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How much is car insurance in Aurora?
|Area||Average Monthly Car Insurance Premium|
Based on the information in the chart above, you can see that on average, it's about $16 a month more expensive to insure your vehicle in Aurora than it is in the rest of Colorado.
If you're considering relocating to Aurora from out of state, you may want to budget a little extra for your insurance. You can expect to pay about $7 more for your policy in Aurora.
Although these are the average rates for auto insurance in Aurora, that doesn't mean it's exactly what you'll pay. Insurance companies take in a number of factors when deciding what amount to charge you for insuring your vehicle. The final dollar amount you'll be asked to pay each month is calculated off of your age, gender, vehicle make and model, driving record, and even your credit score depending on the circumstances.
Don't sweat it however, we've broken down average rates for Aurora residents so that you can get a more accurate idea of what you might pay. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have on the roads, right? When it comes to car insurance bills, that experience pays off. In this case, 18-24-year-olds pay two times as much as someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Having said that, once you approach retirement age your rates may begin to increase again in Aurora.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. While female drivers pay slightly less than male drivers on their monthly insurance rates, the difference in Aurora is only about $2 per month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay significantly less than those with infractions. The rate for drivers in Aurora with a single accident on their record is about $108 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $146.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. 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||$90|
|15 Years or Older||$88|
According to the first table above, trucks and vans are typically the cheapest vehicles to insure in Aurora, with drivers paying around $71 per month for auto insurance.
Car owners, on the other hand, usually pay around $90 a month, while SUV drivers can expect to pay about $85 per month for auto insurance coverage.
In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. Once your car is around 5 years old, however, your monthly bill may start to dip back down. In Aurora, for example, 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|
On average, married policyholders will pay slightly less for auto insurance. This occurs because insurance companies commonly offer special discounts to policyholders with multiple vehicles that are on the same policy.
The cost of auto insurance in Aurora reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$127|
Another factor that comes into play is your housing situation. In Aurora, homeowners can expect to pay around $16 a month less than those who rent. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Aurora, CO
Recent trends in car insurance for Aurora drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before picking an insurance policy.
In Aurora, auto insurance rates had been increasing from 2016-2017, before steadying out in 2018. Policy premiums went up again, hitting a high of $96 in 2020, and finished down at $95 in 2021.
How does Aurora compare to neighboring areas?
Why are car insurance rates in Aurora different from other areas?
There are a lot of factors car insurance companies take into consideration when choosing how much to charge for coverage. Many factors affecting your policy are based around where you park your car. These factors include things like:
- Availability of off-street parking
- Frequency of car accidents
- Prevalence of crime
- Total drivers
- Area laws
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. Realizing 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 corner of the world.
How can I find the cheapest car insurance in Aurora?
In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.
Good news! Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Aurora.
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 you can't control like your gender and age 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 Aurora different from other neighboring cities?
Things like parking situations, crime rates, and local laws, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Aurora?
Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Aurora?
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. 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 Aurora 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?