Cheapest Auto Insurance in Arvada, Colorado (2024)
State Farm offers the cheapest car insurance in Arvada, with minimum-coverage policies as low as $45 per month.
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Written byJohn Egan
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20+ years in insurance and personal finance content creation
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John specializes in insurance, personal finance, real estate, and health and wellness. In 2022, he authored a guide on content marketing for beginners.
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Edited byKatie Powers
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated October 30, 2024
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Table of contents
Drivers in Arvada, Colorado, pay an average of $145 per month for car insurance. These drivers pay about the same as the state average of $159 per month and less than the national average of $158.
Though Arvada drivers benefit from relatively average rates, winter weather like blizzards and hailstorms increase the risk of car accidents and property damage and cause insurers to charge higher premiums.
Here’s what you need to know about comparing quotes and finding cheap car insurance in Arvada.
Quick Facts
State Farm, USAA, and American Family have the cheapest liability insurance in Arvada.
Drivers in Arvada pay $93 per month for liability coverage and $197 for full-coverage insurance.
Colorado auto insurers can consider credit-based insurance scores when determining premiums.[1]
3 of the cheapest car insurance companies in Arvada
State Farm, USAA, and American Family are three of the cheapest car insurance companies in Arvada. However, you shouldn’t just consider the price when shopping around for coverage. Other important factors to compare include coverage options, discounts, and customer satisfaction.
Start your search below to find the auto insurance company and car insurance policy that best fits your insurance needs. Average rates reflect statewide insurance costs.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $101 | $47 | Cheap rates |
| USAA | 9.4 | $130 | $61 | Military members and veterans |
| American Family | 9.1 | $139 | $65 | Coverage add-ons |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: State Farm
State FarmCompare personalized, real-time quotes
| User Reviews | 3.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $45/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $95/mo |
State Farm offers some of the cheapest car insurance rates in Arvada. Policyholders can also save more by qualifying for one or more of the available discounts, including savings for driving safely, earning good grades, and bundling coverage.
State Farm also sells other insurance products, including homeowners, renters, business, and life insurance.
Pros
Above-average ranking in J.D. Power’s 2023 U.S. Auto Insurance Study
AM Best financial strength rating of A++ (Superior)
Cons
Doesn’t offer gap insurance
Fewer discounts than some competitors
Read more driver reviews of State Farm
Jannie - October 29, 2024
Verified
Good
The insurance is higher than other companies' policies.
Marsha - October 29, 2024
Verified
Friendly agents!
Check out their prices!
Linda - October 29, 2024
Verified
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
I also have my homeowners insurance with them. I had a fire in my hot water heater and a year later, someone stayed in my house while I was gone for 2 months. I came home to a floating kitchen floor. After these incidents, StateFarm cancelled my policy.
…
Best insurer for military members and veterans: USAA
USAACompare personalized, real-time quotes
| User Reviews | 3.6 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $57/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $122/mo |
USAA caters coverage to active-duty and retired military members and their families. This coverage may appeal to military members and nearly 7,300 veterans living in Arvada. USAA has military-specific savings opportunities, including on-base, vehicle storage, and legacy coverage discounts.
Pros
Relatively low number of consumer complaints
Highly rated mobile app
Cons
Coverage limited to active-duty and retired military members and their families
Some negative online customer reviews
Read more driver reviews of USAA
Kent - October 29, 2024
Verified
Excellent
The insurance is a bit high.
Dorothy - October 29, 2024
Verified
Significant Increase in Policy Payment
Be cautious not to have an accident, as my policy payment increased by $300 a month.
Martin - October 29, 2024
Verified
My Opinion
They have always been there when I've needed them. They're not the cheapest, but I've never been denied a claim.
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Best insurer for coverage add-ons: American Family
American FamilyCompare personalized, real-time quotes
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1/10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $62/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $131/mo |
Aside from offering some of the lowest car insurance rates in Arvada, American Family stands out thanks to the various add-ons it sells. These extra coverage options include gap coverage and accidental death and dismemberment coverage. The company also has a number of discounts customers can benefit from.
Pros
Nearly 20 available discounts
Many add-on coverages
Cons
Some reviews cite issues with the mobile app
No anti-theft discount
Read more driver reviews of American Family
Thad - October 29, 2024
Verified
Great
They will work with you to help you get the best coverage for your dollar.
William - October 28, 2024
Verified
Price
The rates increase with every renewal period.
Karla - October 23, 2024
Verified
Experience
They were good, but my insurance kept increasing. It just became too expensive.
…
How to get the cheapest car insurance in Arvada
Though you can’t change how insurance companies determine insurance premiums, you can take steps to save money. Here are some tips for getting the cheapest car insurance in Arvada:
Shop around. It’s a good idea to compare car insurance quotes from at least three different companies each year before renewing your insurance policy.
Search for discounts. Make sure you take advantage of all the discounts you qualify for. Common discounts that can save you a considerable amount of money include savings for safe driving, good grades, and more.
Raise your deductible. Bumping up your deductible for comprehensive and collision coverage will reduce your monthly insurance premiums. Only increase your deductible if you can afford the out-of-pocket costs in the event of an accident.
Bundle your coverage. Buying auto and home insurance from the same company can decrease your overall insurance premium.[2]
Find Cheap Car Insurance in Arvada, Colorado
Liability quotes start at $45 per month
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Cheapest liability-only car insurance in Arvada: State Farm
Liability-only car insurance covers bodily injury and property damage that you cause to other people in an auto accident. Liability-only insurance doesn’t cover your medical expenses or vehicle repair costs. Colorado law requires drivers to carry a minimum amount of bodily injury liability and property damage liability coverage.
At $45 per month, State Farm offers the cheapest liability-only car insurance in Arvada.
Find the cheapest liability-only coverage options available in Arvada below.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $45 |
| USAA | $57 |
| American Family | $62 |
| Sun Coast | $67 |
| GEICO | $69 |
| Allstate | $70 |
| Nationwide | $74 |
| Progressive | $78 |
| Auto-Owners | $80 |
| The General | $84 |
| Safeco | $88 |
| Root | $89 |
| Bristol West | $90 |
| Dairyland | $97 |
| Midvale Home & Auto | $98 |
| Foremost | $111 |
| Travelers | $112 |
| Direct Auto | $113 |
| Farmers | $118 |
| National General | $137 |
| Liberty Mutual | $143 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Arvada: State Farm
Generally, full-coverage car insurance includes liability, comprehensive, and collision insurance. Comprehensive insurance covers damage from theft, vandalism, fires, and severe weather. Collision coverage helps pay for damage to your car when you’ve had an accident with another vehicle or collided with an object.
If you took out a loan or lease for your car, the lender or leasing company will likely require you to purchase a full-coverage insurance policy. Even if you don’t need to purchase it, you should consider purchasing it for added vehicle protection.
Full-coverage quotes in Arvada start at $95 per month from State Farm. Here are some of the cheapest monthly quotes for full-coverage car insurance in Arvada.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $95 |
| USAA | $122 |
| American Family | $131 |
| GEICO | $146 |
| Allstate | $148 |
| Root | $156 |
| Nationwide | $158 |
| Sun Coast | $163 |
| Midvale Home & Auto | $167 |
| Progressive | $167 |
| Auto-Owners | $169 |
| Safeco | $169 |
| Bristol West | $227 |
| The General | $234 |
| Liberty Mutual | $239 |
| Travelers | $239 |
| Dairyland | $244 |
| Farmers | $250 |
| Direct Auto | $260 |
| National General | $266 |
| State Auto | $270 |
| Foremost | $318 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Arvada, Colorado
Drivers in and around Arvada, Colorado have found policies from GEICO, Bristol West, Sun Coast, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Arvada, Colorado within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Arvada, Colorado within the last 10 days. Last updated on October 30, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 30, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Colorado
Car owners in Colorado must carry a minimum amount of bodily injury liability and property damage liability insurance.[3] Colorado is an at-fault state, which means the driver that causes an accident must cover the other party’s resulting vehicle damage and injury.[4]
Here are the specific minimum requirements in Colorado:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $15,000 per accident |
Because liability insurance doesn’t cover your vehicle, you may want to purchase additional insurance for added protection. Consider the following optional coverages:
Comprehensive coverage
Comprehensive insurance protects a motorist against vehicle damage caused by non-collision incidents such as theft, vandalism, fire, or natural disasters.
Collision coverage
Collision insurance pays for damage to a vehicle caused by running into another vehicle or object.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage helps pay for an insured motorist’s bodily injury losses caused by a hit‑and‑run driver, a driver with no car insurance, or a driver of an underinsured vehicle.
Medical payments coverage
Regardless of fault, medical payments coverage helps pay for medical bills, including copayments or deductibles, for the insured driver and passengers.
Cheapest car insurance for drivers with an incident
The number of incidents on your driving record affects what you pay for car insurance. Incidents include at-fault accidents, speeding tickets, DUIs, and other moving violations. If you have one or more incidents in your driving history, you’ll likely pay more for car insurance.[5]
The average cost of liability car insurance for Arvada drivers with a past incident is $122 per month. Below, you can see average quotes for Arvada drivers with various driving incidents.
The below rates are estimated rates current as of: Sunday, September 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
|---|---|---|---|---|
| State Farm | $45 | $59 | $59 | $73 |
| USAA | $57 | $76 | $76 | $93 |
| American Family | $62 | $82 | $82 | $101 |
| Sun Coast | $67 | $99 | $94 | $107 |
| GEICO | $69 | $92 | $92 | $112 |
| Allstate | $70 | $93 | $93 | $114 |
| Nationwide | $74 | $99 | $99 | $120 |
| Progressive | $78 | $104 | $105 | $127 |
| Auto-Owners | $80 | $107 | $107 | $130 |
| The General | $84 | $113 | $114 | $137 |
| Safeco | $88 | $119 | $114 | $143 |
| Root | $89 | $126 | $126 | $145 |
| Bristol West | $90 | $120 | $119 | $146 |
| Dairyland | $97 | $130 | $128 | $158 |
| Foremost | $111 | $160 | $158 | $180 |
| Travelers | $112 | $150 | $150 | $182 |
| Direct Auto | $113 | $150 | $153 | $184 |
| Farmers | $118 | $156 | $156 | $192 |
| National General | $137 | $183 | $183 | $223 |
| Liberty Mutual | $143 | $206 | $204 | $232 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Average cost of car insurance by age
Your age will affect how much you pay for car insurance. Auto insurers charge higher rates for teen drivers than drivers in any other age category because inexperienced drivers tend to get into more accidents. Drivers between ages 30 and 70 benefit from decreasing rates. Once a senior driver enters their 70s, they may face higher rates due to aging-related risk factors.
The table below shows the average monthly quote for drivers in Arvada, from young drivers to drivers in their 70s.
Age ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Teens | $367 |
| 20s | $254 |
| 30s | $193 |
| 40s | $177 |
| 50s | $149 |
| 60s | $131 |
| 70s | $138 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop for Car Insurance in Arvada, CO
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Arvada car insurance quotes by credit tier
Colorado allows insurers to consider your credit-based insurance score as one factor in setting car insurance rates. Drivers with poor credit scores pay higher rates than people with excellent or good credit. Insurers view drivers with bad credit as more likely to file future claims.
The chart below shows the average cost of full-coverage insurance by credit tier in Arvada.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Arvada car insurance FAQs
Before you start shopping around for car insurance quotes, you should determine the right amount of coverage for your insurance needs. Learn more about finding cheap coverage below.
How much is car insurance in Arvada?
Arvada drivers pay $93 per month for liability insurance and $197 for full-coverage insurance, on average. The overall cost of car insurance in Arvada is $145 per month. Your car insurance premium will depend on your driving record, age, credit history, ZIP code, and more.
Which companies have the cheapest car insurance in Arvada?
The cost of liability insurance from State Farm is $45 per month, making it the cheapest car insurance company in Arvada. USAA and American Family also have cheap coverage in Arvada, with respective liability insurance rates of $57 and $62 per month.
The best way to find cheap rates is to compare quotes from multiple insurance companies.
What are the best car insurance companies in Arvada?
With an AM Best financial strength rating of A++ (Superior), an Insurify Quality (IQ) Score of 9.3 out of 5, and high customer satisfaction, State Farm is the best car insurance company in Arvada. The average cost of coverage from State Farm in Colorado is $67 per month for liability insurance and $276 for full-coverage insurance.
Other top insurers include USAA and American Family.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Colorado
Sources
- Rocky Mountain Insurance Information Association. "Colorado’s Insurance Scoring Law."
- Insurance Information Instititute. "Nine ways to lower your auto insurance costs."
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
- NOLO. "Colorado Car Accident Laws."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
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John Egan
John Egan is a freelance writer and content marketing strategist in Austin, Texas. His specialties include personal finance, real estate, and health and wellness. John’s work has been published by outlets such as CreditCard.com, Bankrate, Forbes Advisor, Experian, Capital One, The Balance and U.S. News & World Report. He is the author of The Stripped-Down Guide to Content Marketing.
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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