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Get Cheap Car Insurance in Arvada, WY

We monitor insurance prices, helping the average driver in Arvada save up to 31.9% on car insurance.

 

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The Cheapest Minimum Coverage in Arvada

The chart below shows the cheapest car insurance company in Arvada for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Safeco Insurance, followed by Progressive, Geico, and Dairyland.

 
Arvada Insurer Monthly Cost
Safeco Insurance $36
Progressive $38
Geico $39
Dairyland $42

Savings for Every Kind of Arvada Driver

The table shows how much the average auto insurance customer in Arvada might save by following our recommendations.

Based on our extensive insurance data, we know the average Arvada driver will save about 23% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $354 per year by choosing the right vehicle insurance company. Some Arvada residents are paying out over $1,565 extra every year for auto insurance in Arvada. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Arvada, WY Savings / Yr.
Drivers with good records
$354
Drivers with accidents
$479
Drivers with speeding tickets
$427
Drivers with a DUI conviction
$776
Young drivers
$712
Married drivers
$331
Drivers with bad credit
$323

Arvada Car Insurance vs. Wyoming

People living in Arvada pay an average of 0.19% more than the typical driver in the state. The average driver in Arvada can expect to pay about $692 per year, or $1,565 for full coverage.

Based on our analysis, Safeco Insurance will be the cheapest provider in Arvada for most people.

Car Insurance Prices by Arvada Neighborhood

Arvada, WY map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Arvada?

The map shows insurance prices in and around Arvada, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $30 per year within the city boundaries, with insurance premiums ranging from a high of $1,583 to a low of $1,553. Insurance prices tend to be higher for those living in the South area, and lower for those with homes in the Central parts of Arvada.

Pick the Best Car Insurance Company for You in Arvada

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Arvada insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Arvada

For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $354 over the average Arvada car insurance company.

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We use the average good driver, paying $101 per month, as our baseline for pricing in Arvada. State Farm, Progressive, and Safeco Insurance are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Arvada drivers with accidents on their records

In Arvada getting into an accident will raise premiums an average 25% for a yearly cost of $2,080. That's $515 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Progressive, and Safeco Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $479 over the competition.

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The best car insurance company for Arvada drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $427 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Arvada, tickets raise premiums on new quotes about $337. If you have a speeding ticket, we recommend State Farm, Safeco Insurance, and Dairyland for savings that beat the average insurance cost of $1,902 per year.

The best auto insurance for Arvada drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,438 per year in auto insurance premiums, which was $873 more than a driver with no major issues. State Farm, Nationwide, and Safeco Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $776 less each year.

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The least expensive car insurance company for new and young drivers in Arvada

In Arvada, State Farm costs young drivers $712 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 64% more for insurance than more mature drivers in Arvada. With an average cost of $4,336 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and Farmers Insurance try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Arvada

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $40. State Farm, Geico, and Farmers Insurance provided the largest discounts to couples living in Arvada.

Geico gave the largest car insurance discounts to married couples, averaging $331 saved each year compared to an average Arvada couple's premiums.

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The cheapest car insurance in Arvada for drivers with bad credit

People with poor credit saved an average of $323 with Geico.

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Many people are surprised that their poor credit score can cost them an average of $464 every year. Premiums for people with poor credit were about $2,029 in Arvada. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Geico, and Safeco Insurance.

The best Arvada car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Arvada, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks State Farm as the best provider in Arvada.

Nationwide was the best company for customer service in Arvada according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Arvada, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Arvada. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Arvada

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 13% of Arvada residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Progressive tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Progressive for pricing. The average Arvada driver can expect to pay about $107 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Arvada, USAA has the best prices for drivers with accidents, drivers with bad credit, good drivers, drivers with a DUI conviction, young drivers, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Arvada

What Influences the Cost of Car Insurance in Arvada?

On average, car insurance in Arvada is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Arvada is 26 minutes, which is a little less than average for a driver in the state.
  • Wyoming state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Arvada are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
  • Arvada is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Arvada is $58 per month for minimum coverage and $130 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

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* Who is the average Arvada driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Arvada with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.