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Car Insurance in Aurora

Illustration of van driving by Freeway Insurance headquarters

Located east of Denver, Aurora is the third-largest city in Colorado and it’s steeped in powerful national and military history. Once you leave the Aurora History Museum, though, you can check out the amazing performances at the Aurora Fox Theatre & Arts Center or take in some musical pleasure from the Aurora Symphony Orchestra.

But when you live in a big state with plenty to see and do, you need a good car to drive around in. And that means having the right insurance to protect yourself, your family, and your vehicle. Keep reading to learn everything you need to know about car insurance in Aurora, Colorado!

Quick Facts

  • The average cost of car insurance in Aurora is $125.67
  • In 2019, there were 32 traffic-related fatalities in Aurora

How Much Is Car Insurance in Aurora?

In Aurora, you can expect to pay an average monthly car insurance cost of $125.67. Relatively speaking, that’s expensive: it is more costly than the average car insurance for the state of Colorado, which is $113.48. But it is cheaper than the national average cost of car insurance, which is $135.29.

To give you a better idea of how Aurora stacks up, we have compiled the average car insurance price for other cities throughout Colorado.

City Average Monthly Rate
Boulder $102.55
Colorado Springs $122.04
Denver $123.11
Littleton $109.81

Aurora Car Insurance Rates by Zip Code

Many drivers are surprised to realize that where they live plays a role in how much they pay for insurance. And even within the same city, people will have different car insurance costs in different areas. Below, we have a breakdown of different Aurora zip codes and the average cost of car insurance in each one.

Aurora, CO ZIP Code Average Monthly Rate
80010 $124.72
80012 $132.28
80017 $114.37
80018 $173.81
80045 $85.89

Aurora Car Insurance Rates by Age

While car insurance rates may vary by zip code, you can at least move to a different area to get potentially cheaper rates. But insurance carriers also consider the driver’s age when determining how much to charge for car insurance.

And Aurora is no different in this regard. Below, we have a breakdown of the average cost of car insurance in Aurora based on the age of the driver.

Age Average Monthly Car Insurance Rate
Teenagers $231.21
20s $158.42
30s $108.40
40s $106.09
50s $99.32
60s $92.20
70s $115.67

Driving Conditions in Aurora

How Many Fatal Accidents Happen in Aurora?

In 2019, there were 32 traffic-related fatalities. This was a result of 29 different car accidents.

How Are the Road Infrastructure and Bridges in Aurora?

For the most part, the infrastructure in Aurora, Colorado, is in good hands. In recent years, there have been accessibility problems and long commute times related to the I-70/Picadilly Interchange. But in 2019, the city received a $25 Million Infrastructure Grant to improve accessibility and cut down on commute times by renovating I-70.

On top of this, the city’s Public Works Department works continuously to improve road infrastructure as more people move into the city. This is reassuring news to anyone who has recently moved to the city because they know they will be in safe hands on the road.

Get a Quote for Car Insurance in Colorado Today!

Minimum Car Insurance Requirements in Aurora

We usually recommend that drivers get more than the minimum required car insurance for an area. Still, it’s important to know exactly what the minimum car requirements are for the city of Aurora.

The city has the same requirements as the state. That means you’ll need liability coverage of $25,000 for the injury or death of one person in an accident. Additionally, you must have $50,000 in coverage for the injury or death of more than one person in an accident. Finally, you’ll need $15,000 in coverage for damage to the property of another person.

Why do we recommend getting more than the minimum required insurance coverage? While Aurora is relatively safe to drive around in, all it takes is a single major accident on a minimally insured car to put you into a small mountain of debt.

Factors Allowed in Aurora Car Insurance Rates

Previously, we reviewed some of the factors that affect your car insurance rate, including your age and your zip code. It’s only natural to be curious about the other factors insurance carriers are allowed to consider regarding car insurance rates in Aurora.

In Aurora, carriers are allowed to consider the following factors:

  • Age
  • Zipcode
  • Education & occupation
  • Marital status
  • Credit score
  • Gender

In some cases, changes to any of these factors may result in a lower premium. But one of the best ways to get a lower rate is to pursue discounts through your insurance carrier.

Discounts for Car Insurance in Aurora

Neither the city of Aurora nor the state of Colorado dictates what discounts different carriers can offer. Instead, it is up to the insurance companies to determine what discounts they wish to offer.

Below, we have a list of common discounts available from different carriers within the city:

  • Graphic of a man driving a car

    Safe driving

  • Pink icon of a thief

    Anti-theft device installation

  • Blue icon of a blue car

    Defensive driving course discount

  • Blue icon of a graduation cap

    Good student discount

  • Green icon of a document with a checklist

    Bundled insurance discount

Remember, your carrier may offer these discounts and many more. But you won’t know what discounts are available until you contact them!

What Are the Penalties for Driving Without Insurance in Aurora?

We know that you would never be caught driving without insurance in Aurora or anywhere else. But it is still important to know the exact penalties if you are busted for driving without insurance in this city.

You must pay a $500 fine for your first offense and receive 4 points on your driver’s license. Your license is also suspended until you can provide proof of insurance. The fine for the second offense is $1000, and your license will be suspended for a minimum of four months.

For third offenses and beyond, the minimum fine is $1000. And your license will be suspended for a minimum of eight months.

Additionally, the court may mandate up to 40 hours of community service. And if you are convicted of a DUI or DWI, you may be required to obtain an SR-22 certificate.

Get an Aurora Car Insurance Quote Today!

Closeup of roadmap that says Aurora
As you can tell, it’s important to have good car insurance when driving through Colorado. But do you know where to find the best car insurance in Aurora today?

At Freeway Insurance, we make it easy to get the insurance you deserve. With just a click, you can get a quote online. If you’d like to visit in person, come see us at a local office near you. Alternatively, you can grab your phone and call us at (800) 777-5620 for a quote.