Aurora drivers pay an average of $2,441/year — $670 more than the national average. With 5,099 crashes per year and a 3.5 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $917/year.
(888) 217-6781Estimated full coverage auto insurance rates for Aurora, CO from top carriers. Rates are adjusted for Aurora's 5,099 annual crashes, 3.5 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $812 | $135/mo |
| GEICO | $927 | $155/mo |
| Progressive | $1,042 | $174/mo |
| American Family | $1,094 | $182/mo |
| State Farm | $1,138 | $190/mo |
Estimates based on 2026 rate filings for ZIP 80045. USAA is cheapest at ~$135/mo. Actual rates vary by driver profile and exact Aurora location.
These Aurora-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Aurora, CO. Takes under 2 minutes.
(888) 217-6781As a major city in Colorado with 386,261 residents, Aurora combines urban traffic density with suburban sprawl. This mix creates varied driving conditions — from congested downtown arteries to high-speed suburban connectors — that influence insurance pricing. Vehicle theft and accident rates in Aurora track above the state average due to the metro area's size, but savvy drivers find competitive rates by comparing multiple carriers.
For official Colorado insurance regulations, visit the Colorado Division of Insurance. For driver licensing, see the Colorado DMV.
Your specific ZIP code within Aurora can swing your premium by hundreds of dollars. Here's how rates compare across Aurora neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 80054 | Aurora South Side | $2,303/yr | $192/mo |
| 80050 | Aurora North Side | $2,339/yr | $195/mo |
| 80053 | Aurora West Side | $2,378/yr | $198/mo |
| 80053 | Aurora East Side | $2,502/yr | $209/mo |
| 80045 | Aurora Downtown/Central | $2,630/yr | $219/mo |
The cheapest ZIP is 80054 (Aurora South Side) at $2,303/yr. The most expensive is 80045 (Aurora Downtown/Central) at $2,630/yr — a $327/year difference for the same driver.
Your Aurora ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Aurora. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,126/yr | $427/mo | +110% vs avg |
| Young Adult (20-25) | $3,417/yr | $285/mo | +40% vs avg |
| Adult (26-35) | $2,441/yr | $203/mo | 0% vs avg |
| Mid-Career (36-50) | $2,148/yr | $179/mo | -12% vs avg |
| Senior (51-65) | $2,026/yr | $169/mo | -17% vs avg |
| 65+ | $2,172/yr | $181/mo | -11% vs avg |
Teens in Aurora pay an average of $5,126/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $2,026/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Colorado cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Aurora drivers can save up to $917/year. ZIP 80054 (Aurora South Side) has the lowest rates starting at $2,303/yr.
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