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

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.

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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.


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

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

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

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

Savings on 2 Vehicles bundle:$440

Savings on 3 Vehicles bundle:$660

Savings on 4 Vehicles bundle:$880


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

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

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

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

Safeco Insurance
I think they are about the same, but I save a lot of money by using Safeco. They have the same kind of coverage, but I feel I get it for a lot cheaper than others.
Safeco Insurance
I think they are about the same, but I save a lot of money by using Safeco. They have the same kind of coverage, but I feel I get it for a lot cheaper than others.
Usaa
We like that they are a veteran affiliated company that will support us when we call. We have never had any issue with there customer support or getting stuck in red tape.
Progressive
My premium is considerably acceptable given other quotes I had received. I was pleased with the premium in comparison to some others, including Geico, State Farm, etc.
State Farm
State Farm offers custom experiences with your insurance agent. They also have extremely easy ways to file claims, receive discounts, and to connect with your local offices. I get full coverage for $100 per month.
Usaa
The only thing I dislike about USAA is how expensive it is. I wish it were cheaper, because I hate having a high deductible in order to make the monthly payments affordable.
Safe Auto Insurance
I like that they are very helpful and reliable company to use. They answer fast and customer service reps are very knowledgeable.
Farm Bureau
They are have always treated me with respect and helped out when I had questions. They have found the best quotes for my needs and when I did need to make a claim, they answered all my questions and was quick on getting my car fixed
State Farm
I like the low premiums and bundling option. The rep is really polite every time I talk to her, however, I would appreciate a faster email response time.
American Family Insurance
Every Insurer provides the same coverage but I have found that American Family offers higher limits for less premium pricing.
Usaa
Good rates, good company, responsive customer support.Good overall coverage for what we need. Would be hard pressed to find a better quote elsewhere.