Cheap Auto Insurance Quotes in Arvada, CO (2023)

Car Insurance in Arvada, CO

In 1850, Arvada was the first place settlers struck gold in Colorado, and people have been striking gold in this suburban corner of the Mile High City ever since. Maybe it’s the breathtaking parks, family-friendly amenities, or outstanding quality of life that’s attracted over 124,000 people to the city. And, with all those people on the road, you’re going to need car insurance.

See More:

• Cheap Car Insurance Colorado

• Compare Car Insurance

Cheapest Car Insurance in Arvada, CO

Arvada has a plethora of insurance providers you can pick from. When reviewing your insurance needs, you may notice more than a handful within range of your budget; the table below shows some of the cheapest providers we found. The easiest method to lock in the right insurance service is to get multiple quotes and choose the best combination of price and coverage .

Best Car Insurance in Arvada, CO

While finding a cheap insurance policy is great, finding a quality insurer that can reliably pay claims is important as well. We review insurance providers like Allstate and State Farm, as well as smaller, regional insurers so that you can be assured of their quality. The following companies provide insurance products in Arvada and have been ranked by Insurify.

See More: Best Car Insurance Companies

Average Car Insurance Cost

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Colorado

All motor vehicles operated or parked on Colorado roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

• Requested by law enforcement

• Renewing vehicle registration

• The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Colorado^[1] are:

• $25,000 per person for bodily injury

• $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Colorado is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

• $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Arvada Car Insurance Rates by Driver Age

Your age has a significant impact on your auto insurance policy price. Statistically, younger drivers cause more accidents than more experienced motorists. That’s why it’s common for drivers under 25 to pay more for state minimum coverage (which is bodily injury liability and property damage liability only) than older drivers do.

Arvada Car Insurance Rates by Driving and Accident History

Maintaining a clean driving record is the simplest way to get a good deal because tickets, claims, and accidents can raise your insurance premiums for up to five years. Insurers feel that the past is the most significant predictor of future behavior. Therefore, they raise premiums for people who have mishaps in their driving history to account for the increased risk.

That said, even if you have a less-than-perfect driving record, it’s possible to secure coverage. While looking at these numbers, the DUI prices might pop out at you, but remember these are just averages, and your bottom line may vary.

See More:

• High-risk Car Insurance Colorado

• DUI Car Insurance Colorado

Arvada Car Insurance Rates by Credit Tier

Historically, drivers with better credit scores submit fewer claims. So raising your credit score is one solid strategy to reduce your insurance costs. Those with excellent credit and good credit get the best rates, as shown in the table below. Moving from poor to excellent credit could mean saving $300 per year. Here are the insurance premiums at various credit levels.

See More: Bad Credit Car Insurance Colorado

Find local Arvada agents

Arvada DMV Information

The Arvada DMV office is located at 6510 Wadsworth Blvd Ste #320, Arvada, CO. You can take care of renewals, plate registration, change of address, title services, or even handicap placards in person or online. In-person services require an appointment, and the office hours are Monday through Thursday from 7:30 a.m. to 5:00 p.m. Call (303) 271-8100 to make an appointment.

Public Transportation in Arvada

Arvada provides its residents with several public transit options that link to other cities. The Regional Transportation District (RTD) manages Arvada’s public transportation system. The G Line offers commuter trains to Denver, and there are also bus routes available. Amtrak trains and Greyhound buses accommodate long-distance traveling from one destination to the next.

Yet people may find it difficult to depend on public transportation during severe weather months. Despite these amenities, most Arvada inhabitants drive in and around the city; over 96 percent of households own a vehicle, resulting in significant traffic bottlenecks. Ridesharing services such as Uber and Lyft, as well as regular taxis, are available in Arvada.

How to Get the Cheapest Car Insurance in Arvada

It only seems like there’s another Gold Rush as people flood into Arvada. Everyone wants to enjoy the excellent schools, quiet neighborhoods, and old yet new town vibes. It also helps that Denver, Boulder, and views of the Rockies aren’t  too far away. With so many people moving to the city and some with no clue how to drive in the cold, car insurance is a necessity.

Back in the day, you had to spend hours calling insurance agents, but luckily, there are now easier ways to get a quote. Simply head over to Insurify , enter some quick info, and you’ll get 10+ free quotes all tailored to your unique driving profile. You can even bundle in homeowners insurance, renters insurance, or life insurance on Insurify , in a matter of minutes.

For more detailed Colorado city level guides, check out these below.

• Average Cost of Car Insurance Rates in Colorado

• DUI Car Insurance Rates in Colorado

• High-Risk Driver Car Insurance Rates in Colorado

• Colorado Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Colorado

• SR-22 Insurance in Colorado

FAQs - Arvada, CO Car Insurance