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Last updated: December 10, 2025Best Cheap Car Insurance in Aurora, Colorado
USAA, State Farm, CSAA, American Family and Nationwide are our top picks for the best cheap auto insurance in Aurora.
Best Major Insurer
Editor's Rating:4.9/5
Average Cost in Aurora
- Full Coverage Monthly: $211
- Minimum Coverage Monthly: $64
Best for Customer Satisfaction
Editor's Rating:4.5/5
Average Cost in Aurora
- Full Coverage Monthly: $166
- Minimum Coverage Monthly: Data not available
Best for Military/Veterans
Editor's Rating:5/5
Average Cost in Aurora
- Full Coverage Monthly: $161
- Minimum Coverage Monthly: $70
Key Takeaways
- Auto insurance in Aurora costs less than the Colorado average for full coverage but more than the state average for minimum coverage. It averages $2,810 annually for full coverage and $1,092 annually for minimum coverage.
- USAA, CSAA, State Farm and Nationwide offer some of the best and cheapest auto insurance in Aurora, and all four insurers have high ratings for customer satisfaction.
- Average rates can help you compare companies, but your premium will vary depending on various factors, like your age, driving history and vehicle.
Our Top Picks for the Best Cheap Auto Insurance in Aurora
- Best Major Insurer: State Farm
- Best for Customer Satisfaction: CSAA (AAA)
- Best for Military/Veterans: USAA
- Best for Families With Teens: American Family
- Best for Low-Mileage Drivers: Nationwide
Compare the Best Cheap Auto Insurance in Aurora
| Company | Full coverage annual average | Minimum coverage annual average | Southwest customer satisfaction (J.D. Power) |
|---|---|---|---|
| State Farm | $2,530 | $763 | Above average |
| CSAA (AAA) | $1,989 | Not available | Above average |
| USAA | $1,936 | $844 | Above average* |
| American Family | $2,459 | $1,104 | Below average |
| Nationwide | $2,470 | $1,185 | Above average |
| Aurora | $2,810 | $1,092 | – |
*J.D. Power doesn’t include USAA in its official rankings due to its eligibility restrictions.
Detailed List of the Best Cheap Providers in Aurora
1. Best Major Insurer - State Farm
What We Like Most:
- Cheap CO rates, including for higher-risk drivers
- Network of local agents
- Lowest rates for minimum coverage in Aurora
Why we chose it
State Farm is the nation’s largest auto insurer, with the wide range of programs and discounts you’d expect from a major firm. In addition to having below-average rates for full coverage and the lowest rates for minimum coverage in Aurora, State Farm rates highly on customer and claims satisfaction measures, thanks in part to the personalized service provided by its network of local agents.
The State Farm Drive Safe & Save program can lower your rates if you drive safely (and as a plus, State Farm advertises that it won’t raise your rates for unsafe driving, unlike other companies’ telematics programs). The company also offers discounts for having advanced safety features; bundling auto, home and/or life insurance policies; and taking a defensive driving course or the teen Steer Clear driver training course.
Who it’s best for
Nearly every driver should consider getting a quote from State Farm, but it’s a particularly good choice if you prefer working with an agent, need specific coverage (like rideshare insurance), or have a DUI or speeding ticket on your record in Colorado.
State Farm Aurora Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $211 | $64 |
| Annually | $2,530 | $763 |
| Difference from Aurora average | -10% | -30% |
2. Best for Customer Satisfaction - CSAA (AAA)
What We Like Most:
- Cheap rates for full coverage in Aurora
- Top-rated customer service
- Roadside assistance and membership perks
Why we chose it
CSAA (California State Automobile Association), a AAA insurer, is our runner-up for the cheapest full coverage auto insurance in Aurora, and it’s the cheapest for nonmilitary drivers who don’t qualify for USAA membership.
At $166 a month, CSAA’s average rate for full coverage is 29 percent lower than the city average. But that’s only half the story; CSAA also ranked first in J.D. Power’s 2025 customer satisfaction study for the Southwest region, making it an excellent choice for drivers who value good service.
Who it’s best for
You must be a AAA member to purchase CSAA insurance. AAA membership starts at $64.99 annually, is generally open to anyone, and comes with a slew of perks, including AAA’s signature roadside assistance program, and discounts on travel and entertainment.
CSAA Aurora Pricing
| CSAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $166 | Not available |
| Annually | $1,989 | Not available |
| Difference from Aurora average | -29% | – |
3. Best for Military/Veterans - USAA
What We Like Most:
- Lowest rates in Aurora for full coverage
- Excellent reputation for service
- Special military programs and discounts
Why we chose it
USAA consistently delivers low rates and outstanding customer service for members of the military community. Its average monthly rate of $161 was the cheapest in our Aurora survey, and its average minimum coverage rate of $70 per month was also well below the citywide average.
Although USAA isn’t eligible for J.D. Power’s official rankings, it routinely outscores other insurers for customer and claims satisfaction. For those who are eligible to join, USAA offers a wide range of financial services, including banking, investments and insurance.
Who it’s best for
USAA membership is open only to members of the military, veterans and their families. In addition to great rates on auto insurance, USAA offers a variety of military-specific discounts, including up to 60 percent off for storing a vehicle while deployed.
USAA Aurora Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $161 | $70 |
| Annually | $1,936 | $844 |
| Difference from Aurora average | -31% | -23% |
4. Best for Families With Teens - American Family
What We Like Most:
- Low incidence of complaints
- Cheapest rates for nonmilitary families with teens in Colorado
- Wide range of discounts
Why we chose it
American Family is a midsize insurer that’s available in 19 states. Although it scored just below average on J.D. Power’s customer satisfaction survey for the Southwest region, its NAIC Complaint Index score was just 0.47, indicating a low incidence of customer complaints for a company of its size. Its rates weren’t the lowest in our Aurora analysis, but its average full coverage premium was below the city average.
American Family offers a wide variety of discounts, including a telematics program and several discounts for young drivers, that may help lower costs. Its average monthly rate for teen drivers ($476) is the second cheapest in Colorado, after USAA, and the lowest nonmilitary rate for teen drivers.
Who it’s best for
American Family’s discounts make it a good option for families with teens. It also has below-average rates for drivers with DUIs or speeding tickets in Colorado. American Family is also a good choice if you want low rates for full coverage and like working with a smaller provider.
American Family Aurora Pricing
| American Family | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $205 | $92 |
| Annually | $2,459 | $1,104 |
| Difference from Aurora average | -12% | +1% |
LEARN MORE:
See the best strategies for lowering your car insurance rates, including raising your deductible, improving your credit, and getting at least three competitive quotes.
5. Best for Low-Mileage Drivers - Nationwide
What We Like Most:
- Pay-per-mile insurance program
- Wide selection of discounts
- High customer service ratings for the Southwest region
Why we chose it
In Aurora, full coverage with Nationwide averages $2,470, or 12 percent below the citywide average. Nationwide stands out for its Nationwide SmartMiles pay-per-mile insurance program, as well as other money-saving features, including accident forgiveness.
If you need an SR-22 to prove financial responsibility following a major traffic violation, Nationwide will file one with the DMV for you.
Who it’s best for
Nationwide’s SmartMiles pay-per-mile program makes this insurer a good fit for low-mileage drivers. It’s also worth getting a quote from Nationwide if you are looking for discounts on full coverage auto insurance from a company with excellent customer service in the region.
Nationwide Aurora Pricing
| Nationwide | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $206 | $99 |
| Annually | $2,470 | $1,185 |
| Difference from Aurora average | -12% | +9% |
Aurora Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Southwest1 | CRASH Network Insurer Report Card2 | J.D. Power Auto Claims Satisfaction Study3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| State Farm | 648 | C- | 716 | 1.21 |
| CSAA | 676 | B- | 720 | 0.98 |
| USAA | 720* | D+ | 741* | 1.31 |
| American Family | 635 | C+ | 702 | 0.47 |
| Nationwide | 661 | C | 729 | 0.90 |
| Average | 636 (out of 1,000) | C+ | 700 | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share; the lower the score, the better |
*J.D. Power doesn’t include USAA in its official rankings due to its eligibility restrictions.
Cheapest Full Coverage Car Insurance in Aurora
USAA has the cheapest average rate for full coverage car insurance in Aurora, at $1,936 per year, or 31 percent lower than the city average. CSAA and GEICO have the next-lowest rates in Aurora, at $1,989 per year and $2,328 per year, respectively.
| Company | Monthly Aurora average | Annual Aurora average |
|---|---|---|
| USAA | $161 | $1,936 |
| CSAA | $166 | $1,989 |
| GEICO | $194 | $2,328 |
| American Family | $205 | $2,459 |
| Nationwide | $206 | $2,470 |
| State Farm | $211 | $2,530 |
| Colorado Farm Bureau | $228 | $2,739 |
| Progressive | $231 | $2,770 |
| Auto-Owners | $248 | $2,971 |
| Allstate | $256 | $3,069 |
| Travelers | $295 | $3,540 |
| Farmers | $350 | $4,198 |
| Aurora average | $234 | $2,810 |
| Colorado average | $243 | $2,917 |
| U.S. average | $196 | $2,356 |
Cheapest Minimum Coverage Car Insurance in Aurora
State Farm has the cheapest average rate for minimum coverage car insurance in Aurora: $763 per year, or 30 percent below the city average. USAA, GEICO and Progressive also have below-average minimum coverage rates in Aurora.
| Company | Monthly Aurora average | Annual Aurora average |
|---|---|---|
| State Farm | $64 | $763 |
| USAA | $70 | $844 |
| GEICO | $85 | $1,019 |
| Progressive | $86 | $1,027 |
| American Family | $92 | $1,104 |
| Sun Coast | $94 | $1,128 |
| Root | $95 | $1,140 |
| Allstate | $95 | $1,143 |
| Nationwide | $99 | $1,185 |
| Auto-Owners | $120 | $1,434 |
| Aurora average | $91 | $1,092 |
| Colorado average | $70 | $837 |
| U.S. average | $60 | $722 |
How Many Car Accidents Happen in Aurora?
Aurora, Colorado, had 6,146 car crashes in 2024, according to the Colorado Department of Transportation.5 Aurora also ranked fourth in the nation for the worst drivers among U.S. cities in a 2025 study by Consumer Affairs.6 Their analysis of 2024 National Highway Traffic Safety Administration (NHTSA) data found the following:
- Total traffic deaths in Aurora: 16.66 per 100,000 people
- Fatal crashes involving bad driving: 11.02 per 100,000 people
- Deaths involving DUIs: 5.38 per 100,000 people
- Deaths involving speeding: 6.92 per 100,000 people
- Deaths involving positive BAC readings: 7.43 per 100,000 people
DRIVE SAFELY:
You can’t eliminate a high incidence of traffic accidents in your city, but you can take steps to drive safely. Consider raising your liability limits, adding collision coverage, or using a telematics app to monitor — and possibly improve — your driving habits. You may qualify for telematics discounts.
Traffic Fatality Rates in Aurora by Year
Over the past 14 years for which data is available, Aurora experienced a clear upward trajectory in both total fatalities and fatality rates, especially after 2015. By 2023, Aurora’s fatality rate (16.5) rose to significantly exceed the national rate (12.2), indicating that traffic risks in Aurora have increased at a faster pace than national trends.
| Year | Total Aurora Fatalities | Aurora Fatality Rate per 100k population | National Fatality Rate per 100k population |
|---|---|---|---|
| 2010 | 10 | 3.1 | 10.7 |
| 2011 | 21 | 6.3 | 10.4 |
| 2012 | 15 | 4.4 | 10.8 |
| 2013 | 19 | 5.4 | 10.4 |
| 2014 | 18 | 5.1 | 10.3 |
| 2015 | 25 | 6.9 | 11.1 |
| 2016 | 31 | 8.4 | 11.7 |
| 2017 | 26 | 7.0 | 11.5 |
| 2018 | 32 | 8.4 | 11.3 |
| 2019 | 31 | 8.0 | 11.1 |
| 2020 | 36 | 9.3 | 11.8 |
| 2021 | 41 | 10.5 | 13.0 |
| 2022 | 48 | 12.2 | 12.8 |
| 2023 | 65 | 16.5 | 12.2 |
Pedestrian Fatality Rates in Aurora by Year
Pedestrian fatalities in Aurora notably increased beginning in 2016, with especially sharp spikes in 2022 and 2023. Aurora’s pedestrian fatality rate in these later years more than doubled the national average. Like in many other states, pedestrians are at greater risk of dying in traffic crashes than vehicle drivers or passengers.
| Year | Pedestrians Killed in Aurora | Aurora Pedestrian Fatality Rate per 100k population | National Pedestrian Fatality Rate per 100k population |
|---|---|---|---|
| 2010 | 3 | 0.9 | 1.4 |
| 2011 | 5 | 1.5 | 1.4 |
| 2012 | 5 | 1.5 | 1.5 |
| 2013 | 2 | 0.6 | 1.5 |
| 2014 | 6 | 1.7 | 1.5 |
| 2015 | 1 | 0.3 | 1.7 |
| 2016 | 9 | 2.4 | 1.9 |
| 2017 | 6 | 1.6 | 1.9 |
| 2018 | 8 | 2.1 | 2.0 |
| 2019 | 10 | 2.6 | 1.9 |
| 2020 | 10 | 2.6 | 2.0 |
| 2021 | 8 | 2.1 | 2.3 |
| 2022 | 20 | 5.1 | 2.3 |
| 2023 | 17 | 4.3 | 2.2 |
Data represented in the tables above was collected from the NHTSA.7
Minimum Auto Insurance Requirements in Colorado
Car insurance laws in Colorado require all drivers to maintain liability coverage with the following minimums:
- Bodily injury liability: $25,000 per person/$50,000 per accident
- Property damage liability (to others): $15,000 per accident
Uninsured and underinsured motorist coverage is optional in Colorado. So are comprehensive and collision coverage, which protect your vehicle against damages in an accident. Unless you reject it in writing, $5,000 in medical payments coverage is included with your auto insurance policy.8
These liability limits are low. If you get into a major accident, minimum coverage may not be adequate. Higher limits for bodily injury, property damage and medical payments, as well as additional comprehensive and collision coverage, are worth considering, if you have the budget.
Frequently Asked Questions
USAA and CSAA offer the cheapest full coverage car insurance in Aurora, Colorado, with average monthly premiums of $161 and $166, respectively. The cheapest minimum coverage auto insurance is from State Farm, at an average monthly rate of $64.
Car insurance in Aurora is more expensive than the national average. In Aurora, full coverage car insurance averages $2,810 per year, compared with $2,356 nationally, and minimum coverage averages $1,092 per year in Aurora, versus $722 per year nationally.
Multiple factors contribute to Aurora’s high auto insurance rates. Colorado was the worst state for auto theft in our analysis of motor vehicle theft by state, with 583 thefts per 100,000 inhabitants in 2023. Snow, sleet, rain and wind create hazardous driving in Colorado. Aurora also ranked fourth for having the worst drivers in America, according to a Consumer Affairs study. Overall, rising repair and car replacement costs are driving up auto insurance rates everywhere, creating a perfect environment for high rates.
As expensive as car insurance is in Aurora, $300 a month is still higher than the city averages for both full and minimum coverage insurance. However, average rates don’t necessarily reflect what you’ll pay for a policy. Many factors affect car insurance rates, including your age, vehicle, driving record and coverage types.
For the best gauge of what you should pay for auto insurance, get car insurance quotes from at least three providers based on your information and requirements, and ask about auto insurance discounts that can help lower your premium.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Aurora, Colorado, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
- Claims handling (25%): A good claims handling process from an auto insurer is prompt, transparent and efficient, with clear communication throughout, fair evaluation of the damages, and a timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Auto Claims Satisfaction Study, and financial strength from sources like AM Best and S&P. Real-life customer experiences are included when available.
- Customer experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC Complaint Index, Better Business Bureau ratings, and app store reviews.
- Coverage options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap insurance, rideshare coverage and more.
Read more about our ratings and methodology.
Writer
Gayle has written several articles for AutoInsurance.com, including guides to cheap auto insurance in Atlanta and Sacramento. Her work has appeared on various personal finance, banking and business sites, including (most frequently) the consumer blog for Experian. She’s also written for a number of magazines, including Entrepreneur, Independent Business, Fit Pregnancy, Men’s Fitness and Shape.
Sources
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyTop Rated U.S. Car Insurance Companies for 2025. Crash Network. (2025).
https://www.crashnetwork.com/irc/Satisfaction with Auto Insurance Claims Strained by Higher Deductibles, More Total Losses, J.D. Power Finds. J.D. Power. (2025, Oct 28).
https://www.jdpower.com/business/press-releases/2025-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htmSafety Crash Data. Colorado Department of Transportation. (2025).
https://www.codot.gov/safety/traffic-safety/data-analysis/crash-dataWhere are the worst drivers in America? Consumer Affairs. (2025, Aug 14).
https://www.consumeraffairs.com/automotive/worst-drivers-in-america.htmlTraffic Safety Facts Annual Report Tables. NHTSA. (2025).
https://cdan.dot.gov/tsftables/tsfar.htm#Auto Insurance. Colorado Department of Regulatory Agencies. (2025).
https://doi.colorado.gov/insurance-products/auto-insurance
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