Click here for our full-length guide to Colorado car insurance quotes, discounts, and state requirements.

Car travel is the main mode of transportation for tens of thousands of drivers in Colorado Springs. Finding the right car insurance policy for you and your lifestyle is a vital step towards safe driving in Colorado Springs. 

Over a mile above sea level, picturesque Colorado Springs sits along the eastern foothills of the Rocky Mountains. Glacier-topped mountains surround the city providing 360º vistas of breathtaking natural views. Whether you’re in town to hit the slopes or explore the trails, or if you’re lucky enough to call this outdoor oasis home, finding the right car insurance is a vital step to safe driving in Colorado Springs, Colorado. The main mode of transportation for nearly half a million residents. Identifying the right car insurance policy and coverage for you and your lifestyle is an important step towards safe driving in Colorado Springs. Compare and save on the best and cheapest car insurance quotes in Colorado here.

Find cheap car insurance quotes for Colorado Springs today.

For more city-specific car insurance details, check out our overviews of Aurora and Arvada.

Cheapest Car Insurance Quotes in Colorado Springs, CA

Here are the cheapest insurance companies in Colorado Springs-based on averaged sample rates for four driver profiles that included varied gender, age, driving history, credit, marital status, prior insurance, higher education, employment, and military service. Clean driving records may amount to “good driver discounts,” resulting in lower overall insurance costs.

Insurance CompanyQuotes
State Farm$106/month
Nationwide$162/month
Liberty Mutual$209/month
Travelers$246/month
The General$268/month

USAA often offers the lowest car insurance rates to Colorado drivers, but it is only available to active-duty members of the military, veterans, and their immediate families.

Best Car Insurance Companies in Colorado Springs, CA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top-rated companies that offer car insurance in Colorado Springs. For the complete list, see Insurify’s best car insurance companies.

Insurance CompanyScoreQuotes
American Family88$298/month
Nationwide 84$162/month
State Farm83$106/month
Travelers 81$246/month
Liberty Mutual80$209/month

Compare Average Premiums 

Insurance rates vary greatly from town to town. Colorado Springs has higher monthly premiums compared to state and national averages. Keep the savings rolling and compare policies on Insurify today. 

Colorado Springs Average Premium Colorado Average Premium National Average Premium
$215/month $195/month $131/month

Colorado Springs Auto Insurance Requirements 

Before operating on Colorado roadways, Colorado drivers must ensure their motor vehicle holds sufficient liability insurance.

Liability coverage is a safety necessity.

In Colorado, state minimum coverage limits for liability car insurance are as follows:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Driving records, prior car accidents, prior moving violations, speeding tickets, commute length, and other demographic factors may cause fluctuation to your Colorado Springs auto insurance rates.

Read more about Colorado car insurance requirements. 

Comprehensive and collision coverage are supplemental options offered by insurance providers to protect your vehicle and passengers from “Acts of God,” vandalism, and other uncontrollable circumstances. 

For a free quote, compare auto insurance companies on Insurify

Colorado Springs DMV Information 

Colorado Springs has one major DMV outpost in the city. Located on North Union Boulevard, the office hours are 8 AM to 5 PM with varying morning and weekend hours.  You may be able to skip your visit altogether and utilize their online portal to get the answers and services you need. 

Public Transit in Colorado Springs

The Mountain Metropolitan Transit System runs bus routes throughout the city of Colorado Springs into Manitou Springs, North to the Chapel Hills Mall, and other surrounding suburbs. Amtrak and Greyhound provide train and long haul bus services at stations in and near Colorado Springs. Ridesharing services like Uber, Lyft, and traditional taxis also operate across the city.

Conclusion: How to get the best and cheapest car insurance in Colorado Springs 

As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy. Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

With an estimated 13.3 percent of Colorado vehicles driving uninsured, being on the road comes with a huge risk. Don’t become just one more uninsured motorist—use Insurify to get the best coverage and rates for your car at a price that works for you.

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Updated February 12, 2020

Jackie Cohen received her B.A. in Global Media and Public Relations from the University of Massachusetts, Amherst. Currently based in Boston, MA, she works as a content writer for Insurify. An avid globe-trotter and foodie, Jackie spends her spare time adventuring far and near.