Car Insurance in Aurora, CO

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Insurance for Aurora Drivers

Aurora is the third largest city in Colorado in terms of population and the second largest by land area. Many motorists in the Denver metropolitan area travel considerable distances on roads that have high accident rates.

Interstate 70 ranks in the top 10 most dangerous interstate highways in the United States, with an average of 6.2 fatalities per 100 miles. Interstate 225, East Colfax and East Iliff Avenue in Aurora are also among the most dangerous roads in Colorado. One of the most dangerous intersections in the city is between Mississippi Avenue and Sable Boulevard, where 28 accidents occurred between 2010 and 2015.

State minimum liability requirements apply to the 336,035 Aurora residents who reside in Arapahoe County, 47,720 city residents in Adams County and 2,506 residents in Douglas County. VIU by HUB can provide quotes for liability-only, collision or comprehensive auto insurance policies.

Compare Quotes for Car Insurance in Aurora

The first step towards getting quotes for car insurance is to provide basic information about yourself and your vehicle. Rates from different insurance companies can vary based on your age, gender, driving record, credit score, marital status and the make, model and model year of your vehicle. Compare policy costs and terms of coverage to decide on the best auto insurance.

Mandatory Liability Coverage in Colorado

The Regional Transportation District bus, rail and light rail public transit service is the most affordable way to navigate Aurora and other cities in Colorado. If you prefer the flexibility to travel on your own schedule, you will need car insurance with at least the minimum mandated level of liability coverage. Look for a policy that meets or exceeds the following requirements:

Injury or death of one person: Colorado drivers need at least $25,000 in liability coverage for injuring one person in an accident or causing a single fatality.
Injury or death of more than one person: Your policy should provide at least $50,000 in liability coverage for injuring multiple people or causing more than one fatality in an accident.
Property damage in one accident: You will need at least $15,000 in liability coverage for damaging property, including other vehicles, during an accident.

You may prefer a policy with more liability coverage to avoid paying out of pocket for liability in excess of policy limits. Optional collision or comprehensive coverage can also cover the cost of repairing or replacing your own vehicle.

Average Premiums for Car Insurance in Aurora

The average auto insurance premium in Aurora is $1,986. which is higher than the average for most cities in the state except for Denver and Pueblo. The high cost of coverage is partly due to risks on the road and property crime rates. Aurora ranked as the 20th worst city in the U.S. for drivers in 2018 and had a 40% increase in reported motor vehicle thefts between 2020 and 2021.

Custom Coverage for Colorado Drivers

Comprehensive car insurance and optional benefits for other policy types can cover common expenses, valuable upgrades or the cost of replacing your vehicle. Here are some popular policy options among Aurora drivers:

Auto glass coverage for replacing a damaged windshield or windows
Electronics coverage for the value of aftermarket upgrades
Replacement cost coverage that does not deduct depreciation
Roadside assistance benefits that can cover the cost of a jump-start, tire change or tow

Consider quotes for basic liability, collision or comprehensive policies with your choice of benefits. VIU by HUB is the best way to compare quotes for car insurance in Aurora.

This information is intended for general informational purposes only and is not intended to constitute legal advice.