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 $150. 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 6,120 reviews	Overall rating 4.9 1,215 reviews	Overall rating 4.5 242 reviews	Overall rating 3.9 6,477 reviews	Overall rating 4.3 489 reviews	Overall rating 3.3 7,040 reviews
Value for money 3.8/5	Value for money 4.9/5	Value for money 4.5/5	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 4.0/5	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 6120 user reviews Customer service	Special highlight AI-generated from 1215 user reviews Members of the military community	Special highlight AI-generated from 242 user reviews Outstanding customer service	Special highlight AI-generated from 6477 user reviews Teen drivers	Special highlight AI-generated from 489 user reviews Usage-based savings	Special highlight AI-generated from 7040 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	4.1 6,120 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

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Driver Reviews

4.1

Best choiceBased on 11,501 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 (6,120)

Lemuel

Verified Review

Too Much

Reviewed in Ohio on August 2025

They raise the premium constantly.

Scott

Verified Review

State Farm: Unbelievable Agent

Reviewed in Florida on August 2025

When my wife and I were in an accident in the Blue Ridge Mountains and were airlifted to a trauma center in Tennessee, I called my agent to report the accident while laying flat on my back. She told me I needed to call the corporate number. I explained that I was flat on my back with IVs in me, and she said, "Don't worry, I will take care of everything. Call me back when you are better." They handled everything for us. When we returned home and went to see them, it was unbelievable. They said, "Bring all your bills in, and we will handle it for you."

Julio

Verified Review

Claims!!!

Reviewed in North Carolina on August 2025

I had a bad experience with a claim because both parties used the same insurance company.

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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.

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	3.9 6,477 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

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Driver Reviews

3.9

A solid optionBased on 12,148 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 (6,477)

Deanna

Verified Review

Finding Low Rates

Reviewed in Texas on August 2025

I went in looking to lower my rate with the same coverage. Geico had the lowest. The only other one was USAA, and they were the same.

Patrick

Verified Review

Easy, Quick, and Worth It

Reviewed in California on August 2025

Make sure all coverages are correct and then compare prices. Geico was the lowest.

James

Verified Review

GEICO is good, Safe Driving App is NOT

Reviewed in Texas on August 2025

The Safe Driving App does not accurately track driving, and I lost the discount because of it.

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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.

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

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User Reviews	4.9 1,215 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 2,153 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 (1,215)

Bob

Verified Review

Solid Insurance Company

Reviewed in Alabama on August 2025

I'm a 68-year customer. That should tell you everything.

Randall

Verified Review

USAA not recommended

Reviewed in Texas on August 2025

I had my debit card hacked, and the bank had to create a new account, which caused all of the autopayments to be rejected until I got a new card and account number. Since it was a hack used to purchase bitcoin, the bank fraud investigators took longer than normal to get everything switched over. Just about every company was great about the failed charge once they heard about the reason. Not USAA. They sent major emails the second the charge was rejected and kept piling on. I called them, and they were unapologetic and rude. I asked them if they kept track of how long a person has been a customer. They told me I had been a customer for 37 years. They could not have cared less and then started trying to intimidate me by asking if I was still active duty and needed to update their records with this info, which they had for 25 years. They have poor customer service and high rates. Not the company they used to be. They were the only company I left through the whole experience. I would not recommend them, especially after all of the fraud that has come out of the company in recent years.

John

Verified Review

Not recommended for vehicle insurance

Reviewed in New Jersey on August 2025

Very difficult to deal with if you have a vehicle insurance claim; very good though with homeowners insurance.

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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 $81 per month

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Based on 7,669+ 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: Tuesday, August 12 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: Tuesday, August 12 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 $91 for drivers with an incident

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Based on 7,669+ 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 $265 per month for full coverage and $125 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: Tuesday, August 12 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	$98
State Farm	$84	$102
Sun Coast	$84	$102
Root	$85	$109
Bristol West	$89	$111
The General	$90	$118
USAA	$108	$133
American Family	$115	$143
Safeco	$121	$152
Allstate	$130	$159
GEICO	$131	$165
Direct Auto	$138	$171
Nationwide	$138	$171
Dairyland	$143	$176
Auto-Owners	$148	$183
National General	$154	$190
Travelers	$209	$260
Farmers	$220	$272
Liberty Mutual	$226	$279

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 $124 per month. Full coverage averages $263 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: Tuesday, August 12 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	$98
State Farm	$84	$104
Sun Coast	$84	$101
Root	$85	$103
Bristol West	$89	$112
The General	$90	$118
USAA	$108	$135
American Family	$115	$144
Safeco	$121	$158
Allstate	$130	$161
GEICO	$131	$154
Direct Auto	$138	$179
Nationwide	$138	$173
Dairyland	$143	$180
Auto-Owners	$148	$182
National General	$154	$193
Travelers	$209	$262
Farmers	$220	$275
Liberty Mutual	$226	$282

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: Tuesday, August 12 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	$130
Sun Coast	$84	$135
Root	$85	$131
Bristol West	$89	$137
The General	$90	$139
USAA	$108	$167
American Family	$115	$177
Safeco	$121	$204
Allstate	$130	$200
GEICO	$131	$202
Direct Auto	$138	$213
Nationwide	$138	$213
Dairyland	$143	$221
Auto-Owners	$148	$228
National General	$154	$237
Travelers	$209	$322
Farmers	$220	$339
Liberty Mutual	$226	$349

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 $131 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: Tuesday, August 12 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	$89	$65
USAA	$118	$86
American Family	$124	$90
Progressive	$133	$66
GEICO	$139	$103
Nationwide	$142	$103
Allstate	$143	$104
Root	$143	$71
Auto-Owners	$162	$117
Bristol West	$169	$72
The General	$179	$73
Safeco	$182	$104
Sun Coast	$193	$69
Travelers	$226	$163
Direct Auto	$232	$108
Farmers	$234	$171
National General	$234	$118
Liberty Mutual	$270	$185
Dairyland	$277	$115

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: Tuesday, August 12 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	$215	$157
USAA	$267	$195
Progressive	$289	$144
American Family	$289	$210
Root	$294	$145
GEICO	$310	$229
Allstate	$344	$251
Nationwide	$362	$263
Bristol West	$369	$157
The General	$376	$152
Auto-Owners	$376	$272
Sun Coast	$419	$149
Safeco	$419	$238
Dairyland	$564	$234
Farmers	$568	$415
Travelers	$569	$412
Liberty Mutual	$571	$391
Direct Auto	$572	$267
National General	$614	$310

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 $144 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.

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