Aurora Insurance Rates:

Aurora, CO home insurance is nearly $737 to $998, about $61-$83/month. Our comprehensive guide indicates shoppers can save as much as $346 by comparing multiple quotes

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Aurora Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Allstate
Home Insurance Rate of $150/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $175,000

2 Beds, 2 Bath 1760 sqft Rental Property Constructed In 2011 with Hardwood Flooring, Shingles Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Smoke Alarm, Copper Water Pipes, Indoor Sprinklers, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Married Male who is Unemployed and has No Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 500-549 Credit Score

  • Seniors staying at home

Home Insurance Rate of $490/8 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $175,000

3 Beds, 3 Bath 1780 sqft Primary Residence Constructed In 1993 with Carpet Flooring, Composition Roof, Chainwall Foundation, Stone Siding, Wood Frame. Home Features Include Fire Extinguisher, Indoor Sprinklers, Swimming Pool, Central Air Conditioning, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

31 Years old Married Male who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $240/3 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $240,000

5 Beds, 5 Baths 2600 sqft Vacation Property Constructed In 1999 with Stone Flooring, Slate Shingles Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Smoke Alarm, Deadbolt Locks, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

46 Years old Single Female who has a Full Time Job with household income of $100-$150,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $620/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $180,000

2 Beds, 2 Bath 1790 sqft Rental Property Constructed In 1981 with Wood Flooring, Slate Shingles Roof, Crawl Space Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Divorced Female who is a Freelancer with household income of $25-50,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 700-749 Credit Score

Home Insurance Rate of $110/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1100 sqft Vacation Property Constructed In 1992 with Linoleum, Asphalt Shingles Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $200/4 months for $125,000-$150,000 Coverage
Policy Holder Home Details :

Home Value : $125,000

1 Bed, 1 Bath 886 sqft Rental Property Constructed In 1976 with Hardwood Flooring, Asphalt Shingles Roof, Chainwall Foundation, Brick siding, Metal Frame Construction. Home Features Include Swimming Pool, Copper Water Pipes, Smoke Alarm, Fire Extinguisher, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

35 Years old Divorced Female who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

Aurora, CO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
80016 $377,400 $940
80018 $255,800 $900
80015 $242,200 $900
80013 $195,000 $890
80014 $179,200 $870
80012 $165,800 $870
80017 $164,200 $870
80019 $152,600 $860
80010 $138,400 $860
80011 $136,400 $860

Aurora Rates & Quotes Analysis:

Aurora Area Estimated House Insurance
S Haleyville St, S Duquesne Way, Perth St, Elmira St, E Jewell Pl, S Mission Pkwy, S Nepal Way, S Ursula St, S Abilene Cir, E Gunnison Dr$847
E Caspian Dr, E Peakview Dr, S Lima Cir, E Atlantic Dr, S Flat Rock St, E Hamilton Dr, S Halifax Ct, Evanston St, S Chester St, S Atchison Cir$876
N Biloxi Way, S Carson Ct, S Argonne Way, S Lansing Way, E David Pl, Valleyhead Way, S Riviera Way, S Malaya Way, S Buchanan Way, E 5th Cir$926
E Milan Dr, Quari St, E Amherst Way, E Idaho Ave, S Scranton Way, E Mansfield Dr, S Emporia Way, Geddes Ave, S Ventura Way, S Kewaunee Way$943
S Rifle Cir, Clinton St, E Radcliff Dr, E Aberdeen Ave, S Kirk Way, S Kittredge Cir, Chester St, S Coolidge St, S Ventura Way, E Bethany Cir$850
E Walker Pl, S Ukraine Ct, S Yost St, N Hayesmount Rd, S Country Club Pkwy, Newark St, S Kingston Ct, S Catawba Ct, E Amherst Ct, E Bethany Dr$954
Langdale Way, E Irish Ave, S Biloxi Way, E Valleyview Ave, S Tower Way, E Hoover Pl, E Eldorado Dr, Nova Cir, S Ursula Way, Hanover St$934
E Severn Pl, S Granby Cir, Rifle St, E Greenwood Cir, S Scranton Way, Jamaica St, S Algonquian Way, S Tucson St, E Bethany Dr, S Langdale Way$879
S Liverpool Cir, E Wyoming Dr, Buchanan Ct, E Mercer Cir, S Valdai St, E Oregon Dr, Hanover St, S Cimarron St, Nevada Cir, Jamaica St$860
S Truckee Ct, E Linvale Ave, E Tennessee Cir, E Virginia Ave, S Malta Ct, Macon St, E Napa Dr, S Oakland Way, S Atchison Ct, E Lehigh Pl$874

Insurance rates are influenced by a number of factors including:

  • Year Built: 34,946 Homes (26% of total homes ) built between 1980 to 1989 in Aurora are paying home insurance between $1,294-$1,307. Places close to Aurora, CO such as South Aurora, Watkins, Foxfield are more expensive by $10, $79, $176 respectively while Aetna Estates and North Aurora are cheaper by $77 and $25 respectively for similar homes.
  • Bedrooms: 23,544 4 bedrooms homes (17% of total homes ) in Aurora are paying about $737. Areas near to Aurora such as South Aurora, Watkins, Foxfield are costlier by $6, $45, $101 respectively whereas North Aurora and Glendale are more economical by $13, $6 respectively for similar homes.
  • Auto Insurance Bundling: 17,634 Households (24% of all households) in Aurora have 3 or more vehicles available and when it is bundled with home insurance you can save $216. Discounts for similar bundling in close by locations such as Aetna Estates, South Aurora, Watkins come to $204, $218, $230 respectively.
  • Senior Discounts: 30,521 seniors (more than 55 years) occupied housing units (41% of total) in Aurora get discounts between $130 to $132. The comparative concessions in proximate regions such as Aetna Estates, South Aurora and Watkins are $122, $131 and $138 respectively.
  • New Homes discounts: New homes such as the 44,945 homes built between 2000 to 2009 in Aurora can save $173 and similar new home insurance discounts in nearby towns and cities like Aetna Estates, South Aurora and Watkins are $163, $174 and $184 respectively.

Aurora Homeowners insurance Facts

  • Aurora, CO has 73,229 owner occupied houses which is 60.0% of all units whereas Aetna Estates, South Aurora and Watkins have 72.36%, 61.14% and 75.93% respectively.
  • Aurora, CO homeowners yearly insurance price at $867 is 0.48% of the typical house value of $179,400 which is in contrast with 4.36% in Aetna Estates, 0.44% at South Aurora & 0.27% in Watkins.
  • Homeowners in Aurora, CO pay 1.28% of their income ($60,000 to $74,999) in insurance whereas homeowners in Aetna Estates, South Aurora and Watkins pay 1.21%, 1.29% and 1.36% respectively.
  • Aurora, CO’s insurance is 4.8% of monthly housing costs of $1,500/month, for owners with a mortgage compared to 13.91% in Aetna Estates, 4.52% at South Aurora & 5.48% in North Aurora. But, for households without a mortgage, insurance is 17.6% of costs ($411 in Aurora, CO) in contrast with 11.76% in Aetna Estates, 16.86% at South Aurora & 17.3% in North Aurora.

Aurora, CO Home Values & Insurance rates

For example, insurance for 6,248 Homes (8.0% of total homes ) valued between $250,000 to $299,999 in Aurora, CO is about $1,326. Rates in nearby areas in such as South Aurora, Watkins, Foxfield are cheaper by $129, $600, $844 respectively while North Aurora and Bennett are costlier by $512 and $235 respectively for similar homes.

Aurora, CO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,401 4.0% $112
$60,000 to $69,999 951 1.0% $312
$70,000 to $79,999 1,362 1.0% $355
$80,000 to $89,999 1,751 2.0% $407
$90,000 to $99,999 1,868 2.0% $450
$100,000 to $124,999 5,941 8.0% $528
$125,000 to $149,999 8,019 11.0% $658
$150,000 to $174,999 11,009 15.0% $780
$175,000 to $199,999 9,784 14.0% $901
$200,000 to $249,999 13,651 19.0% $1083
$250,000 to $299,999 6,248 8.0% $1326
$300,000 to $399,999 4,915 7.0% $1690

Renters Insurance in Aurora

  • Average Renters Insurance in Aurora :  $222($18/month)

  • Median Gross Rent in Aurora :  $916

  • Aurora Renters Insurance to Median Rent Ratio:  1.97%

  • Renter occupied housing units in Aurora :  48,925

Aurora Renters Insurance as a Percentage of Rent

Aurora Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
$300 to $499 1,091 2.0% $1255
$500 to $749 11,644 24.0% $1930
$750 to $999 15,418 32.0% $2680
$1,000 to $1,499 14,214 29.0% $3805
$1,500 or more 4,999 10.0% $5455

Rent Affordability in Aurora:

Approximately 49.0% (24,228) of households are spending more than 35% of their income on gross rent in Aurora

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 3,123 6.0%
15.0 to 19.9 percent 5,263 10.0%
20.0 to 24.9 percent 5,176 10.0%
25.0 to 29.9 percent 6,580 13.0%
30.0 to 34.9 percent 4,555 9.0%
35.0 percent or more 24,228 49.0%

Protective device discount in Aurora Up to :  $33

Claims-free discount in Aurora Up to :  $44