Nearly 62% of Aurora, Colorado, residents are homeowners, many with a need to affordably protect what may be their biggest asset. One of the best ways to protect your home is with homeowners insurance. If you’re looking for the best cheap home insurance in Aurora, Bankrate has done the work to evaluate dozens of home insurance companies to help you find the most affordable rates for the coverage you need to protect your home. We’ve compared pricing, coverage, accessibility, features and third-party scores and ratings to bring you the best cheap home insurers in Aurora.

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Quick Facts
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Two Thirds
2 out of 3 homes
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1 out of every 20
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Best cheap home insurance companies Aurora

The top three best cheap home insurance companies in Aurora are Auto-Owners, Grange and USAA, according to data obtained from Quadrant Information Services. The 2022 average cost of home insurance in Aurora is $2,045 per year for $250,000 in dwelling coverage. To help you compare home insurers to find your right fit, Bankrate has developed the Bankrate Score. Each carrier is evaluated on multiple factors and given a rating on a five-point scale. Factors include annual quoted premiums, available discounts, coverage options, online and mobile accessibility and features, financial strength ratings and customer satisfaction scores.

These five companies offer cheap home insurance in Aurora below the average annual premium and are some of the best options in the city.

Home insurance company Bankrate Score Average annual premium for $250K dwelling coverage J.D. Power score
Auto-Owners 4.3 $1,137 Not rated
Grange 3 $1,305 Not rated
USAA* 4.8 $1,512 893/1,000
Allstate 3.9 $1,597 870/1,000
Chubb 4.4 $1,747 862/1,000

*Not officially ranked with J.D. Power due to eligibility restrictions


Of the providers analyzed in Aurora, Auto-Owners offers the lowest average annual rate for homeowners insurance on our list. Though the carrier was not included in the 2022 J.D. Power U.S. Property Claims Satisfaction Study, it ranked above average and seventh overall for customer satisfaction in the 2021 J.D. Power U.S. Home Insurance Study, contributing to its higher Bankrate Score of 4.3. Homeowners can personalize their home insurance with several add-ons, like guaranteed home replacement cost, equipment breakdown, water backup and home cyber protection.

Learn more: Auto-Owners Insurance review


Grange did not rank in the J.D. Power studies, which is not surprising given this small insurer is only available in 13 states. However, Grange offers valuable coverage to Aurora homeowners. In addition to standard coverage, Grange has options for endorsements such as cyber security insurance to cover your personal digital data. If a member of your family is in an assisted living facility, Grange extends the option to add coverage for their personal belongings. Despite its policy features, Grange receives an overall Bankrate Score of 3, the lowest of the Aurora cheapest home insurance companies. Its Bankrate Score is impacted partly by its limited state availability and low-rated mobile app.

Learn more: Grange Insurance review


USAA is not as widely available to homeowners as some of our other choices, as it only sells policies to members of the U.S. military, veterans and their qualifying families. Policies are geared toward the needs of servicemembers, including coverage for military uniforms. You can also tailor your USAA homeowners policy with home sharing and earthquake coverage. USAA has a well-earned reputation for providing excellent customer service, as evidenced by its high J.D. Power score. Its well-rated coverage also reflects in USAA’s 4.8 Bankrate Score, the highest of the cheap home insurance carriers in Aurora on our list.

Learn more: USAA Insurance review


In addition to the standard coverage types of an HO-3 policy, Allstate has options such as coverage for identity theft, business property and yard and garden to protect from damage to your landscaping. Additional policy features could include Claim RateGuard, which keeps your premium costs from increasing after filing a single claim within a five-year period. Allstate also offers Deductible Rewards, which offers $100 off your deductible just for signing up, and an additional $100 off for every year you stay claim-free. However, Allstate has the second highest average annual rate in Aurora of the cheap insurers on our list, ranked below average in property claims satisfaction and received a 3.9 Bankrate Score.

Learn more: Allstate Insurance review


Of the best cheap insurers in Aurora, Chubb has the highest premium on our list, but it packs a lot of value in its base home policy. Its policies mainly cater to high-value homeowners, with useful features like cash settlement if you decide not to rebuild after a covered loss, risk consulting, extended replacement cost, lock replacement, electronic data restoration and HomeScan, which can detect where insulation is needed, potential leaks and hazardous electrical connections. Chubb earns a high Bankrate Score of 4.4 and has an A++ (Superior) financial strength rating from AM Best, the highest rating possible. However, Chubb ranks below average for customer satisfaction in the J.D. Power Property Claims Study.

Learn more: Chubb Insurance review

Other Aurora home insurance coverages to consider

If you have a mortgage on your home, your lender likely requires you to carry homeowners insurance. While home insurance in each state is not mandated the way that auto insurance is, few homeowners go without insurance due to the costs of rebuilding after a disaster, such as a home fire, which can lead to financial hardship when left to be covered completely out of pocket.

A standard HO-3 policy, the most common type of home insurance, kicks in for covered perils up to the limit of your coverage, as well as your belongings and liability. Here are some common coverage options, called endorsements, that you could add to your policy:

  • Flood insurance: Flooding is one of the main gaps in standard coverage, which does not include it. You may be able to purchase flood coverage through your insurer in the form of a separate flood policy from the National Flood Insurance Program.
  • Landslides or mudslides: Due to its terrain, Colorado sees its fair share of landslides and mudslides. These natural disasters can cause devastating damage to your home and may not be covered unless you have a specific coverage add-on.
  • Identity theft: More people are finding themselves the victims of identity theft, and it takes time and money to recuperate from such a theft. This optional coverage can help pay for legal fees, lost wages and other identity-theft related costs.

Home insurance discounts in Aurora

To achieve affordable home insurance in Aurora, you’ll want to take advantage of any discounts that are available to you. Almost all major insurers have at least a few and they tend to be fairly easy to earn. Here are some that are common in Colorado:

  • New home: Some insurers offer a discount if you have purchased your home within the past 12 months. You may also earn a discount if your home is a new build.
  • Multi-policy: If you are happy with your homeowners insurance company, consider purchasing your auto insurance from them as well. This will likely save you a few percentage points off your premiums.
  • Protective devices: Smoke detectors, sprinkler systems, security systems and anything else that makes your home safer and more secure is likely to earn you a discount.
  • Gated community: If you live in a gated community or one where there is a security presence, residence cards or a key-lock device to enter, you may earn a discount.

Though discount impact varies by carrier, the discounts with the biggest impact on your premium are usually the multi-policy discount and claims-free discount. These discounts can be stacked together to maximize your savings, which can help you get the best cheap home insurance in Aurora even with important added coverage, if needed.

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