Insurance Costs in Aurora, CO
Auto insurance in Aurora averages $2,379 per year for full coverage, which is higher than the national average. Here is a detailed breakdown of what residents pay.
Updated July 2026Auto Insurance in Aurora, CO: What You Need to Know
Aurora residents pay an average of $2,379 per year for full coverage auto insurance, which is 12.0% above the Colorado state average and 42.1% above the national average.
With a population of 386,261, Aurora is one of the largest cities in Colorado. Higher population density, more traffic congestion, and increased accident risk all contribute to above-average insurance rates.
Coverage Level Comparison
| Coverage Type | Annual Cost | Monthly Cost |
|---|---|---|
| Full Coverage (100/300/100) | $2,379 | $198 |
| Standard Coverage (50/100/50) | $1,951 | $163 |
| State Minimum (25/50/15) | $999 | $83 |
Homeowners Insurance in Aurora, CO
The average cost of homeowners insurance in Aurora is $2,908 per year ($242/month), which is 59.8% above the national average.
Home insurance costs are influenced by local factors including weather risks (hail, wind, flooding), property values, local building costs, and proximity to fire stations.
Renters Insurance in Aurora, CO
Renters insurance in Aurora averages $228 per year ($19/month). Renters insurance is affordable and protects your personal belongings, provides liability coverage, and may cover temporary living expenses if your rental becomes uninhabitable.
Compare with Other Colorado Cities
| City | Auto Insurance | Home Insurance |
|---|---|---|
| Denver | $2,443/yr | $3,079/yr |
| Colorado Springs | $2,018/yr | $3,364/yr |
| Fort Collins | $1,869/yr | $2,708/yr |
| Lakewood | $2,230/yr | $2,851/yr |
| Thornton | $2,230/yr | $2,708/yr |
| Arvada | $2,082/yr | $2,794/yr |
| Westminster | $2,166/yr | $2,708/yr |
| Pueblo | $2,294/yr | $2,338/yr |
How to Save on Insurance in Aurora
- Shop around. Get quotes from at least 3-5 different insurers. Rates in Aurora can vary by $500 or more between companies for the same coverage.
- Bundle auto and home/renters. Many companies offer 10-25% off when you carry multiple policies.
- Increase your deductible. Raising your deductible from $500 to $1,000 can cut your premium by 15-30%.
- Ask about local discounts. Some insurers offer discounts for anti-theft devices, safe driving courses, or parking in a garage.
- Review coverage annually. Your needs change over time. Make sure you are not paying for coverage you do not need.
Frequently Asked Questions
How much is car insurance in Aurora, CO?
The average cost of car insurance in Aurora, CO is $2,379 per year for full coverage, or about $198 per month. Minimum coverage costs around $999 per year.
Is car insurance expensive in Aurora?
Yes, car insurance in Aurora is above both the state and national averages.
How much is home insurance in Aurora?
Homeowners insurance in Aurora costs an average of $2,908 per year. Your actual cost depends on your home's value, age, construction type, and specific location.