Cheap Car Insurance in Aurora, CO

Written by Xuyun Zeng and 2 others
Updated Sep 28, 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
$22 $265 Progressive 44 September 7, 2025 Aurora, CO 80013
$23 $275 Progressive 49 June 9, 2025 Aurora, CO 80013
$25 $299 Progressive 36 April 22, 2025 Aurora, CO 80012
$27 $323 Progressive 48 July 30, 2025 Aurora, CO 80017
$27 $329 Geico 47 August 17, 2025 Aurora, CO 80016
$38 $452 Geico 43 August 10, 2025 Aurora, CO 80011
$40 $477 Progressive 44 September 6, 2025 Aurora, CO 80013
$40 $483 Progressive 38 September 9, 2025 Aurora, CO 80014
$40 $483 Geico 33 July 6, 2025 Aurora, CO 80010
$42 $507 Progressive 61 September 10, 2025 Aurora, CO 80017
Last Updated Sept. 24, 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
$53 $633 Progressive 43 June 22, 2025 Aurora, CO 80015
$68 $821 Progressive 47 June 4, 2025 Aurora, CO 80016
$72 $865 Bristol West 50 July 17, 2025 Aurora, CO 80013
$73 $873 Progressive 44 June 23, 2025 Aurora, CO 80012
$78 $936 Progressive 39 July 7, 2025 Aurora, CO 80014
$86 $1,028 Bristol West 44 June 23, 2025 Aurora, CO 80017
$94 $1,123 Progressive 41 April 17, 2025 Aurora, CO 80015
$94 $1,132 ROOT 52 August 20, 2025 Aurora, CO 80016
$101 $1,215 Mendota 49 June 9, 2025 Aurora, CO 80013
$104 $1,247 Progressive 25 August 30, 2025 Aurora, CO 80011
Last Updated Sept. 24, 2025

More: Best car insurance companies

Estimate car insurance costs

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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
$50 $606 Geico 23 No July 30, 2025 Aurora, CO 80011
$70 $840 ROOT 28 No August 18, 2025 Aurora, CO 80012
$93 $1,116 ROOT 22 No August 21, 2025 Aurora, CO 80018
$94 $1,125 Bristol West 27 No September 13, 2025 Aurora, CO 80018
$100 $1,194 ROOT 23 No May 28, 2025 Aurora, CO 80012
$86 $1,028 Bristol West 44 June 23, 2025 Aurora, CO 80017
$94 $1,123 Progressive 41 April 17, 2025 Aurora, CO 80015
$94 $1,132 ROOT 52 August 20, 2025 Aurora, CO 80016
$101 $1,215 Mendota 49 June 9, 2025 Aurora, CO 80013
$104 $1,247 Progressive 25 August 30, 2025 Aurora, CO 80011
Last Updated Sept. 24, 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
$23 $275 Progressive 49 No June 9, 2025 Aurora, CO 80013
$25 $299 Progressive 36 No April 22, 2025 Aurora, CO 80012
$27 $323 Progressive 48 No July 30, 2025 Aurora, CO 80017
$38 $452 Geico 43 No August 10, 2025 Aurora, CO 80011
$40 $477 Progressive 44 No September 6, 2025 Aurora, CO 80013
$86 $1,028 Bristol West 44 June 23, 2025 Aurora, CO 80017
$94 $1,123 Progressive 41 April 17, 2025 Aurora, CO 80015
$94 $1,132 ROOT 52 August 20, 2025 Aurora, CO 80016
$101 $1,215 Mendota 49 June 9, 2025 Aurora, CO 80013
$104 $1,247 Progressive 25 August 30, 2025 Aurora, CO 80011
Last Updated Sept. 25, 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
$58 $690 Bristol West 57 April 28, 2025 Aurora, CO 80019 No
$78 $933 The General 60 August 16, 2025 Aurora, CO 80012 No
$79 $942 Dairyland 68 September 14, 2025 Aurora, CO 80015 No
$83 $999 Mendota 58 April 7, 2025 Aurora, CO 80014 No
$87 $1,049 Mendota 55 May 18, 2025 Aurora, CO 80014 No
$86 $1,028 Bristol West 44 June 23, 2025 Aurora, CO 80017
$94 $1,123 Progressive 41 April 17, 2025 Aurora, CO 80015
$94 $1,132 ROOT 52 August 20, 2025 Aurora, CO 80016
$101 $1,215 Mendota 49 June 9, 2025 Aurora, CO 80013
$104 $1,247 Progressive 25 August 30, 2025 Aurora, CO 80011
Last Updated Sept. 25, 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
$23 $275 Progressive 49 June 9, 2025 No Aurora, CO 80013
$25 $299 Progressive 36 April 22, 2025 No Aurora, CO 80012
$27 $323 Progressive 48 July 30, 2025 No Aurora, CO 80017
$38 $452 Geico 43 August 10, 2025 No Aurora, CO 80011
$40 $477 Progressive 44 September 6, 2025 No Aurora, CO 80013
$40 $483 Progressive 38 September 9, 2025 No Aurora, CO 80014
$45 $541 Progressive 46 April 20, 2025 No Aurora, CO 80014
$46 $554 ROOT 46 July 12, 2025 No Aurora, CO 80014
$48 $571 Progressive 40 June 18, 2025 No Aurora, CO 80017
$50 $606 Geico 23 July 30, 2025 No Aurora, CO 80011
Last Updated Sept. 26, 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 June 8, 2025 Aurora, CO 80012
<550 $61 $727 Progressive 45 September 3, 2025 Aurora, CO 80017
<550 $76 $907 The General 33 November 13, 2024 Aurora, CO 80012
<550 $76 $909 The General 25 February 16, 2024 Aurora, CO 80013
<550 $79 $945 Progressive 53 December 17, 2022 Aurora, CO 80010
$40 $483 Progressive 38 Aurora, CO 80014
$45 $541 Progressive 46 Aurora, CO 80014
$46 $554 ROOT 46 Aurora, CO 80014
$48 $571 Progressive 40 Aurora, CO 80017
$50 $606 Geico 23 Aurora, CO 80011
Last Updated Sept. 24, 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 December 31, 2021 Aurora, CO 80014
At Fault With No Injury $61 $727 Progressive 45 No September 3, 2025 Aurora, CO 80017
At Fault With No Injury $61 $736 Kemper 35 No January 26, 2021 Aurora, CO 80010
At Fault With No Injury $62 $738 Mendota 55 No August 14, 2025 Aurora, CO 80012
At Fault With No Injury $62 $743 Bristol West 38 No June 25, 2025 Aurora, CO 80011
$40 $483 Progressive 38 No Aurora, CO 80014
$45 $541 Progressive 46 No Aurora, CO 80014
$46 $554 ROOT 46 No Aurora, CO 80014
$48 $571 Progressive 40 No Aurora, CO 80017
$50 $606 Geico 23 No Aurora, CO 80011
Last Updated Sept. 25, 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 September 5, 2025 Aurora, CO 80017
Speeding under 15 $114 $1,367 The General 30 September 7, 2025 Aurora, CO 80013
Speeding under 15 $119 $1,423 Dairyland 24 September 4, 2025 Aurora, CO 80016
Speeding under 15 $136 $1,632 National General 28 September 17, 2025 Aurora, CO 80014
Speeding under 15 $226 $2,709 Kemper 42 June 26, 2025 Aurora, CO 80013
$40 $483 Progressive 38 September 9, 2025 Aurora, CO 80014
$45 $541 Progressive 46 April 20, 2025 Aurora, CO 80014
$46 $554 ROOT 46 July 12, 2025 Aurora, CO 80014
$48 $571 Progressive 40 June 18, 2025 Aurora, CO 80017
$50 $606 Geico 23 July 30, 2025 Aurora, CO 80011
Last Updated Sept. 29, 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.

MEET 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 $85 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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