Cheapest Auto Insurance in Colorado Springs, Colorado (2025)

Colorado Springs drivers pay an overall average of $160 per month for car insurance, which is higher than the Colorado state average of $153. At 6,000 feet above sea level, Colorado Springs boasts scenic mountain views that draw plenty of tourists. These visitors can increase traffic on Colorado Springs roads, which might explain the city’s higher insurance costs.

Learn which companies offer cheap insurance in Colorado Springs and how to find the lowest rate for your unique driving profile.

6 of the cheapest car insurance companies in Colorado Springs

The best car insurance company for you will depend on your budget and specific needs as a driver. The following table outlines three of the cheapest car insurance companies in Colorado Springs and the drivers best suited for each company.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $95/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $123/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $131/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $147/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $157/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $117/mo*
Overall rating 4.1 6,083 reviews	Overall rating 4.9 1,205 reviews	Overall rating 4.5 240 reviews	Overall rating 3.9 6,453 reviews	Overall rating 4.3 487 reviews	Overall rating 3.3 6,986 reviews
Value for money 3.8/5	Value for money 4.9/5	Value for money 4.6/5	Value for money 3.8/5	Value for money 4.0/5	Value for money 3.3/5
Customer service 4.1/5	Customer service 4.7/5	Customer service 4.9/5	Customer service 3.9/5	Customer service 4.1/5	Customer service 3.3/5
Claims handling 4.1/5	Claims handling 4.9/5	Claims handling 4.9/5	Claims handling 4.1/5	Claims handling 4.4/5	Claims handling 3.4/5
Special highlight AI-generated from 6083 user reviews Customer service	Special highlight AI-generated from 1205 user reviews Members of the military community	Special highlight AI-generated from 240 user reviews Outstanding customer service	Special highlight AI-generated from 6453 user reviews Teen drivers	Special highlight AI-generated from 487 user reviews Usage-based savings	Special highlight AI-generated from 6986 user reviews Competitive rates

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for liability-only coverage: State Farm

Liability-only coverage

Compare Quotes

User Reviews	4.1 6,083 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$84/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$115/mo

Hide Details

Driver Reviews

4.1

Best choiceBased on 11,395 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,083)

Robert

Verified Review

State Farm Doing the Lord's Work

Reviewed in Florida on August 2025

They were quick on the phone when I needed insurance for my new car at the dealership, and they gave me the best rate (about $150 less a month) out of the 3 or 4 that I called.

Christopher

Verified Review

State Farm too expensive.

Reviewed in Florida on August 2025

Constant price increases are never a good thing.

Scott

Verified Review

State Farm: High on Cost, Low on Actual Service

Reviewed in Texas on August 2025

Absolutely painful. Exactly what you think of when discussing insurance companies. The agent is super active to get you to sign up, disappears entirely while you are a customer, and won’t get involved at all when you need something, but tries to be your best friend when you move to cancel.

Previous

1234…25

NextSee all State Farm reviews

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm is the largest car insurance company in the country by market share. Colorado Springs drivers who purchase State Farm’s liability-only insurance pay some of the lowest rates in the city.

Liability-only insurance is a good option for drivers of older vehicles or for drivers looking to save. State Farm drivers can earn discounts when they sign up for Drive Safe & Save, a telematics program that rewards safe driving.

Pros

• Some of the lowest average rates in the city

• Highest financial strength rating from AM Best

Cons

• Above-average complaint frequency for a company of its size, according to the National Association of Insurance Commissioners (NAIC)

• Large insurers may offer less personalized attention

Best insurer for drivers with DUIs: GEICO

drivers with duis

Compare Quotes

User Reviews	3.9 6,453 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$131/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$177/mo

Show Details

Driver Reviews

3.9

A solid optionBased on 12,072 verified guest reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best For

Teen drivers

Cheap rates

Accident forgiveness

Reviews (6,453)

Gary

Verified Review

I have never had to file a claim, so I can't comment on that aspect. However, I'm not happy that the cost increases with every new six-month term.

Reviewed in New Jersey on August 2025

I have never had to file a claim, so I can't comment on that aspect. However, I'm not happy that the cost increases with every new six-month term.

Dean

Verified Review

Selecting the Best Company

Reviewed in Nevada on August 2025

Always compare rates every 4 years. Verify discounts.

Sherryll

Verified Review

GEICO Car Insurance has been very reliable & affordable over the years.

Reviewed in Connecticut on August 2025

Very responsive whenever I have needed help.

Previous

1234…25

NextSee all GEICO reviews

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

A DUI can cost you up to $13,500 in fines, legal fees, and increased insurance costs in Colorado. That’s why drivers who get a DUI will want to look for an affordable company that offers safe driving discounts as they rebuild their driving record.

GEICO rewards drivers who go accident-free for five years with savings of up to 22% on most coverages. GEICO customers who enroll in a defensive driving course can also save.

Pros

• Highest financial strength rating from AM Best

• Rates are well below the city average

Cons

• Below-average customer satisfaction score from J.D. Power in the Southwest region

• Full-coverage rates are much higher than many competitors

Best insurer for military members and their families: USAA

Military Members and Their Families

Compare Quotes

User Reviews	4.9 1,205 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$108/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$148/mo

Show Details

Driver Reviews

4.9

Best choiceBased on 2,129 verified guest reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best For

Members of the military community

Outstanding customer service

Competitive rates

Reviews (1,205)

Richard

Verified Review

I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.

Reviewed in Connecticut on August 2025

I don't like that you only get the discount if you're enrolled in their monitoring safe driving program. It's not easy for someone like me who has a hard time navigating on my phone. I've tried to do it on the phone with one of their agents, but it didn't go through, so they raised my monthly payments. I'm on auto-pay, so I'm not very happy.

Robert

Verified Review

Best Value for Veterans!

Reviewed in Washington on July 2025

Top Notch! Best Insurance for Veterans!

Carol

Verified Review

I've been with them for 60 years

Reviewed in Georgia on July 2025

They offer a savings account, but you end up paying for it with higher premiums.

Previous

1234…25

NextSee all USAA reviews

Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

The military is central to Colorado Springs’ economy. The city is home to multiple military bases, 45,000 active-duty members, and more than 100,000 veterans. Luckily, USAA offers affordable rates to members of the military community.

USAA consistently earns some of the highest customer satisfaction scores from J.D. Power and other third-party insurance evaluators.

Pros

• High customer satisfaction scores from J.D. Power in the Southwest region

• Discounts for teens and safe drivers

Cons

• Availability limited to military members and their families

• Above-average NAIC complaint frequency for a company of its size

How to get the cheapest car insurance in Colorado Springs

Several factors affect the costs of car insurance, such as age, driving history, and choice of vehicle. Luckily, you can save on car insurance by using the following strategies:^[1]

• Choose a higher deductible. Your deductible is the amount you pay out of pocket on a claim before your insurance kicks in. Generally, drivers with higher collision and comprehensive deductibles pay lower monthly car insurance rates. Liability coverage doesn’t have a deductible.

• Look for discounts. When you sign up for a policy, it’s a good idea to check your company’s website or ask your agent for discounts. Most companies reward drivers who practice safe driving, install safety features, or purchase other policies, such as homeowners insurance or renters insurance, from the same insurer.

• Pick a safe car. Fancy sports cars are considered high-risk, meaning they have a higher chance of leading to expensive claims. Choose a vehicle with a strong safety record and safety features in order to save on car insurance.

• Shop around. Different companies offer different rates. The best way to find the lowest rate is to receive quotes from several companies, then compare them side by side using an online comparison tool.

Find Cheap Car Insurance in Colorado Springs

Liability rates start as low as $81 per month

Enter your ZIP codeView My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Cheapest liability-only car insurance in Colorado Springs: Progressive

If you cause an accident, liability insurance covers the costs of the other driver’s repairs and medical bills. Liability-only insurance won’t cover the cost of repairing your own vehicle. Below are some of the cheapest car insurance companies in Colorado Springs for liability-only insurance.

Liability insurance in Colorado Springs costs an average of $103 per month. Check out liability quotes in the table below.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Progressive	$81
State Farm	$84
Sun Coast	$84
Root	$85
Bristol West	$89
The General	$90
USAA	$108
American Family	$115
Safeco	$121
Allstate	$130
GEICO	$131
Direct Auto	$138
Nationwide	$138
Dairyland	$143
Auto-Owners	$148
National General	$154
Travelers	$209
Farmers	$220
Liberty Mutual	$226

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Colorado Springs: State Farm

Full-coverage auto insurance goes a step beyond liability-only insurance by including collision coverage and comprehensive coverage. Collision coverage helps with the cost of repairs to your own car after an accident, while comprehensive coverage is for damage to your car from non-collision events, such as fire, severe weather, or theft.

Drivers of new, high-value, or financed cars should consider full coverage.

Colorado Springs drivers pay $218 per month for full coverage, on average. Below are the cheapest full-coverage car insurance options in Colorado Springs.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
State Farm	$115
USAA	$148
American Family	$158
Progressive	$163
Root	$172
GEICO	$177
Allstate	$178
Nationwide	$190
Auto-Owners	$205
Bristol West	$210
Safeco	$213
The General	$222
Sun Coast	$236
Travelers	$289
Direct Auto	$295
Farmers	$301
National General	$305
Liberty Mutual	$330
Dairyland	$345

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Colorado

Colorado requires all drivers to carry the following minimum amounts of liability insurance:^[2]

Coverage	Minimum Requirements
Bodily injury liability	$25,000 per person / $50,000 per accident
Property damage liability	$15,000 per accident

Colorado is an at-fault state, which means the at-fault driver’s liability insurance will cover damages after an accident.^[3] Colorado Springs drivers looking for some added protection should consider the following optional coverages:

• 

  Collision coverage

  Collision insurance covers your own vehicle’s repairs after a collision, regardless of who’s at fault. This includes collisions with other vehicles, and objects such as a tree, fence, or light pole. It also covers rollover accidents and pothole damage.

• 

  Comprehensive coverage

  Comprehensive insurance pays for repairs to your vehicle after a non-collision event, such as fire, severe weather, or theft.

• 

  Uninsured/underinsured motorist coverage

  If you get in an accident with a driver who doesn’t have insurance or doesn’t have enough insurance, uninsured/underinsured motorist coverage will pay for your repairs and medical bills. This also covers hit-and-run accidents.

Cheapest car insurance for drivers with an incident

Drivers who have an incident on their driving record — such as speeding tickets, driving under the influence, or at-fault accidents — pay higher car insurance rates on average. Auto insurance companies will see you as a higher risk for future claims and raise your rates to offset that risk. How much your rates go up will vary based on the severity of the violation.

Shop for Car Insurance in Colorado Springs

Monthly rates start at $90 for drivers with an incident

Enter your ZIP codeGet My Quotes

Secure. Free. Easy-to-use.

Based on 3,806+ reviews

4.8/5

Cheapest car insurance for drivers with a speeding ticket: Progressive

Colorado drivers can face steep fines if they get a speeding ticket on their driving record — along with higher car insurance rates for three to five years. On average, drivers with speeding tickets pay $261 per month for full coverage and $124 for liability-only insurance in Colorado Springs.

The table below shows the cheapest coverage options in Colorado Springs for drivers with a speeding ticket in their driving history.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Speeding Ticket
Progressive	$81	$97
State Farm	$84	$100
Sun Coast	$84	$101
Root	$85	$108
Bristol West	$89	$109
The General	$90	$115
USAA	$108	$130
American Family	$115	$140
Safeco	$121	$150
Allstate	$130	$156
GEICO	$131	$163
Direct Auto	$138	$168
Nationwide	$138	$168
Dairyland	$143	$173
Auto-Owners	$148	$180
National General	$154	$185
Travelers	$209	$255
Farmers	$220	$267
Liberty Mutual	$226	$278

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Progressive

Colorado is an at-fault state, which means the liability insurance of the driver at fault will cover damages in the event of an accident. Drivers with an at-fault accident on their record also pay more for car insurance compared to drivers with a clean driving record. Accidents typically stay on your record for three to five years.

The average cost of liability insurance for Colorado Springs drivers with an at-fault accident is $121 per month. Full coverage averages $257 per month. The following table shows the cheapest car insurance companies in Colorado Springs for drivers with an at-fault accident on their driving record.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Accident
Progressive	$81	$95
State Farm	$84	$101
Sun Coast	$84	$99
Root	$85	$102
Bristol West	$89	$109
The General	$90	$115
USAA	$108	$131
American Family	$115	$141
Safeco	$121	$156
Allstate	$130	$158
GEICO	$131	$150
Direct Auto	$138	$174
Nationwide	$138	$169
Dairyland	$143	$175
Auto-Owners	$148	$179
National General	$154	$187
Travelers	$209	$256
Farmers	$220	$269
Liberty Mutual	$226	$280

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Progressive

A DUI is the most severe traffic violation and will usually raise your rates more than other violations. People in Colorado who drive while under the influence can get fined up to $1,500 and lose their license and car registration for anywhere from nine months to five years. You can lower your rates again by practicing safe driving for several years, then qualifying for discounts.

Colorado Springs drivers with DUIs face average monthly car insurance rates of $351 for full coverage and $166 for liability only. The following companies offer the cheapest car insurance policies for Colorado Springs drivers who have a DUI.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With DUI
Progressive	$81	$130
State Farm	$84	$132
Sun Coast	$84	$135
Root	$85	$133
Bristol West	$89	$139
The General	$90	$141
USAA	$108	$169
American Family	$115	$180
Safeco	$121	$193
Allstate	$130	$204
GEICO	$131	$205
Direct Auto	$138	$216
Nationwide	$138	$216
Dairyland	$143	$224
Auto-Owners	$148	$232
National General	$154	$241
Travelers	$209	$327
Farmers	$220	$345
Liberty Mutual	$226	$354

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: State Farm

Young drivers pay the most for car insurance on average, though car insurance rates usually increase again around age 70. Senior drivers in Colorado Springs may have to look a bit harder for an affordable rate.

The overall average cost of car insurance for seniors in Colorado Springs is $130 per month. The following table outlines the cheapest car insurance options for senior drivers in Colorado Springs.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
State Farm	$87	$64
USAA	$116	$85
American Family	$122	$89
Progressive	$132	$66
GEICO	$135	$100
Nationwide	$140	$101
Allstate	$140	$103
Root	$140	$69
Auto-Owners	$160	$115
Bristol West	$167	$71
The General	$174	$71
Safeco	$180	$102
Sun Coast	$191	$68
Travelers	$222	$160
Direct Auto	$226	$106
National General	$228	$115
Farmers	$230	$168
Liberty Mutual	$268	$184
Dairyland	$273	$113

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Progressive

Drivers younger than 20 have a fatal crash rate that’s three times as high as the fatal crash rate of drivers 20 and older, according to CDC data.^[4] Car insurance companies understand that teen drivers are riskier to insure, so they charge them higher rates for car insurance.

Teens can save on car insurance by staying on their parents’ insurance policy, purchasing a safe vehicle, or earning a good student discount. To legally purchase a car insurance policy of their own, minor teens must have written consent from a parent or guardian.

In Colorado Springs, car insurance for teen drivers averages $183 per month for liability-only coverage and $387 for full coverage. Teen drivers in Colorado Springs looking for an affordable car insurance company should consider the companies below.

The below rates are estimated rates current as of: Wednesday, July 30 at 12:00 PM PDT. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 7+ years experience in data analysis

• Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
State Farm	$214	$156
USAA	$265	$194
American Family	$288	$210
Progressive	$289	$144
Root	$295	$146
GEICO	$310	$230
Allstate	$342	$250
Nationwide	$360	$261
Bristol West	$369	$156
Auto-Owners	$369	$267
The General	$373	$151
Sun Coast	$418	$149
Safeco	$429	$244
Farmers	$562	$411
Travelers	$562	$407
Dairyland	$562	$233
Direct Auto	$569	$266
Liberty Mutual	$584	$400
National General	$607	$307

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Colorado Springs car insurance quotes by credit tier

Colorado allows car insurance companies to factor in a driver’s credit-based insurance score when determining rates, but it can’t be the only factor used during the underwriting process. Drivers with excellent or good credit scores pay lower rates on average compared to drivers with poor credit scores.

The chart below shows how credit affects quotes in Colorado Springs.

Is car insurance more expensive in Colorado Springs?

Colorado Springs drivers pay an overall average of $160 per month for car insurance, which is similar to the national average price for car insurance of $149 per month.

Car insurance rates vary by city in Colorado based on several factors, such as crime rates, repair costs, and even weather patterns. More expensive ZIP codes also tend to have higher rates.^[5]

More cities in Colorado

The following table shows how Colorado Springs compares to other cities in the Centennial State when it comes to average car insurance quotes.

City	Full Coverage	Liability Only
Arvada	$202	$100
Aurora	$247	$125
Boulder	$168	$95
Broomfield	$202	$100
Denver	$229	$112
Fort Collins	$172	$84
Greeley	$191	$87
Pueblo	$211	$95

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Colorado Springs car insurance FAQs