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How much is car insurance in Arvada?
|Area||Average Monthly Car Insurance Premium|
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 viewed against the average rates for the rest of the U.S., auto insurance coverage in Arvada is rather affordable. It's around $8 less to insure your vehicle compared to the average rate for the U.S. as a whole.
While these numbers represent the average monthly payments for coverage in Arvada, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. 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.
We've broken down average rates for Arvada to help you understand what your policy's monthly premium will cost. And if you're not certain that you're paying the lowest option, simply enter your ZIP below and find out in just minutes!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
More time behind the wheel makes you a more experienced driver. That experience can really work in your favor when factored into your car insurance rates. In this case, 18-24-year-olds pay $58 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Once you hit retirement, however, you may see your rates climb back up a bit in Arvada.
Average Car Insurance Rates by Gender
Car insurance rates for women are generally cheaper than they are for men. In Arvada, although men do pay a bit less on their monthly auto coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can vary wildly depending on your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. In Arvada, a driving record with one accident will usually get you a rate around $93 a month. In addition, drivers with one ticket can expect to pay around $90 a month on average.
Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$67|
|15 Years or Older||$74|
The cheapest vehicles to insure in Arvada are by and large trucks and vans, with each type typically costing about $65 per month.
SUV drivers will see rates of about $72, while the rates for car owners average out to about $75 a month.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, your rates may start to decrease if your car is a few 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|
Overall, married policyholders will pay slightly less to insure their car. This usually boils down to owners having multiple vehicles on the same policy, something some companies will reward with discounts.
Although married couples normally pay less than single drivers to insure their vehicles, the rates for both groups in Arvada are about the same.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Your housing status is another component of how insurance companies calculate your monthly rate. In Arvada, homeowners can expect to pay around $15 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Arvada, CO
Recent trends in car insurance for Arvada drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.
The rates for auto insurance in Arvada decreased from 2017-2018, when they reached a low of $66. This changed in 2019, when rates began to increase. They hit a high of $83 in 2020, and finished up in 2022, at $82 per month.
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 a monthly rate, car insurance companies will consider a number of factors. While we already mentioned the ones that affect your personal policy, others are influenced by your home address. These include things like:
- Amount of drivers in the area
- Road Safety (total number of local car accidents)
- Off-street parking availability
- Regional crime rates
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Knowing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Arvada?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com has you covered. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Arvada in no time.
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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 like your age and gender, but also factors like your driving record, credit score, address and marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Arvada different from other neighboring cities?
Crime rates, parking situations, and local laws -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Arvada?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Arvada?
Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Arvada or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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