The average cost of full coverage car insurance in Colorado Springs is $2,109 per year, which is higher than the Colorado state average of $1,852. But Colorado Springs drivers can find ways to save money on their car insurance coverage — especially by shopping around and comparing quotes.
policycentral makes it easy to see what you’ll pay for coverage from top car insurance companies, so you can be sure you’re getting the coverage you need at rates you can feel good about.
Methodology & why you can trust our rates
policycentral has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Colorado Springs, CO
Your age, ZIP code, driving record, credit score, and past claims will all affect what you’ll pay for car insurance. But the company you choose can also make a big difference, since some car insurance companies will charge you less for coverage than others.
Company | Average cost | JD Power Rating |
|---|---|---|
American National | $960 | -- |
GEICO | $1,277 | 874 |
USAA | $1,343 | 890 |
State Farm | $1,392 | 882 |
Farm Bureau | $1,778 | -- |
Cheapest car insurance rates by ZIP code in Colorado Springs, CO
Car insurance rates can vary significantly within Colorado Springs. Busier neighborhoods with more cars on the roads have higher average car insurance rates, as do neighborhoods with higher rates of car theft and vandalism.
ZIP code | Average cost |
|---|---|
80919 | $1,955 |
80904 | $2,006 |
80921 | $2,010 |
80920 | $2,019 |
80912 | $2,022 |
80907 | $2,032 |
80918 | $2,036 |
80926 | $2,064 |
80903 | $2,091 |
80929 | $2,091 |
Choosing the right car insurance company in Colorado Springs, CO
There’s more to choosing a car insurance company than picking the one with the cheapest rates. Make sure you’re getting the highest limits you can afford, and that you’re choosing a company with solid customer service and claims satisfaction scores.
policycentral can help you figure out how much coverage you need and compare options, to make sure you’re choosing the policy that’s right for you.
Car insurance rates for drivers with driving violations in Colorado Springs, CO
Car insurance companies will also use your driving record to set your rates, and any accidents or moving violations on your record mean you’ll pay more for car insurance. More serious violations, like a DUI or an at-fault accident, mean bigger price increases.
Violation | American National | GEICO | USAA | State Farm | Farm Bureau |
|---|---|---|---|---|---|
At-fault accident | $1,421 | $2,136 | $2,024 | $1,631 | $2,356 |
DUI | $1,509 | $2,417 | $2,951 | $1,522 | $2,333 |
Suspended license | $1,626 | $2,012 | $2,783 | $1,522 | $2,333 |
Open container | $1,421 | $1,754 | $2,234 | $1,522 | $2,333 |
Expired registration | $1,198 | $1,439 | $1,787 | $1,522 | $2,229 |
Driving without lights | $1,198 | $1,807 | $1,583 | $1,522 | $2,229 |
Running a red light | $1,198 | $1,807 | $1,787 | $1,522 | $2,229 |
Following too closely | $1,198 | $1,807 | $1,787 | $1,522 | $2,229 |
Hit and run | $1,626 | $2,811 | $3,127 | $1,522 | $2,333 |
Not-at-fault accident | $1,041 | $1,347 | $1,438 | $1,413 | $1,943 |
Passing a school bus | $1,366 | $1,807 | $2,234 | $1,522 | $2,229 |
Reckless driving | $1,626 | $2,811 | $2,234 | $1,522 | $2,333 |
Speeding | $1,198 | $2,811 | $1,787 | $1,522 | $2,514 |
Cheapest car insurance for drivers with a DUI in Colorado Springs, CO
Company | Rates for drivers with DUIs |
|---|---|
American National | $1,509 |
State Farm | $1,522 |
Farm Bureau | $2,333 |
GEICO | $2,417 |
USAA | $2,951 |
Cheapest car insurance for drivers with a speeding ticket in Colorado Springs, CO
Company | Rates for drivers with speeding tickets |
|---|---|
American National | $1,198 |
State Farm | $1,522 |
USAA | $1,787 |
Farm Bureau | $2,514 |
GEICO | $2,811 |
Cheapest car insurance for drivers with bad credit in Colorado Springs, CO
Drivers with poor credit will pay more for car insurance, while a higher credit score usually means you’ll pay less. If you’re a Colorado Springs driver with bad credit, it’s all the more important to shop around to find your most affordable options.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,831 |
Nationwide | $2,719 |
State Farm | $2,758 |
USAA | $2,879 |
American National | $3,500 |
Buying car insurance in Colorado Springs, CO
Colorado Springs drivers must meet the minimum coverage requirements in the state, which are:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $15,000
Colorado is an at-fault state. This means that the insurance company of the driver who is found to be responsible for an accident will pay for the other party’s repair bills and medical costs, up to the policy’s limits.
That’s why it’s important to have more than the minimum amounts required in Colorado, without enough liability coverage, you could be on the hook for hundreds or thousands of dollars in repairs or hospital bills.
How to get cheap car insurance in Colorado Springs, CO
Take advantage of discounts, like savings for safe driving and insuring multiple cars or paying your premium up front as opposed to monthly.
Bundle multiple policies, like home and auto, with the same insurance company
Reshop before renewing your policy, to make sure you’re not missing out on a better deal somewhere else
Frequently asked questions
Is car insurance mandatory in Colorado?
Yes. Driving without insurance in Colorado may result in four points on your driver’s license and a minimum fine of $500 for the first offense. Unlike other states with a set license suspension time, Colorado may suspend your license indefinitely until you can show valid proof of insurance.
Is Colorado an at-fault state?
Yes, Colorado is an at-fault state. This means the driver who is responsible for an accident will pay the bodily injury and property damage costs associated with the accident, whether or not they have enough insurance to cover those costs.
What car insurance is required in Colorado?
Colorado state law requires drivers to have a minimum of 25/50/15 in liability insurance coverage.
How much is car insurance a month in Colorado?
The average cost of car insurance in Colorado is $154 per month, or $1,852 per year.
