Coverage Watch does not have a financial relationship with any car insurance companies and quote providers. Everything displayed on the site is completely free from bias and based on legitimate data.

Get Cheap Car Insurance in Scenic Heights, Arvada, CO

We monitor insurance prices, helping the average driver in Scenic Heights save up to 30.1% on car insurance.

 

Start Saving

;

The Cheapest Minimum Coverage in Scenic Heights

The chart below shows the cheapest car insurance company in Scenic Heights 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 State Farm, followed by Bristol West, Safeco Insurance, and Geico.

 
Scenic Heights Insurer Monthly Cost
State Farm $67
Bristol West $79
Safeco Insurance $81
Geico $83

Savings for Every Kind of Scenic Heights Driver

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

Based on our extensive insurance data, we know the average Scenic Heights driver will save about 21% 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 $423 per year by choosing the right vehicle insurance company. Some Scenic Heights residents are paying out over $1,972 extra every year for auto insurance in Scenic Heights. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Scenic Heights, Arvada, CO Savings / Yr.
Drivers with good records
$423
Drivers with accidents
$753
Drivers with speeding tickets
$606
Drivers with a DUI conviction
$648
Young drivers
$1,918
Married drivers
$508
Drivers with bad credit
$744

Scenic Heights Car Insurance vs. Arvada

People living in Scenic Heights pay an average of 4.34% more than the typical driver in the state. The average driver in Scenic Heights can expect to pay about $1,152 per year, or $1,972 for full coverage.

Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Scenic Heights for most people.

Car Insurance Prices by Scenic Heights Neighborhood

Scenic Heights, Arvada, CO map of insurance costs by zip code and neighborhood

Insurance Prices

More expensive
Average
Less expensive

Where is insurance cheapest within Scenic Heights?

The map shows insurance prices in and around Scenic Heights, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $244 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,166 to a low of $1,922. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the East parts of Scenic Heights.

Pick the Best Car Insurance Company for You in Scenic Heights

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 Scenic Heights insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Scenic Heights

For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $423 over the average Scenic Heights car insurance company.

Visit Site

We use the average good driver, paying $129 per month, as our baseline for pricing in Scenic Heights. Geico, Travelers, and Auto-Owners 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 Scenic Heights drivers with accidents on their records

In Scenic Heights getting into an accident will raise premiums an average 34% for a yearly cost of $2,974. That's $1,002 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, Travelers, and Bristol West 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 $753 over the competition.

Visit Site

The best car insurance company for Scenic Heights drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $606 better than other car insurance companies.

Visit Site

Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Scenic Heights, tickets raise premiums on new quotes about $674. If you have a speeding ticket, we recommend State Farm, Geico, and Bristol West for savings that beat the average insurance cost of $2,646 per year.

The best auto insurance for Scenic Heights drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,106 per year in auto insurance premiums, which was $1,134 more than a driver with no major issues. State Farm, Travelers, and Bristol West penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $648 less each year.

Visit Site

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

In Scenic Heights, State Farm costs young drivers $1,918 less each year versus the average auto insurance bill.

Visit Site

Teen drivers account for more than their share of accidents, and thus end up paying about 69% more for insurance than more mature drivers in Scenic Heights. With an average cost of $6,380 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 American Family 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 Scenic Heights

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $126. State Farm, Geico, and Progressive provided the largest discounts to couples living in Scenic Heights.

State Farm gave the largest car insurance discounts to married couples, averaging $508 saved each year compared to an average Scenic Heights couple's premiums.

Visit Site

The cheapest car insurance in Scenic Heights for drivers with bad credit

People with poor credit saved an average of $744 with Geico.

Visit Site

Many people are surprised that their poor credit score can cost them an average of $1,125 every year. Premiums for people with poor credit were about $3,097 in Scenic Heights. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Geico, Nationwide, and Bristol West.

The best Scenic Heights car insurance company for customer service

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

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

Visit Site

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 Scenic Heights, which was better than other insurers.

Visit Site

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 Scenic Heights. 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 Scenic Heights

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 29% of Scenic Heights residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, Travelers tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Scenic Heights driver can expect to pay about $128 per month.

Visit Site

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 Scenic Heights, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, married couples, young drivers, good drivers, drivers with bad credit, and drivers with accidents.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Scenic Heights

What Influences the Cost of Car Insurance in Scenic Heights?

On average, car insurance in Scenic Heights 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 neighborhood are influenced by the following factors:

  • The average commute time in Scenic Heights is 33 minutes, which is about the national average for a driver in the city.
  • Colorado state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Scenic Heights 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 A- according to CrimeGrade.org.
  • Scenic Heights is a fairly densely populated area in the state. The neighborhood’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 Scenic Heights is $96 per month for minimum coverage and $164 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 Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Scenic Heights driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Scenic Heights 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.