Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 20, 2021

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Here's what you need to know...

  • If you have no insurance, the Colorado DMV will postpone or deny your vehicle registration
  • Liability car insurance is often what many drivers in Aurora choose to purchase to cover their vehicle
  • Severe penalties can occur if you do not show proof of auto insurance when asked by a police officer
  • Insurance providers in Aurora offer several discounts including discounts for anti-theft locks and the use of snow tires

The city of Aurora is one of the faster-growing cities in Colorado. With a fast growing population comes more drivers. With more drivers comes the need for Aurora car insurance!

Compare state car insurance and save with our FREE car insurance comparison tool! Enter your ZIP code above now!

About Aurora, Colorado

Aurora, CO has amazing natural beauty and an ideal atmosphere for sports fans. Aurora is the third largest city by population in the state of Colorado and the 56th most populous city in the country.

To help keep everyone safe and protected, Colorado law requires that everyone driving on its roads register their vehicle and carry proof of continuous financial responsibility. Knowing the state laws and comparing car insurance companies will save Aurora drivers tons of money!

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Requirements for Auto Insurance in Aurora, Colorado

Registration of a vehicle can be denied or postponed by the Colorado Department of Motor Vehicles if there is no insurance coverage for the vehicle being registered.

Monthly Aurora, CO Car Insurance Rates by ZIP Code

Find more info about the monthly Aurora, CO car insurance rates by ZIP Code below:

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Aurora, CO Car Insurance Rates by Company vs. City Average

The cheapest Aurora, CO auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Colorado auto insurance company rates?” We cover that as well.

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The Cheapest Aurora, CO Car Insurance Rates by Credit Score

Your credit score will play a major role in your Aurora, CO auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Aurora, Colorado auto insurance rates by credit score below.

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Aurora, CO Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Aurora, Colorado against other top US metro areas’ auto insurance rates.

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The Cheapest Aurora, CO Car Insurance Rates by Coverage Level

Your coverage level will play a significant role in your Aurora, CO auto insurance rates. Find the cheapest Aurora, Colorado auto insurance rates by coverage level below:

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Average Monthly Car Insurance Rates by Age & Gender in Aurora, CO

These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Aurora. Colorado does use gender, so check out the average monthly auto insurance rates by age and gender in Aurora, CO.

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Aurora, CO Car Insurance Rates by Company and Age

Aurora, Colorado auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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The Cheapest Aurora, CO Car Insurance Rates by Driving Record

Your driving record will affect your Aurora auto insurance rates. For example, a Aurora, Colorado DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Aurora, Colorado auto insurance rates by driving record.

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Factors Affecting Car Insurance Rates in Aurora, CO

Factors affecting auto insurance rates in Aurora, CO may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Aurora, Colorado auto insurance.

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Before a car is allowed to be taken on the road, the driver must show financial responsibility. Aurora offers two methods of showing responsibility.

1. The first one is self-service insurance for individuals who have more than 25 cars registered in their name.

2. The second way is through liability coverage.

Liability car insurance is the only choice for a vast majority of the drivers in Aurora.

Liability refers to the highest amount an insurer will reimburse in case there is an accident. It covers two aspects:

  • Bodily Injury Liability – covers all the medical costs incurred and legal issues which arise due to an accident. Choosing more liability will protect one from going bankrupt in case of a major accident.
  • Property Damage Liability  covers the car and any other types of property, including a home that may have been damaged due to an accident. It prevents one from paying out of pocket in case someone’s property is destroyed.

Aurora requires that all vehicles carry a minimum car insurance of $25,000 in bodily injury for one person in a single accident, $50,000 if there are more people in a car in one accident and $15,000 in property damage for each accident.

These are the bare minimum amounts required by the state car insurance laws, but the cost of even a moderate accident can easily surpass this, so a lot of people prefer to get more coverage.

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Aurora Laws for Car Insurance

Even though law enforcement officials can access all insurance databases, one still must provide proof of financial responsibility when asked for by an officer of the law. This can be done by showing one of the following:

  • A self-insurance certificate
  • An insurance identity card issued by the insurer
  • A letter typed on the insurance company’s letterhead

Penalties for not being able to supply proof of financial responsibility or failure to maintain financial responsibility are rather harsh. Driving without insurance is considered to be a misdemeanor that can lead to the following:

  1. First offense a minimum fine of $500 can be imposed along with four points being added to the driving record with the possibility of suspension.
  2. Second offense a minimum fine of $1,000 and a four-month suspension of driving privileges.
  3. Third offense a minimum fine of $1,000, community service, and an eight-month suspension.

Aurora Car Insurance Companies & Agencies

Car on asphalt road on summer day at park

Aurora car insurers differ greatly in the quotes they offer for similar kinds of policies and risk factors because they determine risks differently. It is also a well-known fact that they compete with one another for business.

So whether one is looking to insure a new car or a used one, it is possible to find cheap car insurance rates by comparing quotes online from many different companies.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Car Insurance Rates

Car insurance premiums are a major expense for the city’s residents.

On average, Aurora residents pay $1,600 in annual car insurance premiums.

By comparing quotes from various insurance providers, it is possible to find the best car insurance rates that are more affordable. Colorado, for example, experiences very harsh winters which causes the numbers of claims the companies received to go up significantly.

Some companies offer discounts to drivers who fit their cars with snow chains or tires. If one drives a car that has good car safety ratings, then they are entitled to preferential rates.

Some Aurora insurance companies also give discounts to drivers who take defensive driving courses.

Aurora Driving and Car Insurance Statistics

Hand of man driving on a highway. Driver insurance concept.

The average Aurora resident spends 27 minutes driving to and from work. With this much time on the road, the chances of accidents increase.

In 2004, there were 25 deadly car accidents within the Aurora city limits. This number can be reduced if each driver takes the proper precautions and does his part by driving safely.

There were a total of 73 victims in the above-mentioned accidents and besides suffering the consequences of the accidents, a majority also had to deal with higher insurance premiums as a result of the accident. In total, there were 44 cars damaged in these accidents.

Owners of these cars most likely had to deal with inconveniences while the cars were in workshops being repaired. Being a careful driver saves a lot of time, aggravation, and money.

Check out the car insurance accident statistics for your area and compare them with other cities.

In 2004, there were 2,472 cars stolen in Aurora. If the car is fully insured, it may be replaced by the insurance company, but it will surely drive up the premiums. It is a good idea to make the car harder to steal by installing anti-theft devices.

Compare Aurora Auto Insurance Quotes

If one feels that his car insurance rates are too high, then it is time to re-evaluate the current policy and start searching online for cheaper rates. Just note that not all insurance companies offer the exact same coverage in their policies.

While one policy may appear to be cheaper, the other may offer greater levels of coverage. When comparisons are being carried out, it is important to make note of the details.

It is also a good idea to make a list of all the requirements without which you cannot do. This way you can be sure to get what you need, and comparing will also become easier.

Once several cheaper quotes for similar coverage are obtained, it may be possible to renegotiate with the existing insurer without having to sacrifice coverage.

Find Colorado car insurance for FREE with our ZIP code search and begin saving today!