120+ more*Quotes generated for Insurify users in and around Colorado Springs, Colorado within the last 10 days. Last updated on April 30, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Colorado Springs, Colorado within the last 10 days. Last updated on April 30, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
)
)
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
)
)
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
){kind=small}
){kind=small}
)
)
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
)
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.
Updated
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
The average cost of car insurance in Colorado Springs is $101 per month for a liability-only policy and $239 per month for full coverage. That’s comparable to coverage costs in Denver but higher than in Pueblo.
Car insurance rates in Colorado Springs are higher than the Colorado average for several reasons. First, certain areas of the city have a moderate to high wildfire risk. The city is also at risk for flooding and landslides.[1]
Second, El Paso County, where Colorado Springs is located, has a higher rate of impaired driver filings per 100,000 residents than the state average, which could lead to higher insurance rates.
The minimum liability insurance requirements in Colorado are $25,000 per person and $50,000 per accident for bodily injury liability and $15,000 for property damage liability.[2] State Farm offers the lowest average minimum coverage rate for Colorado Springs, at $56 per month.
The data below shows the cheapest rates for liability-only car insurance in Colorado Springs.
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 | $56 |
| Sun Coast | $70 |
| USAA | $72 |
| The General | $75 |
| American Family | $77 |
| Root | $80 |
| Mile Auto | $83 |
| Progressive | $83 |
| GEICO | $86 |
| Allstate | $87 |
| Bristol West | $91 |
| Nationwide | $94 |
| Auto-Owners | $101 |
| Mendota | $114 |
| Trexis | $117 |
| Safeco | $118 |
| National General | $124 |
| Dairyland | $130 |
| Direct Auto | $132 |
| Travelers | $142 |
| Farmers | $147 |
| Liberty Mutual | $193 |
Colorado Springs’ location between the Rocky Mountains and the Palmer Divide increases its risk of extreme weather events, including flooding, wildfire, and landslides.
Full-coverage car insurance includes comprehensive coverage and collision coverage. Although it costs more than liability-only coverage, it offers protection against these hazards and can save you money in the long term.
State Farm offers the lowest average full-coverage car insurance rates in Colorado Springs, at $131 per month. The following table lists the cheapest rates for full-coverage car insurance in Colorado Springs.
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 | $131 |
| Progressive | $160 |
| Root | $167 |
| USAA | $170 |
| American Family | $181 |
| GEICO | $201 |
| Allstate | $203 |
| Mile Auto | $207 |
| Bristol West | $207 |
| Safeco | $212 |
| Nationwide | $217 |
| Sun Coast | $225 |
| The General | $226 |
| Auto-Owners | $233 |
| National General | $271 |
| Mendota | $280 |
| Direct Auto | $287 |
| Dairyland | $306 |
| Trexis | $308 |
| Liberty Mutual | $323 |
| Travelers | $329 |
| Farmers | $344 |
Grand Junction and Fort Collins have some of the lowest liability-only auto insurance coverage rates in Colorado. Colorado Springs sits at the higher end of the range, with average rates of $101 per month for liability-only coverage and $239 per month for full coverage.
Commerce City and Denver are both slightly more expensive than Colorado Springs, with Denver County’s higher car-theft rate likely increasing premiums in these cities.
The table below shows the average monthly car insurance quotes in several Colorado cities.
City | Average Monthly Quote |
|---|---|
| Aurora | $193 |
| Colorado Springs | $170 |
| Denver | $178 |
| Fort Collins | $135 |
| Grand Junction | $115 |
| Greeley | $144 |
| Longmont | $151 |
| Loveland | $136 |
| Pueblo | $162 |
Insurify Car makes it affordable and easy to get same-day liability coverage
Colorado Springs is among the most expensive cities in Colorado for car insurance. Although Insurify data shows that the city ranks 60th in the country for car thefts, the main reason car insurance in Colorado Springs is so expensive is wildfire-related.
The city’s wildland-urban interface, where human structures meet wildland vegetation, is at an elevated risk for wildfires. You can type your address into the Colorado Springs Wildlife Risk Assessment tool to see your exact risk. The higher your risk, the higher your average car insurance cost will be.
*Quotes generated for Insurify users in and around Colorado Springs, Colorado within the last 10 days. Last updated on April 30, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Colorado Springs, Colorado within the last 10 days. Last updated on April 30, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance companies consider your driving record when calculating your insurance premiums.[3] If you have a speeding ticket, an at-fault accident, or a driving under the influence (DUI) conviction on your record, you’ll likely pay more for car insurance.
Below are the cheapest auto insurance quotes in Colorado Springs by driving history.
Cheapest car insurance for Colorado Springs drivers with a clean driving record: State Farm
Cheapest car insurance for drivers with a speeding ticket in Colorado Springs: State Farm
Cheapest car insurance for Colorado Springs drivers with an at-fault accident: State Farm
Cheapest car insurance for drivers with a DUI in Colorado Springs: State Farm
Around 5% of drivers in Colorado Springs have an accident on their record, while 5.9% have a speeding ticket and 0.9% have a DUI, according to Insurify data. El Paso County recorded 533 impaired driving filings per 100,000 residents between 2020 and 2022 — almost 18% higher than the state average.
The county’s conviction rate during this period was 86%, according to data from the Colorado Division of Criminal Justice. Drivers who lose their license after a DUI suspension will need to file an SR-22.
Having an incident on your driving record doesn’t mean you can’t find affordable car insurance coverage, although insurers may view you as a high-risk driver.
See the table below for average monthly quotes by driving record in Colorado Springs.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $170 |
| Speeding ticket | $224 |
| At-fault accident | $226 |
| DUI | $238 |
Several factors can affect driving in Colorado Springs. Parking in the city is relatively easy, with a mix of parking garages, surface lots, and metered street parking. Parking in garages and surface lots is free on Sundays.
During the warmer months, Colorado Springs drivers will notice an increase in traffic as the area is flooded with tourists who want to drive along the 19-mile Pikes Peak Highway. The scenic highway is open year-round (weather permitting), but it gets so busy between May and September that the city requires timed reservations to drive past mile 7.
June can be especially busy as tourists gather for the annual Pikes Peak International Hill Climb, an invitational automobile hill climb to the summit of Pikes Peak.
In winter, drivers need to be cautious of snowy conditions. The City of Colorado Springs will only plow residential streets once snow accumulation reaches 6 inches, but roads can be dangerous to drive on with as little as 1 inch of snow.
Colorado Springs’ average congestion level in 2025 was 26.5%, with a 10-kilometer commute taking just under 12 minutes. The four-lane section of I-25 between Monument and Castle Rock, known as the I-25 South Gap, can become especially congested during peak commute hours.
This congestion increases the chances of accidents, which in turn affects insurance costs.
Teen drivers in Colorado Springs pay an average of $186 per month for liability car insurance. Colorado teens can get their learner’s permit once they turn 15 and a half, and they’re eligible for a driver’s license at 16.
State law prohibits teens from driving between midnight and 5 a.m., until they’ve held a license for 12 months or they turn 18.
The following data shows the cheapest liability-only rates for teenage drivers in Colorado Springs.
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 | $110 |
| Sun Coast | $129 |
| USAA | $134 |
| The General | $136 |
| Root | $140 |
| American Family | $147 |
| Progressive | $153 |
| GEICO | $157 |
| Bristol West | $163 |
| Mile Auto | $172 |
| Allstate | $174 |
| Nationwide | $185 |
| Auto-Owners | $207 |
| Mendota | $210 |
| Trexis | $216 |
| Dairyland | $228 |
| Safeco | $241 |
| National General | $250 |
| Direct Auto | $258 |
| Farmers | $296 |
| Travelers | $298 |
| Liberty Mutual | $341 |
Check quotes from 120+ top insurance companies
Around 23% of Colorado Springs residents are 60 or older, according to 2024 census data. State Farm and USAA offer the cheapest average rates for senior drivers in Colorado Springs, at $43 and $57 per month, respectively.
The following table shows the cheapest liability-only rates for senior drivers in Colorado Springs.
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 | $43 |
| USAA | $57 |
| Sun Coast | $58 |
| American Family | $60 |
| The General | $62 |
| Mile Auto | $64 |
| Root | $65 |
| GEICO | $67 |
| Progressive | $68 |
| Allstate | $69 |
| Nationwide | $70 |
| Bristol West | $74 |
| Auto-Owners | $78 |
| Mendota | $94 |
| National General | $95 |
| Trexis | $96 |
| Safeco | $101 |
| Direct Auto | $105 |
| Dairyland | $108 |
| Travelers | $111 |
| Farmers | $114 |
| Liberty Mutual | $157 |
Understanding the answers to some common questions about auto insurance in Colorado Springs can help you choose the best car insurance policy for your budget and coverage level needs.
The average cost of liability-only car insurance in Colorado Springs is $101 per month, while full-coverage car insurance costs an average of $239 per month.
Colorado Springs is the second-largest city in the Centennial State after Denver. Higher population density, along with increased accident and theft risk, often means car insurance is pricier than in smaller cities.
State Farm has the lowest average minimum coverage rate in Colorado Springs, at $56 per month for liability-only coverage.
Two of the main factors that affect car insurance costs in Colorado Springs are traffic volume and wildfire risk.
Car insurance in Colorado costs an average of $97 per month for liability coverage and $219 per month for full coverage.
Insurify data scientists analyzed more than 190 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
)
)
)
)
)
)
)
)
)
)
)
)
)
)
16+ years in personal finance and insurance writing
Certified Financial Education Instructor
Catherine Hiles is a freelance writer covering insurance, personal finance, and home improvement. A Certified Financial Education Instructor, Catherine is committed to providing readers with empowerment and insight when facing insurance decisions.
Her work has been published in TIME, The Penny Hoarder, BobVila.com, Tom's Guide, and Angi. She has a bachelor's degree in communication studies from the University of Chester in the United Kingdom. Catherine lives in Ohio with her husband, two children, and two energetic dogs.
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
As Senior Director, Media Relations, for Insurance Information Institute, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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.
)
)
)