Cheapest Car Insurance Quotes in Aurora

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Aurora Car Insurance

^$ 44

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Aurora

The car insurance rate in Aurora is $955 for a six-month policy, which is $95 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $428, making it a popular choice for budget-conscious drivers. Rates in Aurora can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Aurora

$955

Avg. Car Insurance in Oregon

$860

National Average

$1140

Cheapest Car Insurance Companies in Aurora

1st place: Kemper

At $428 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: Capital Insurance Group

Capital Insurance Group offers auto insurance rates at $679 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $798 for six months, making it the third cheapest auto insurance company in Aurora.

Aurora Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Aurora, OR is Kemper, offering policies at just $428 for a six-month term. This is followed by Capital Insurance Group, which has an average six-month premium of $679.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1754 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Aurora drivers find the best deals.

Cheap Car Insurance Companies in Aurora, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$428	$73
Capital Insurance Group	$679	$113
American Family	$798	$134
Country Financial	$818	$138
Travelers	$850	$143
Progressive	$877	$148
Encompass	$897	$152
State Farm	$917	$154
Nationwide	$930	$157
USAA	$930	$157
Mutual of Enumclaw	$1233	$210
Farmers	$1305	$220
Allstate	$1754	$295

Key Takeaways

Way's key takeaways about car insurance in Aurora

The auto insurance costs in Aurora fall around $428 for six months.
The cheapest auto insurance company in Aurora is Kemper.
Teen drivers pay the highest rate in Aurora at $1039 per month.

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Cheapest Minimum Liability Car Insurance in Aurora

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Aurora are given below.

Kemper provides the cheapest minimum car insurance coverage in Aurora. Their Average 6 Month Premium is $264. Allstate is the most expensive at $956 for the same period.

Cheapest Liability Coverage in Aurora, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$264	$44
Capital Insurance Group	$350	$60
State Farm	$376	$63
USAA	$389	$65
Progressive	$408	$69
Travelers	$408	$69
Country Financial	$415	$70
American Family	$455	$77
California Casualty	$501	$83
Nationwide	$527	$89
Farmers	$706	$119
Allstate	$956	$161

Cheapest Full Coverage Car Insurance in Aurora

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Aurora is Kemper at $73 per month and $428 for six months.

Cheapest Full Coverage Car Insurance Quotes in Aurora, OR

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$428	$73
Capital Insurance Group	$679	$113
American Family	$798	$134
Country Financial	$818	$138
Travelers	$850	$143
Progressive	$877	$148
Encompass	$897	$152
State Farm	$917	$154
Nationwide	$930	$157
USAA	$930	$157
Mutual of Enumclaw	$1233	$210
Farmers	$1305	$220
Allstate	$1754	$295

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Average Car Insurance in Aurora by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Aurora, OR increasing?

Despite maintaining a clean driving record, your car insurance rates in Aurora, Oregon, may be increasing due to several external factors. Oregon has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Aurora's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Aurora

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$708
30s	USAA	$577
40s	USAA	$535
50s	USAA	$514
60s	USAA	$535
70s	USAA	$650

Cheapest Car Insurance Rates for Teen Drivers in Aurora,OR

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Aurora at $41 per month. At $6172 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$244	$41
Capital Insurance Group	$415	$69
Country Financial	$1101	$185
Travelers	$1457	$245
USAA	$1543	$260
State Farm	$1642	$276
American Family	$2249	$379
Progressive	$2545	$428
Nationwide	$4306	$733
Farmers	$6125	$1031
Allstate	$6172	$1039

Teen Car Insurance Rates in OR by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Aurora.

As young drivers face the highest rates in Aurora, USAA offers the cheapest auto insurance rates at $708 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Aurora, Kemper is the cheapest car insurance provider. At $442 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Aurora is State Farm, offering rates of around $3369 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$442	$73
Capital Insurance Group	$514	$88
Nationwide	$639	$107
Country Financial	$1029	$173
Progressive	$1061	$179
American Family	$1260	$212
Travelers	$1372	$231
USAA	$1747	$297
Allstate	$3007	$501
Farmers	$3059	$521
State Farm	$3369	$562

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Car Insurance Rates with An Accident in Aurora

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Aurora, OR, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Aurora

The cheapest car insurance companies after an at-fault accident in Aurora include Kemper and Capital Insurance Group, offering $350 and $415, respectively. Allstate is an expensive provider with an average six-month premium of $2749.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$350	$58
Capital Insurance Group	$415	$71
Capital	$468	$78
Encompass	$521	$89
State Farm	$693	$117
Travelers	$805	$135
USAA	$825	$139
Country Financial	$904	$152
Progressive	$956	$161
Nationwide	$1055	$178
American Family	$1121	$189
Farmers	$2182	$367
Allstate	$2749	$463

Aurora Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Aurora OR. For example, the car insurance in Aurora after a DUI increases to $692 for a six month policy. While the rate increases by $250 for a six-month policy in the case of a speeding ticket.

Aurora auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$930	$155
One Med/PIP claim	$930	$158
Not-at-fault accident	$962	$161
One comp claim	$982	$167
Two Med/PIP claims	$996	$165
Failure to wear a seat belt	$1061	$181
Two comp claims	$1088	$181
Child safety restraint	$1101	$188
Failure to show documents	$1101	$183
Driving without lights	$1108	$189
Driving with expired registration	$1134	$189
Speeding 11 - 15 MPH over limit	$1180	$201
Speeding 16 - 20 MPH over limit	$1180	$196
Speeding 6 - 10 MPH over limit	$1180	$201
Cell phone violation	$1187	$198
Driving too slowly	$1187	$202
Failure to yield	$1187	$198
Following too closely	$1187	$202
Illegal turn	$1187	$198
Texting while driving	$1187	$202
Wrong way/wrong lane	$1187	$198
Failure to stop at a red light	$1193	$203
Improper passing	$1193	$199
Passing school bus	$1240	$211
Speeding in school zone	$1240	$206
In 65 MPH zone	$1260	$214
Speeding 21 - 25 MPH over limit	$1265	$211
Open container	$1305	$222
At-fault accident - less than $1000	$1339	$223
Operating a vehicle without permission	$1345	$229
At-fault accident - $1000-$2000	$1424	$238
At-fault accident - greater than $2000	$1424	$242
Refusal to submit to a chemical test	$1595	$266
Racing	$1602	$272
DUI	$1622	$271
Reckless driving	$1628	$276
Driving with a suspended license	$1642	$274
Leaving scene of an accident/hit and run	$1695	$289

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Aurora after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Aurora.

The cheapest car insurance premiums in Aurora are offered by Capital Insurance Group at $482 for a six-month policy. However, it can be as expensive as $2591 with companies like Nationwide.

Aurora car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Capital Insurance Group	$482	$82
Kemper	$594	$99
Progressive	$751	$127
State Farm	$956	$161
Travelers	$962	$162
American Family	$1200	$202
USAA	$1305	$220
Country Financial	$1510	$254
Farmers	$2103	$354
Allstate	$2236	$376
Nationwide	$2591	$441

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Aurora are offered by Kemper at $323. However, it can be as expensive as $2565 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Aurora after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$323	$54
Capital Insurance Group	$389	$67
Nationwide	$527	$88
State Farm	$567	$95
Country Financial	$830	$140
Progressive	$830	$140
American Family	$850	$143
Travelers	$982	$165
USAA	$982	$164
Allstate	$2149	$365
Farmers	$2565	$427

Car Insurance Price Trends in Aurora, Oregon

Car insurance rates in Aurora have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Aurora rose by $213 in December compared to $210 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Aurora rose to $79 in December, compared to $77 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Aurora?

The car insurance in Aurora is $44 per month, which is lower than the national average.

What is the cheapest car insurance in Aurora?

The cheapest car insurance in Aurora is $73 per month for full coverage.

How much is car insurance in Aurora for teenagers?

Car insurance for teenagers costs $244 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Aurora?

The average cost of car insurance is $860 for a six-month policy. It will cost around $161 per month to insure your car in Aurora.

Is car insurance expensive in Aurora?

Car insurance can be expensive in Aurora if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Aurora can be affordable.

What is the best car insurance in Aurora, OR?

The best car insurance company in Aurora OR is Kemper, offering $428 for a six-month policy.