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How much is car insurance in Aurora?
|Area||Average Monthly Car Insurance Premium|
As you can tell from the chart above, the cost of coverage in Aurora is about $16 a month more expensive than the rest of Colorado.
Likewise, Aurora residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $7 more for coverage in Aurora than in the rest of the U.S.
While these are the average car insurance rates for Aurora, keep in mind that you could end up paying a different amount. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
We've broken down the average rates for Aurora to help you understand what exactly you might be asked to pay. If you're not certain that you're getting the cheapest rate for your area, just enter your ZIP Code below to find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to car insurance rates. As you can see, 18-24-year-olds pay two times the price that drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. Aurora drivers may see their rates begin to go back up once they hit retirement age.
Average Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. While female drivers pay slightly less than male drivers on their monthly premiums, the difference in Aurora is only about $1 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. Those with clean records will obviously pay less than those with infractions. In Aurora, a driving record with one accident will usually get you a rate around $108 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $103.
When it comes to your monthly bill, accidents, tickets, and other driving infractions can really take a toll. In order to keep your monthly bill down and get the cheapest car insurance possible, keep your record clean and drive safely.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$85|
|15 Years or Older||$89|
In Aurora, the cheapest vehicles to insure are typically trucks and vans, with drivers paying around $74 per month for insurance coverage.
SUV drivers will see rates of about $84 to insure their vehicle, while car owners by and large pay around $92 a month.
In addition to vehicle type, you can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. However, once your car is about 5 years old, you may start to see your monthly premium drop back down. In Aurora, the most expensive vehicles to insure are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
More often than not, people who are married will pay slightly less to insure their car. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Aurora is no exception, with the difference totaling to around $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$125|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $17 a month more than if you own your own home in Aurora. But if you live with your parents, your rates will be significantly higher.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your car insurance premiums.
Car Insurance Companies in Aurora, CO
Recent trends in car insurance for Aurora drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
In Aurora, the rates for car insurance increased from 2019-2020, when they hit a high of $96. This pattern shifted in 2021, when they began to decrease, and have continued on that path through the present -- when policy premiums reached a low of $83 per month.
How does Aurora compare to neighboring areas?
Why are car insurance rates in Aurora different from other areas?
Car insurance companies look at a variety of factors when they're choosing how much to charge for a policy. While we mentioned the factors that affect your personal policy, others are based around your home address. These include things like:
- Regional laws
- Local crime rates
- Total drivers
- Off-street parking availability
- General road safety (how many accidents each locality has)
While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Aurora?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
But hold on! Compare.com does all of that work for you. Put in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies offering auto coverage in Aurora.
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Aurora Insurance FAQs
What factors affect car insurance quotes in Aurora?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your gender and age, but also factors like your vehicle's year, make and model, plus your driving record, credit score, marital status, and address.
Why is the cost of car insurance in Aurora different from other neighboring cities?
Crime rates, local laws, and parking situations -- 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 Aurora?
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 however, by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Aurora?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Aurora or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.
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