Cheapest car insurance companies in Aurora
After an in-depth analysis, Insurance.com found that Automobile Club MI (AAA) and Travelers are the cheapest car insurance companies in Aurora for 2023.
Automobile Club MI (AAA) has the cheapest car insurance rates in Aurora at an average cost of $1,017 per year.
Car insurance costs may vary in Aurora based on your location, driving record, coverage level and the insurance company you choose. Increase your chances of getting the best deal by comparing car insurance quotes from multiple carriers. The following companies are known to offer the cheapest auto insurance rates in Aurora.
| Companies | Average annual rates |
|---|---|
| Automobile Club MI (AAA) | $1,017 |
| Travelers | $1,110 |
| Geico | $1,195 |
| Auto-Owners | $1,280 |
| Erie Insurance | $1,391 |
| Country Financial | $1,456 |
| Progressive | $1,484 |
| USAA | $1,558 |
| State Farm | $1,678 |
| Allstate | $2,589 |
Cheapest car insurance cost in Aurora by Age Group
The cheapest auto insurance company in Aurora for teen drivers is Erie Insurance. For full coverage, its average annual rate for Aurora drivers is $3,015. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance.
Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance.
Automobile Club MI (AAA) is the cheapest car insurance company for young adults. It offers full coverage auto insurance for young drivers in Aurora at about $1,768 per year.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Aurora is Automobile Club MI (AAA). Its average rate for a full coverage car insurance policy is $1,025 per year.
With an average 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 $1,053, Automobile Club MI (AAA) offers Aurora's senior drivers the cheapest car insurance premiums, ensuring financial security and peace of mind behind the wheel.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| Erie Insurance | $3,015 | $2,271 | $1,410 | $1,488 |
| Auto-Owners | $3,616 | $2,234 | $1,299 | $1,358 |
| Automobile Club MI (AAA) | $3,853 | $1,768 | $1,025 | $1,053 |
| Country Financial | $3,903 | $2,281 | $1,497 | $1,456 |
| Geico | $4,588 | $1,989 | $1,241 | $1,097 |
| Travelers | $4,739 | $1,812 | $1,139 | $1,189 |
| State Farm | $5,124 | $2,866 | $1,697 | $1,660 |
| Progressive | $5,131 | $2,506 | $1,510 | $1,546 |
| USAA | $6,146 | $2,723 | $1,597 | $1,546 |
| Allstate | $8,230 | $4,039 | $2,618 | $2,733 |
Cheapest car insurance companies in Aurora by driver profile
When determining car insurance rates in Aurora, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Aurora that suits your budget.
In Aurora, these insurance companies offer cheap car insurance rates based on your driver profile.
- Cheapest for a driver with poor credit: Nationwide
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Nationwide
Nationwide is the cheapest car insurance option for drivers with poor credit. Its average annual auto insurance cost for Aurora drivers is $1,387.
The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores.
| Company | Average annual rates |
|---|---|
| Nationwide | $1,387 |
| Geico | $1,650 |
| Travelers | $1,661 |
| USAA | $2,017 |
| State Farm | $2,278 |
| Farmers | $2,332 |
| Progressive | $2,663 |
| Allstate | $3,227 |
Cheapest for drivers with a speeding ticket: State Farm
State Farm has the cheapest car insurance premiums for drivers with speeding ticket violations on their records in Aurora. Its full coverage car insurance policy costs an average of $1,150 per year for drivers aged 30.
Remember that the cheapest car insurance company for you may not be the cheapest company for someone else. Ensure you compare car insurance quotes from various carriers to secure the most favorable deal. This way, you can find the insurance company that offers the best rates and coverage for your specific needs.
| Company | Average annual premium |
|---|---|
| State Farm | $1,150 |
| Nationwide | $1,399 |
| Geico | $1,451 |
| Travelers | $1,545 |
| USAA | $1,624 |
| Progressive | $1,996 |
| Farmers | $2,050 |
| Allstate | $3,023 |
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 $1,252 annually.
| Company | Average annual rates |
|---|---|
| State Farm | $1,252 |
| Geico | $1,582 |
| Travelers | $1,629 |
| Nationwide | $1,759 |
| USAA | $2,101 |
| Progressive | $2,389 |
| Farmers | $2,460 |
| Allstate | $4,595 |
Cheapest auto insurance after a DUI: State Farm
Buying car insurance doesn't have to break the bank. State Farm offers the cheapest full coverage policy in Aurora for drivers with a DUI, with an average annual premium of $1,150.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average annual rates |
|---|---|
| State Farm | $1,150 |
| Travelers | $2,010 |
| Progressive | $2,170 |
| Geico | $2,176 |
| Farmers | $2,517 |
| Nationwide | $2,536 |
| USAA | $2,877 |
| Allstate | $4,215 |
Average car insurance cost in Aurora
The average car insurance rate in Aurora for full coverage is $1,476 per year or $123 a month. These rates are for coverage levels of 100/300/100. Whereas the average rate for state minimum coverage in Aurora is $482 per year.
You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,476 | $482 |
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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