Cheap Car Insurance in Aurora, CO

Written by Xuyun Zeng and 2 others
Updated Oct 14, 2025
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Cheap Car Insurance in Aurora, CO

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With its close proximity to Denver, Aurora faces many of the traffic challenges seen in larger metro areas. According to the U.S. Census Bureau, the mean travel time for drivers in Aurora going to work is about 29 minutes. On any given day, there are up to 100 active construction work zones within the city. Robust car insurance that protects your finances can give you peace-of-mind as you navigate Aurora roads.

We’ve gathered data from real Jerry customers that show how different factors affect your car insurance costs in Aurora.

More: Best car insurance in Colorado

Cheapest minimum coverage insurance in Aurora

To legally drive in Colorado, drivers must carry these minimum coverages:

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

Here are the cheapest insurance rates for minimum coverage in Aurora, according to quotes received by Jerry customers.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$27 $327 Progressive 39 06/16/25 Aurora, CO 80010
$30 $365 Progressive 44 10/10/25 Aurora, CO 80017
$34 $407 Geico 34 09/22/25 Aurora, CO 80247
$35 $425 Progressive 38 06/15/25 Aurora, CO 80015
$37 $439 Progressive 52 08/20/25 Aurora, CO 80016
$38 $457 Progressive 37 06/14/25 Aurora, CO 80011
$39 $464 Geico 34 08/13/25 Aurora, CO 80014
$40 $475 Progressive 39 06/16/25 Aurora, CO 80017
$40 $477 Progressive 44 09/06/25 Aurora, CO 80013
$42 $507 Progressive 61 09/10/25 Aurora, CO 80017
Last Updated Oct. 15, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

More: Cheapest car insurance in Colorado

Cheapest full coverage insurance in Aurora

Driving in Aurora may require extra caution in the winter, when conditions can be snowy and icy. And if you’re one to leave your car idling to warm up, you risk losing it to a thief.

Colorado’s minimum required insurance won’t protect your finances if you need to repair it after it slides into another vehicle, or if it’s stolen. You’d need full coverage — which combines comprehensive coverage and collision insurance— in those situations.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$74 $893 Progressive 44 06/23/25 Aurora, CO 80011
$77 $929 Progressive 39 06/16/25 Aurora, CO 80013
$78 $937 Progressive 37 06/14/25 Aurora, CO 80011
$83 $993 Geico 44 07/28/25 Aurora, CO 80014
$87 $1,040 Bristol West 43 06/22/25 Aurora, CO 80015
$89 $1,072 Geico 49 09/11/25 Aurora, CO 80013
$90 $1,081 Progressive 46 06/27/25 Aurora, CO 80013
$92 $1,103 Progressive 40 08/27/25 Aurora, CO 80011
$100 $1,199 Bristol West 57 10/10/25 Aurora, CO 80019
$101 $1,215 Progressive 35 09/08/25 Aurora, CO 80012
Last Updated Oct. 15, 2025

More: Best car insurance companies

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

Cheapest car insurance for young drivers in Aurora (18-29 years old)

Young drivers tend to pay the highest rates, and drivers in Aurora who are under 30 aren’t spared. Check out the cheapest rates for drivers in Aurora, based on real quotes from Jerry customers.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$61 $730 ROOT 26 No 09/07/25 Aurora, CO 80011
$72 $862 ROOT 29 No 07/01/25 Aurora, CO 80016
$74 $885 Mendota 24 No 07/31/25 Aurora, CO 80013
$87 $1,040 ROOT 23 No 07/30/25 Aurora, CO 80011
$91 $1,092 ROOT 23 No 07/01/25 Aurora, CO 80017
$89 $1,072 Geico 49 09/11/25 Aurora, CO 80013
$90 $1,081 Progressive 46 06/27/25 Aurora, CO 80013
$92 $1,103 Progressive 40 08/27/25 Aurora, CO 80011
$100 $1,199 Bristol West 57 10/10/25 Aurora, CO 80019
$101 $1,215 Progressive 35 09/08/25 Aurora, CO 80012
Last Updated Oct. 15, 2025

More: Get cheap car insurance the smart way, today

Cheapest car insurance for mature drivers in Aurora (30-54 years old)

Mature drivers between the ages of 30 and 54 typically get lower insurance rates than younger drivers. The table below shows the cheapest rates for mature drivers in Aurora, based on real quotes from Jerry customers.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$27 $327 Progressive 39 No 06/16/25 Aurora, CO 80010
$30 $365 Progressive 44 No 10/10/25 Aurora, CO 80017
$34 $407 Geico 34 No 09/22/25 Aurora, CO 80247
$35 $425 Progressive 38 No 06/15/25 Aurora, CO 80015
$38 $457 Progressive 37 No 06/14/25 Aurora, CO 80011
$89 $1,072 Geico 49 09/11/25 Aurora, CO 80013
$90 $1,081 Progressive 46 06/27/25 Aurora, CO 80013
$92 $1,103 Progressive 40 08/27/25 Aurora, CO 80011
$100 $1,199 Bristol West 57 10/10/25 Aurora, CO 80019
$101 $1,215 Progressive 35 09/08/25 Aurora, CO 80012
Last Updated Oct. 15, 2025

Cheapest car insurance for older drivers in Aurora (55+ years old)

Drivers who are 55 and older typically pay low car insurance rates, but premiums may rise as they reach their 70s. The table below shows the cheapest quotes for seniors in Aurora, based on real quotes from Jerry customers.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Has Full Coverage
$42 $507 Progressive 61 09/10/25 Aurora, CO 80017 No
$43 $513 Progressive 58 06/30/25 Aurora, CO 80012 No
$64 $768 Bristol West 64 05/23/25 Aurora, CO 80010 No
$68 $812 Bristol West 71 05/13/25 Aurora, CO 80011 No
$70 $839 The General 64 09/17/25 Aurora, CO 80013 No
$89 $1,072 Geico 49 09/11/25 Aurora, CO 80013
$90 $1,081 Progressive 46 06/27/25 Aurora, CO 80013
$92 $1,103 Progressive 40 08/27/25 Aurora, CO 80011
$100 $1,199 Bristol West 57 10/10/25 Aurora, CO 80019
$101 $1,215 Progressive 35 09/08/25 Aurora, CO 80012
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with clean records in Aurora

A clean driving record can help ensure you're paying the lowest possible rate. Here are quotes Aurorans with no accidents, violations or claims have received via Jerry

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$27 $327 Progressive 39 06/16/25 No Aurora, CO 80010
$30 $365 Progressive 44 10/10/25 No Aurora, CO 80017
$34 $407 Geico 34 09/22/25 No Aurora, CO 80247
$35 $425 Progressive 38 06/15/25 No Aurora, CO 80015
$38 $457 Progressive 37 06/14/25 No Aurora, CO 80011
$42 $507 Progressive 61 09/10/25 No Aurora, CO 80017
$43 $513 Progressive 58 06/30/25 No Aurora, CO 80012
$48 $575 Progressive 51 09/19/25 No Aurora, CO 80013
$49 $582 ROOT 46 07/22/25 No Aurora, CO 80018
$49 $583 Progressive 39 06/16/25 No Aurora, CO 80013
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with low credit scores in Aurora

Car insurance companies in Colorado can a credit-based insurance score to set rates, and drivers with lower scores tend to pay higher premiums. This means you may have to rate shop with multiple insurers to find a low-cost policy. The table below shows the cheapest quotes for drivers with credit scores below 550, based on Jerry customer data.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $58 $697 Progressive 45 06/08/25 Aurora, CO 80012
<550 $64 $771 The General 52 01/16/24 Aurora, CO 80010
<550 $72 $861 Bristol West 29 03/29/25 Aurora, CO 80017
<550 $76 $907 The General 33 11/13/24 Aurora, CO 80012
<550 $76 $909 The General 25 02/16/24 Aurora, CO 80013
$42 $507 Progressive 61 Aurora, CO 80017
$43 $513 Progressive 58 Aurora, CO 80012
$48 $575 Progressive 51 Aurora, CO 80013
$49 $582 ROOT 46 Aurora, CO 80018
$49 $583 Progressive 39 Aurora, CO 80013
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with at-fault accidents in Aurora

Getting into an accident will typically raise your insurance rates, but since insurers penalize accidents differently, your quotes may vary. The table below shows the cheapest quotes that drivers in Aurora with at-fault accidents on their records have received through Jerry.

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $42 $509 Progressive 29 No 12/31/21 Aurora, CO 80014
At Fault With No Injury $57 $689 Progressive 31 No 05/18/21 Aurora, CO 80012
At Fault With No Injury $61 $736 Kemper 35 No 01/26/21 Aurora, CO 80010
At Fault With No Injury $62 $743 Bristol West 38 No 06/25/25 Aurora, CO 80011
At Fault With No Injury $67 $801 Progressive 26 No 07/31/20 Aurora, CO 80017
$42 $507 Progressive 61 No Aurora, CO 80017
$43 $513 Progressive 58 No Aurora, CO 80012
$48 $575 Progressive 51 No Aurora, CO 80013
$49 $582 ROOT 46 No Aurora, CO 80018
$49 $583 Progressive 39 No Aurora, CO 80013
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with speeding tickets in Aurora

A speeding ticket is likely to raise your rates, but the size of the increase may depend on how fast you were going when you were cited. Here are quotes from Jerry customers in Aurora with speeding tickets on their records.

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Speeding under 15 $86 $1,032 Dairyland 37 09/05/25 Aurora, CO 80017
Speeding under 15 $114 $1,367 The General 30 09/07/25 Aurora, CO 80013
Speeding under 15 $119 $1,423 Dairyland 24 09/04/25 Aurora, CO 80016
Speeding under 15 $136 $1,632 National General 28 09/17/25 Aurora, CO 80014
Speeding under 15 $226 $2,709 Kemper 42 06/26/25 Aurora, CO 80013
$42 $507 Progressive 61 09/10/25 Aurora, CO 80017
$43 $513 Progressive 58 06/30/25 Aurora, CO 80012
$48 $575 Progressive 51 09/19/25 Aurora, CO 80013
$49 $582 ROOT 46 07/22/25 Aurora, CO 80018
$49 $583 Progressive 39 06/16/25 Aurora, CO 80013
Last Updated Oct. 14, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

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Our experts
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

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Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

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Lacie Glover

Lacie Glover is a Lead Writer and Editor with sixteen years’ experience in the insurance category. Prior to Jerry, she spent more than a decade on NerdWallet’s content team writing, editing and then overseeing the auto insurance category, as well as dabbling in other insurance and automotive topics. Prior to her career in the online personal finance content space, Lacie spent time in the hard sciences, in clinical research and chemistry labs. She has a bachelor’s degree from Colorado State University.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.
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