Drivers in Aurora can expect to pay an average of $63 per month for state minimum coverage or $202 for full coverage insurance—which is more than the state average. To find the best rates from trustworthy providers, download the Jerry app and shop dozens of free car insurance quotes, all in a few minutes.

The best insurance companies in Aurora, CO

No company is the best for every driver—but when Jerry asked policyholders to rate their insurance companies, a few providers were a cut above the rest.

Every driver is different

Car insurance quotes are highly individualized. The best company for your neighbor might not be the best company for you. Comparing quotes is important because it’s the only way to find the best match between you and your perfect insurance provider.

Find affordable auto insurance in Aurora, Colorado

Car insurance is mandatory in the state of Colorado with state minimum requirements of 25/50/15. What this means is that you’ll need at least:

• $25,000 bodily injury liability coverage per person
• $50,000 bodily injury liability coverage per accident
• $15,000 property damage liability coverage per accident

But no single insurer offers the best premiums for every driver. To find the right insurance company for you, use Jerry to gather free quotes and get personalized rates in Aurora, CO.

1. Download the Jerry app to find free quotes

Shopping with an insurance broker is the best way to make sure you’re getting the coverage you need for the best price. Once you build your profile, Jerry will compare dozens of quotes from insurance companies in Aurora in minutes.

Get the most out of your search

While local insurers in Aurora may only work with a few companies, Jerry partners with more than 55 car insurance providers to find you the best rate.

2. Compare coverage options and pricing

Your first quote might look good, but be sure to consider all your options. Different drivers require different types of policies, and you might benefit from one with additional coverage—or the one with the lowest premium might be perfect.

If you’re unsure which company to choose, you can click “Jerry verified” to see customer reviews and expert ratings.

Expert Tip

Be sure to buy enough liability coverage to cover all your current assets and anticipated future earnings. Liability insurance covers court costs stemming from an accident you’re responsible for. It only takes a single mistake to jeopardize your financial safety, and increasing your liability limits to $100k/$300k/$100k typically only costs a few extra dollars per month.

3. Enter your payment information and secure your policy

Once you find a policy that speaks to you, all that’s left to do is click “Confirm your rate” and complete the remainder of your profile information. Don’t sleep on this step—insurance quotes are subject to change, so delaying getting your final quote might mean that you end up with a higher rate.

Once your policy is all set up, be sure to turn on the automatic reshop feature. The app pulls new quotes for you before renewal or when a new provider enters your area so that you’re always aware of the best rates.

How to avoid high car insurance rates in Aurora, CO

Auto insurance rates differ based on a lot of things, like your age, vehicle make and model, where you live, your credit score, and even marital status. But there are a few factors you can take control of to keep Aurora car insurance costs on the low end.

Practice defensive driving

Aurora is a hotspot for distracted drivers. In fact, the entire state of Colorado has a reputation for poor drivers, with Smart Asset ranking it the 10th worst state for bad driving.¹

You can practice defensive driving on the road by following these simple tips:

• Avoid distractions: Silence your phone, don’t eat or drink at the wheel, and pull off the road if you’re getting tired.
• Plan ahead: Figure out a route and schedule beforehand to avoid speeding or driving while tired. 
• Maintain a safe distance: Keep at least six seconds between you and the next car in good conditions—and add a second in more adverse weather.
• Keep an eye out: Scan the road for potential hazards as you drive and be prepared to stop or adjust your speed accordingly. 

Avoid speeding

Since 2019, the rate of fatal car accidents has risen in Colorado—with 611 reported in 2023 compared to 545 in 2019.² While fatal crashes have dipped since last year, the Aurora Police Department has launched a new photo speed program to incentivize motorists to stick to the posted speed limits.³

Speeding ticket fines in Colorado can range anywhere from $30 for going 1-4 mph over the speed limit to over $1,000 for speeding heavily in a construction or school zone.

Speeding has long-term effects

Say goodbye to cheap car insurance if you have a speeding ticket on your record. Not only does speeding in Colorado come with hefty fines, but your car insurance rates can also spike by 25% or more.

Never drive under the influence

You should never drive under the influence in any state, but Colorado has seen some egregious numbers regarding DUI incidents. Though Aurora isn’t the state’s largest city, it had the highest number of deaths caused by DUIs in 2023.⁴

Driving under the influence is extremely dangerous—for you and for your insurance. A single DUI charge could raise your insurance rates by an average of 42% to 164% depending on your provider.

Methodology

To determine these average increases, our editorial staff combined data from Forbes Advisor, NerdWallet, Bankrate, ValuePenguin, and Insurance.com. The data in the table above represents the average of the data contained in these sources.

Check out insurers that cater to military members

USAA is one of the cheapest car insurance companies for active military members and veterans but plenty of other providers offer savings to those in the military, too.

GEICO, AFI, and Direct Auto have military discounts to help you and your family save on the cost of car insurance—sometimes up to 25% off. You could also see:

• Emergency deployment discounts
• Storage discounts for deployed service members
• Discounts for vehicles stored on a military base

Save big with discounts 

Car insurance discounts can reduce the cost of your auto insurance coverage. While many common discounts are automatically applied to your policy, you might need to ask your insurance provider if you’re looking for student or affiliate discounts.

Here are a few discounts that you might be eligible for:

• Safe driver discount: If you’ve been accident free for 3-5 years (depending on your insurer), you’ll probably be eligible for a discounted rate.
• Telematics discount: Many insurance providers offer discounts of up to 30% or more if you sign up for telematics and display safe driving habits.
• Payment discounts: Enabling electronic payments or paying your premium in full could shave as much as 10% off your bill. 
• Paperless discounts: Signing your documents online or opting to receive policy paperwork via email could earn you a discount. 

Sources

1. https://smartasset.com/data-studies/states-with-the-most-irresponsible-drivers-2022 ↩︎
2. https://www.codot.gov/safety/traffic-safety/assets/fatal-crash-data-city-county/fatal-crashes-since-2002_20231204.pdf ↩︎
3. https://www.auroragov.org/residents/public_safety/police/APD_news/a_p_d_news_july_2023/aurora_police_launches_photo_speed_program ↩︎
4. https://kdvr.com/news/local/aurora-ranks-as-deadliest-dui-city-in-colorado-so-far-this-year/ ↩︎

MEET OUR EXPERTS

Maria Cruz

Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.

Jessica Barrett

Jessica Barrett is a senior insurance writer and editor with 10 years of experience in the automotive and travel industries. A specialist in car insurance, car loans, and car ownership, Jessica’s mission is to create comprehensive content that car owners can use to manage their costs and improve their lives. As a managing editor for a team of writers and insurance specialists, Jessica has edited over 2,000 articles for Jerry on topics ranging from local insurance shopping tips to refinancing car loans with bad credit. Before joining Jerry as a senior content editor in 2021, Jessica created visual content for clients such as Expedia, Vivid Seats, Budget Direct Car Insurance, Angie’s List, and HomeAdvisor. Her content was published in Business Insider, Forbes, Apartment Therapy, and the BBC.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.