What is the Average Cost of Car Insurance in Aurora?

Aurora, located in “big sky” country, has a population of 379,289. Commuters, from the age of 16 and up, spend about 29.7 minutes going from home to work and back. Over an entire work week, that’s almost five hours spent in traffic, and that’s without taking into account driving for groceries, entertainment, etc.

Residents of Colorado, including Aurora, are also vulnerable to auto theft. In 2018, 14,845 vehicles were stolen, giving the Denver-Aurora-Lakewood metropolitan area a rank of 13. This works out to a rate of 506.24 per 100k local residents.

Both commute time and auto theft can have a strong impact on insurance premiums. In areas where commutes are longer and likelihood of theft is high, insurance premiums rise in response to the increased risk that the insurance company will have to pay out on more policies.

And, when a driver or vehicle owner files a claim, whether it’s for theft or for damage to the vehicle, the insurance company responds by boosting the price of their coverage. In the event of theft or the vehicle is declared totaled by the insurance adjuster, the owner has to buy a replacement vehicle, insure it, and absorb the financial cost of the premium increase.

What are the Insurance Requirements in Aurora?

Aurora has some of the most expensive vehicle insurance costs in Colorado. For instance, in the 80247 ZIP code, the monthly premium for auto insurance is $696. Annually, the average premium runs $2,047. Expanding the geographical area outward, the average annual premium for vehicle insurance is $1,759 in Denver. That’s a noticeable difference.

As with nearly all other states in the US, Colorado has set minimums for the car insurance they expect their residents to hold if they are to own and drive a vehicle. Colorado’s minimum is 25/50/15. This refers to 3 types of coverage: bodily injury to a single person, bodily injury to multiple persons, and property damage. Respectively, the minimum coverage for these three types of coverage are $25,000, $50,000, and $15,000.

Most Expensive and Least Expensive Insurance Rates by Zip Code

Cheap Car Insurance in Aurora by Insurer

Vehicle owners in Aurora do have options when it comes to their vehicle insurance. Namely, they can choose between a plethora of company and coverage options. Some companies may weight your good driving history as being more important than the level of accidents in your community, so make sure you get as much information as possible before signing onto a plan.

Are you looking for cheap car insurance close by? Check out this guide to help you.

Low Cost Auto Insurance for Bad Credit in Aurora

While some states don’t allow it, Colorado car insurance companies can use your credit score to affect your premium. However, not every insurance provider will weight this factor as strongly as they could. That means that, even if you have a poor credit score, you can still find car insurance you can afford.

Our bad credit guide can help you find low cost auto insurance rates close by.

Difference Between Liability and Full Coverage

What is Liability Only Insurance Coverage?

Liability-only coverage is the cheapest option for automobile insurance. This coverage level only covers vehicles that are not at fault in an accident. Thus, if you carry liability-only coverage and cause an accident, the other driver will be covered by your policy. Any damage done to your car must be covered out of pocket, if at all.

What is Full Coverage Car Insurance?

Liability-only insurance is the least amount of insurance that one can purchase. This satisfies your legal requirement to drive and register your vehicle in {location-state}. For many people, this is not sufficient coverage because it does not cover their losses if they are at fault and do damage to their own vehicle or if they sustain damages in a hit-and-run or from an uninsured driver.

Collision covers when one is at fault and their own vehicle is damaged. If you have a car that is worth more than a few thousand dollars, it is often a wise investment to buy collision insurance each year. However, collision insurance coverage is pricey and will increase your insurance cost per year quite drastically.

Comprehensive covers those oddball things that happen that you cannot control, like damaged windshields and collision with animals on the road. It also covers your loss when someone purposely damages your vehicle in an act of vandalism. In addition, comprehensive covers theft of your vehicle, fire and weather, or acts of nature. An example of the latter would be if your car was crushed under a tree that fell in a wind storm.

Difference Between the Two Types of Coverage

The main difference between liability and full coverage insurance is that full coverage will cost more than liability insurance and this is because it protects you against many more possible risks that liability doesn’t cover.

In addition, liability insurance only covers other people’s injury claims and damages to other vehicles where full coverage will cover other’s injuries and vehicle damages as well as your injuries and damage to your own vehicle.

Average Annual Car Insurance Rates in Colorado by City

Additional cities in Colorado you can check out.




Ways to Lower Your Auto Insurance Rates

There are many car insurance discounts and ways to save on your policy in Aurora:

  • Shop around:

    It could not be clearer. The smallest difference in our driver demographics between the most expensive and the bargain insurance rate was over $1,100 yearly. It is a good idea to shop around yearly, especially if your policy rate goes up, since insurance carriers can change their rates whenever they feel it’s necessary.

  • Avoid accidents and moving violations:

    These will increase your rate, sometimes substantially.

  • If you have an accident or moving violation:

    It is often a good idea to spend a little bit of money now and attend traffic school, rather than have these violations stay on your driving record for years.

  • Insure your home and car with the same company:

    If you can insure your home or apartment and your vehicles with the same insurance carrier, you can also save money, as there is often a discount for bundling multiple services.

  • Look for discounts :

    Often, there are good driver rates for those with no moving violations or student driver rates. Sometimes, your insurance agent will not tell you about these discounts, but you can find them online.

  • Rates are influenced by the type of vehicle :

    Insurance rates are much higher if you carry full liability and have a vehicle you are paying off. Sometimes it is best to buy a new car and just maintain it thoroughly. Eventually, you will have no car payment, and you can eventually drop the collision insurance. When cars get to a certain age, you will not receive enough back from the insurance company if your car is totaled in an accident to justify buying the collision insurance each year.

Use our guide to find discounts and lower your insurance premium costs.

What are the Factors that Affect Your Auto Insurance Premiums?

Your car insurance rates can change over time. One of the most reliable factors that will impact your premiums is your age. The older you are, the lower your insurance premiums should be. You may also find your rates vary depending on the car you drive. Sports cars or jeeps may incur higher premiums, while SUVs and sedans are cheaper to insure.

Rates are also impacted by your gender and age, though young women will have lower rates than their same-aged male friends. Actuarial tables show that young drivers are more prone to speeding, alcohol infractions, and accidents than older people, as are young males rather than females.

You can also reduce your regular premium payments by opting for a higher deductible on your collision and comprehensive coverage packages. You can also opt to pay your premium in a larger, single payment every six months rather than spreading the premium out over monthly payments.

Use our guide to compare car insurance rates with tickets.

Helpful Aurora, Colorado Vehicle Resources:

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