20+ years in insurance and personal finance content creation
Contributor to top brands like USA Today
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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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 November 21, 2024
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Table of contents
Drivers in Arvada, Colorado, pay an average of $152 per month for car insurance. These drivers pay about the same as the state average of $158 per month and less than the national average of $154.
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.
State Farm, USAA, and American Family have the cheapest liability insurance in Arvada.
Drivers in Arvada pay $103 per month for liability coverage and $202 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 | $97 | $46 | Cheap rates |
USAA | 9.4 | $125 | $59 | Military members and veterans |
American Family | 9.1 | $134 | $63 | Coverage add-ons |
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
User Reviews | 4.2 |
---|---|
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. | $44/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 |
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
Charles
November 19, 2024
New Car Price
Ronald
November 19, 2024
State Farm Experience: 35 Years+
David
November 19, 2024
Too expensive
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.
Above-average ranking in J.D. Power’s 2023 U.S. Auto Insurance Study
AM Best financial strength rating of A++ (Superior)
Doesn’t offer gap insurance
Fewer discounts than some competitors
Best insurer for military members and veterans: USAA
User Reviews | 4.9 |
---|---|
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. | $123/mo |
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Gloria
November 15, 2024
Not Good for Claims
Martin
November 11, 2024
Price Shopping
Rena Sabine
November 8, 2024
Disappointing and inflexible service
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.
Relatively low number of consumer complaints
Highly rated mobile app
Coverage limited to active-duty and retired military members and their families
Some negative online customer reviews
Best insurer for coverage add-ons: American Family
User Reviews | 4.5 |
---|---|
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. | $61/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. | $132/mo |
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
Stephanie
November 5, 2024
It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
Devona
November 5, 2024
Line by Line to Save Money
Joseph
November 4, 2024
Looking for Better
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.
Nearly 20 available discounts
Many add-on coverages
Some reviews cite issues with the mobile app
No anti-theft discount
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]
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 $44 per month, State Farm offers the cheapest liability-only car insurance in Arvada.
Find the cheapest liability-only coverage options available in Arvada below.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $44 |
USAA | $57 |
American Family | $61 |
GEICO | $67 |
Allstate | $68 |
Nationwide | $73 |
Root | $73 |
Sun Coast | $73 |
Progressive | $78 |
Auto-Owners | $79 |
The General | $85 |
Bristol West | $90 |
Safeco | $105 |
Dairyland | $109 |
Foremost | $111 |
Travelers | $111 |
Farmers | $116 |
Direct Auto | $121 |
National General | $140 |
Liberty Mutual | $188 |
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.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
State Farm | $95 |
USAA | $123 |
Root | $131 |
American Family | $132 |
GEICO | $145 |
Allstate | $147 |
Nationwide | $158 |
Progressive | $167 |
Auto-Owners | $169 |
Sun Coast | $176 |
Safeco | $190 |
The General | $225 |
Bristol West | $228 |
Travelers | $240 |
Farmers | $250 |
Dairyland | $256 |
National General | $280 |
Direct Auto | $281 |
Liberty Mutual | $301 |
Foremost | $335 |
Cheapest recent rates near Arvada, Colorado
Recent Arvada, Colorado car insurance prices for Subaru, Mitsubishi, Dodge , and more.
*Quotes generated for Insurify users in and around Arvada, Colorado within the last 10 days. Last updated on November 21, 2024
*Quotes generated for Insurify users in and around Arvada, Colorado within the last 10 days. Last updated on November 21, 2024
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 $132 per month. Below, you can see average quotes for Arvada drivers with various driving incidents.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
State Farm | $44 | $57 | $58 | $71 |
USAA | $57 | $75 | $76 | $92 |
American Family | $61 | $81 | $81 | $99 |
GEICO | $67 | $88 | $89 | $109 |
Allstate | $68 | $90 | $91 | $110 |
Nationwide | $73 | $97 | $98 | $118 |
Root | $73 | $103 | $104 | $106 |
Sun Coast | $73 | $105 | $102 | $116 |
Progressive | $78 | $102 | $105 | $126 |
Auto-Owners | $79 | $105 | $106 | $128 |
The General | $85 | $114 | $115 | $138 |
Bristol West | $90 | $120 | $120 | $146 |
Safeco | $105 | $141 | $139 | $158 |
Dairyland | $109 | $144 | $144 | $177 |
Foremost | $111 | $157 | $158 | $180 |
Travelers | $111 | $148 | $149 | $180 |
Farmers | $116 | $152 | $154 | $188 |
Direct Auto | $121 | $160 | $165 | $196 |
National General | $140 | $186 | $186 | $227 |
Liberty Mutual | $188 | $267 | $267 | $305 |
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 |
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
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 $103 per month for liability insurance and $202 for full-coverage insurance, on average. The overall cost of car insurance in Arvada is $152 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 $44 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 $61 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?."
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.
Featured in