The best car insurance in Colorado Springs, CO

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The average cost of full coverage car insurance in Colorado Springs is $1,980, which is higher than the Colorado state average of $1,751. But Colorado Springs drivers can find ways to save money on their car insurance coverage — especially by shopping around and comparing quotes.

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Policygenius 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.

Key Takeaways

  • American National has the lowest average rates in Colorado Spring at $969 for a full coverage policy.

  • 80907 is the cheapest Colorado Springs ZIP code for car insurance.

  • Colorado requires at least $25,000 per person/$50,000 per accident in bodily injury liability coverage and at least $15,000 in property damage liability coverage.

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

$905

--

USAA

$1,254

890

GEICO

$1,277

871

State Farm

$1,342

881

Nationwide

$1,711

876

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

80903

$1,963

80904

$1,885

80905

$2,011

80906

$2,040

80907

$1,911

80909

$2,033

80910

$2,103

80912

$1,902

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.

Policygenius 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

USAA

GEICO

State Farm

Nationwide

At-fault accident

$1,288

$1,899

$2,136

$1,581

$2,789

DUI

$1,449

$2,795

$2,417

$1,471

$3,537

Suspended license

$1,525

$2,629

$2,012

$1,471

$3,537

Open container

$1,288

$2,099

$1,754

$1,471

$2,178

Expired registration

$1,118

$1,672

$1,439

$1,471

$2,178

Driving without lights

$1,118

$1,482

$1,807

$1,471

$2,178

Not showing documents

$1,118

$1,672

$1,439

$1,471

$2,178

Running a red light

$1,118

$1,672

$1,807

$1,471

$2,178

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

$2,572

State Farm

$2,764

USAA

$2,853

Kemper

$3,246

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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.

What are collision and comprehensive coverage?

Collision coverage covers damage to your car after a car accident, even if you were the one at fault. Comprehensive coverage covers the types of damage not caused by a car accident, like damage from extreme weather, fire, animals, falling objects, vandalism, and theft.

I’m turning 25 soon, will my rates change?

Drivers turning 25 could see lower rates, but a lot depends on your driving record and the kind of car you drive. How long you’ve had your license also matters. Some companies will drop rates gradually as you approach 25, while others may drop after the next renewal after your birthday.

Methodology

Policygenius 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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.