Cheapest Auto Insurance in Aurora, Colorado (2025)

Located just east of the capital of Denver, Aurora, Colorado, is the third-largest city in the state. While the former frontier town has a mild climate, Aurora drivers pay an overall average monthly cost of $186 for car insurance, which is more expensive than the state average of $150 per month.

Aurora’s higher auto insurance rates could be due to its high population and proximity to Denver, which has very high vehicle theft rates. Shopping for the right car insurance can be daunting, from comparing coverages to finding an affordable rate.

Here’s how to compare quotes and find the best auto insurance Aurora has to offer.

3 of the cheapest car insurance companies in Aurora

To make finding the right car insurance for you a little easier, Insurify compiled a list of the best auto insurance companies in Aurora, taking into account average monthly rates and Insurify Quality (IQ) Scores. Keep in mind that the best auto insurance company for you will depend on your unique situation and insurance needs.

Best insurer for cheap rates: State Farm

Best insurer for military members and their families: USAA

Best insurer for discounts: American Family

How to get the cheapest car insurance in Aurora

Car insurance companies consider several factors when setting your car insurance rates. Some of those factors are mostly outside your control, such as your age, repair costs in your area, marital status, crime rates, and the rates of auto accidents and vehicle thefts in your ZIP code.

But you do have some control over other factors, so here are a few tips for residents of Aurora looking for the best rate on cheap car insurance:

• Drive safely. Insurers often reward lower premiums to people who demonstrate safe driving habits. Avoiding accidents and traffic violations can help keep rates low by showing insurers you’re a reliable driver.

• Consider higher deductibles. Increasing your deductible can lower your overall premium because you’re on the hook for covering more of the costs if you have a claim. Just make sure you can afford to pay it if you need to.

• Take advantage of discounts. Many insurance companies offer discounts that can help bring down your premium, such as bundling auto with your homeowners insurance, renters insurance, or life insurance, insuring multiple vehicles on the same policy, installing anti-theft devices in your motor vehicle, or taking a defensive driving course. Talk to your agent about the discounts available to see which ones you might qualify for.

Cheapest liability-only car insurance in Aurora: Progressive

Liability-only car insurance is a type of policy that covers only the other party’s bodily injury and property damage costs in the event of an accident — not damage to your own vehicle. These policies are often attractive to owners of older vehicles looking for a lower rate while still meeting the state’s minimum requirements for car insurance.1

Liability insurance costs an average of $125 per month in Aurora. The insurers below offer affordable liability rates in the city.

Cheapest full-coverage car insurance in Aurora: State Farm

Full-coverage auto insurance is a type of policy that covers both your own property damage costs, as well as the liability and property damage costs of the other party in an accident. This coverage makes sense if you drive frequently, especially if you drive a late-model or new vehicle that would be expensive to repair or replace.1

Aurora drivers pay a monthly average of $247 for full-coverage policies. The companies in the table below offer affordable full-coverage rates in Aurora.

Car insurance requirements in Colorado

Colorado state law requires all automobile owners in the state to carry liability insurance in the form of bodily injury coverage and property damage coverage.

The only exception to this requirement applies to people with more than 25 vehicles registered in their name. They can apply to the state insurance commissioner to qualify as a self-insurer by providing proof that they can pay the state-mandated minimum coverages without insurance.2

Colorado requires the following minimum coverages:

You may also want to purchase optional insurance products in addition to basic coverage. Consider the following important coverage options when shopping for cheap insurance:

Cheapest car insurance for drivers with an incident

An incident is an event that can affect the cost of your car insurance, such as getting in an at-fault accident, getting a speeding ticket, driving under the influence (DUI), or other moving violations. Incidents on your driving record tend to increase your car insurance rates because they indicate that you’re a risky driver.

Cheapest car insurance for drivers with a speeding ticket: Progressive

Several companies in Aurora, Colorado, offer competitive rates for people with a speeding ticket on their driving record.

Aurora drivers with a speeding ticket pay a monthly average of $152 for liability coverage and $300 for full coverage.

This table lists some insurance companies with affordable monthly rates for Aurora residents who have received a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: Progressive

If you have an at-fault accident on your driving record, you may be understandably worried about finding affordable car insurance. Drivers in Aurora with an accident on their record pay an average of $151 per month for minimum coverage.

The following table lists the cheapest car insurance companies for Aurora drivers who have been involved in an at-fault accident.

Cheapest car insurance for drivers with a DUI: State Farm

Finding affordable car insurance after a DUI can be challenging, as many insurers will increase your rates significantly or even deny drivers with DUIs coverage altogether. After a DUI in Colorado, you’ll have to get SR-22 insurance — a certificate from your insurance company proving you have the minimum required insurance coverage.4

Liability-only insurance for Aurora drivers with a DUI costs $201 per month, on average. The price of a full-coverage policy increases to $398 per month.

The following table shows the cheapest car insurance companies in Aurora for drivers with DUIs.

Cheapest car insurance for seniors: State Farm

Experienced drivers tend to be safer on the road, so insurance rates usually decrease around age 35. But they typically increase again around age 70. Drivers 70 and older are involved in more fatal car crashes per mile traveled than middle-aged drivers, according to the Insurance Institute for Highway Safety (IIHS). Insurers raise rates to account for that increased risk.5

Senior drivers in Aurora pay $102 per month, on average, for a liability policy.

This table lists the companies with the lowest average monthly car insurance costs for senior drivers in Aurora.

Cheapest car insurance for teens: Progressive

Auto insurance rates for teen drivers are much higher than those for adults. Teen drivers have little driving experience, and immaturity can lead them to take risks behind the wheel, making them a higher accident risk.6

Liability-only insurance costs teen drivers in Aurora an average of $222 per month, and full coverage costs $438 per month.

Some ways to find savings include keeping teen drivers on their parents’ insurance policy, ensuring they’re assigned to a safe vehicle, and taking advantage of discounts, such as those for being a good student and taking defensive driver courses.

The table below shows companies offering the lowest monthly prices for auto insurance for teens.

Aurora car insurance quotes by credit tier

The state of Colorado allows insurers to consider credit history when underwriting auto insurance policies. Credit scores can affect car insurance rates significantly, as insurers use them to evaluate risk. Drivers with excellent or good credit scores generally receive lower rates than drivers with poor credit.

The table below shows the average Aurora car insurance premiums by credit tier to help you better understand how your credit score can affect your rate.

Is car insurance more expensive in Aurora?

The national average auto insurance rate is $144 per month — less expensive than Aurora’s average of $186.

Part of that difference might be due to Colorado’s terrain. Aurora’s proximity to the picturesque Rocky Mountains makes it an excellent destination for skiers, snowboarders, and other winter sports enthusiasts. But it also means its roadways are subject to snow and ice, which can cause accidents and lead to higher repair costs.

More cities in Colorado

Below, you’ll find average car insurance quotes in some other Colorado cities.