Arvada, CO Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Arvada, CO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

Average Rate of Car Insurance in Arvada, CO, is $1,833

The average cost of auto insurance in Arvada, CO, is $1,833. Car owners here can improve save more by comparing multiple auto insurance quotes from different auto insurers. The cost of auto insurance depends on numerous factors ranging from the make and model of the vehicle to the driver’s age.

Credit Score:

A healthy credit score will also determine the cost of one’s auto insurance. Possessing an “exceptional” or “good” credit score will reduce the cost of auto insurance for car owners, while a “poor” credit score can lead to a substantial increase of up to $2,990 in Arvada. 

Neighborhood:

The neighborhood one lives in Arvada can also have an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors like the make and model of the vehicle and the rate of auto thefts in the neighborhood, the price can vary. 

Deductible:

Deductibles are among the most common factors affecting the rate of auto insurance in the country, and Arvada is no different. A high deductible leads to a decrease in the cost of auto insurance, while a low deductible can lead to an increase. The average cost of auto insurance on a low deductible ($500) is $1,230. This goes down to $1,039 when the deductible is higher ($1,000).

Driving Record:

The driving record of car owners also has a direct impact on the cost of auto insurance. Getting charged for offenses such as DUI and driving without a proper license can have a long-term impact on Arvada’s auto insurance cost. Post-DUI, the average cost of auto insurance increases to $2,771, from $1,833. 

Demographics:

The cost of auto insurance depends on the driver’s age and gender. Women are generally considered to be safe drivers, making auto insurance cheaper for them. Auto insurance is the most affordable for drivers who are in their fifties and sixties at $1,616 and $1,639. Auto insurance is expensive for teenagers since they lack driving experience. The average cost of auto insurance for teenagers in Arvada is $5,948.

Factors that can influence the cost of car insurance in Arvada, CO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

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Arvada, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Arvada, CO with that of other cities in and around Arvada.

	Arvada	Applewood	Wheat Ridge	Shaw Heights	Westminster	Lakeside
Average Insurance Rates	$1,833	$1,908	$1,182	$1,775	$1,139	$1,859

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Arvada, CO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Arvada, CO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location	Low Deductible ($500)	High Deductible ($1000)
Arvada	$1,230	$1,039
Fairmount	$1,711	$1,445
Wheat Ridge	$2,208	$1,865
Northeast Jefferson	$1,002	$847
Westminster	$1,881	$1,589
Applewood	$1,859	$1,570
Shaw Heights	$1,132	$956
Lakeside	$1,915	$1,617

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Arvada, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Arvada, CO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver	Insurance Cost
Teens	$5,948
20 Years	$2,355
30 Years	$1,814
40 Years	$1,745
50 Years	$1,616
60 Years	$1,639
70 Years	$1,908

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Arvada, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Arvada, CO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars	Auto Insurance Cost	Total Savings
2 Vehicles	$3,226	$440
3 Vehicles	$4,839	$660
4 Vehicles	$6,452	$880

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Arvada, CO Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Arvada, CO.

Location	Average Insurance Cost	Post DUI Insurance Rate
Arvada	$1,833	$2,771
Fairmount	$1,909	$2,885
Wheat Ridge	$1,182	$1,787
Northeast Jefferson	$1,833	$2,771
Westminster	$1,139	$1,722
Applewood	$1,908	$2,884
Shaw Heights	$1,775	$2,683
Lakeside	$1,859	$2,810

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Arvada, CO Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score	Insurance Cost
Exceptional (800-850)	$1,573
Excellent (740-799)	$1,795
Good (670-739)	$1,910
Average (580-669)	$2,492
Poor (300-579)	$2,990

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Arvada, CO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation	Cost Increase	Total Insurance Cost
Driving Without Headlights	+$81	$1,914
Driver's Failure In Showing Documents	+$178	$2,011
Driving With An Expired Registration	+$189	$2,022
Driving At A Considerably Slow Pace	+$398	$2,231
Using A Cellphone While Driving	+$420	$2,253
Running A Red Light	+$427	$2,260
Speeding	+$449	$2,282
Driving A Vehicle Without The Required Permission	+$570	$2,403
Driving With An Expired/Suspended License	+$1,235	$3,068

Arvada, CO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature	Insurance Cost
Audible Alarm	$1,760
Active Disabling Device	$1,760
Tracking Device	$1,723
Passive Disabling Device	$1,705

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Latest Auto Insurance Reviews in Arvada, CO | Back to Top