For drivers in Arvada, one of the big criteria that are used to help calculate the amount you pay for auto insurance is where you call home in Arvada. Areas with more people or more claims tend to pay slightly more, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.
The table below shows the most costly cities in Colorado to purchase car insurance in. Arvada is listed at #13 with an annual cost of $1,256 for car insurance, which is about $105 monthly.
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Prices are comparative as specific Arvada garaging address can lower or raise premium rates significantly.
Now that we understand where Arvada ranks based on price, finding dependable, cheap insurance is challenging, and deciding which companies offer the cheapest car insurance rates in Arvada calls for a bit more work. Each insurer has a proprietary method to determine rates, so first let's look at the rankings for the car insurance companies with the overall cheapest rates in Colorado.
Keep in mind that Arvada car insurance rates are determined by lots of factors that control the price you have to pay for coverage. That is why Arvada drivers need to perform a complete rate comparison when trying to find the cheapest car insurance rates in Arvada. Car insurance prices are made up of many risk factors and change frequently, so the best company three years ago may now be costing you a lot of money.
Find Cheaper Car Insurance in Arvada
The Hartford quotes some of the cheapest car insurance rates in Arvada at around $834 per year. Grange, USAA, Nationwide, and GEICO would also be considered some of the more affordable Arvada, CO insurance companies.
As the rates illustrate above, if you currently buy coverage from USAA and switched to The Hartford, you might achieve yearly savings of in the vicinity of $195. Insureds with Nationwide might save as much as $309 a year, and GEICO insureds might see rate reductions of $318 a year.
If you want to find out if you're overpaying, click here or visit any of the low-priced companies below.
Bear in mind that those policy prices are averages across all ages of drivers and types of vehicles and and are not calculated with a specific vehicle garaging location in Arvada. So the car insurance company that fits you best may not even be in the top 21 companies shown above. That illustrates why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.
The vehicle to be insured is probably the largest consideration when comparing quotes for affordable insurance in Arvada. Vehicles with lots of horsepower, poor safety ratings, or a history of substantial liability claims will cost more to insure than safer, lower-performance models.
The information below ranks insurance costs for a selection of the most budget-friendly vehicles to insure in Colorado.
|Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 2WD||$1,194|
|Dodge Grand Caravan SE||$1,338|
|Toyota Tacoma 4WD||$1,346|
|Toyota RAV4 4WD||$1,410|
|Chevrolet Impala LT||$1,416|
|Ford Explorer Eddie Bauer AWD||$1,437|
|Ford F-150 Lariat Super Cab 2WD||$1,445|
|Toyota Corolla XLE||$1,484|
|Dodge Ram Quad Cab TRX4 Off Road 2WD||$1,538|
|Honda Accord LX-S 2-Dr Coupe||$1,585|
|Ford Edge SEL 2WD||$1,588|
|Ford Escape Limited 4WD||$1,590|
|Toyota Camry Hybrid||$1,613|
|Chevrolet Silverado LTZ Extended Cab 2WD||$1,618|
|GMC Sierra 3500HD SLT Crew Cab 2WD||$1,637|
|Nissan Altima 3.5 SR 2-Dr Coupe||$1,685|
|Ford Focus S 4-Dr Sedan||$1,697|
|Chevrolet Silverado 2500HD LT Extended Cab Diesel 2WD||$1,712|
|Volkswagen Jetta 2.0T Station Wagon||$1,717|
|Honda Odyssey Touring||$1,732|
|Ford Fusion SE 4-Dr Sedan||$1,742|
|Chevrolet Equinox LS AWD||$1,732|
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Rate quotes do not factor in the specific area where the vehicle is garaged which can revise price quotes significantly.
Looking at the numbers, models like the Honda CR-V, Dodge Grand Caravan, Toyota Tacoma, Toyota RAV4, and Chevrolet Impala will be some of the most budget-friendly vehicles to insure for drivers in Arvada.
Liability only or full coverage
Saving money on insurance is probably important to most vehicle owners, and an effective way to pay lower rates for insurance in Arvada is to not buy full coverage. The diagram below illustrates the comparison of car insurance rates with full coverage and liability only. The rate quotes are based on no violations or claims, $1,000 deductibles, single status, and no discounts are taken into consideration.
If averaged out across all ages, comprehensive and collision coverage on your policy costs $1,967 per year over and above liability coverage. That raises the question if you should buy full coverage. There is no set rule to delete full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
Ideas for buying more affordable auto insurance in Arvada
The list below shows some of the better penny-pinching ideas that can help Arvada drivers quote cheaper coverage.
- Violations and traffic tickets increase rates
- Remain accident-free and save
- Clean up your credit rating
- Claim-free drivers earn discounts
- Increase your deductibles
- Home or renters coverage can save on auto insurance
- Compare rate quotes frequently
The last suggestion is incredibly critical, as we noted in this article. Insurance prices adjust frequently, so you should be ready to change insurance companies if a lower-cost policy is available. Having a favorite company is fine, but it's not a good idea if that faithfulness ends up costing you a lot of money every month. Take a few minutes and shop around and find cheaper auto insurance in Arvada.