Cheapest Car Insurance In Arvada, CO 2025
State Farm offers the most affordable minimum coverage car insurance in Arvada, with an average monthly cost of $42.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable car insurance in Arvada, CO, can be challenging, as rates vary widely.
For liability-only coverage, State Farm stands out as the most budget-friendly choice. Those seeking full coverage at the best price will also find State Farm to be the top option. However, young drivers can get the lowest rates through USAA.
Cheapest Car Insurance In Arvada, CO
Cheapest Liability-only Car Insurance In Arvada: State Farm
State Farm offers the most affordable minimum coverage car insurance in Arvada, with an average monthly rate of $42.
Refer to the table below to compare rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $60 | $720 |
| Nationwide | $71 | $852 |
| State Farm | $42 | $504 |
| USAA | $55 | $660 |
| GEICO | $67 | $804 |
Cheapest Full Coverage Insurance Rates In Arvada: State Farm
State Farm offers the lowest full coverage car insurance rates in Arvada, with an average monthly premium of $92.
Check the table below for a comparison of average quotes from budget-friendly insurers in Arvada.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $136 | $1,632 |
| USAA | $125 | $1,500 |
| Root | $140 | $1,680 |
| State Farm | $92 | $1,104 |
| GEICO | $145 | $1,740 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm offers the most affordable car insurance for seniors in Arvada, with an average monthly rate of $70.
The table below highlights average quotes from the cheapest insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $80 | $960 |
| American Family | $93 | $1,116 |
| State Farm | $70 | $840 |
| Metropolitan | $109 | $1,308 |
| Colorado Farm Bureau Mutual | $92 | $1,104 |
Cheapest Rates In Arvada For Teenagers: Colorado Farm Bureau Mutual
Teenage drivers in Arvada can get the lowest rates from Colorado Farm Bureau Mutual, with an average monthly premium of $215.
The table below lists the insurers offering the most affordable insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $234 | $2,808 |
| GEICO | $250 | $3,000 |
| USAA | $228 | $2,736 |
| Auto-Owners | $321 | $3,852 |
| Colorado Farm Bureau Mutual | $215 | $2,580 |
Cheapest Auto Insurance For Young Adults in Arvada: USAA
USAA provides the most affordable car insurance for young adults in Arvada, with an average monthly rate of $159.
Check the table below to compare the lowest auto insurance rates for young adults in Arvada.
| Provider | Average Monthly Cost | Average Annual Cost |
| Colorado Farm Bureau Mutual | $190 | $2,280 |
| State Farm | $165 | $1,980 |
| Allstate | $227 | $2,568 |
| NatGen Value | $214 | $2,724 |
| USAA | $159 | $1,908 |
Cheapest Car Insurance In Arvada For Good Drivers: State Farm
Good drivers in Arvada can get the most affordable car insurance from State Farm, with average rates of around $45 per month.
If you’re a good driver, refer to the table below to compare average quotes from the most budget-friendly insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $60 | $720 |
| GEICO | $67 | $804 |
| State Farm | $45 | $540 |
| Allstate | $71 | $852 |
| American Family | $65 | $780 |
Find Affordable Arvada Rates
Cheapest Car Insurance In Arvada After A Speeding Ticket: State Farm
State Farm offers some of the lowest rates in Arvada. On average, drivers with a speeding ticket pay around $62 per month.
Check the table below to see the average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $79 | $948 |
| Nationwide | $101 | $1,212 |
| GEICO | $95 | $1,140 |
| State Farm | $62 | $744 |
| Allstate | $90 | $1,080 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the lowest car insurance rates for drivers with an at-fault accident, averaging $65 per month.
Below are the car insurance companies that offer the most affordable rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $80 | $960 |
| Progressive | $103 | $1,236 |
| American Family | $88 | $1,056 |
| Allstate | $95 | $1,140 |
| State Farm | $65 | $780 |
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Cheapest Rates In Arvada For Drivers After A DUI: USAA
USAA offers the most affordable rates for drivers with a DUI, with average monthly premiums of $72 for Arvada residents.
You can find the lowest rates for drivers with a DUI in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $114 | $1,368 |
| State Farm | $76 | $912 |
| Nationwide | $122 | $1,464 |
| USAA | $72 | $864 |
| American Family | $105 | $1,260 |
Best Car Insurance Companies In Arvada
State Farm offers the most affordable car insurance in Arvada, with average premiums of $99 per month. Other options to consider include GEICO at $107 per month and USAA at $120 per month.
The table below lists the top 10 car insurance companies in Arvada, CO, based on their average monthly rates.
| Company | Monthly Premium |
| State Farm | $99 |
| GEICO | $107 |
| USAA | $120 |
| Colorado Farm Bureau Mutual | $142 |
| Safeco | $158 |
| Allstate | $165 |
| NatGen Value | $171 |
| Root | $173 |
| Grange | $177 |
| Auto-Owners | $182 |
Average Auto Insurance Rates In Arvada- By Age
Age plays a significant role in determining car insurance rates. Younger drivers, especially teenagers, tend to face higher premiums due to their inexperience and a higher risk of accidents and traffic violations. Teen drivers typically pay around $3,840 annually for car insurance.
As drivers approach 25, their rates generally start to drop, provided they have a clean driving record.
The best rates are often offered to drivers in their 50s and early 60s. Insurance companies use age as a way to gauge driving experience and risk, which affects the cost of premiums.
| Age | Average Yearly Rate |
| Teenagers | $3,840 |
| 20s | $2,460 |
| 30s | $1,716 |
| 40s | $1,824 |
| 50s | $1,392 |
| 60s | $1,224 |
| 70s | $1,656 |
Average Rates In Arvada- By Vehicle
The type of vehicle you drive greatly impacts your car insurance rates. Insurance providers consider factors like the make, model, year, and body style of your car. Generally, newer cars, especially luxury models with advanced features and higher replacement costs, have higher insurance premiums.
The table below shows the average rates for various vehicles in Arvada.
| Vehicle | Average Monthly Rate |
| GMC Terrain | $189 |
| Chevrolet Malibu | $115 |
| Chevrolet Uplander | $90 |
| KIA Forte | $458 |
| Subaru Outback | $240 |
How Much Is Car Insurance In Other Cities in Colorado?
Where you live has a significant impact on your car insurance rates. Insurance companies consider factors such as accident frequency, theft, and vandalism risks, which are usually higher in urban areas. This increased risk often leads to higher premiums.
For instance, drivers in Englewood typically pay around $142 per month for car insurance, while those in Fort Collins have an average monthly rate of $115.
| City | Average Monthly Rate |
| Englewood | $142 |
| Fort Collins | $115 |
| Golden | $150 |
| Grand Junction | $112 |
| Pueblo | $146 |
| Aurora | $180 |
| Boulder | $132 |
| Broomfield | $139 |
| Colorado Springs | $171 |
| Denver | $164 |
Average Cost Of Auto Insurance In Arvada- By Zip Code
Zip codes play a role in helping insurers assess crime rates in your area, which affects car insurance premiums. As a result, rates vary by zip code.
The table below shows the average insurance rates for different zip codes in Arvada.
| Zip Code | Average Monthly Rate |
| 80002 | $167 |
| 80003 | $119 |
| 80004 | $122 |
| 80005 | $159 |
| 80007 | $160 |
Find Affordable Arvada Rates
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Arvada, CO.
Quotes Analyzed
Years Of Industrial Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Arvada?
State Farm offers the lowest car insurance rates in Arvada, both for the minimum coverage required by the State of Colorado and for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Arvada?
The average car insurance cost in Arvada is around $145 per month. However, rates can differ depending on factors such as your zip code, car year and model, driving history, and more.
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