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Colorado’s third-largest city, Aurora's mild climate and abundance of sunshine attract many people to the area. Unfortunately, Aurora is also among the top 10 regions in the U.S. for vehicle theft, according to the National Insurance Crime Bureau. Areas with high theft rates typically see increased auto insurance premiums.
Drivers in Aurora, Colorado, pay an average of $178 per month for car insurance, according to Compare.com data. The good news is you can find lower rates depending on the company you choose. In this guide, we’ll explore Aurora’s cheapest auto coverage options.
State Farm is the cheapest insurer in Aurora, at $70 per month, on average.
Aurora drivers pay an average of $119 per month for liability-only insurance and $236 for full coverage.
Colorado requires all drivers to have at least 25/50/15 in liability limits.
The average cost of car insurance in Aurora is $178 per month. But average rates are only a guide since personal factors like your age, marital status, driving history, credit, and coverage options determine your specific premium.
The table below shows the average rates for different policy types in Aurora compared to the state and national averages, according to Compare.com data.
Location  | Average Monthly Premium: Liability Insurance | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Aurora | $119 | $236 | $178 |
| Colorado | $91 | $188 | $140 |
| National average | $100 | $172 | $136 |
Aurora drivers pay $119 per month for liability coverage and $236 for full coverage, according to our data.
Keep reading to find out which car insurance companies offer the cheapest rates in Aurora.
Compare personalized quotes from Aurora’s top insurers.
Although Aurora’s average premium is $178 per month, there are plenty of ways to save. For example, you can compare car insurance quotes and look for discounts.
The table below includes the top five cheapest car insurers in Aurora, according to our analysis.
Company | Average Monthly Premium |
|---|---|
| State Farm | $70 |
| Sun Coast | $87 |
| USAA | $90 |
| Progressive | $92 |
| The General | $92 |
| American Family | $96 |
| Root | $100 |
| Mile Auto | $101 |
| GEICO | $107 |
| Allstate | $108 |
| Bristol West | $112 |
| Nationwide | $116 |
| Auto-Owners | $124 |
| Mendota | $139 |
| Foremost | $141 |
| Safeco | $146 |
| Trexis | $147 |
| National General | $156 |
| Dairyland | $162 |
| Direct Auto | $163 |
| Travelers | $176 |
| Farmers | $183 |
| Liberty Mutual | $238 |
State Farm is the cheapest auto insurer in Aurora, with an average premium of $70 per month, according to Compare.com data.
The following sections outline the most affordable insurance companies by the top rating factors and various demographics.
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Since car insurance needs vary from person to person, there’s no single best auto insurance company for everyone. Many factors determine which company is right for you.
We chose the insurers below out of dozens of companies based on a detailed analysis of discounts, coverage options, customer ratings, and average rates.
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $70/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $162/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 3.6 | 3.2 |
| Customer service | 3.6 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.6 | 3.1 |
| Value | 3.7 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm’s average rates are among the cheapest in Aurora, according to our analysis. This is great news for drivers with spotty records — getting affordable rates can be challenging after an accident or moving violation. State Farm also leads in the Southwest region for customer satisfaction, ranking first on J.D. Power’s 2023 Auto Insurance Study.
Local agent network
Top pick for auto insurance satisfaction
Above-average claims satisfaction score
Fewer discounts than competitors
Limited coverage options available
Higher-than-average number of customer complaints
| User Reviews | 4.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $224/mo |
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.0 | 2.9 |
| Policy transparency | 4.9 | 3.1 |
| Value | 4.4 | 2.9 |
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
Driving more often, especially long commutes, puts you at a higher risk of needing roadside assistance. American Family offers a robust emergency road services plan, averaging just $20 per year to add to your full-coverage auto insurance policy. It’s also one of the few auto insurers offering accidental death and dismemberment coverage.
American Family ranked second in the Southwest region for customer satisfaction and above-average for claims satisfaction by J.D. Power.
Wide range of optional coverages
Multiple available discounts
Above-average customer and claims satisfaction scores
Not the cheapest option in Aurora
Mobile app isn’t user-friendly
Customer satisfaction may vary by local agent
| User Reviews | 4.4 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $107/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $248/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.3 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.3 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.5 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Although GEICO isn’t the cheapest car insurer in Aurora, it offers many discounts that may help you get a cheaper rate, including customer loyalty, affiliation, and education discounts. While GEICO offers tech-savvy customers a highly rated mobile app and online quotes, it struggles with below-average auto insurance shopping and claims satisfaction rankings.
Many available discounts
Highly rated mobile app
Quotes available online
Gap insurance not available
Lower-than-average claims satisfaction score
Below-average auto insurance customer satisfaction
Compare personalized quotes from Aurora’s cheapest companies.
The coverage levels you choose directly affect your insurance premiums. The cheapest option is basic coverage, which is liability insurance at the state minimum level. In Aurora, liability insurance costs an average of $105 per month, according to our research.
Though it meets Colorado’s driving eligibility requirements, it only provides coverage for damage and injuries you cause others, not to yourself or your vehicle.
Here are five of the cheapest auto insurance companies for liability-only insurance in Aurora.
Company | Average Monthly Premium |
|---|---|
| State Farm | $70 |
| Sun Coast | $87 |
| USAA | $90 |
| Progressive | $92 |
| The General | $92 |
| American Family | $96 |
| Root | $100 |
| Mile Auto | $101 |
| GEICO | $107 |
| Allstate | $108 |
| Bristol West | $112 |
| Nationwide | $116 |
| Auto-Owners | $124 |
| Mendota | $139 |
| Foremost | $141 |
| Safeco | $146 |
| Trexis | $147 |
| National General | $156 |
| Dairyland | $162 |
| Direct Auto | $163 |
| Travelers | $176 |
| Farmers | $183 |
| Liberty Mutual | $238 |
State Farm offers the cheapest liability-only policy, at $70 per month, according to Compare.com data.
Full coverage might be a better fit if you have a newer car. Let’s see which companies offer Aurora drivers some of the best rates.
Full-coverage car insurance typically includes liability coverage, comprehensive coverage, and collision coverage. It comes with a higher price tag but protects you and your vehicle. It’s worth it if you have a long commute or are in a riskier age group, like teens or seniors. And lenders and leasing companies typically require it if you finance or lease your car.
The chart below highlights the cheapest insurers in Aurora for full coverage with average monthly costs, according to our data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $162 |
| Root | $197 |
| Progressive | $209 |
| USAA | $209 |
| American Family | $224 |
| Mile Auto | $245 |
| Bristol West | $248 |
| GEICO | $248 |
| Allstate | $251 |
| Safeco | $253 |
| Sun Coast | $266 |
| The General | $268 |
| Nationwide | $269 |
| Auto-Owners | $289 |
| National General | $331 |
| Mendota | $332 |
| Direct Auto | $344 |
| Dairyland | $358 |
| Trexis | $372 |
| Liberty Mutual | $390 |
| Travelers | $407 |
| Farmers | $426 |
| Foremost | $434 |
Factors beyond your coverage levels, such as your age and driving record, will also affect your rates. We’ll break things down a bit further in the next sections.
The driver’s age is one of the determining rate factors when pricing out an auto insurance policy. Car insurance rates are higher when you’re younger but decrease as you age and get more driving experience. But your rate may increase slightly once you reach your 70s.
Knowing how much drivers in your city pay on average can help when comparing car insurance quotes.
The table below shows the average Aurora residents pay by age group and the cheapest insurer for each, according to our analysis.
Age Group | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $323 | State Farm | $136 |
| 40s | $184 | State Farm | $68 |
| Seniors | $146 | State Farm | $53 |
Teens have the least driving experience but the highest rate of fatal car crashes, according to the Insurance Institute for Highway Safety (IIHS). The riskiest drivers pay the most for car insurance, making rates for teens and young drivers much higher than other age groups.
The average Aurora teen pays $136 per month, according to our data. But State Farm offers the cheapest car insurance policy for teens in Aurora, at $136 per month, according to our analysis.
Drivers approaching retirement age typically get the best auto insurance rates. Drivers in their 60s tend to drive less, but once you reach age 70, your likelihood of a fatal crash increases, according to the IIHS. This leads to increased risk and slightly higher premiums.
Senior drivers in Aurora pay an average of $146 per month, according to our data. But State Farm has the lowest average rate for Aurora seniors, at just $53 per month, based on our analysis.
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Your driving record has a significant effect on your auto insurance rates. Insurers consider drivers with tickets, at-fault accidents, or DUIs on their records riskier, increasing the amount you pay for car insurance.
The following table breaks down the average cost of Aurora auto insurance by driving record and the cheapest insurer by incident, according to Compare.com data.
Driving Record | Citywide Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $178 | State Farm | $70 |
| Speeding ticket | $231 | State Farm | $90 |
| At-fault accident | $232 | State Farm | $92 |
| DUI | $249 | State Farm | $101 |
A speeding ticket on your driving record increases average auto insurance premiums by 27%, according to Compare.com data. The average Aurora car insurance premium is $231 per month after a ticket. But if you’re looking for the cheapest option, consider State Farm — its average rate after a ticket is $90 per month.
If you cause an accident, expect your rates to go up. An at-fault accident causes insurance premiums to increase by an average of 34%, according to our analysis.
After a crash, Aurora drivers pay about $232 per month, according to our data. State Farm is the cheapest insurer after an accident in Aurora, with an average of $92 per month.
A DUI is a severe traffic offense. A conviction increases auto insurance premiums by an average of 50% nationwide, according to Compare.com data. A high-risk driving record can make it harder to get affordable car insurance.
State Farm is the cheapest car insurance for Aurora drivers, averaging $101 per month. Drivers with a DUI conviction don’t have many options, but they can find a more affordable rate with State Farm, at $101 per month.
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Colorado drivers must have a minimum amount of liability coverage to cover injuries and property damage they cause others, according to the Colorado General Assembly. The minimum-coverage requirement is:
$25,000 of bodily injury liability coverage per person
$50,000 of bodily injury liability coverage per accident
$15,000 of property damage liability coverage per accident
Since Colorado is a “fault” state, you’re financially responsible for accidents you cause. Though these liability limits meet Colorado driving requirements, they might not be enough. Most insurance experts recommend buying enough liability coverage to protect your net worth or assets minus your debts.
Insurance companies must also offer $5,000 in medical payments coverage, but you can decline coverage in writing. MedPay coverage will pay for your medical bills if you sustain injuries in an accident, no matter who’s at fault.
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While you can’t control every factor when it comes to your auto insurance premiums, saving on your auto insurance premiums in Aurora is possible when you follow these tips:
Raise your deductibles. If you have comprehensive and collision coverages, raising your deductibles can lower your insurance premium. But keep in mind that you’ll take on more of the financial expenses when you file a claim.
Practice safe driving. Proving you’re a safe driver by avoiding traffic violations and car accidents can help you get a lower rate on your auto insurance.
Check for discounts. Many insurers offer a wide range of discounts you can stack to maximize your savings. For example, you can get a multi-car discount when you insure at least two cars. The multi-policy discount is another lucrative discount, providing up to 30% when you bundle two policies, such as homeowners, renters insurance, or life insurance.
Compare company quotes. Getting an auto insurance quote from multiple companies can help ensure you get the best price for the insurance coverage you need.
Compare personalized quotes from the cheapest insurers in Aurora.
Knowing the answers to the most common questions about affordable auto insurance in Aurora can help you get the best policy at the most competitive rates.
State Farm has the cheapest car insurance in Aurora, at $70 per month, according to Compare.com data.
Auto insurance costs $178 per month on average in Aurora, according to Compare.com data. Basic liability costs $119 per month, while full coverage typically costs $236.
But rates vary by age, driving record, vehicle make and model, and ZIP code — your actual rate may be more or less depending on your personal factors.
Colorado drivers must have at least 25/50/15 liability insurance: $25,000 per person, $50,000 per accident in bodily injury liability, and $15,000 per accident for property damage liability.
If authorities catch you driving without car insurance, you’ll pay a fine of $500 or more and potentially face driver’s license suspension and 40 community service hours. Harsher penalties come with subsequent violations.
Colorado General Assembly, “Mandatory Automobile Insurance in Colorado,” accessed December 3, 2024.
Insurance Institute for Highway Safety, “Older drivers,” accessed December 3, 2024.
Insurance Institute for Highway Safety, “Teenagers,” accessed December 3, 2024.
J.D. Power, “2023 U.S. Auto Insurance Study,” accessed December 3, 2024.
J.D. Power, “2023 U.S. Auto Claims Satisfaction Study,” accessed December 3, 2024.
National Insurance Crime Bureau, “Vehicle Thefts Surge Nationwide in 2023,” accessed December 3, 2024.
NOLO, “Colorado Car Insurance Laws and Requirements,” accessed December 3, 2024.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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