Best Aurora, CO Auto Insurance in 2024 (See the Top 10 Companies Here)
State Farm, Progressive, and American Family offer the best Aurora, CO auto insurance for as low as $28 monthly. Ranked among the top car insurance agencies, they provide competitive quotes, reliable customer service, and flexible coverage that suits many different types of drivers' needs in Aurora, Colorado.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Dec 12, 2024
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Full Coverage in Aurora CO
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Full Coverage in Aurora CO
A.M. Best Rating
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2,180 reviewsCompany Facts
Full Coverage in Aurora CO
A.M. Best Rating
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2,180 reviewsState Farm is the top insurance provider for the best Aurora, CO auto insurance, with high-quality protection and customer support. While State Farm holds a significant position, Geico and Progressive are also good options, as they offer competitive rates among Aurora’s cheap car insurance companies.
This article reviews several available insurance companies based on simple criteria such as coverage provided, customer service, and general affordability among car insurance providers. Read on for rate comparisons and find an auto insurance provider that works for you.
Our Top 10 Company Picks: Best Aurora, CO Auto Insurance
| Insurance Company | Rank | Bundling Discount | A.M. Best Rating | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | B | Customer Service | State Farm |
 | #2 | 12% | A+ | Safe Drivers | Progressive |
 | #3 | 20% | A | Family Coverage | American Family |
 | #4 | 15% | A | Easy Claims | Liberty Manual |
 | #5 | 10% | A++ | Military Families | The Hartford |
 | #6 | 23% | A | Solid Reputation | Nationwide |
 | #7 | 20% | A++ | Extensive Coverage | Farmers |
 | #8 | 10% | A+ | Comprehensive Plans | Allstate |
 | #9 | 25% | A++ | Low Rates | Geico |
 | #10 | 15% | A+ | Discounts Offered | AAA |
Ready to buy Aurora, CO auto insurance? You can compare cheap Aurora, CO, auto insurance by entering your ZIP code in the free comparison tool above.
- Tailored options for the best Aurora, CO auto insurance are available
- State Farm provides affordable, reliable coverage for local drivers
- Top providers in Covington offer competitive rates and reliable local service
#1 – State Farm: Top Overall Pick
Pros
- Responsive Claims Handling: State Farm is highly efficient and practical in processing insurance claims, which keeps Aurora drivers out on the road and back on track quickly.
- Diverse Policy Options: Provides many types of auto insurance policies drivers in Aurora may need. Deepen your understanding with our article titled ” State Farm Auto Insurance Review.”
- Strong Local Agent Network: Numerous local agents provide personalized support to insurance customers in Aurora.
Cons
- Average Pricing Structure: While competitively priced, some customers will also lose in pricing compared to other affordable car insurance companies in Aurora.
- Limited Digital Tools: The mobile app and online limited features may frustrate tech-savvy Aurora insurance customers.
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#2 – Progressive: Best for Safe Drivers
Pros
- Snapshot Program: Progressive has a usage-based auto insurance program that benefits Aurora’s safety-conscious drivers. Explore further details in our “Progressive Auto Insurance Review.”
- Robust Online Tools: The company provides access to several online tools, including an online quote calculator and other tools to manage insurance policies, which are helpful for Aurora residents.
- Flexible Payment Options: It offers different kinds of payment schemes to help the Aurora driving population manage their car insurance costs.
Cons
- Potential for Higher Rates: Some Aurora motorists may be charged a higher auto insurance rate for being involved in accidents in the past.
- Complex Pricing Models: Pricing structures may confuse some Aurora customers regarding all their auto insurance costs.
#3 – American Family: Best for Family Coverage
Pros
- Family-Oriented Benefits: It has family-specific discounts such as multi-car insurance discounts and coverage for teen drivers, which is perfect for Aurora families.
- Innovative Coverage Option: Insurance coverage options like “Replacement Cost Coverage” for personal effects in vehicles are different and will attract Aurora’s drivers.
- Loyalty Rewards Program: Offer additional savings to long-term customers with auto insurance in Aurora.
Cons
- Limited Availability of Discounts: Not everyone in Aurora may have the chance to get discounts that may save more money on insurance.
- Less Competitive for High-Risk Drivers: High-risk families will be charged more than other car insurance companies. Uncover more about our “American Family Review” by reading further.
#4 – Liberty Mutual: Best for Easy Claims
Pros
- User-Friendly Claims App: Liberty Mutual also has a very well-rated insurance mobile app for filing and tracking claims that will be very helpful for any driver in Aurora.
- Customizable Coverage Options: Aurora residents could customize their insurance coverage plans according to each individual’s needs, making it simpler to find the right fit.
- Accident Forgiveness: Aurora drivers can keep their car insurance rates even after experiencing their first accident, so they won’t have to worry.
Cons
- Limited Physical Locations: Fewer regional offices provide less in-office support for some customers in the Aurora region. Explore further details in our “Liberty Mutual Auto Insurance Review.”
- Higher Rates for Some Drivers: Liberty Mutual charges more than other firms for some profiles, such as young drivers in Aurora, CO, for their car insurance.
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#5 – The Hartford: Best for Military Families
Pros
- Specialized Military Discounts: It offers discounted and resource services specially designed for military families, making it the best car insurance in Aurora, CO.
- Flexible Policy Options: It offers insurance policies that can be configured based on the residents’ priorities at various stages in life in Aurora. Visit “The Hartford Auto Insurance Review” for more.
- Exceptional Customer Service: Dedicated support and resources for prompt assistance and personalized service to customers in Aurora.
Cons
- Higher Premiums for Non-Military: Aurora residents who do not qualify for military-discounted auto insurance tend to pay the costlier rates from other companies.
- Less Focus on Technology: While it is true that a few auto customers in Aurora, CO, feel that the online interface is less sophisticated than those of these modern auto insurance companies.
#6 – Nationwide: Best for Solid Reputation
Pros
- Consistent Customer Satisfaction: It has a high satisfaction rating and sustained promise to reassure the Aurora drivers looking for auto insurance.
- Comprehensive Roadside Assistance: It offers extensive insurance roadside assistance plans, which might become very important to Aurora drivers with a traveling inclination.
- Various Coverage Enhancements: Aurora, CO drivers can acquire coverage enhancements such as accident forgiveness and gap insurance. Gain deeper insights by exploring our “Nationwide Review.”
Cons
- Potentially Confusing Policy Options: There are so many different insurance coverage options that some Aurora customers may be confused about choosing the right policy.
- Limited Discount Applicability: Some car insurance discounts may not apply in other parts of Aurora, Colorado.
#7 – Farmers: Best for Extensive Coverage
Pros
- Customizable Insurance Packages: Farmers allow Aurora, CO, residents to craft insurance packages that provide comprehensive coverage.
- Strong Focus on Education: Farmers offer Aurora, Colorado, motorists education on what can be covered with their insurance.
- 24/7 Claims Report: Farmers allow Aurora, CO, residents to report their insurance claims anytime because it has 24/7 claims services.
Cons
- Higher Average Premiums: Some customers in Aurora may feel that Farmers charges higher insurance premium rates than local insurers.
- Complicated Coverage Language: This leads to misleading and confusing auto insurance policy information. Elevate your knowledge with our “Farmers Auto Insurance Review.”
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#8 – Allstate: Best for Comprehensive Plans
Pros
- Wide Range Coverage Levels: Allstate offers various types of insurance to meet the needs of Aurora drivers and help them determine what is suitable for them.
- Strong Focus on Safe Driving: Allstate is concerned with rewarding Aurora drivers who maintain clean driving records, as the insurance company conducts its business based on these safe practices.
- Extensive Agent Network: Allstate covers a wide network of insurance agents who provide personalized care and service to the people of Aurora, Colorado.
Cons
- Mixed Reviews on Insurance Service: Some individuals in Aurora complain that their insurance services take too long to respond. Our “Allstate Review” provides additional information.
- Potentially Higher Insurance Deductibles: Its clients in Aurora, CO, may be forced to pay higher insurance deductibles than their counterparts in other companies.
#9 – Geico: Best for Low Rates
Pros
- Competitive Insurance Rates: Geico offers the lowest insurance rates among its competitors to the frugal people of Aurora.
- Variety of Insurance Discounts: Aurora customers will enjoy many discounts Geico offers, including discounts on military service and safe driving.
- Easy Online Insurance Quotes: Geico’s system easily compares insurance quotes for Aurora, CO, residents. For supplementary details, see our “Geico Auto Insurance Review.”
Cons
- Limited Insurance Customization: Some customers in Aurora may be unable to compare Geico’s insurance plan options because they are very limited compared to others.
- Customer Service Concerns: Although the Geico insurance rates may have satisfied customers, many are complaining about the poor quality of service.
#10 – AAA: Best for Discounts Offered
Pros
- Exclusive Member Discounts: The company provided exclusive member discounts for insurance, saving on roadside assistance, and travel for the good of the people in Aurora.
- Strong Community Presence: Aurora’s participation in various events will enhance AAA’s stature by relating it to services in which general public automobile owners would also be interested.
- Comprehensive Insurance Packages: They also provide significant scope for insuring more cars, homes, and other biggies, which allows customers to experience greater ease of accessibility.
Cons
- Membership Fees: The initial insurance coverage charges are higher than other providers, which may deter some Aurora motorists. For expanded insights, see our “AAA Auto Insurance Review.”
- Limited Coverage in Certain Areas: Some AAA insurance policies do not cover certain areas of Aurora, so customers may not have full access to those services.
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Aurora, CO Auto Insurance Rates by Provider & Coverage
In Aurora, CO, car insurance providers, and coverage levels vary broadly, impacting the monthly pay for minimum versus full-coverage car insurance. Comparing quotes with your needs requires asking yourself, “How much insurance coverage do I need?” to ensure you’re adequately covered.
Aurora, CO Car Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $65 | $139 |
| $50 | $166 |
| $46 | $151 |
| $49 | $163 |
| $61 | $130 |
| $28 | $92 |
| $32 | $107 |
| $36 | $120 |
| $47 | $101 |
| $61 | $130 |
State Farm is cheap and offers fantastic customer service. These attributes have made it very popular with Aurora’s drivers, and competitive pricing provides coverage flexibility with a strong reputation for reliability.
The table shows that Progressive and American Families have appealing coverage premiums in Aurora, CO. Progressive is known for its somewhat adaptable plans, and American Family is known for its customer-focused service.
Aurora, CO Auto Insurance Coverage Options
Aurora, CO, auto insurance is selected based on the manageable traffic congestion and occasional delays. It is a growing city, so it is necessary to be protected against accidents and road damage by choosing the right types of auto insurance coverage.
Aurora, CO Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Traffic Density | B | Manageable congestion levels |
| Weather-Related Risks | B | Occasional hailstorms |
| Average Claim Size | C | Moderate impact on premiums |
| Uninsured Drivers Rate | C | Slightly above average rate |
| Vehicle Theft Rate | D | High theft affecting costs |
The table presents key information that suggests the weather risks in Aurora are at a medium level. Hail often occurs, thereby raising premiums. Drivers’ uninsured rates are higher than the average, making accidents involving underinsured motorists probable, and there is an extreme need to cover them comprehensively.
The Aurora’s high vehicle theft rate also tends to enhance insurance costs. Considering all these factors and the moderate average claim size, the package will likely include high premiums in Aurora, CO.
Available Discounts from Aurora Auto Insurance Providers
Finding cheap car insurance in Aurora, CO, often depends on the discounts available. Knowing what discounts each company offers makes it easier for Aurora drivers to choose a policy that best suits their needs while keeping premiums manageable.
Car Insurance Discounts From the Top Providers in Aurora, CO
| Insurance Company | Available Discounts |
|---|---|
| AARP member, defensive driver, vehicle safety features |
| New car, multi-policy, safe driver, good student, anti-theft |
| Defensive driver, early-bird, good student, loyalty, low mileage |
| Good student, new car replacement, multi-vehicle |
| Military, good driver, anti-theft, multi-policy, federal employee |
| Multi-policy, claims-free, good student, defensive driver |
| Paid-in-full, multi-policy, paperless billing, good student |
| Multi-car, continuous coverage, homeowner, safe driver, good student |
| Safe driver, good student, multi-policy, anti-theft, defensive driving |
| Good student, military, multi-policy, safe driver, new car |
Comparing car insurance discounts from Aurora’s best providers will yield diverse offers. While some focus on savings strategies through responsible driving, others emphasize bundling options, which clarifies the advantage of multi-policy holders. Each has discount offers for particular customers, so options must be considered.
Multi-policy holders in Aurora, CO, enjoy significant savings through bundled coverage, offering discounts on auto, home, and other policies while ensuring comprehensive protection.
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All these options help Aurora, Colorado drivers make informed decisions and save more with a policy tailored to their lifestyle and driving habits.
Aurora Auro Insurance Claiming Process
Start by reporting the accident immediately to your auto insurance in Aurora, CO. Claims are usually submitted through the application software or website and over the phone. The information given at this stage determines the smoothness of the process after that.
Fatal Accidents in Aurora, CO
| Category | Count |
|---|---|
| Fatal Crash Individuals | 30 |
| Fatal Crash Vehicles | 22 |
| Fatalities | 16 |
| Fatal Accidents | 15 |
| Fatal Accident Pedestrians | 6 |
| DUI Fatal Crashes | 5 |
Once a claim has been filed, the appraiser assesses the damages, reviews police reports, and determines liability, considering factors like DUI or pedestrian involvement. In Aurora, CO, where 15 fatal accidents resulted in 16 fatalities, this process helps determine which coverage applies and the appropriate payout.
Aurora, CO Liability vs. Comprehensive Auto Insurance Monthly Rates
| Insurance Company | Liability | Comprehensive |
|---|---|---|
| $110 | $150 |
| $105 | $140 |
| $100 | $135 |
| $115 | $155 |
| $90 | $130 |
| $120 | $160 |
| $95 | $140 |
| $100 | $145 |
| $85 | $125 |
| $110 | $150 |
After evaluation, the insurance company will determine whether to repair, compensate, or replace the vehicle based on the policy in Aurora, CO. The liability and comprehensive coverage rates, like those from Geico and Liberty Mutual, can impact how much the insurance payout will cover for repairs or replacement.
Major Factors in Best Auto Insurance in Aurora, Colorado
Car insurance companies consider numerous factors when crafting an auto insurance policy. Unfortunately, many of these elements are difficult or impossible to change. Explore the different aspects below to learn more.
Your Credit Score
If you are worried about your credit score, look closely at the chart below. The lower your credit score, the more it will adversely influence your monthly premiums. Drivers with excellent credit can enjoy exceptionally low rates, while poor credit motorists can pay twice as much (or more).
Aurora, CO Average Monthly Auto Insurance Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $120 | $140 | $180 |
| $110 | $130 | $170 |
| $100 | $120 | $160 |
| $115 | $135 | $175 |
| $90 | $110 | $150 |
| $125 | $145 | $185 |
| $95 | $115 | $155 |
| $105 | $125 | $165 |
| $85 | $105 | $145 |
| $115 | $135 | $175 |
The table shows that auto insurance rates rise as credit scores decrease in Aurora, CO. State Farm offers the lowest rates across all credit categories. At the same time, Liberty Mutual consistently has the highest rates, particularly for those with bad credit.
Your Age
Did you know that some companies charge teenage drivers up to 300 percent more for insurance than someone twice their age? It all has to do with their overall lack of driving experience. Because of their inexperience, they are much more likely to get into an accident.
Aurora, CO Auto Insurance Monthly Rates by Age
| Insurance Company | Age: 17 | Age: 34 |
|---|---|---|
| $450 | 180 |
| $470 | 190 |
| $440 | 175 |
| $460 | 185 |
| $420 | 170 |
| $480 | 195 |
| $430 | 175 |
| $450 | 180 |
| $410 | 165 |
| $460 | 185 |
The state has competitive rates for young and older drivers in Aurora, CO. While a 17-year-old will pay some $410 for teenage car insurance, the premium for a 34-year-old drops to $165, which can be attributed to lower premiums set by the company for matured drivers.
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Claim Statistics of Auto Insurance in Aurora
Aurora is a city in Colorado known for several factors driving auto insurance claims. With about 5,000 accidents reported annually and 3,500 submitted claims yearly, quite a lot of activity prevails on the roads there. The average claim value in Aurora is $4,500, which, by most accounts, reveals moderate damage or injuries.
Aurora, CO Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Total Accidents Per Year | 5,000 |
| Total Claims Per Year | 3,500 |
| Average Claim Size | $4,500 |
| Percentage of Uninsured Drivers | 16% |
| Vehicle Theft Rate | 1,200 thefts/year |
| Traffic Density | Moderate |
| Weather-Related Incidents | Moderate |
About 16% of Aurora’s vehicle users do not have insurance, which puts an appreciable risk on motorists with insured drivers. Additionally, about 1,200 vehicles are reported to be stolen every year in Aurora, which contributes to setting higher premiums for insured people.
With around 1,200 vehicle thefts reported annually in Aurora, insurance companies raise premiums to cover the increased risk of theft-related claims and potential losses.
The table shows that Aurora’s traffic is semi-dense, and the city is prone to accidents, especially during rush hours or when people run errands. Weather events like moderate snowstorms and storms also impact road conditions, contributing to more claims and possibly affecting eligibility for a Claim-Free insurance Discount.
Selecting Top Aurora, CO Auto Insurance Providers
Car insurance in Aurora, CO, should be selected after considering your driving habits, coverage needs, budget, and whether “No-Fault Insurance” applies to your situation. The state requires minimum liability coverage, but higher coverage levels may provide better protection for newer or more valuable vehicles. All these factors affect auto insurance rates and must be considered before choosing.
When choosing an auto insurance company, one considers certain aspects such as no-fault insurance, bundle policies, and earning discounts for being a safe driver and keeping a clean driving record.
Use our free online quote tool to find cheap car insurance in Aurora, CO. Enter your ZIP code below to compare affordable Aurora, CO auto insurance today.
Frequently Asked Questions
Is there affordable car insurance in Aurora?
Yes, car insurance is available in Aurora, CO, with various providers offering coverage options to suit different needs and budgets, including affordable car insurance near you.
Can I get Aurora car insurance quotes online?
Yes, you can easily get a free car insurance quote and Aurora car insurance quotes online by visiting insurance company websites or using comparison tools.
What are the best car insurance rates in Aurora, CO?
Rates to the best car insurance deals in Aurora, CO, come in different offers depending on the type, driving history, and specific preferences. Shop and compare cheap auto insurance rates with cheap car insurance in Aurora, CO, to help find the cheapest price.
Who are the best car insurance brokers in Aurora?
The best Aurora car insurance brokers in Aurora, CO, provide personalized service, work with multiple insurers, and help you find affordable auto insurance coverage tailored to your needs.
Is there an available home and auto insurance bundle in Aurora, CO?
Several insurance providers in Aurora, CO, offer home and auto insurance bundles, including Aurora home insurance quotes, which can help you save money while ensuring comprehensive coverage for your home and vehicle.
Find the best auto insurance in Aurora, CO, now by entering your ZIP code into our free tool below.
Who has the cheapest car insurance in Colorado?
State Farm, Progressive, and American Family are some providers that often offer affordable car insurance in Aurora and may help meet minimum car Insurance requirements in Colorado, depending on your specific situation.
What is the cheapest car insurance for someone with an accident?
To find the cheapest car insurance in Aurora for someone with accidents, consider companies that offer the best deals on Auto Insurance for high-risk drivers, like The General or Nationwide, and compare rates.
How can I find the lowest insurance rates online?
You can find low-cost auto insurance and the lowest insurance rates online by using comparison websites, entering your details, and reviewing quotes from multiple insurers in Aurora, CO.
What is high-risk auto insurance in Colorado?
High-risk auto insurance in Colorado is for drivers with a bad driving history, such as multiple accidents or DUIs, and typically comes with higher premiums. When is high-risk auto insurance required? It is required when a driver has a history of accidents, traffic violations, or other factors that make them a higher risk to insure.
Why is car insurance so expensive in Colorado?
Auto insurance in Aurora, CO, can be expensive due to high population density, weather-related risks, and the state’s high rates of accidents and claims.
Is there low-income car insurance in Colorado?
Yes, some insurance providers in Colorado offer low-income car insurance options with reduced coverage and lower premiums to help budget-conscious drivers.