Cheap Auto Insurance Quotes in Colorado Springs, CO (2021)

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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Cheapest Car Insurance in Colorado Springs, CO

Here are the cheapest carriers in Colorado Springs for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Colorado Springs. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

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Colorado Springs, CO Driving Facts

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

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.

Driver's AgeAvg. Monthly Cost
teens$466
20s$307
30s$230
40s$243
50s$268
60s$184
70s$211
80s$220
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$257
Good$299
Average$268
Poor$247

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.

Conclusion: 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

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Colorado Springs stacks up for the state of Colorado:

honda
Honda Civic
Most Popular Car in
Colorado Springs, CO
suspended licenses
#14
Cities with Most
Suspended Licenses Rank
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.


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.