Cheap Auto Insurance Quotes in Colorado Springs, CO (January 2022)

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Last Updated: January 2022

Another Mile High City

Far above sea level, picturesque Colorado Springs sits along the eastern foothills of the Rocky Mountains. 

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

Car Insurance in Colorado Springs, CO

The average cost of Colorado car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Colorado Springs, CO to find you the cheapest quotes in the area.
$106
$162
$209
$246
$268
State FarmNationwideLiberty MutualTravelersThe General

Cheapest Car Insurance in Colorado Springs, CO

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Colorado Springs, CO

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

Average Car Insurance Cost

$195
$216
$228
$142
$176
$215
ColoradoDenverAuroraFort CollinsArvadaColorado Springs
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Colorado Springs, CO Driving Facts

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Minimum Car Insurance Requirements in CO

Studies on the relationship between driver behavior and increasingly lax state laws on marijuana in Colorado have led to inconclusive results; however, marijuana-impaired highway deaths are reportedly in decline.

Colorado's minimum liability car insurance limits are as follows:

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

Colorado Springs Car Insurance Rates by Driver Age

They say some things get better with age, and indeed that’s true when it comes to car insurance rates in Colorado Springs! Younger, new drivers in Colorado Springs tend to pay more than their older friends because they fall into a higher-risk category. For example, a twentysomething driver in Colorado Springs pays on average $306 in insurance premiums per month. Compare these rates with rates of a thirtysomething colleague, and you’ll find that these drivers pay considerably less—an average of just $226 monthly. Continue aging, and it gets better. Colorado Springs drivers in their 60s represent less risk than their 50-year-old friends, and thus enjoy average monthly insurance rates of just $183.

Driving History
No Violation$256
Speeding Ticket$283
At-Fault Accident$292
Failure to Stop for Red Light / Stop Sign$295

Colorado Springs Car Insurance Rates by Driving and Accident History

Want the best insurance rates in Colorado Springs? While some risk factors are out of your control, maintaining an excellent driving record is not. Compare insurance rates between those with and without violations on their records, and the savings are easy to see. What kind of rates can a driver with a clean record expect to get on average? The answer is $255 in monthly insurance premiums. Average rates for those with a speeding violation, an at-fault accident, and even a failure to stop on their record come in much higher at $282, $291, and $294, respectively.

Colorado Springs Car Insurance Rates by Credit Tier

If you haven’t checked on your credit score lately, here’s one reason to know it and treat it carefully: your credit score can affect your insurance rates. Insurance companies view credit score as a way to measure your trustworthiness and risk. People who pay their bills on time, for example, are scored differently when it comes to risk than those who have let their bills go unpaid. In Colorado Springs, drivers with an excellent credit score can expect to pay an average of $256 per month for car insurance.

Colorado Springs DMV 

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

Public Transit in Colorado Springs

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

Find local Colorado Springs agents

Aion Insurance Consultants, Inc
540 Garden of the Gods Road, Colorado Springs, CO 80907
Insurance Centers of America
2055 Anglo Dr #200, Colorado Springs, CO 80918
WestCo Insurance LLC
9235 N Union Blvd Ste 150, Colorado Springs, CO 80920
Equity Insurance Group
1880 Dublin Blvd., Suite C, Colorado Springs, CO 80918
The Insurance House
5180 N Union Blvd, Suite 105, Colorado Springs, CO 80918
American Insurance Exchange
500 N Circle Dr #206, Colorado Springs, CO 80909
Brukhouse Insurance Inc.
2930 Austin Bluffs Parkway Suite 202, Colorado Springs, CO 80918
Ron Baumgart Insurance Agency
7660 Goddard St Ste 205, Colorado Springs, CO
Curt Baker Insurance Group Inc DBA Baker Insurance Group
5555 Erindale Drive Suite 205, Colorado Springs, CO 80918
Six & Geving Insurance, Inc.
3630 Sinton Rd, Ste 200, Colorado Springs, CO 80907-5077

Insurify Insights: How Colorado Springs Drivers Measure Up

honda
Honda Civic
Most Popular Car in
Colorado Springs, CO
suspended licenses
#7
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Colorado Springs drivers measure up to their fellow Colorado motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Colorado Springs

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Colorado Springs drivers rank 16 in the number of car accidents per driver across all cities in Colorado.

  • Rank within state: #16
  • Percent of drivers in Colorado Springs with an accident: 10.39%
  • Drivers in Colorado Springs, CO with an accident in their driving history paid on average 20.89% more than drivers with a clean record

Speeding in Colorado Springs

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Colorado, Colorado Springs drivers rank 13 in the number of speeding infractions per driver.

  • Rank within state: #13
  • Percent of drivers in Colorado Springs with a speeding ticket: 13.36%
  • Drivers in Colorado Springs, CO with a speeding ticket in their driving history paid on average 25.78% more than drivers with a clean record

DUI/DWIs in Colorado Springs

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Colorado Springs drivers rank 15 in the number of DUI’s per driver across all cities in Colorado.

  • Rank within state: #15
  • Percent of drivers in Colorado Springs with a DUI: 2.3%
  • Drivers in Colorado Springs, CO with a DUI in their driving history paid on average 7.11% more than drivers with a clean record

Most Popular Vehicle in Colorado Springs

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Colorado Springs is the Honda Civic.

Rude in Colorado Springs

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Colorado, Colorado Springs drivers rank 10 in rude driving infractions.

  • Rank within state: #10
  • Percent of drivers in Colorado Springs with a reckless driving violation: 2.64%
  • Drivers in Colorado Springs, CO with a reckless driving violation in their driving history paid on average 24.89% more than drivers with a clean record.

Safest Drivers in Colorado Springs

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Colorado Springs drivers rank 7 in clean driving records across all cities in Colorado.

  • Rank within state: #7
  • Percent of drivers in Colorado Springs with clean record: 76.42%

Failure to Yield the Right of Way in Colorado Springs

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Colorado Springs drivers rank 11 in failure to yield violations per driver across all cities in Colorado.

  • Rank within state: #11
  • Percent of drivers in Colorado Springs with a failure to yield violation: 0.49%
  • Drivers in Colorado Springs, CO with a failure to yield violation in their driving history paid on average 2000% more than drivers with a clean record

Reckless Drivers in Colorado Springs

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Colorado, Colorado Springs drivers rank 14 in the number of reckless driving offenses per driver.

  • Rank within state: #14
  • Percent of drivers in Colorado Springs with a reckless driving offense: 0.11%

Hybrid/Electric Vehicle Ownership in Colorado Springs

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Colorado Springs drivers rank 21 in hybrid and electric vehicle ownership across all cities in Colorado.

  • Rank within state: #21
  • Percent of drivers in Colorado Springs with a hybrid/electric vehicle: 0.7%
Most Patriotic City

Most Patriotic City

Colorado Springs

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Fountain won Insurify's Most Patriotic Cities Award for the state of Colorado. Fountain is located just southeast of the Fort Carson army installation.

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

As American drivers know too well, enough of their precious time is wasted sitting in traffic each year. There’s no need to waste more time finding the perfect auto insurance policy.

Use Insurify to find the best rates available by comparing dozens of insurance quotes in just a few seconds.

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


FAQs - Colorado Springs, CO Car Insurance

How do I make sure my vehicle is ready for Colorado Springs winter?

Winter weather can have a big effect on driving in Colorado Springs in the colder months. Firstly, follow local law enforcement’s instructions, suggestions, and driving bans. Keep a safety kit in your car with a shovel, snow broom, ice scraper, water, snacks, warm clothing, emergency flares, flashlights, batteries, and jumping cables. In serious storms, only travel by car in emergencies or when vitally necessary. It’s best to stay safe at home and not risk the dangers of a snowy drive.

What are the penalties of driving uninsured in Colorado Springs?

Driving uninsured puts yourself and the drivers and passengers in the cars around you in great danger. You should never drive uninsured. Penalties for driving uninsured are severe and may include driving privilege and vehicle registration suspensions, revocation of license plates, statutory fees, reinstatement fees, and Colorado State SR-22 requirements.

What are the required insurance needs of Colorado drivers?

To legally drive in Colorado, vehicles must carry liability insurance, even if they are just parked on the road. Bodily injury and property damage coverage are required as the minimum coverage in the state. Supplemental coverage for further protection in the case of an accident can be obtained in the form of comprehensive, collision, loan/lease payoff, medical payments, rental car reimbursements, roadside assistance, and uninsured motorist protection. Insurance agencies offer these options for further coverage in the case of an accident caused by or involving your vehicle. As insurance products become more comprehensive, so does the protection. While cheap auto insurance is what some drivers are in the market for, other drivers prefer to have the highest coverage.

What happens if I get caught driving uninsured in Colorado Springs?

Driving uninsured puts yourself, your passengers, your property, and everyone around you in danger- never drive uninsured. In the state of Colorado, if a driver is found to be driving uninsured, punishments can have major, costly, and long-term repercussions. For the first offense of driving without financial responsibility, drivers will receive four points on their license, hundreds in fines, and license suspension. They may also be mandated to File SR-22 insurance.

Which company offers the cheapest auto insurance quotes in Colorado Springs?

The best way to get the cheapest car insurance in Colorado Springs and save on your auto insurance premium is to compare quotes from all companies in your area. Use a car insurance quotes comparison site like Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts. Rates can fluctuate greatly based on whether you're a safe driver or a high-risk one, but you should never overpay. Insurify provides the cheapest car insurance quotes and companies in your area in just a few seconds.

Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.


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