Best Cheap Car Insurance in Aurora for 2021 – Bankrate.com

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Aurora, Colorado, is only eight miles outside of Denver and is the third-largest city in the state. It was the first city in Colorado to provide a dockless bike sharing program to encourage residents to try alternative ways to get around. However, cars are still an essential mode of transportation for many residents. The average cost of car insurance Aurora has is $685 for the minimum amount of vehicle insurance as required by the state and $2,281 for full coverage.
Car insurance in Aurora is both a legal requirement and a financial investment. Finding ways to save on coverage could free up your monthly budget for other expenses. This Bankrate analysis looks at the best car insurance companies in Aurora based on coverage options, average premiums and customer ratings.
Finding the right coverage depends on more than cheap car insurance. The right balance between being under and over insured is important. Buying the minimum amount of coverage may be acceptable if you drive an older vehicle and do not own your home, but you may want to consider full car insurance and higher limits if you have assets such as a house, newer car or savings and investments. Take a look at how rates can vary for the same amount of coverage based on the carrier.
Texas-based American National is the cheapest car insurance company in Aurora on average and provides unique coverages designed to protect you financially. You can add roadside assistance, gap coverage or ACE insurance, which is short for added coverage endorsement. The add-on pays for replacement parts when your vehicle is damaged. In addition, bundling car and home insurance can help you save money by sharing the same deductible. If you experience a home and auto loss at the same time, you will only be responsible for one deductible.
USAA would have been our pick for the best carrier because of the low rates and highest customer satisfaction ratings of all carriers in the state. However, USAA’s insurance products are only available to past and present Armed Forces personnel and their families. Military-friendly coverages include discounts for storing a vehicle while deployed or international car insurance coverage for overseas military who shipped their vehicle.
Grange provides current and prospective policyholders more than a dozen discounts to save money on premiums. To expand your vehicle policy, you can add full glass repair coverage or an original equipment manufacturer (OEM) endorsement to use original dealer or manufacturer parts for repairs to your car.
Auto-Owners Insurance is highly rated for the local, personal service its agents provide. You will find three independent agents in Aurora and another 16 nearby in Denver. The carrier’s coverages set Auto-Owners apart. You can add new car replacement that reimburses you for the purchase of a new vehicle if yours is declared a loss. The Personal Automobile Plus package includes ten types of coverage including lock re-keying, cell phone insurance and identity theft protection. And if you are involved in a crash with another Auto-Owners policyholder, the carrier will waive your collision deductible.
Bankrate’s average cost of car insurance analysis found that Colorado drivers pay $2,016 per year. The cheapest car insurance companies in Aurora charge significantly less than the state average.
Geico provides the cheapest average rates for both minimum and full car insurance in Aurora. USAA is only available to members who are affiliated with the military. For complete car insurance, Auto-Owners provides packages that include multiple coverages. State Farm and Farmers are both known for their strong local presence with offices throughout the city.
You will need liability insurance to legally drive in Colorado. However, liability insurance does not cover your vehicle if it needs repairs or replacement after an at-fault accident. Full coverage costs more, but is more complete. The state’s mandated car insurance minimums are:
Colorado has a provision for drivers who wish to self-insure. Vehicle owners over 25 can apply for a self‑insurance certificate from the State Insurance Commissioner instead of buying car insurance.
Even if you find coverage you can afford, you may be able to get a further reduction by qualifying for discounts offered by your carrier. You could earn the biggest discounts using:
You may not be eligible for every discount, and not every provider offers the same discount or has the same requirements and savings for similar discounts. Get quotes and talk to an insurance agent to see what kind of discounts may apply to you.
The best car insurance company in Aurora will depend on you. Consider your top priorities with coverage options, discounts, what kind of methods you like to contact a provider or file a claim, the quotes you get and other factors to decide which option is the best fit.
The annual average cost of car insurance in Aurora is $685 for minimum vehicle insurance and $2,281 for full coverage.
Aurora drivers need liability insurance of at least $25,000 per person and $50,000 per accident in bodily injury, as well as $15,000 in property damage coverage.
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.
These are sample rates and should be used for comparative purposes only. Your quotes may be different.
Bankrate.com is an independent, advertising-supported publisher and comparison service. Bankrate is compensated in exchange for featured placement of sponsored products and services, or your clicking on links posted on this website. This compensation may impact how, where and in what order products appear. Bankrate.com does not include all companies or all available products.
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