Cheapest Auto Insurance in Arvada, Colorado (2025)

Drivers in Arvada, Colorado, pay an average of $151 per month for car insurance. These drivers pay about the same as the state average of $150 per month and less than the national average of $144.

Though Arvada drivers benefit from relatively average rates, winter weather like blizzards and hailstorms increase the risk of car accidents and property damage and cause insurers to charge higher premiums.

Here’s what you need to know about comparing quotes and finding cheap car insurance in Arvada.

3 of the cheapest car insurance companies in Arvada

State Farm, USAA, and American Family are three of the cheapest car insurance companies in Arvada. However, you shouldn’t just consider the price when shopping around for coverage. Other important factors to compare include coverage options, discounts, and customer satisfaction.

Start your search below to find the auto insurance company and car insurance policy that best fits your insurance needs. Average rates reflect statewide insurance costs.

Best insurer for cheap rates: State Farm

Best insurer for military members and veterans: USAA

Best insurer for coverage add-ons: American Family

How to get the cheapest car insurance in Arvada

Though you can’t change how insurance companies determine insurance premiums, you can take steps to save money. Here are some tips for getting the cheapest car insurance in Arvada:

• Shop around. It’s a good idea to compare car insurance quotes from at least three different companies each year before renewing your insurance policy.

• Search for discounts. Make sure you take advantage of all the discounts you qualify for. Common discounts that can save you a considerable amount of money include savings for safe driving, good grades, and more.

• Raise your deductible. Bumping up your deductible for comprehensive and collision coverage will reduce your monthly insurance premiums. Only increase your deductible if you can afford the out-of-pocket costs in the event of an accident.

• Bundle your coverage. Buying auto and home insurance from the same company can decrease your overall insurance premium.2

Cheapest liability-only car insurance in Arvada: Progressive

Liability-only car insurance covers bodily injury and property damage that you cause to other people in an auto accident. Liability-only insurance doesn’t cover your medical expenses or vehicle repair costs. Colorado law requires drivers to carry a minimum amount of bodily injury liability and property damage liability coverage.

At $76 per month, Progressive offers the cheapest liability-only car insurance in Arvada.

Find the cheapest liability-only coverage options available in Arvada below.

Cheapest full-coverage car insurance in Arvada: State Farm

Generally, full-coverage car insurance includes liability, comprehensive, and collision insurance. Comprehensive insurance covers damage from theft, vandalism, fires, and severe weather. Collision coverage helps pay for damage to your car when you’ve had an accident with another vehicle or collided with an object.

If you took out a loan or lease for your car, the lender or leasing company will likely require you to purchase a full-coverage insurance policy. Even if you don’t need to purchase it, you should consider purchasing it for added vehicle protection.

Full-coverage quotes in Arvada start at $109 per month from State Farm. Here are some of the cheapest monthly quotes for full-coverage car insurance in Arvada.

Car insurance requirements in Colorado

Car owners in Colorado must carry a minimum amount of bodily injury liability and property damage liability insurance.3 Colorado is an at-fault state, which means the driver that causes an accident must cover the other party’s resulting vehicle damage and injury.4

Here are the specific minimum requirements in Colorado:

Because liability insurance doesn’t cover your vehicle, you may want to purchase additional insurance for added protection. Consider the following optional coverages:

Cheapest car insurance for drivers with an incident

The number of incidents on your driving record affects what you pay for car insurance. Incidents include at-fault accidents, speeding tickets, DUIs, and other moving violations. If you have one or more incidents in your driving history, you’ll likely pay more for car insurance.5

The average cost of liability car insurance for Arvada drivers with a past incident is $113 per month. Below, you can see average quotes for Arvada drivers with various driving incidents.

Average cost of car insurance by age

Your age will affect how much you pay for car insurance. Auto insurers charge higher rates for teen drivers than drivers in any other age category because inexperienced drivers tend to get into more accidents. Drivers between ages 30 and 70 benefit from decreasing rates. Once a senior driver enters their 70s, they may face higher rates due to aging-related risk factors.

The table below shows the average monthly quote for drivers in Arvada, from young drivers to drivers in their 70s.

Arvada car insurance quotes by credit tier

Colorado allows insurers to consider your credit-based insurance score as one factor in setting car insurance rates. Drivers with poor credit scores pay higher rates than people with excellent or good credit. Insurers view drivers with bad credit as more likely to file future claims.

The chart below shows the average cost of full-coverage insurance by credit tier in Arvada.