arvada. Read the Geico auto insurance review for more information.

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#5 – Liberty Mutual: Best in Diverse Coverage

Pros

• Customizable Coverage Options:Liberty Mutual offers different coverage options, including new car replacement, accident forgiveness, and better car replacement.
• Unique Add-Ons:Features like new car replacement and better car replacement are helpful for those with newer vehicles, as they help cover the cost of a new car if your vehicle is totaled soon after purchase.
• Usage-Based Program (RightTrack®): Liberty Mutual’s RightTrack®program rewards safe Arvada drivers by offering discounts based on good driving habits.

Cons

• Premium Increases After Claims: Expect Liberty Mutual premiums to increase after claims, even for minor incidents. Read more on their premium prices with the Liberty Mutual auto insurance review.
• Potentially Higher Rates: Liberty Mutual’s rates are often higher than those of some other significant insurers, particularly for Arvada drivers without perfect driving records or those not qualifying for many discounts.

#6 – Farmers: Best for Safe Driving Discounts

Pros

• Diverse Discount Opportunities: Farmers provide several discounts, allowing drivers to maximize savings. Check out the Farmers auto insurance review to see what deals are available.
• Claim Forgiveness and Accident Forgiveness Options: Farmers offer options like claim forgiveness and accident forgiveness to help prevent rate increases after a minor claim, which benefits Arvada drivers wanting stable premiums.
• Signal® by Farmers (Usage-Based Discount Program): Farmers’ telematics program offers discounts based on safe driving habits, which can benefit responsible drivers and potentially lower premiums.

Cons

• Signal® Privacy Concerns: Signal® requires driving behavior monitoring, which may feel invasive for some drivers. Read the Farmers Signal App review to learn more about their telematics program.
• Higher Premiums: Farmers often have higher-than-average premiums than other major insurers, which can be a drawback for budget-conscious drivers or those with less-than-perfect driving records.

#7 – Allstate: Best for Claims Satisfaction

Pros

• Claims Satisfaction Guarantee: Allstate offers a refund part of the premium if a customer is unsatisfied with how a claim was handled. To read more, read the Allstate auto insurance review.
• Drivewise® Program: Allstate’s telematics program rewards safe driving habits, potentially reducing premiums for drivers who avoid speeding, hard braking, and night driving.
• Strong Customer Service: Allstate has an extensive network of local agents, so Arvada residents can often find a nearby office for in-person assistance and advice.

Cons

• Mixed Claims Satisfaction: While Allstate generally has good customer service ratings, some customers report delays or difficulties processing claims.
• Telematics Can Raise Premiums: If drivers have aggressive driving habits, the Drivewise® program might increase their rates, which may not be ideal for all.

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#8 – American Family: Best for Loyalty Rewards

Pros

• Generous Discounts: AmFam offers various discounts, including multi-policy discounts, safe driver, loyalty, and young driver discounts, which help to reduce premiums for qualifying customers.
• MyAmFam Mobile App: The app offers policy management and claims tracking through digital ID cards, claims filing, roadside assistance, and more. Read the AmFam auto insurance review for more information.
• KnowYourDrive Telematics Program: KnowYourDrive rewards safe driving habits, potentially lowering premiums. It offers instant feedback on driving habits, which can encourage safe driving behavior.

Cons

• Inconsistent Discounts: Depending on location within Arvada or eligibility requirements, some discounts may not be available to all customers, so not all drivers will benefit equally.
• KnowYourDrive Can Raise Rates: As with any telematics program, drivers who exhibit risky behaviors may increase their rates, which might not be ideal for everyone.

#9 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance Membership: AAA’s auto insurance membership options include its renowned roadside assistance, which is helpful for Arvada’s traffic in case of a breakdown.
• Safe Driver & Telematics Program: Some branches offer a telematics program that can reward safe driving behaviors in Arvada. Read more with the AAA auto insurance review on their program.
• Good Customer Service Reputation: AAA is praised for its customer service, with local agents providing personalized support. This can be a plus if you prefer working with someone in person in Arvada.

Cons

• Coverage Variability by Region: AAA operates through regional clubs, so coverage options, discounts, and policies can differ depending on the region or local AAA club.
• Not Ideal for High-Risk Drivers: AAA may have higher rates or limited options for high-risk drivers, so it might not be the best choice if you have a history of accidents or violations.

#10 – The Hartford: Best for Exclusive Benefits

Pros

• Exclusive Benefits for AARP Members: Hartford’s partnership with AARP offers discounts, lifetime renewability, and extra benefits like RecoverCare.
• Accident Forgiveness: For eligible policyholders, Hartford offers accident forgiveness, which prevents premium increases after a first accident if you maintain a clean driving record.
• “Disappearing Deductible” Program: This program reduces your deductible for each year you drive without an accident, helping lower out-of-pocket expenses in case of a future claim.

Cons

• Not Always the Cheapest Option: Hartford’s premiums can be higher for younger people and those of other budget-orientated insurers. Check out The Hartford auto insurance review for more.
• Benefits Can Vary by State: Some of Hartford’s coverage options and benefits vary depending on state regulations, so it’s essential to confirm what is available in Colorado.

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Auto Insurance Coverage Requirements in Colorado

Technically, you don’t have to purchase any of the coverages or amounts on the right side of the table below to be able to drive in Colorado. Driving legally in Arvada requires:
Auto Insurance Coverage Requirements in Colorado

However, you’ll likely be financially responsible if you cause an accident, have your vehicle stolen, or suffer damage from a severe storm.

However, many motorists find that a compromise between the minimum insurance coverage and the comprehensive above is an affordable way to protect themselves in many different situations.

Arvada, CO Auto Insurance Monthly Rates by Provider & Coverage Level

Colorado has some pretty reduced rates. The typical monthly average premium for many motorists is about $136. However, Arvada motorists can beat even this low cost—how do you want to pay less than $30/mo*? You can do that with Geico and AAA, which have minimum coverage.

Average Monthly Auto Insurance Premiums

Erie, Geico, and USAA offer reduced monthly Arvada, CO auto insurance rates. But when you are considering switching companies, take some time to discover what else they need to offer. Ultimately, customer support and efficient claims processing are essential for the insurance coverage experience.

Premiums differ among Arvada, CO auto insurance companies. Compare cheap Arvada motor vehicle insurance premiums online to ensure you still pay the lowest-cost fee. You can also use our comparison tool below to find quotes quickly.

Major Factors in Cheap Auto Insurance in Arvada, Colorado

Each time your vehicle insurance agency prepares to craft your plan, they consider many factors. A few of these affect your insurance premiums, such as credit history or your particular location, and can be improbable to vary. Here are various other examples:

Your ZIP Code

Auto insurance companies need to know your location (or where you will probably be driving a vehicle, usually) to evaluate the prospect of an accident.

The whole thing amounts to a simple principle: the larger the populace, the greater the number of automobiles on the road, and the more chances you could have an accident. The population of Arvada is 106,433, and the common family earnings are $66,378.

Automotive Accidents

Did you know that insurance companies tend to offer their lowest rates to motorists who live in the safest cities? And the roads of Arvada, with its low rate of fatal accidents, make it one of those safe cities. You may already be getting lower rates automatically.

Fatal Accidents in Arvada, CO

However, if you get involved in an automotive accident, expect an increase in your insurance premium. Even if you were not the one driving, another driver would crash your car. There could be a minor change to the overall premium.

Auto Thefts in Arvada

Acquiring cheap auto insurance in Arvada can be difficult if you are at risk for auto theft. Certain popular car or truck models are alluring to thieves, as are automobiles often left in huge metropolitan areas. The total number of thieved cars in 2013 dropped to 207 for Arvada.

Ensure you have a safe location to park your vehicle and an anti-theft device discount to reduce your premiums further, as vehicle safety can affect your premiums.

Your Credit Score

In certain states, you will find car insurance companies that provide clients rest and charge more sensible rates (for example, USAA or Erie within the chart below) for getting a minimal credit rating.

Auto Insurance by Credit Score

Many companies, however, charge you drastically more significant premiums for getting under perfect credit, so to understand more, check how credit score affects insurance premiums.

Your Age

Inexperienced drivers are usually younger drivers. Teenagers are high-risk drivers because they’re more prone to accidents. So searching for car insurance for teenagers is slightly different from our main list as it may not be the best due to their age.

But if you are like the majority of motorists, you most likely have a couple of annoying citations on your record that are making your payments irritatingly costly.

Auto Policy Age Comparison

As you can see in the table above, the six lower insurance companies listed have lower overall rates than those above them. It’s essential to search for the correct insurer for your age. The best way to do that is to enter your ZIP code below into our comparison tool.

Your Driving Record

Serious driving violations make it difficult, otherwise impossible, to locate affordable coverage. But if you are like most motorists, you most likely have a couple of annoying citations on your record that are making your payments irritatingly costly.

Driving Violations

The table above shows the violations and the expected premium increase. Being a high-risk driver can significantly increase your premiums; it’s always worth following the rules of the road or suffering the consequences to your finances.

Your Vehicle

If you are likely to buy a costly luxury vehicle, you must purchase a luxury automobile insurance plan to protect it from all kinds of incidents.

Car Insurance by Make/Model

Anything under high levels of various sorts of coverage (comprehensive, collision, UM/UIM, etc), and you’ll have to assist your insurance provider in purchasing repairs, damages, hospital bills, or changing your automobile.

Minor Factors in Cheap Car Insurance in Arvada, Colorado

Married couples can get substantial discount rates by bundling multiple insurance plans together, but not just vehicle insurance; homeowners, motorcycles, and other insurance plans can also be bundled for more discounts.

More than 82% of Arvada residents depend on their truck or car as their primary means of commuting, which could explain why insurance rates are so high. It might also explain the traffic problems: average commutes typically last 20-25 minutes, with 30-35-minute commutes also highly likely. Less than 5% of drivers carpool.

If you can avoid insuring your automobile for business use, it’s well worth the effort since that coverage costs around 10-12% more than personal-use automobiles. Also, your yearly miles don’t matter what you think they are doing. A 5,000-mile difference will not improve your premiums by over 3-4%.

Basic vs. Comprehensive Auto Policy

Are you aware that modifying your deductible can drastically change your monthly premium? Most motorists will likely choose to raise their deductible since it can help eliminate the price of their monthly repayments.

Remember that when the worst happens, you’ll have to pay that greater deductible before your insurance provider will give you any financial help. Make sure your coverage is also what you need as the difference between comprehensive and collision insurance is substantial if you want more protection.

Auto Insurance Discounts From the Top Providers in Arvada, CO

There are also many types of car insurance discounts available with different providers. The table above tells you what discounts some of the available insurers can provide if you’re eligible for the discounts.

Nearly 26% of all Arvada residents have earned a high school diploma, while an impressive 20% have also completed a college degree successfully. If you are a member of this highly educated group, you can use your degree to get lower rates on your insurance policy. The more education you have, the higher the discount you should be eligible for.

You can pursue many different educational opportunities if you live in Arvada. At Regis University, you can earn a 4-year degree in one of several fields or even a master’s in business administration. And for a helpful degree in less time, aspiring students might want to look into Red Rocks Community College or Heritage College.

It would be best if you didn’t let an undesirable automobile insurance provider persuade you to purchase a motor vehicle insurance policy that is not right for you; if you need good student discounts, look at our list above or use our comparison tool below. Sure, the quantity of information required to assess your personal risk profile can be overpowering.

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The Best Arvada, CO Auto Insurance For You

So many different insurance providers offer various coverage options for what you need. The standard coverage types are all there, but you need to dig deeper to see what benefits you can get from each provider. These benefits could be anything from discounts to add-ons that could replace your car or free repair services.

You need to search with different providers and ask their agents to see what is on offer and what they can provide for you. The best place to start for your car insurance quotes in Arvada, CO, is by entering your ZIP code below and using the comparison tool to get your insurance premium instantly.