call

Aurora Car Insurance

How much does car insurance cost in Aurora, CO? Check out the average rates that drivers pay below.

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Aurora?

Aurora, Colorado is east of Denver and has a population of over 374,000 residents. In the 1880s, Aurora was called Fletcher, after a Denver businessman, but after he skipped town and left the town with a huge water debt, residents decided to change the town’s name to Aurora. Today, Aurora is largely a suburb, and the city has only a modest number of multi-story buildings. Aurora has more than 100 parks and more than 6,000 acres of open space and natural areas for residents to enjoy. Families who live in Aurora like to visit local recreation centers for sports and activities. The city’s largest employers include Buckley Air Force Base, Anschutz Medical Campus, University of Colorado Hospital, Children’s Hospital Colorado, Kaiser Permanente, Amazon and Community College of Aurora. The city’s cultural sites include the Aurora Fox Theatre and Arts Center, Aurora History Museum and Aurora Symphony Orchestra.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Colorado has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Aurora typically pay around $125.36 per month compared to the national average of $135.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.68
Colorado $113.39
Aurora, Colorado $125.36

Aurora, CO Best Car Insurance Companies

car insurance in Aurora

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Aurora coming in around $97.45 per month. Other companies to consider if you live in Aurora is Liberty Mutual with an average cost of $141.25 per month and State Farm which typically runs around $144.43 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Aurora.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $97.45-14.06%
2 Liberty Mutual $141.2524.57%
3 State Farm $144.4327.37%
4 Auto-Owners Insurance Co $160.6641.69%
5 National Farmers Union P $163.8744.51%
6 Allstate $169.8849.82%
7 Colorado Farm Bureau Mutual $186.9464.86%
8 Esurance $190.8368.29%
9 Nationwide $200.7777.05%
10 SAFECO $209.0484.35%

How Much is Car Insurance in Aurora, CO?

how much is auto insurance in Aurora

Rates can vary from city to city. The residents of Aurora typically pay $125.45 per month while people who live in Boulder will pay $102.55 per month on average. See what people pay for car insurance in other cities in Colorado.

Colorado CitiesMonthly Average Rate
Aurora $125.45
Boulder $102.55
Colorado Springs $122.01
Denver $122.88
Littleton $109.69

Cheap Car Insurance in Aurora by Zip Codes

find cheap auto insurance in Aurora

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Colorado. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Aurora, CO ZIP CodeAverage Monthly Rate
80010$124.72
80011$124.09
80012$131.32
80013$118.70
80014$135.52
80015$120.15
80016$132.48
80017$113.94
80018$173.81
80019$115.90
80042$97.67
80044$121.99
80045$85.89
80047$87.79

Car Insurance Rates by Driver's Age Group in Aurora

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $231.21 per month in Aurora. Compare that to drivers in their 30’s who typically pay around $108.40 per month drivers in their 40s at $105.64 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$231.21
20s$157.51
30s$108.40
40s$105.64
50s$98.52
60s$92.19
70+$113.77

Cheapest Insurance for Teenage Drivers in Aurora

If you are teen in Aurora you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $193.52 per month. This is likely the most affordable option in Aurora. You might also want to consider Allstate and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$193.52
Allstate$285.44
State Farm$288.13
Auto-Owners Insurance Co$325.33
National Farmers Union P&C$348.68

Cheapest Insurance for 20 Year-olds in Aurora

20 year-olds in Aurora might want to consider USAA who, on average, offers car insurance rates around $113.36 per month. State Farm, Allstate , Auto-Owners Insurance Co and Esurance are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$113.36
State Farm$172.35
Allstate$189.77
Auto-Owners Insurance Co$199.10
Esurance$219.71

Cheapest Insurance for 30 Year-olds in Aurora

If you are in your 30s in Aurora our research has found that USAA typically has the most affordable coverage coming in around $86.83 per month, followed by State Farm at $125.30 and Auto-Owners Insurance Co at $134.00.

CompanyAverage Monthly Rate
USAA$86.83
State Farm$125.30
Auto-Owners Insurance Co$134.00
Liberty Mutual$141.25
National Farmers Union P$150.17

Cheapest Insurance for 40 Year-olds in Aurora

On average, USAA offers car insurance for 40 year-olds in Aurora for around $83.00 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Auto-Owners Insurance Co. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$83.00
State Farm$124.50
Auto-Owners Insurance Co$129.94
Nationwide$150.17
Colorado Farm Bureau Mutual$156.40

Cheapest Insurance for 50 Year-olds in Aurora

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Aurora we found that USAA generally offers the most affordable coverage at $70.79 per month.

CompanyAverage Monthly Rate
USAA$70.79
State Farm$108.58
Auto-Owners Insurance Co$111.72
Colorado Farm Bureau Mutual$128.32
Nationwide$129.06

Cheapest Insurance for 60 Year-olds in Aurora

If you live in Aurora and you’re in your 60s, our data indicates that USAA usually has the best rates at $75.51 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$75.51
State Farm$109.91
Auto-Owners Insurance Co$125.23
Nationwide$128.76
SAFECO$131.19

Driver's Coverage Auto Insurance Rates in Aurora, CO

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Aurora, the average monthly rate for a driver who is currently insured is $115.02 while drivers who are not currently covered will pay around $147.26.

CoverageAverage Monthly Rate
Not Currently Insured $147.26
Currently Insured $115.02

Compare Recent Car Insurance Quotes in Aurora

auto insurance quotes in Aurora city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Aurora a driver of a 2015 Honda Accord can expect to pay around $288.68 per month while someone that owns a 2016 Hyundai Elantra may pay around $121.27 per month. Check out the list of recent quotes in Aurora below.

VehicleAverage Monthly Rate
2015 Honda Accord$288.68
2016 Hyundai Elantra$121.27
2000 Toyota Corolla$71.23
1997 Nissan Maxima$129.47
2009 Chevrolet Avalanche$99.15
2002 Hyundai Accent$161.92
2018 Toyota Rav4$104.80
2017 Subaru Legacy$192.87
2016 Honda Cr-V$92.47
2015 Dodge Charger$164.18

FAQ's for Drivers in Aurora, CO

driver’s frequently asked question in Aurora

What Is the Minimum Liability Coverage Requirement in Aurora, CO?

Colorado requires that all drivers carry car insurance, and insurance regulations are strictly enforced by the Colorado Department of Regulatory Agencies, Division of Insurance. Drivers must carry $25,000 per person and $50,000 per accident of bodily injury and $15,000 per accident for property damage.

Although Colorado used to be a no-fault state, it now operates as a tort system. This means fault must be established before any insurance company pays a claim. This change was made to reduce insurance premiums and claims abuses.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $15,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Even though it isn’t required by law, finance and leasing vendors insist that you carry collision and comprehensive auto insurance on any financed vehicle. They may also require additional coverages. Consider this when calculating the price of your auto loan.

What Is the Blood Alcohol Concentration (BAC) limit in Aurora, CO?

It’s illegal for individuals to operate a vehicle in Colorado with the following BAC percentages:

  • .08%+ for 21 years old or older
  • .04%+ for commercial vehicle drivers
  • .02%+ for under 21 years old

What are the consequences of being convicted of a DUI?

The consequences of being convicted of a DUI in Colorado are severe and may include fines, probation, legal costs, jail time, and installation of an ignition interlock device. Additionally, your driver’s license will be suspended and you may be required to take alcohol education classes or attend an addiction treatment program.

map

Commute Time in Aurora, CO

29.3 Miles
map

Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Aurora, CO

188

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates Instantly.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.