Aurora, Colorado, is only eight miles outside of Denver and is the third-largest city in the state. It was the first city in Colorado to provide a dockless bike sharing program to encourage residents to try alternative ways to get around. However, cars are still an essential mode of transportation for many residents. The average cost of car insurance Aurora has is $685 for the minimum amount of vehicle insurance as required by the state and $2,281 for full coverage.


Compare rates and save on auto insurance today!

ZIP code
Close X
Advertising Disclosure
This advertisement is powered by, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions.

Compare auto insurance rates

Answer a few questions to see personalized rates from top carriers.
Caret DownCaret Up
Please select age

Save on auto insurance with quotes from trusted providers like:


Drivers switch & save an average of $750+/year

Liberty Mutual

Are you overpaying for auto insurance?


Safe drivers choose Allstate®

Powered by (NPN: 19966249)
Insurance Disclosure, LLC is a licensed insurance producer (NPN: 19966249). services are only available in states where it is licensed. may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.

See more providers in
Choose from insurers in

Car insurance in Aurora is both a legal requirement and a financial investment. Finding ways to save on coverage could free up your monthly budget for other expenses. This Bankrate analysis looks at the best car insurance companies in Aurora based on coverage options, average premiums and customer ratings.

Best car insurance companies in Aurora

Finding the right coverage depends on more than cheap car insurance. The right balance between being under and over insured is important. Buying the minimum amount of coverage may be acceptable if you drive an older vehicle and do not own your home, but you may want to consider full car insurance and higher limits if you have assets such as a house, newer car or savings and investments. Take a look at how rates can vary for the same amount of coverage based on the carrier.

Insurance company J.D. Power customer satisfaction score Average annual premium for minimum coverage Average annual premium for full coverage
American National Not rated $293 $927
USAA 897 / 1000 $388 $1,349
Grange 832 / 1000 $390 $1,986
Auto-Owners 845 / 1000 $537 $1,920

American National

Texas-based American National is the cheapest car insurance company in Aurora on average and provides unique coverages designed to protect you financially. You can add roadside assistance, gap coverage or ACE insurance, which is short for added coverage endorsement. The add-on pays for replacement parts when your vehicle is damaged. In addition, bundling car and home insurance can help you save money by sharing the same deductible. If you experience a home and auto loss at the same time, you will only be responsible for one deductible.


USAA would have been our pick for the best carrier because of the low rates and highest customer satisfaction ratings of all carriers in the state. However, USAA’s insurance products are only available to past and present Armed Forces personnel and their families. Military-friendly coverages include discounts for storing a vehicle while deployed or international car insurance coverage for overseas military who shipped their vehicle.


Grange provides current and prospective policyholders more than a dozen discounts to save money on premiums. To expand your vehicle policy, you can add full glass repair coverage or an original equipment manufacturer (OEM) endorsement to use original dealer or manufacturer parts for repairs to your car.


Auto-Owners Insurance is highly rated for the local, personal service its agents provide. You will find three independent agents in Aurora and another 16 nearby in Denver. The carrier’s coverages set Auto-Owners apart. You can add new car replacement that reimburses you for the purchase of a new vehicle if yours is declared a loss. The Personal Automobile Plus package includes ten types of coverage including lock re-keying, cell phone insurance and identity theft protection. And if you are involved in a crash with another Auto-Owners policyholder, the carrier will waive your collision deductible.

Cheapest car insurance in Aurora

Bankrate’s average cost of car insurance analysis found that Colorado drivers pay $2,016 per year. The cheapest car insurance companies in Aurora charge significantly less than the state average.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $373 $1,203
USAA $388 $1,349
Auto-Owners $537 $1,920
State Farm $618 $1,875
Farmers $625 $2,108

Geico provides the cheapest average rates for both minimum and full car insurance in Aurora. USAA is only available to members who are affiliated with the military. For complete car insurance, Auto-Owners provides packages that include multiple coverages. State Farm and Farmers are both known for their strong local presence with offices throughout the city.

Aurora insurance requirements

You will need liability insurance to legally drive in Colorado. However, liability insurance does not cover your vehicle if it needs repairs or replacement after an at-fault accident. Full coverage costs more, but is more complete. The state’s mandated car insurance minimums are:

  • $25,000 for death/bodily injury per person per accident
  • $50,000 total for death/bodily injury per accident
  • $15,000 for property damage per accident

Colorado has a provision for drivers who wish to self-insure. Vehicle owners over 25 can apply for a self‑insurance certificate from the State Insurance Commissioner instead of buying car insurance.

Car insurance discounts in Aurora

Even if you find coverage you can afford, you may be able to get a further reduction by qualifying for discounts offered by your carrier. You could earn the biggest discounts using:

  • Multiline: If you bundle car and homeowners insurance with the same provider, most carriers will discount your rates for both.
  • Accident forgiveness: You may be able to have one at-fault accident or claim excused from your record to prevent your premiums from increasing.
  • Driver tracking: Some carriers provide a discount based on your driving habits if you enroll for their usage-based program. You typically need to download an app that tracks your driving to receive money off your premiums.
  • Low mileage: If you are working remotely or reducing your vehicle usage, you could earn a discount for driving less.

You may not be eligible for every discount, and not every provider offers the same discount or has the same requirements and savings for similar discounts. Get quotes and talk to an insurance agent to see what kind of discounts may apply to you.

Frequently asked questions

What is the best car insurance company?

The best car insurance company in Aurora will depend on you. Consider your top priorities with coverage options, discounts, what kind of methods you like to contact a provider or file a claim, the quotes you get and other factors to decide which option is the best fit.

How much does car insurance in Aurora cost?

The annual average cost of car insurance in Aurora is $685 for minimum vehicle insurance and $2,281 for full coverage.

How much car insurance do I need in Aurora, Colorado?

Aurora drivers need liability insurance of at least $25,000 per person and $50,000 per accident in bodily injury, as well as $15,000 in property damage coverage.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.