Cheapest Auto Insurance in Colorado Springs, Colorado (2026)

Colorado Springs drivers pay an overall average of $155 per month for car insurance, which is higher than the Colorado state average of $140. 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 $90/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $116/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $124/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $137/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $148/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $130/mo*
Overall rating 4.0 7,209 reviews	Overall rating 4.9 1,487 reviews	Overall rating 4.5 262 reviews	Overall rating 4.0 7,454 reviews	Overall rating 4.2 512 reviews	Overall rating 3.2 8,158 reviews
Value for money 3.7/5	Value for money 4.9/5	Value for money 4.3/5	Value for money 3.8/5	Value for money 3.6/5	Value for money 3.0/5
Customer service 4.2/5	Customer service 4.8/5	Customer service 4.9/5	Customer service 4.1/5	Customer service 4.0/5	Customer service 3.4/5
Claims handling 4.1/5	Claims handling 4.9/5	Claims handling 4.7/5	Claims handling 4.1/5	Claims handling 4.2/5	Claims handling 3.3/5
Special highlight AI-generated from 7209 user reviews Customer service	Special highlight AI-generated from 1487 user reviews Members of the military community	Special highlight AI-generated from 262 user reviews Outstanding customer service	Special highlight AI-generated from 7454 user reviews Teen drivers	Special highlight AI-generated from 512 user reviews Usage-based savings	Special highlight AI-generated from 8158 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

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User Reviews	4.0 7,209 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.	$64/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.	$129/mo

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Driver Reviews

4.0

Best choice in Colorado Springs, COBased on 15,982 verified driver 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 in Colorado Springs 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 in Colorado Springs for

Customer service

Competitive rates

Discounts for safe drivers

Showing 31 Colorado reviews for Colorado Springs drivers - See all 7,209 State Farm reviews

Lelia

Verified Review

State Farm Reviewed

Reviewed in Colorado on February 25, 2026

Shop around and compare.

Jerry

Verified Review

Excellent

Reviewed in Colorado on February 14, 2026

Shop around before you buy, but make sure you're comparing apples to apples.

Philip

Verified Review

I did the survey

Reviewed in Colorado on February 13, 2026

State Farm is great. I like dealing directly with my agent.

Le

Verified Review

St Farm Experience

Reviewed in Colorado on February 9, 2026

St Farm has been a fair insurer for decades. However, rates are increasing by leaps and bounds—just increased 22%!

Frank

Verified Review

Comments

Reviewed in Colorado on February 6, 2026

I have had very little contact with the office of this agent. I have not even received a Christmas card, a birthday card, or a call, but that doesn’t matter because the times that I’ve had claims, which has only been twice in the past 5-6 years, they have responded excellently. However, that is the claims office, not my agent.

Glenn

Verified Review

State Farm Review

Reviewed in Colorado on January 22, 2026

Excellent Service

Raymond

Verified Review

Great people but high cost increases.

Reviewed in Colorado on January 12, 2026

Service has been quite good with very nice, helpful staff. The only issue is that the price has gone up significantly over the last two years.

Janis

Verified Review

Excellent insurance. Can be pricey.

Reviewed in Colorado on January 9, 2026

I feel good about it.

Marvin

Verified Review

Very expensive and the Drive Safe discount doesn’t work half the time. I have been checking around for better and cheaper insurance.

Reviewed in Colorado on January 5, 2026

Very expensive and the Drive Safe discount doesn’t work half the time. I have been checking around for better and cheaper insurance.

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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

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User Reviews	4.0 7,454 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.	$98/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.	$197/mo

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Driver Reviews

4.0

Best choice in Colorado Springs, COBased on 16,212 verified driver 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 in Colorado Springs 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 in Colorado Springs for

Teen drivers

Cheap rates

Accident forgiveness

Showing 7 Colorado reviews for Colorado Springs drivers - See all 7,454 GEICO reviews

Brian

Verified Review

Need Better Value

Reviewed in Colorado on February 25, 2026

Good, but I need a lower price. All claims were done to my car, not by my car. My rates should not have gone up.

Pam

Verified Review

Terrible

Reviewed in Colorado on January 26, 2026

They raised my rates without any explanation.

Jerry

Verified Review

Price and Great App

Reviewed in Colorado on September 29, 2025

It's hard to beat their price. Great app.

Pamela

Verified Review

Insurance

Reviewed in Colorado on April 30, 2025

It was cheaper than Progressive.

Judy

Verified Review

Best Insurance Company

Reviewed in Colorado on April 22, 2025

Love Geico. Best insurance company I’ve had. Easy to work with and great value.

Bret

Verified Review

Good but expensive

Reviewed in Colorado on March 20, 2025

Matthew

Verified Review

Geico's discount policy is neither transparent nor well administered. Expect to be told that there is an inexplicable issue that invalidates the discount you were promised.

Reviewed in Colorado on March 14, 2025

Geico's discount policy is neither transparent nor well administered. Expect to be told that there is an inexplicable issue that invalidates the discount you were promised.

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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 1,487 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.	$83/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.	$166/mo

Show Details

Driver Reviews

4.9

Best choice in Colorado Springs, COBased on 3,167 verified driver 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 in Colorado Springs 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 in Colorado Springs for

Members of the military community

Outstanding customer service

Competitive rates

Showing 14 Colorado reviews for Colorado Springs drivers - See all 1,487 USAA reviews

Vlademir

Verified Review

Right price and fair.

Reviewed in Colorado on February 26, 2026

I have not had any issues, and the price was always far below other insurers.

Dale

Verified Review

USAA Experience

Reviewed in Colorado on January 28, 2026

Transparent, very good service, good value.

Marge

Verified Review

USAA

Reviewed in Colorado on January 26, 2026

I have been with them for 54 years and no one has beaten the rate for the coverage I want.

William

Verified Review

Unhappy Vet

Reviewed in Colorado on January 16, 2026

The insurance premium price keeps going up, and I have had no accidents and no speeding tickets. I would like to know why that has happened.

Jimmie

Verified Review

Not a bargain

Reviewed in Colorado on January 9, 2026

USAA is very high in cost and slow to pay out.

Joseph

Verified Review

USAA has no loyalty to long-term customers

Reviewed in Colorado on January 4, 2026

USAA consistently delivers exceptional service; I have been a loyal customer for nearly two decades. However, I've observed a continuous increase in rates, which suggests a lack of loyalty to long-standing customers. I believe USAA should consider implementing loyalty discounts for their tenured clientele, rather than consistently raising their rates.

Scott

Verified Review

USAA is good but shop around. You could do better.

Reviewed in Colorado on December 31, 2025

Overpriced compared to other carriers.

Oscar

Verified Review

I'm just checking prices. Their service is great, but their prices match the service. Just checking prices and coverage. They go hand in hand.

Reviewed in Colorado on November 22, 2025

I'm just checking prices. Their service is great, but their prices match the service. Just checking prices and coverage. They go hand in hand.

Cary

Verified Review

OK

Reviewed in Colorado on November 11, 2025

Good company, but costs keep going up.

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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 $64 per month

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4.7 out of 5 based on 12,610 reviews

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Cheapest liability-only car insurance in Colorado Springs: State Farm

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 $98 per month. Check out liability quotes in the table below.

The below rates in Colorado Springs, CO, are estimated rates current as of: Monday, March 9 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.

Insurance Company	Average Monthly Quote
State Farm	$64
Sun Coast	$76
Mile Auto	$83
USAA	$83
The General	$84
Root	$85
Progressive	$88
American Family	$88
Bristol West	$94
GEICO	$98
Allstate	$99
Nationwide	$106
Auto-Owners	$114
Safeco	$125
National General	$133
Dairyland	$139
Direct Auto	$139
Travelers	$161
Farmers	$168
Liberty Mutual	$223

Disclaimer: Table data sourced from real-time Colorado Springs car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Colorado Springs 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 $212 per month for full coverage, on average. Below are the cheapest full-coverage car insurance options in Colorado Springs.

The below rates in Colorado Springs, CO, are estimated rates current as of: Monday, March 9 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.

Insurance Company	Average Monthly Quote
State Farm	$129
USAA	$166
Root	$170
American Family	$178
Progressive	$191
Mile Auto	$195
GEICO	$197
Allstate	$200
Bristol West	$208
The General	$211
Nationwide	$214
Safeco	$221
Sun Coast	$229
Auto-Owners	$230
Direct Auto	$283
National General	$283
Travelers	$325
Liberty Mutual	$332
Farmers	$339
Dairyland	$355

Disclaimer: Table data sourced from real-time Colorado Springs car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Colorado Springs 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 $79 for drivers with an incident

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4.7 out of 5 based on 12,610 reviews

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Cheapest car insurance for drivers with a speeding ticket: State Farm

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 $275 per month for full coverage and $127 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 in Colorado Springs, CO, are estimated rates current as of: Monday, March 9 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.

Insurance Company	Clean Driving Record	With Speeding Ticket
State Farm	$64	$83
Sun Coast	$76	$99
Mile Auto	$83	$103
USAA	$83	$109
The General	$84	$114
Root	$85	$115
Progressive	$88	$114
American Family	$88	$116
Bristol West	$94	$120
GEICO	$98	$130
Allstate	$99	$131
Nationwide	$106	$140
Auto-Owners	$114	$151
Safeco	$125	$167
National General	$133	$169
Dairyland	$139	$177
Direct Auto	$139	$177
Travelers	$161	$213
Farmers	$168	$219
Liberty Mutual	$223	$289

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

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

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 $128 per month. Full coverage averages $276 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 in Colorado Springs, CO, are estimated rates current as of: Monday, March 9 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.

Insurance Company	Clean Driving Record	With Accident
State Farm	$64	$84
Sun Coast	$76	$99
Mile Auto	$83	$111
USAA	$83	$110
The General	$84	$115
Root	$85	$113
Progressive	$88	$115
American Family	$88	$117
Bristol West	$94	$123
GEICO	$98	$127
Allstate	$99	$132
Nationwide	$106	$142
Auto-Owners	$114	$150
Safeco	$125	$174
National General	$133	$175
Dairyland	$139	$183
Direct Auto	$139	$188
Travelers	$161	$215
Farmers	$168	$222
Liberty Mutual	$223	$294

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

Cheapest car insurance for drivers with a DUI: State Farm

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 $297 for full coverage and $137 for liability only. The following companies offer the cheapest car insurance policies for Colorado Springs drivers who have a DUI.

The below rates in Colorado Springs, CO, are estimated rates current as of: Monday, March 9 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.

Insurance Company	Clean Driving Record	With DUI
State Farm	$64	$92
Sun Coast	$76	$106
Mile Auto	$83	$120
USAA	$83	$120
The General	$84	$121
Root	$85	$123
Progressive	$88	$123
American Family	$88	$127
Bristol West	$94	$136
GEICO	$98	$140
Allstate	$99	$143
Nationwide	$106	$153
Auto-Owners	$114	$164
Safeco	$125	$192
National General	$133	$192
Dairyland	$139	$201
Direct Auto	$139	$201
Travelers	$161	$232
Farmers	$168	$242
Liberty Mutual	$223	$322

Disclaimer: Table data sourced from real-time Colorado Springs car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Colorado Springs 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 $127 per month. The following table outlines the cheapest car insurance options for senior drivers in Colorado Springs.

The below rates in Colorado Springs, CO, are estimated rates current as of: Monday, March 9 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.

Insurance Company	Full Coverage	Liability Only
State Farm	$98	$49
USAA	$131	$65
American Family	$138	$68
Root	$138	$69
Mile Auto	$149	$63
GEICO	$152	$76
Progressive	$156	$72
Allstate	$158	$78
Nationwide	$159	$79
Bristol West	$168	$76
The General	$173	$69
Auto-Owners	$177	$88
Sun Coast	$187	$62
Safeco	$188	$106
National General	$216	$102
Direct Auto	$222	$109
Travelers	$252	$125
Farmers	$261	$129
Liberty Mutual	$270	$181
Dairyland	$292	$114

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

Cheapest car insurance for teens: State Farm

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 $178 per month for liability-only coverage and $385 for full coverage. Teen drivers in Colorado Springs looking for an affordable car insurance company should consider the companies below.

The below rates in Colorado Springs, CO, are estimated rates current as of: Monday, March 9 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.

Insurance Company	Full Coverage	Liability Only
State Farm	$250	$124
Root	$293	$147
USAA	$308	$154
American Family	$337	$167
Progressive	$347	$160
GEICO	$352	$175
The General	$370	$147
Bristol West	$371	$168
Allstate	$396	$196
Mile Auto	$402	$171
Sun Coast	$416	$138
Nationwide	$419	$207
Safeco	$446	$252
Auto-Owners	$463	$229
Direct Auto	$545	$267
National General	$574	$270
Liberty Mutual	$585	$393
Dairyland	$609	$238
Travelers	$676	$335
Farmers	$676	$335

Disclaimer: Table data sourced from real-time Colorado Springs car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Colorado Springs 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 $155 per month for car insurance, which is similar to the national average price for car insurance of $136 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	$203	$99
Aurora	$231	$119
Boulder	$163	$85
Broomfield	$221	$97
Denver	$212	$108
Fort Collins	$170	$80
Greeley	$186	$83
Pueblo	$204	$89

Disclaimer: Table data is based on real-time Colorado Springs quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Colorado Springs car insurance FAQs