Arvada, CO Car Insurance

Drivers in Arvada pay around $73 a month for their car insurance. Learn more in our handy guide below.
Are rates in Arvada higher or lower than those in neighboring areas? How do they compare to the rest of Colorado? What can Arvada residents expect to pay for their car insurance? You can see the cost breakdowns and contributing factors in the charts and writeups below:  

How much is car insurance in Arvada?

Area Average Monthly Car Insurance Premium
Arvada$73
CO$71
United States$80

Based on the chart above, it costs about the same to insure your vehicle in Arvada as it does in the rest of Colorado.

When stacked up against the national average, the average monthly policy payment for Arvada is more affordable. It's around $7 less to insure your vehicle compared to the average rate for the U.S. as a whole.

Bear in mind that while these rates are the average costs for Arvada drivers, it doesn't mean that's what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all get factored into calculating the amount you'll be asked to pay each month.

But don't worry, we've broken down the average rates for Arvada residents based on several different factors so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$119
25-34$61
35-44$71
45-54$59
55-64$56
65+$60

It makes sense that the older you are, the more experience you have driving, right? That experience pays off when it comes to auto insurance. In this case, 18-24-year-olds pay significantly more than someone who is at retirement age.

You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may start to rise again in Arvada.

Average Car Insurance Rates by Gender

Gender Average
Male$72
Female$73

Car insurance rates for women are generally cheaper than they are for men. In Arvada, however, men actually pay slightly less than female drivers for auto insurance coverage.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$93
Multiple Accidents$100
1 Ticket$82
Multiple Tickets$125

Your rates can change quite drastically depending on your driving record. Those with clean records can expect to pay much less than those with infractions. The rate for drivers in Arvada with a single accident on their record is about $93 a month. In addition, drivers with a single ticket on their record can expect to pay around $82 a month on average.

When it comes to your monthly premium, accidents, tickets, and other driving infractions can really take a toll. So, if cheap car insurance is something you're after, drive safely and keep a clean record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$61
2-3 Years$60
4-5 Years$61
6-7 Years$64
8-10 Years$76
11-14 Years$75
15 Years or Older$73

In Arvada, the cheapest vehicles to insure are usually trucks and vans, with drivers paying around $64 per month to insure their vehicle.

SUV drivers will see rates of about $71 for auto insurance, while car owners by and large pay around $75 a month.

Depending on your vehicle's age, you can also expect to see slightly different rates. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to decrease if your car is close to 5 years old. The most expensive vehicles to insure in Arvada are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$75
Married$74
Divorced$59
Widowed$53

Overall, those who have settled down into marriage will pay slightly less for car insurance coverage. This usually boils down to owners having multiple vehicles on the same policy, something that will often get you a discount.

Although single drivers normally pay more for auto insurance than married couples do, the rates for both groups in Arvada are about the same.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$61
Rent$76
Live with parents$102

Another factor that comes into play is your living situation. Renters can expect to pay around $15 a month more than drivers who own property in Arvada. Those who live with their parents, however, can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Arvada, CO

Recent trends in car insurance for Arvada drivers

Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before selecting an insurance provider.

The rates for car insurance in Arvada had been increasing from 2016-2017, before leveling out in 2018. Car insurance rates rose again, reaching a high of $83 in 2020, and finished down at $78 in 2021.

How does Arvada compare to neighboring areas?

Why are car insurance rates in Arvada different from other areas?

When considering how much to charge for coverage, car insurance companies will review a variety of factors. While we already mentioned the ones that affect your personal policy, others are influenced by where you live. These include things like:

  • Regional crime rates
  • Laws
  • Off-street parking availability
  • Road Safety (how many accidents each locality has)
  • Amount of drivers in the region

An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.

How can I find the cheapest car insurance in Arvada?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But wait! Compare.com will handle the heavy lifting for you. Just put in your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies that offer coverage in Arvada.

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Arvada Insurance FAQs

What factors affect car insurance quotes in Arvada?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Arvada different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like local laws, parking situations, and crime rates when calculating your quote -- all of which can change from city to city.

Which car insurance company will offer me the cheapest rate in Arvada?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Arvada?

Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Arvada or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes