Buy Car Insurance in Aurora, Colorado

Find the best rates for Aurora drivers with your profile by comparing quotes with the Jerry app.
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Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Jessica Barrett, Senior Car & Insurance Editor
Drivers in
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.


Years in business: 86
Jerry user rating: 4.2/5
AM Best rating: A++ (Superior)
Average annual full coverage rate with Jerry: $2515
Average annual minimum coverage rate with Jerry: $833
Aurora motorists can find an affordable auto insurance policy with
—especially teen drivers or those with less than savory driving records. Plus, if you own your home, you can bundle your homeowners and car insurance to see significant savings off your final price.
Read our full Progressive car insurance review
“I had progressive when I was 18 and it honestly wasn’t that bad, it was sorta expensive at the time. I’m 20 now and it’s been updated so well. I’ve been in an accident recently and they really took care of me when other insurance companies didn’t.” —Raul D.


Years in business: 92
Jerry user rating: 4.4/5
AM Best rating: A- (Superior)
Average annual full coverage rate with Jerry: $2719
Average annual minimum coverage rate with Jerry: $1281
One of the more grandfathered-in providers,
has a plethora of insurance services and discounts to choose from—such as a money-back guarantee if you aren’t happy with your assessment and several programs to help secure lower average rates, like Milewise and Drivewise.
Read our full Allstate car insurance review
“Really good. I honestly like the savings that they do provide.” -—Angel J.


Years in business: 87
Jerry user rating: 3.9 stars
AM Best rating: A++ (Superior)
As far as auto insurance companies go,
offers a lot of insurance products to its policyholders. GEICO’s average insurance premiums are among the lowest and they have a healthy selection of available discounts and coverage options.
Read our full GEICO car insurance review
“Good. They always do their job and made me feel comfortable.” —Randy R.
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:
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.
app screenshot
After downloading the app, you’ll need to provide some basic information about you, your household, and your vehicle.
Make sure you enter everything accurately as this helps insurance companies provide personalized quotes.
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 driver require different types of policies, and you might benefit from one with additonal 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.
Jerry presents quotes based on four kinds of coverage levels:
Basic: The bare minimum insurance coverage required by Colorado.
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Basic + full coverage: The mandatory minimum limits plus comprehensive and collision coverage. Standard: $50k/$100k/$50k liability coverage and full coverage, plus add-ons like uninsured motorist coverage and medical payments.
Preferred: $100k/$300k/$100k liability coverage and a wider collection of add-ons, such as rental reimbursement and roadside assistance.
Most Aurora drivers opt for the Standard plan or a policy with
full coverage
and moderate-to-high liability limits. If you’ve leased or financed your vehicle, you’ll need to have collision and comprehensive coverage.
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.
app screenshot
If you’re happy with your final price, you’ll need to enter your payment information and finalize your policy.
It typically takes about one to three hours to activate coverage through the Jerry app—so if you need same-day coverage, Jerry’s got you covered.
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.
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.
Insurance company
Average rate increase after a DUI
State Farm


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

Check out insurers that cater to military members

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.
Direct Auto
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. 


All premium data in this article comes from real car insurance quotes obtained through the Jerry app and analyzed by our editorial team. Jerry’s data scientists analyzed over 25 million real quotes issued to users in Jerry’s proprietary database. Jerry is partnered with 55+ insurance companies in 48 states. 
Unless otherwise stated, all data represents the average of the lowest quoted price for a currently insured single driver with a single vehicle at time of writing: December 13, 2023.
All quotes shown in this article are real auto insurance quotes obtained through the Jerry app for the following profile: 
  • Driver: 36-year-old female 
  • Location: Aurora, CO
  • Vehicles: 2016 Honda Civic EX, driven daily for commute
  • Driving record: Clean
  • Credit score: 660
Minimum coverage refers to policies with the following coverage limits: 
  • $25,000 bodily injury liability coverage per person
  • $50,000 bodily injury liability coverage per accident
  • $15,000 property damage liability coverage per accident
Full coverage refers to policies that contain at least the minimum liability required by law in Colorado along with comprehensive and collision insurance with deductibles of either $500 or $1,000. 


What is the cheapest legit car insurance?

State minimum insurance is the cheapest coverage, but it’s generally not the best car insurance—or the most cost-effective in the long run. State minimum limits aren’t high enough to cover the true cost of most serious accidents and could leave you vulnerable to financially crippling lawsuits and out-of-pocket costs for damage to your vehicle.

Who has the highest auto insurance rates?

Insurance rates vary based on a number of factors, including your age, ZIP code, vehicle make, and driving history. Rates are typically highest for young drivers and those with previous violations. 

How much is car insurance in Aurora CO?

Drivers in Aurora pay an average cost of $116 per month for minimum liability coverage or $194 per month for full coverage insurance.

Where is the cheapest car insurance in Aurora CO?

The fastest way to find cheap car insurance is to compare quotes online—Aurora drivers who used Jerry scored affordable rates from providers like Progressive, Safeco, and National General.

Will I pay more for car insurance in Aurora than the rest of CO?

Drivers in Aurora pay about 10% more for car insurance than the Colorado state average, which is why it’s so important to shop around for the best rate.


Meet our Experts

R.E. Fulton
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Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
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Licensed Insurance Agent
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Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.