Cheapest car insurance companies in Aurora
Geico and Southern Farm Bureau have the cheapest car insurance premiums for Aurora drivers in 2023, based on a data study by Insurance.com.
The car insurance company in Aurora that provides the cheapest car insurance premiums is Geico, with an average annual rate of $1,406 .
When it comes to car insurance costs in Aurora, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy.
| Companies | Average annual rates |
|---|---|
| Geico | $1,406 |
| USAA | $1,614 |
| Southern Farm Bureau | $2,077 |
| State Farm | $2,104 |
| Kemper Insurance | $2,337 |
| Auto-Owners | $2,711 |
| Allstate | $3,092 |
| Progressive | $3,322 |
| Farmers | $4,000 |
| Acuity Insurance | $4,116 |
Cheapest car insurance cost in Aurora by Age Group
The cheapest auto insurance company in Aurora for teen drivers is Southern Farm Bureau. For full coverage, its average annual rate for Aurora drivers is $4,131. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
When compared to other car insurance companies, Geico turned out to be the cheapest car insurance company for young drivers in Aurora, offering full coverage at an annual average cost of $1,999.
As Aurora drivers transition into their 30s, they can enjoy significantly lower auto insurance costs compared to their 20s. Geico stands out as the cheapest car insurance option for adult drivers, with an annual premiumThe payment required for an insurance policy to remain in force. Auto insurance premiums are quoted for either 6-month or annual policy periods. of $1,397.
If you are a senior driver in Aurora and looking for a cheap car insurance company, then consider buying insurance from Geico. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,559 per year.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Acuity Insurance | N/A | $5,261 | $4,255 | $3,992 |
| Southern Farm Bureau | $4,131 | $3,127 | $2,202 | $2,524 |
| Geico | $4,976 | $1,999 | $1,397 | $1,559 |
| USAA | $5,551 | $2,616 | $1,644 | $1,679 |
| State Farm | $5,944 | $3,453 | $2,118 | $2,020 |
| Auto-Owners | $6,400 | $4,294 | $2,735 | $2,633 |
| Allstate | $7,806 | $4,325 | $3,139 | $2,979 |
| Progressive | $7,882 | $5,578 | $3,353 | $3,299 |
| Kemper Insurance | $8,208 | $4,255 | $2,362 | $2,558 |
| Farmers | $8,954 | $4,656 | $3,911 | $3,945 |
Cheapest car insurance companies in Aurora by driver profile
Insurers in Aurora consider various factors, including driver profile, to calculate car insurance premiums. You can expect to pay significantly higher rates if you have a history of accidents or traffic citations on your driving record. On the other hand, those with a clean driving record enjoy more affordable coverage.
It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Aurora that suits your budget.
Below are some of the cheapest car insurance companies in Aurora by driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: USAA
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Aurora drivers at about $1,950 per year.
Know which car insurance companies offer affordable car insurance for drivers with poor credit scores in Aurora.
| Company | Average annual rates |
|---|---|
| Geico | $1,950 |
| Nationwide | $2,500 |
| USAA | $2,839 |
| State Farm | $3,468 |
| Progressive | $3,765 |
| Allstate | $4,064 |
| Farmers | $5,140 |
Cheapest for drivers with a speeding ticket: USAA
Based on recent data analysis, 30-year-old drivers in Aurora with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $1,692.
Find the best car insurance company for your needs by comparing quotes from different carriers. Don't assume that the cheapest option for someone else will also be the cheapest for you. Take the time to shop around and get the coverage that best suits your needs.
| Company | Average annual premium |
|---|---|
| USAA | $1,692 |
| State Farm | $1,869 |
| Geico | $2,297 |
| Nationwide | $2,504 |
| Allstate | $2,701 |
| Progressive | $2,794 |
| Farmers | $4,079 |
Cheapest auto insurance after an at-fault accident: State Farm
Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.
Drivers in Aurora with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $2,005 annually.
| Company | Average annual rates |
|---|---|
| State Farm | $2,005 |
| USAA | $2,295 |
| Geico | $2,698 |
| Nationwide | $2,886 |
| Progressive | $3,618 |
| Allstate | $3,995 |
| Farmers | $4,747 |
Cheapest auto insurance after a DUI: State Farm
In Aurora, State Farm has the cheapest car insurance rates for individuals with DUI on their record. The company provides a full coverage policy at an average cost of $1,869 a year.
If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers.
| Company | Average annual rates |
|---|---|
| State Farm | $1,869 |
| Progressive | $3,125 |
| USAA | $3,255 |
| Geico | $3,681 |
| Allstate | $3,851 |
| Nationwide | $4,050 |
| Farmers | $4,908 |
Average car insurance cost in Aurora
On average, Aurora drivers pay $2,432 annually, or $203 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Aurora is $573.
While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.
| Average annual Rates | $2,432 |
| State minimum average | $573 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington, D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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