Aurora Insurance Rates:

Aurora, CO homeowners 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. Enter your zipcode below and click “GO” to get multiple free quotes.

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Aurora, CO, Best Home Insurance Companies

The average home insurance rate in Aurora, Colorado, ranges between $737 to $998. By comparing quotes from multiple home insurance companies, Aurora homeowners can save as much as $346 on home insurance. To help Aurora homeowners choose the cheapest insurance provider, we have curated a list of the top 5 home insurance companies in Colorado based on market share.


State Farm

State Farm is the most acclaimed home insurance company in the U.S., occupying a market share of 20.05% in Colorado. The renowned home insurance company has written direct premiums worth $498,710 and has earned direct premiums worth $475,734. State Farm holds a financial strength rating of A++ from A.M. Best for its superior financial capacity in granting potential claims of current Aurora policyholders. It also received a customer satisfaction score of 4/5 from J.D. Power based on the feedback collected from policyholders.


USSA has a market share of 11.25% in Colorado by offering its services exclusively to army veterans and their family members. It has written direct premiums worth $279,860 and earned direct premiums worth $267,672. A.M. Best has awarded it with a financial strength rating of A++ for its superior financial ability in granting potential claims of current Aurora policyholders. It holds a customer satisfaction score of 5/5 based on the feedback collected from policyholders by J.D. Power.

Liberty Mutual

According to the NAIC, Liberty Mutual holds a market share of 10.45% in Colorado. The home insurance company has direct premiums written worth $259,879, and direct premiums earned worth $243,797. A.M. Best rated Liberty Mutual with an A for its excellent ability to grant potential claims of current policyholders. In terms of overall customer satisfaction, Liberty Mutual received a score of 3/5 from J.D. Power.

American Family

American Family occupies a market share of 9.66% with total premiums written worth $240,158 and total premiums earned worth $232,461. It has earned a financial strength rating of A from A.M. Best for its excellent financial ability in granting claims of current policyholders. Based on the customer feedback curated by J.D. Power, American Family earned a customer satisfaction score of 3/5.


Allstate is another major player in the home insurance segment, with a market share of 9.47%. The home insurance company has direct premiums written worth $235,486, and direct premiums earned worth $225,891. Allstate has the superior financial ability in granting potential claims of current Aurora policyholders and has been awarded a rating of A+ from A.M. Best. It received a customer satisfaction score of 3/5 from J.D. Power.

Save on Aurora, CO, Home Insurance Through These Discounts

In Aurora, CO, homeowners pay an average homeowner’s insurance rate of $884 per annum. According to Vhome’s research, homeowners can save up to $346 on home insurance rates by making use of the discounts provided by home insurance companies.

The average home insurance rate of a home in Aurora varies from $112 to $1,690, depending on the age of the home. Newly constructed homes in Aurora earn a discount of up to $239 on insurance rates. On the other hand, homes older than 50 years attract an additional charge of $42 on insurance rates.

Home insurance companies provide discounts of up to $106 on insurance rates based on home construction type. Aurora homes constructed using fire-resistant materials and superior materials get discounts of $106 and $97, respectively, on their insurance rates. Masonry and brick homes earn a discount of $53, while homes that have a hail resistant roof get a $27 discount.

Senior citizens in Aurora receive discounts of up to $132 on homeowner’s insurance.   Homeowners who have multiple policies with the same insurance provider also earn considerable discounts on insurance rates.

The state of Colorado reported a high property crime rate of 31.01 per 1,000 residents in the current year. Aurora’s property crime rate is 30.04 per 1,000 residents, which is on par with that of Colorado. Taking these numbers into consideration, home insurance companies provide substantial discounts to homes equipped with safety features. Aurora homes located close to police stations and fire departments earn discounts of up to $27 and $35, respectively.

Homeowners can also earn discounts on home insurance rates by opting for a high deductible. According to a study done by Vhome, Aurora homeowners can save up to $1,800 for a lock-in period of 8 years by opting for a high deductible of $4,000 in place of $1,000.


Aurora, CO Homeowners Insurance By Home Value

Aurora, CO Home Value Total Homes % of Total Average Aurora, CO 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

Top Home Insurance Agents Near Aurora, CO

Home Insurance Company Near Aurora, CO Homeowners Insurance Agency Near Aurora, CO Address
Liberty Mutual Craig Smith 900 W. Castleton Rd. Suite 118, Castle Rock, CO, 80109
Travelers Ibc Insurance Llc 1580 LOGAN ST STE 510, DENVER, CO, 80202
Travelers Jji Inc 880 BUCHTEL BLVD, DENVER, CO, 80210
State Farm Kevin J Best 1990 59th Ave Ste D, Greeley, CO, 80634-9682
Farmers Steven Hesch 441 Wadsworth Blvd Ste 111, Lakewood, CO, 80226

Aurora, CO Home Insurance Agents for Top Companies

Cost Of Homeowners Insurance By Street Near Aurora, CO

Streets in Aurora Area Homeowners Insurance Cost
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

Aurora, CO Home Insurance Savings For Senior Occupied Homes

PlaceSavings For Senior Occupied Homes
Aurora$130 to $132
Aetna Estates$122
South Aurora$131

Aurora, CO Auto & Homeowners Insurance Bundling Discounts

Place 1 Car Bundle Savings On Insurance 2 Car Bundle Savings On Insurance 3 Car Bundle Savings On Insurance
Aetna Estates CDP, Colorado $102 $136 $204
South Aurora CCD, Arapahoe County, Colorado $109 $145 $218
Watkins CDP, Colorado $115 $153 $230

Aurora, CO Area Home Insurance as a % of Housing Cost

PlaceHome insurance as a % of housing cost for homes with mortgageHome insurance as a % of housing cost for homes without mortgage
Aurora, CO4.8%17.6%
Aetna Estates13.91%11.76%
South Aurora4.52%16.86%
North Aurora5.48%17.3%

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

Average Cost Of Home Insurance By Company In Areas Nearby Aurora For Different Scenarios

Structure Type Deductible Company Premium
Frame $500 Anpac $2,342
Frame $500 California Casualty Indemnity Exchange $1,834
Masonry $500 Depositors Insurance Company $1,062
Masonry $500 Encompass Indemnity Company $1,152
Masonry $500 Metropolitan Direct Property And Casualty Insurance Company $1,972
Frame $500 Praetorian Insurance Company $1,207
Masonry $500 Qbe Insurance Corporation $1,086
Frame $500 Secura Supreme Ins Co $1,538

Aurora, CO Home Insurance Costs With Deductible Scenario

Low DeductibleHigh Deductible
Yearly Aurora Homeowner Insurance Premium Example $2,200$1,600
Out of Pocket Expense During Claim$1,000$4,000
Total Home Insurance Premium for 8 years + Out of Pocket Expense for Claim $18,600$16,800
Net Savings to Aurora Home Owner from High Deductible Plan $1,800

Aurora, CO Home Insurance Costs With Home Replacement Value Scenarios

Scenario Aurora, CO Home Replacement Value MORE than Home Value Aurora, CO Home Replacement Value LESS than Home Value
Replacement Value $176,500 $117,000
Insurance Premium based on Replacement Value $800 $550
Risk Exposure from Under Insuring Coverage Unnecessary Home Insurance Coverage of $25,500 Risk Exposure from Under Insuring Coverage is $34,000
Premium Impact Insurance cheaper by $150/year Insurance costlier by $100/year

Example Aurora Homeowners Insurance Comparison Table to Compare The Cheapest Quotes

Insurance Company Nationwide InsuranceAllstateFarmers Insurance
Monthly Premium 7811850
Year Built 200019902014
Home Details 3 Beds, 1 Baths4 Beds, 1 Baths2 Beds, 1 Baths
Coverage Amount $200000-$250000$250000-$300000$125000-$150000
Deductible $500 Deductible$500- $1000 Deductible$500- $1000 Deductible

Sample Home Insurance Rates for Aurora, CO from Consumer Reviews & Surveys

Year Built Home Value Roof Type Sqft Number of Bedrooms Deductible Premium Premium Months Siding Type Smoker/Non Smoker
1996 150,000 Shingles Roof 1,710 5 $2500-$5000 Deductible 330 8 Stone Siding No
2011 175,000 Metal Roof 1,860 4 $500- $1000 Deductible 760 12 Stone Siding yes
2000 150,000 Membrane Roof 1,390 2 $500 Deductible 70 2 Wood siding No
1998 230,000 Slate Shingles Roof 2,580 4 > $10,000 Deductible 230 6 Fiber-Cement Siding yes
1990 340,000 Metal Roof 3,360 4 > $10,000 Deductible 150 3 Brick siding yes
2003 105,000 Composition Roof 1,270 2 $500- $1000 Deductible 220 6 Stone Siding yes
1996 180,000 Shingles Roof 1,490 3 $500- $1000 Deductible 360 7 Vinyl siding No
1998 410,000 Shingles Roof 3,890 5 > $10,000 Deductible 1010 10 Stucco siding yes
1997 360,000 Asphalt Shingles Roof 3,320 4 $2500-$5000 Deductible 230 2 Vinyl siding No
1989 240,000 Shingles Roof 2,470 4 $500- $1000 Deductible 1110 9 Stucco siding No
1995 180,000 Asphalt Shingles Roof 2,080 4 $500 Deductible 310 4 Wood siding No
1987 170,000 Membrane Roof 1,780 3 $2500-$5000 Deductible 500 10 Vinyl siding yes
1996 255,000 Wood Shake Roof 2,660 4 $500 Deductible 300 4 Stucco siding No
2010 340,000 Asphalt Shingles Roof 2,990 4 > $10,000 Deductible 580 8 Stone Siding yes
1980 425,000 Metal Roof 4,510 5 > $10,000 Deductible 550 7 Wood siding No
1988 305,000 Composition Roof 3,230 4 $2500-$5000 Deductible 270 3 Vinyl siding No
1997 145,000 Asphalt Shingles Roof 1,400 2 $500- $1000 Deductible 630 10 Brick siding No
1988 100,000 Shingles Roof 990 2 $1000-$2500 Deductible 150 5 Fiber-Cement Siding yes
1995 210,000 Membrane Roof 2,040 3 $500 Deductible 520 6 Brick siding yes
2012 195,000 Wood Shake Roof 1,600 2 $2500-$5000 Deductible 590 9 Wood siding No
1983 440,000 Membrane Roof 4,260 5 > $10,000 Deductible 820 8 Brick siding No
1984 255,000 Slate Shingles Roof 2,720 4 $500 Deductible 1100 10 Wood siding No
2011 200,000 Asphalt Shingles Roof 1,770 4 > $10,000 Deductible 90 2 Stucco siding No
2012 130,000 Slate Shingles Roof 1,570 2 $2500-$5000 Deductible 80 2 Stone Siding yes
1997 235,000 Membrane Roof 2,240 3 $500- $1000 Deductible 740 6 Wood siding yes
2011 175,000 Shingles Roof 1,760 2 $2500-$5000 Deductible 150 4 Stone Siding yes
1993 175,000 Composition Roof 1,780 3 $500 Deductible 490 8 Stone Siding yes
1999 240,000 Slate Shingles Roof 2,600 5 $500- $1000 Deductible 240 3 Wood siding yes
1981 180,000 Slate Shingles Roof 1,790 2 $500 Deductible 620 10 Fiber-Cement Siding No
1992 125,000 Asphalt Shingles Roof 1,100 2 $500 Deductible 110 2 Stone Siding yes
1976 125,000 Asphalt Shingles Roof 886 1 $500- $1000 Deductible 200 4 Brick siding No

Latest Home Insurance Reviews

Country Financial
overall we have had a good experience with their coverage and response to claims, I cannot recommend Country Financial because of their high cost and no apparent additional value for that high cost.
I would happily recommend USAA to anyone who needs insurance, provided they qualify and are in a family with active or inactive military members.
I would recommend because so far the experience has been a positive one. They seem positive and happy to help when needed.
Allstate is very good it's honestly one of the best insurance is that I have ever tried out in my life and trust me I have tried out a lot. Customer service is always on point.
This company although comparable in premium and deductible covered and protected our family significantly more. I may pay the same as other companies but I feel I get more for my money.
Liberty Mutual
I just purchased a home and have only had my home insurance a couple of weeks. So far Liberty Mutual has been easy to work with and offered a very competitive rate.
I honestly don't know how USAA compares to others. I will give them a 2.5. I feel like the coverage I have is accurate based off the time they spent gutting to know me and my needs.
As far as my premiums and deductibles this is where this company really shines. no one can touch this place. i have had other company's and my fees where double in both areas.
The rate given to me was the best one offered. I shopped around between 4 insurance companies and Progressive offered the most competitive quote.
Farmer's Insurance
Luckily I haven't dealt with the insurance company yet, but I've only had them about a year. So far, everything's been great. They have clear communication through emails with me about any policy updates or any tips.
the premium is a good one when compared to other polices i have come across and i prefer the policy and deductible to others in my region. Although it might not be very favorable and appealing to everyone.
My deductible and premium are about the best of any of the companies I researched.The offering and deductible were similar among all companies.
I would recommend my insurance companies to other because I have had no problems with them so far. I barely have to use the insurance but recently I did and they were more than helpful.
American Family Insurance
When you meet in deductible, it means that you have paid the entire amount of your coverage deductible and your insurance will help cover the remaining costs of cover your claims up to your coverage limits.
They offer the same as other insurance companies, but their price was cheaper. I had Geico for auto insurance already and got a bundle by choosing them for home insurance as well.
State Farm
I'd rate it at a 4 or 5. They're very helpful and I got a great deal on my rate. I had a burglary happen and they handled my claim very professionally and timely.
State Farm
The agent with whom i deal has been exceptional in taking into consideration my personal needs and circumstances and ensuring that i have the exact coverage i need.
Farmer's Insurance
Their representatives are very nice on the phone whenever i need to contact them and they are always sympathetic to my needs and problems.
Knowing you have home insurance just gives you peace of mind - really bad storms just went through here and we didn't have to (overly) worry about a tree hitting the house or a tornado, etc.
State Farm
It's just about right. I get an email and review once a year. Otherwise they leave me alone which works for me.
Always friendly, nice and easy to understand and talk to unlike a lot of other companies. Always English speaking without heavy accent
They are always kind and clear in their communication and take time to be personally invested in each phone call. I've never had a bad interaction with them.
I like that the company is Minnesota based. It is important that they are around where my property resides.
American Family
I have had no interaction with the agent I purchased the initial insurance from. He was pleasant and personable, I haven't had any issues with the insurance, payments, or claims.
All communication is over the phone or electronically. They are great at getting back to you when necessary. The only thing that would make it better would be if there was a local branch that I could go to.
American Home Insurance
I love the company and its basics approach to service, over-exceeding on where things matter rather than spreading themselves thin and not being able to provide the most for the situation of insurance required (a la Progressive, Farmers, All-State, etc.)
The plainness of their website. The premium could be lower.
State Farm
Their reps are very knowledgeable about the products they offer. They are always willing to review my policies and offer suggestions for coverages. They are a full-service institution.
I like the ease of use, I like the way I am treated anytime I contact them. I like that I can pay my bill online easily.
Farmer's Insurance
So far I would recommend this company for home insurance because they have been helpful have good policies and competitive pricing for our area,
State Farm
Everything about this company was so easy and good. Everything went so smoothly. I would not hesitate to continue business with this company.
The Hartford
State Farm
The insurance company representative was professional, knowledgeable and kind. My insurance company is prompt and take care of their business without delay.
I have not interacted much at all with the company and have not filed a claim. There really isn't anything to dislike at this point though that may change in the future,
American Family
Overall, I like the coverage they provide. I like the ease of use of their website and when I did have to file a claim, I liked that the process went smoothly. There was no run around given and they followed through with what they said they would do.
The single most important thing is they make people happy. I'm happy to open up my wallet and pay them
I am very satisfied. USAA has taken care of my family for many years with great service.

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