Colorado Springs, CO Auto Insurance (2024)
The average Colorado Springs, CO auto insurance rates are $342 per month. The minimum auto insurance in Colorado Springs is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Colorado Springs, Colorado, compare quotes from multiple companies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 22, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The minimum auto insurance required in Colorado Springs, Colorado is 25/50/15
- The most expensive auto insurance company in Colorado Springs for teen drivers is Farmers
- Average auto insurance rates in Colorado Springs, CO for senior drivers are $2,423 per year
Colorado Springs, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Colorado Springs can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Colorado Springs, Colorado, including driving record, credit, commute time, and more.
Compare auto insurance in Colorado Springs to other Colorado cities, including Westminster auto insurance rates, Lakewood auto insurance rates, and Thornton auto insurance rates to see how Colorado Springs, Colorado auto insurance rates stack up.
Before you buy Colorado Springs, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Colorado Springs, Colorado auto insurance quotes.
Minimum Auto Insurance in Colorado Springs, Colorado
Colorado Springs, Colorado auto insurance laws require that you have at least the Colorado minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Colorado Springs, Colorado.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
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Cheap Colorado Springs, Colorado Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Colorado Springs, Colorado are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $3,541 | $3,315 | $3,201 | $3,232 | $12,298 | $12,913 | $3,886 | $3,898 |
| American Family | $2,587 | $2,587 | $2,332 | $2,332 | $6,278 | $8,434 | $2,587 | $3,168 |
| Farmers | $3,397 | $3,363 | $3,082 | $3,337 | $12,860 | $12,898 | $3,715 | $3,729 |
| Geico | $2,216 | $2,424 | $2,368 | $2,707 | $6,966 | $7,340 | $2,023 | $2,045 |
| Liberty Mutual | $1,833 | $1,750 | $1,573 | $1,735 | $5,718 | $6,223 | $1,844 | $1,836 |
| Nationwide | $2,534 | $2,576 | $2,271 | $2,396 | $6,399 | $8,169 | $2,915 | $3,144 |
| Progressive | $2,661 | $2,488 | $2,343 | $2,330 | $9,242 | $10,317 | $2,991 | $2,901 |
| State Farm | $2,239 | $2,239 | $2,037 | $2,037 | $6,657 | $8,403 | $2,514 | $2,975 |
| USAA | $2,245 | $2,233 | $2,151 | $2,147 | $5,709 | $6,534 | $2,885 | $3,129 |
Cheap Colorado Springs, Colorado Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Colorado Springs, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Colorado Springs, Colorado.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $12,298 | $12,913 |
| American Family | $6,278 | $8,434 |
| Farmers | $12,860 | $12,898 |
| Geico | $6,966 | $7,340 |
| Liberty Mutual | $5,718 | $6,223 |
| Nationwide | $6,399 | $8,169 |
| Progressive | $9,242 | $10,317 |
| State Farm | $6,657 | $8,403 |
| USAA | $5,709 | $6,534 |
Cheap Colorado Springs, Colorado Auto Insurance for Seniors
What are senior auto insurance rates in Colorado Springs, Colorado? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,201 | $3,232 |
| American Family | $2,332 | $2,332 |
| Farmers | $3,082 | $3,337 |
| Geico | $2,368 | $2,707 |
| Liberty Mutual | $1,573 | $1,735 |
| Nationwide | $2,271 | $2,396 |
| Progressive | $2,343 | $2,330 |
| State Farm | $2,037 | $2,037 |
| USAA | $2,151 | $2,147 |
Cheap Colorado Springs, Colorado Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Colorado Springs, Colorado compared to the annual auto insurance rates with a clean record in Colorado Springs, Colorado.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $4,933 | $5,679 | $6,941 | $5,589 |
| American Family | $2,802 | $3,971 | $5,203 | $3,177 |
| Farmers | $4,896 | $6,299 | $6,215 | $5,780 |
| Geico | $2,466 | $3,861 | $4,493 | $3,224 |
| Liberty Mutual | $2,473 | $2,894 | $2,984 | $2,906 |
| Nationwide | $2,930 | $3,994 | $5,057 | $3,221 |
| Progressive | $3,804 | $5,383 | $4,015 | $4,435 |
| State Farm | $3,330 | $3,945 | $3,638 | $3,638 |
| USAA | $2,463 | $3,015 | $5,263 | $2,776 |
Cheap Colorado Springs, Colorado Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Colorado Springs, Colorado is not easy. Compare the annual rates for DUI auto insurance in Colorado Springs, Colorado to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,941 |
| American Family | $5,203 |
| Farmers | $6,215 |
| Geico | $4,493 |
| Liberty Mutual | $2,984 |
| Nationwide | $5,057 |
| Progressive | $4,015 |
| State Farm | $3,638 |
| USAA | $5,263 |
Cheap Colorado Springs, Colorado Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Colorado Springs, Colorado annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $7,394 | $5,682 | $4,281 |
| American Family | $4,920 | $3,504 | $2,940 |
| Farmers | $6,746 | $5,461 | $5,187 |
| Geico | $4,226 | $3,511 | $2,796 |
| Liberty Mutual | $4,010 | $2,470 | $1,963 |
| Nationwide | $4,595 | $3,638 | $3,168 |
| Progressive | $5,017 | $4,283 | $3,928 |
| State Farm | $5,043 | $3,248 | $2,622 |
| USAA | $4,987 | $2,857 | $2,294 |
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Cheap Colorado Springs, Colorado Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Colorado Springs, Colorado can vary. Compare the annual cost of auto insurance by ZIP code in Colorado Springs, Colorado to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 80902 | $3,844 |
| 80903 | $3,876 |
| 80904 | $3,716 |
| 80905 | $3,841 |
| 80906 | $3,787 |
| 80907 | $3,654 |
| 80909 | $3,847 |
| 80910 | $3,968 |
| 80912 | $3,810 |
| 80916 | $4,028 |
| 80917 | $3,806 |
| 80918 | $3,729 |
| 80919 | $3,617 |
| 80920 | $3,583 |
| 80921 | $3,632 |
| 80922 | $3,734 |
| 80923 | $3,696 |
| 80924 | $3,696 |
| 80925 | $3,781 |
| 80926 | $3,814 |
| 80927 | $3,828 |
| 80928 | $3,891 |
| 80929 | $3,904 |
| 80930 | $3,915 |
| 80938 | $3,787 |
| 80939 | $3,780 |
| 80946 | $3,806 |
| 80951 | $3,792 |
Cheap Colorado Springs, Colorado Auto Insurance Rates By Commute
Commute length and annual mileage affect Colorado Springs, Colorado auto insurance. Find the cheapest annual Colorado Springs, Colorado auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $5,786 | $5,786 |
| American Family | $3,706 | $3,870 |
| Farmers | $5,798 | $5,798 |
| Geico | $3,436 | $3,586 |
| Liberty Mutual | $2,814 | $2,814 |
| Nationwide | $3,800 | $3,800 |
| Progressive | $4,409 | $4,409 |
| State Farm | $3,546 | $3,729 |
| USAA | $3,283 | $3,475 |
Cheap Colorado Springs, Colorado Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Colorado Springs, Colorado? Check out the comparison of annual Colorado Springs, Colorado auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $5,422 | $5,762 | $6,172 |
| American Family | $3,586 | $3,866 | $3,912 |
| Farmers | $5,037 | $5,710 | $6,646 |
| Geico | $3,108 | $3,435 | $3,990 |
| Liberty Mutual | $2,623 | $2,801 | $3,018 |
| Nationwide | $3,767 | $3,801 | $3,833 |
| Progressive | $4,005 | $4,425 | $4,798 |
| State Farm | $3,352 | $3,640 | $3,920 |
| USAA | $3,213 | $3,380 | $3,545 |
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Best By Category: Cheapest Auto Insurance in Colorado Springs, Colorado
Compare the cheapest auto insurance companies in Colorado Springs, Colorado in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | Liberty Mutual |
| Seniors | Liberty Mutual |
| Clean Record | USAA |
| With 1 Accident | Liberty Mutual |
| With 1 DUI | Liberty Mutual |
| With 1 Speeding Violation | USAA |
The Cheapest Colorado Springs, Colorado Auto Insurance Companies
What auto insurance companies in Colorado Springs, Colorado are the cheapest? Compare the top Colorado Springs, Colorado auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $5,786 |
| American Family | $3,788 |
| Farmers | $5,798 |
| Geico | $3,511 |
| Liberty Mutual | $2,814 |
| Nationwide | $3,800 |
| Progressive | $4,409 |
| State Farm | $3,638 |
| USAA | $3,379 |
What affects auto insurance rates in Colorado Springs, Colorado?
There are a lot of reasons why auto insurance rates in Colorado Springs, Colorado are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Colorado Springs, Colorado. Many local factors may affect your Colorado Springs auto insurance rates.
Colorado Springs Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Colorado Springs, Colorado commute length is 22.7 minutes according to City-Data.
Colorado Springs Traffic
How does Colorado Springs, Colorado rank for traffic? According to Inrix Colorado Springs, Colorado is the 536th most congested worldwide.
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Compare Colorado Springs, Colorado Auto Insurance Quotes
Before you buy Colorado Springs, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Colorado Springs, Colorado auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a contract between a vehicle owner and an insurance company that provides financial protection against physical damage and liability resulting from traffic accidents, theft, and other covered events.
Is auto insurance mandatory in Colorado Springs, CO?
Yes, auto insurance is mandatory in Colorado Springs, CO, as well as throughout the state of Colorado. All drivers must carry a minimum level of liability insurance to legally operate a vehicle.
What is the minimum auto insurance coverage required in Colorado Springs, CO?
The minimum auto insurance coverage required in Colorado Springs, CO is known as 25/50/15 coverage. This means you must have at least $25,000 in bodily injury liability coverage per person, $50,000 in bodily injury liability coverage per accident, and $15,000 in property damage liability coverage.
Are there any additional auto insurance coverage options available in Colorado Springs, CO?
Yes, there are several additional auto insurance coverage options available in Colorado Springs, CO. These may include collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, rental reimbursement coverage, and roadside assistance coverage, among others.
How are auto insurance rates determined in Colorado Springs, CO?
Auto insurance rates in Colorado Springs, CO are determined based on various factors, including your driving record, age, gender, location, type of vehicle, coverage limits, and deductible choices. Insurance companies also consider statistical data and actuarial calculations to assess risk and determine premiums.
Can I get discounts on my auto insurance in Colorado Springs, CO?
Yes, many insurance companies offer discounts on auto insurance in Colorado Springs, CO. Common discounts may include safe driver discounts, multi-policy discounts (for bundling multiple insurance policies with the same company), multi-vehicle discounts, good student discounts, and discounts for anti-theft devices or safety features in your vehicle.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.