Greatest low cost car insurance in Arvada for 2021 – Bankrate.com

The average cost of auto insurance in Arvada, Colorado is at least $ 582 per year and $ 1,968 for full insurance. With nearly 4 million licensed drivers in the state and a death rate of 10 drivers per 100,000 Arvada drivers, you need all of the financial protection that comes with auto insurance.

To determine the best auto insurance with Arvada, we looked at discounts, coverage options, financial strength, online tools, and third-party customer satisfaction scores.

The best car insurance in Arvada

Based on average premium cost, third party reviews from companies like JD Power (customer satisfaction) and AM Best (financial strength), insurance options and discounts, we concluded that American Family, Geico, State Farm are the best companies in Arvada, USAA and Farmers.

insurance company J.D. Power customer satisfaction score
(Southwest region)
Average annual premium for minimum coverage Average annual premium for fully comprehensive insurance
American family 850 / 1,000 $ 789 $ 2,044
Geico 829 / 1,000 $ 327 $ 1,055
District farm 847 / 1,000 $ 513 $ 1,681
USAA 863/1000 $ 335 $ 1,237
Farmers 802 / 1,000 $ 573 $ 1,938

American family

J.D. Power considers American Family to be the best auto insurance company in the Southwest based on customer satisfaction ratings last year. American Family Insurance received a score of 850 for 2021, which shows that customers generally feel in good hands with this provider. This is exactly what you want when looking for insurance. It's not the cheapest on our list, but it has several discounts to help you save.

Geico

According to our research, Geico has, on average, the cheapest premiums in Arvada. It doesn't matter which state you are in, because Geico is one of the cheapest insurance providers on the market. Not only is it cheap, but it also comes with lots of discounts that can help you save even more. Geico also offers supplementary insurance that allows you to tailor your policy to your needs.

District farm

State Farm is one of the few companies that offers a telematics discount. This program, called Drive Safe and Safe, helps users save money on their monthly premium by allowing State Farm to analyze their driving habits. State Farm claims you can save up to 30% on your premium. Other discounts, coverage options, and its many personal agents make State Farm an accessible choice.

USAA

If it weren't for the military population requirements to obtain coverage, the USAA would be number one on J.D. Power. There are many reasons to like USAA – the most important one is that drivers switching to USAA save an average of $ 725 per year on their auto insurance bill. USAA also offers services specifically tailored to service members, including insurance and other financial services.

Farmers

Farmers offers its customers 22 ways to save on their auto insurance premium, which is a lot compared to the competition. Farmers also has some of the most comprehensive insurance options in the industry. As of the last count, it offered 19 ways to protect your car, including such coverage options as new car replacement and downtime.

Cheapest car insurance in Arvada

When compared to the average cost of auto insurance in Colorado, Arvada is roughly the same. According to our research, it's only about $ 48 cheaper than the state ($ 2,016 versus $ 1,968). However, it is $ 294 more expensive when compared to the US average. If you're looking to save money, we recommend the companies listed below for the cheapest auto insurance in Colorado.

These premiums reflect 12 months of insurance.

insurance company Average annual premium for minimum coverage Average annual premium for fully comprehensive insurance
Geico $ 327 $ 1,055
USAA $ 335 $ 1,237
Car owner $ 477 $ 1,742
District farm $ 513 $ 1,681
Farmers $ 573 $ 1,938

The great thing about these cheap Arvada insurances is that they are all reputable. Every company has top marks from companies like J.D. Get Power and AM Best and offer a wide range of coverage options. If you're looking for a tech-savvy option, try State Farm or Geico. If you're looking for discounts, Farmers is a great choice, along with State Farm and Geico.

Requirements for the Arvada insurance

Colorado state law requires all drivers to have the minimum amounts of liability coverage:

  • $ 25,000 per person for assault
  • $ 50,000 per accident for personal injury
  • $ 15,000 per accident for property damage

While state law only mandates a 25/50/15 policy for Arvada residents, drivers in this area should urgently consider purchasing collision and full insurance coverage. Do you plan on leasing or financing and you may need to have them to complete the sale anyway.

Car insurance discounts in Arvada

  • Defensive driving course: Most insurance companies reward drivers with a permanent discount for taking a defensive driving course.
  • Good student: If you are yourself or have a student in your policy who is under 25 and has good grades, you can get a discount on many airlines.
  • Multiple guideline: If you buy more than one car insurance from your insurance company, you can end up getting a discount for “multiple contracts” or “bundling”.
  • Telematics: With the telematics discount, you install an app on your smartphone that analyzes your driving behavior. If you routinely follow all driving regulations, the app will recognize that you are a safe driver and will reward you with a discount.
  • Theft protection: Theft is a major cause of many allegations, and an anti-theft system defeats many thieves. If you have one, many companies give you a discount.

While there are many discounts that drivers can get at Arvada, most of the drivers save the most by bundling them. Not all of the savings may be specifically used for auto insurance, but your overall insurance savings will be quite large.

frequently asked Questions

What is the best car insurance?

The best car insurance depends on your needs. Narrow down your list of options and get quotes to determine which will work best for you.

How much does car insurance cost in Arvada?

The average cost of auto insurance in Arvada is $ 1,968 for full coverage. This is the national average of $ 2,016. Both are above the national average, which is currently $ 1,674.

methodology

Bankrate uses Quadrant Information Services to analyze 2021 rates for all postcodes and airlines in all 50 states and Washington, DC Coverage Limits:

  • $ 100,000 personal injury liability per person
  • $ 300,000 liability per accident
  • $ 50,000 property damage liability per accident
  • $ 100,000 personal injury from an uninsured motorist per person
  • $ 300,000 personal injury to an uninsured driver per accident
  • $ 500 deductible in case of collision
  • $ 500 deductible

To set the minimum coverage limits, Bankrate has used minimum coverage that meets the requirements of each state. Our example drivers own a 2019 Toyota Camry, commute five days a week, and drive 12,000 miles a year.

These are sample rates and should only be used for comparison purposes. Your quotes can be different.

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