Aurora in Colorado is located eight miles from Denver. It is the third largest city. To encourage residents to use alternative modes of transportation, it was the first city to offer a dockless bike-sharing program. Nevertheless, cars remain an important mode of transportation for many residents. Aurora’s average car insurance cost is $685 for minimum coverage and $2,281 to get full coverage.
Car insurance in Aurora is both required by law and an investment. You can save money on your coverage and use the savings to pay for other expenses. This Bankrate analysis examines the best auto insurance companies in Aurora, based on coverage options and average premiums. It also includes customer ratings.
Aurora’s best car insurance companies
The right coverage is dependent on more than cheap auto insurance. It is crucial to find the right balance between being over- and underinsured. If you own your home and have an older vehicle, you might be able to purchase the minimum coverage. However, you should consider full car insurance and higher limits for assets like a house, a newer car, savings, and investments. You can see how different rates may vary depending on which carrier you choose.
American National
American National, a Texas-based car insurance company, is the most affordable in Aurora. It also offers unique coverages that will protect your finances. Add roadside assistance, gap insurance or ACE insurance to your policy. This is short for additional coverage endorsement. This add-on covers the cost of replacement parts if your vehicle is damaged. Bundling your car and home insurance can save you money because they share the same deductible. You will only have to pay one deductible if you suffer a loss in your home or auto.
USAA
USAA was our choice for best carrier due to its low rates and high customer satisfaction ratings. USAA’s insurance products can only be purchased by past and current Armed Forces personnel, as well as their families. These coverages are military-friendly and include discounts on vehicle storage while deployed, or international car insurance coverage for overseas troops who have shipped their vehicle.
Grange
Grange offers current and potential policyholders more discounts to help save money on premiums. You can also add full glass repair coverage to your vehicle policy or an Original Equipment Manufacturer (OEM) endorsement, which allows you to use original parts or dealer parts to repair your car.
Auto-Owners
Auto-Owners Insurance has a high rating for the personal, local service it provides. There are three independent agents located in Aurora, and 16 in Denver. Auto-Owners is distinguished by its coverage. If your vehicle is lost, you can get a replacement car that will reimburse you for the cost of buying a new one. Personal Automobile Plus includes ten types coverage, including lock rekeying, cell insurance and identity theft protection. If you are in an accident with another Auto-Owners policyholder the carrier will waive your collisiondeductible.
Aurora has the lowest car insurance
The average cost for car insurance analysis by Bankrate found that Colorado drivers spend $2,016 annually. The lowest-cost car insurance companies in Aurora are significantly lower than the state average.
Geico offers the lowest average rates on Aurora’s minimum and full auto insurance. USAA is available only to military personnel. Auto-Owners offers a variety of coverages to provide complete car insurance. Farmers and State Farm are well-known for having strong local presences with offices in every part of the city.
Aurora insurance requirements
To legally drive in Colorado, you will need liability insurance. Liability insurance doesn’t cover your vehicle for repairs or replacements after an accident at fault. Although full coverage is more expensive, it’s more comprehensive. Minimum car insurance requirements that the state mandates are:
- $25,000 per accident for death/bodily injuries
- $50,000 for death/bodily injuries per accident
- $15,000 per accident for property damage
Colorado offers a provision that allows drivers to self-insure. Instead of purchasing car insurance, vehicle owners over 25 years old can apply to the State Insurance Commissioner for self-insurance certificates.
Aurora: Car insurance discounts
You may qualify for discounts from your carrier, even if you have coverage that you are able to afford. The following are some of the best ways to get the most discounts:
- Multiline: Most carriers will offer discounts for homeowners and car insurance when you combine them with one provider.
- Accident forgiveness: Your premiums may not rise if you have an at-fault accident.
- Driver tracking: If you sign up for their usage-based program, some carriers offer a discount based upon your driving habits. To get money off your premiums, you will need to install an app that tracks your driving.
- Low mileage: You could be eligible for a discount if you drive less or work remotely.
Not all discount options are available to you. Some providers may offer different discounts or have different requirements. Talk to an agent and get quotes to find out what discounts might be available to you.
Questions frequently asked
Which is the best auto insurance company?
Your choices will determine the best auto insurance company in Aurora. To determine which option is best for you, consider your top priorities in terms of coverage options, discounts and how you prefer to reach a provider.
What is the cost of car insurance in Aurora?
Aurora’s annual average cost for car insurance is $685 for minimum coverage and $2,281 full coverage.
What amount of car insurance do you need in Aurora, Colorado
Aurora drivers require liability insurance that covers at least $25,000 per person, $50,000 per accident in bodily injuries, and $15,000 for property damage coverage.
