Cheapest Auto Insurance in Arvada, CO – 2024 Rankings

• For the cheapest car insurance in Arvada, small SUVs like the Buick Envision, Chevrolet Trailblazer, Kia Soul, and Nissan Kicks cost less to insure than most other vehicles.
• The average cost of car insurance in Arvada is 6.6% more than the national average rate of $1,883.

Which cars are cheapest to insure in Arvada?

When comparing vehicles from every automotive segment, the models with the best car insurance prices in Arvada tend to be crossovers and small SUVs like the Kia Soul, Chevrolet Trailblazer, and Buick Envision. Average auto insurance prices for cars and SUVs that rank in the top 10 cost $1,650 or less per year, or $138 per month, to get full coverage.

Some additional vehicles that are ranked high in our auto insurance cost comparison are the Nissan Murano, Honda CR-V, Ford Bronco Sport, and Volkswagen Taos.

The average insurance cost is a little higher for those models than the small SUVs at the top of the rankings, but they still have average rates of $1,728 or less per year ($144 per month).

The following table lists the 40 models with the cheapest car insurance in Arvada, ordered starting with the cheapest.

A few other popular vehicles that made the top 40 table above include the Toyota Highlander, Acura Integra, Kia Seltos, and Volkswagen Atlas. Average car insurance rates for those models fall between $1,728 and $1,838 per year in Arvada.

To see how cheap these rates are, some examples of insurance that is considerably higher include the Hyundai Sonata at an average of $2,042 per year, the Chevrolet Camaro which costs $2,616, and the Audi e-tron at $2,512.

For very high-priced insurance, vehicles like the Mercedes-Benz Maybach GLS 600, BMW M5, BMW 750i, and BMW M760i have average rates that cost double and even triple those of the cheapest cars.

How much does car insurance cost in Arvada?

In Arvada, the average cost to insure a vehicle is $2,012 per year, which is 6.6% more than the U.S. overall average rate of $1,883. Per month, Arvada drivers can expect to pay an average of $168 for a full coverage policy.

In the state of Colorado, the average car insurance cost is $2,034 per year, so the cost in Arvada averages $22 less per year.

When prices are compared to other locations in Colorado, the average cost to insure a vehicle in Arvada is around $258 per year less than in Lakewood, $158 per year less than in Colorado Springs, and $428 per year less than in Pueblo.

The next chart shows average auto insurance rates in Arvada, Colorado, for 2024 model year vehicles not only by driver age, but also by physical damage deductibles.

The average cost of car insurance per month in Arvada is $168, with prices ranging from $118 to $393 for the average costs shown in the previous chart.

Car insurance rates can have a very wide price range and depend on a lot of factors. The high chance of significant rate differences emphasizes the need for multiple auto insurance quotes when shopping for more affordable car insurance.

Driver age significantly impacts the price of auto insurance. The list below illustrates these differences by breaking out average car insurance rates for young, middle-age, and senior drivers.

Average cost of car insurance in Arvada for drivers age 16 to 60

• 16-year-old driver – $7,170 per year or $598 per month
• 17-year-old driver – $6,946 per year or $579 per month
• 18-year-old driver – $6,224 per year or $519 per month
• 19-year-old driver – $5,667 per year or $472 per month
• 20-year-old driver – $4,052 per year or $338 per month
• 30-year-old driver – $2,148 per year or $179 per month
• 40-year-old driver – $2,012 per year or $168 per month
• 50-year-old driver – $1,786 per year or $149 per month
• 60-year-old driver – $1,672 per year or $139 per month

The rates shown above for drivers age 16 to 19 were based on the rated driver being male. The chart below illustrates average car insurance rates for teenagers by gender. Teenage female drivers cost a lot to insure, but they are usually cheaper than male drivers of the same age.

Car insurance for a 16-year-old female in Arvada costs an average of $473 less per year than the cost for a male driver, while at age 19, it still costs $870 less per year for females than males.

The section below illustrates the cost of car insurance based on automotive segment. The average rates shown in the chart will provide a better idea of the types of vehicles that have the most affordable average auto insurance rates.

Best types of vehicles for the cheapest rates

If you’re looking around at new or used cars, it is useful to know which categories of vehicles have more affordable car insurance rates.

As an example, you may be wondering if compact SUVs have more affordable insurance than minivans or if sports cars have cheaper auto insurance than luxury cars.

The chart below displays average car insurance cost by vehicle segment in Arvada. From an overal segment perspective, compact SUVs, midsize trucks, and minivans tend to have the cheapest average rates, with luxury cars and sports cars having the most expensive average cost to insure.

Car insurance rates by segment can be used for comparing estimates, but insurance rates for specific models range substantially within each segment displayed in the above chart.

For example, in the small luxury car segment, auto insurance rates in Arvada range from the Acura Integra costing $1,792 per year for a full coverage policy up to the BMW M340i at $2,460 per year, a difference of $668 just for that segment. Also, in the midsize car segment, the average cost of insurance can vary from the Hyundai Ioniq 6 costing $1,850 per year to the Tesla Model 3 costing $2,366 per year, a difference of $516 just for that segment.

The list below shows the model with the best car insurance rates in Arvada, CO, for each segment shown in the chart above. Average annual and monthly insurance rates are calculated for each model. Click any model to view segment comparisons and insurance rates by trim level.

• Cheapest compact car insurance – Toyota GR Corolla at $1,748 per year or $146 per month
• Cheapest compact SUV insurance – Subaru Crosstrek at $1,488 per year or $124 per month
• Cheapest midsize car insurance – Hyundai Ioniq 6 at $1,850 per year or $154 per month
• Cheapest midsize SUV insurance – Honda Passport at $1,604 per year or $134 per month
• Cheapest full-size car insurance – Chrysler 300 at $1,912 per year or $159 per month
• Cheapest full-size SUV insurance – Chevrolet Tahoe at $1,892 per year or $158 per month
• Cheapest midsize pickup insurance – Chevrolet Colorado at $1,724 per year or $144 per month
• Cheapest full-size pickup insurance – Nissan Titan at $1,884 per year or $157 per month
• Cheapest heavy duty pickup insurance – GMC Sierra 2500 HD at $2,048 per year or $171 per month
• Cheapest minivan insurance – Honda Odyssey at $1,840 per year or $153 per month
• Cheapest sports car insurance – Mazda MX-5 Miata at $1,864 per year or $155 per month
• Cheapest compact luxury car insurance – Acura Integra at $1,792 per year or $149 per month
• Cheapest compact luxury SUV insurance – Acura RDX at $1,684 per year or $140 per month
• Cheapest midsize luxury car insurance – Mercedes-Benz CLA250 at $2,072 per year or $173 per month
• Cheapest midsize luxury SUV insurance – Jaguar E-Pace at $1,882 per year or $157 per month
• Cheapest full-size luxury car insurance – Audi A5 at $2,384 per year or $199 per month
• Cheapest full-size luxury SUV insurance – Infiniti QX80 at $2,258 per year or $188 per month

Tips for finding cheaper car insurance

The seven tips below give some great ways that you can cut the cost of car insurance.

• Be a responsible driver and save. At-fault accidents increase insurance cost, possibly by an additional $2,876 per year for a 20-year-old driver and even as much as $610 per year for a 50-year-old driver. So be safe and save.
• Your job could lower your rates. Some car insurance providers offer discounts for earning a living in occupations like dentists, firefighters, high school and elementary teachers, members of the military, police officers and law enforcement, engineers, and others. Working in a qualifying occupation may save between $60 and $196 on your annual auto insurance bill, depending on your policy.
• Compare car insurance rates before buying a car. Different vehicles can have significantly different car insurance premiums, and insurance companies can sell policies with a wide range of prices. Check prices before you purchase in order to prevent any surprises when insuring your new car.
• Stay claim free. Most auto insurance companies offer discounts for not filing any claims. Insurance should only be used for larger claims, not nickel-and-dime type claims.
• Buy vehicles with cheaper auto insurance rates. The vehicle you drive has a big impact on the price you pay for car insurance. As an example, a Kia Telluride costs $932 less per year to insure in Arvada than a Dodge Challenger. Drive cheaper models and save money.
• Clean up your credit for better rates. Having a credit score over 800 could save as much as $316 per year when compared to a decent credit rating of 670-739. Conversely, a lesser credit rating could cost up to $366 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Save by raising your deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.