Cheapest Auto Insurance in Colorado Springs, Colorado (2025)

State Farm offers the cheapest car insurance in Colorado Springs, with minimum-coverage policies as low as $79 per month.

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Cheapest recent rates near Colorado Springs, Colorado

Recent Colorado Springs, Colorado car insurance prices for KIA, Jeep, Toyota , and more.

*Quotes generated for Insurify users in and around Colorado Springs, Colorado within the last 10 days. Last updated on July 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 1, 2025. 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 July 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Colorado Springs drivers pay an overall average of $161 per month for car insurance, which is higher than the Colorado state average of $156. 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.

Quick Facts
  • Colorado Springs drivers pay a monthly average of $220 for full-coverage car insurance and $103 for liability-only coverage.

  • State Farm, Progressive, and Sun Coast are among the cheapest insurers in Colorado Springs, each with rates well below the city average.

  • Colorado Springs drivers pay a yearly average of $2,640 for full-coverage car insurance.

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.

State Farm logo
USAA logo
American Family logo
GEICO logo
Nationwide logo
Progressive logo
Average price
Prices based on average across state-minimum and full coverage car insurance
$93/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$120/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$129/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
$155/mo*
Average price
Prices based on average across state-minimum and full coverage car insurance
$119/mo*
Overall rating
4.1
Overall rating
4.9
Overall rating
4.5
Overall rating
4.0
Overall rating
4.3
Overall rating
3.3
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
4.1/5
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
3.5/5
Special highlight
AI-generated from 6041 user reviews
Customer service
Special highlight
AI-generated from 1192 user reviews
Members of the military community
Special highlight
AI-generated from 237 user reviews
Outstanding customer service
Special highlight
AI-generated from 6431 user reviews
Teen drivers
Special highlight
AI-generated from 485 user reviews
Usage-based savings
Special highlight
AI-generated from 6912 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

User Reviews
4.1
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.
$79/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.
$114/mo
4.1
Best choiceBased on 11,260 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 (6,041)

Steven

June 30, 2025

Verified Review

Happy but Broke Now

State Farm is a great company that comes at a premium.

Tammi

June 29, 2025

Verified Review

State Farm is financially greedy

State Farm is ridiculously expensive!

Dorothy

June 28, 2025

Verified Review

State Farm for the average person

My agent is exceptional!
See all State Farm reviews
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

User Reviews
4.0
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.
$128/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.
$179/mo
4.0
Best choiceBased on 11,987 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 (6,431)

Deejane

June 30, 2025

Verified Review

Geico Forever

All good for over 50 years.

Joshua

June 30, 2025

Verified Review

GEICO has the best rates

Thank you for your service.

Amanda

June 28, 2025

Verified Review

GEICO

GEICO has the best rate for the coverage I need. Their customer service can be hit or miss, but for the most part, it has been good.
See all GEICO reviews
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

User Reviews
4.9
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.
$102/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.
$147/mo
4.9
Best choiceBased on 2,100 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 (1,192)

John

June 17, 2025

Verified Review

USAA Critique

High exposure in the South and East leads to higher premiums. They do have a SafePilot program, which I use. They also have a cashback program, which I use.

Marlon

June 15, 2025

Verified Review

Don't let them hook you

Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.

Timothy

June 10, 2025

Verified Review

The Old Bait and Switch

There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
See all USAA reviews
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 $79 per month

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $103 per month. Check out liability quotes in the table below.

The below rates are estimated rates current as of: Tuesday, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$79
Progressive$81
Sun Coast$84
Root$84
Bristol West$89
The General$90
USAA$102
American Family$109
Safeco$120
Allstate$123
GEICO$128
Nationwide$131
Direct Auto$137
Auto-Owners$140
Dairyland$141
National General$153
Travelers$197
Farmers$207
Liberty Mutual$225
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 $220 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, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Average Monthly Quote
sort ascsort desc
State Farm$114
USAA$147
American Family$158
Progressive$165
Root$169
Allstate$177
GEICO$179
Nationwide$190
Auto-Owners$204
Safeco$212
Bristol West$212
The General$224
Sun Coast$235
Travelers$287
Direct Auto$296
Farmers$300
National General$303
Dairyland$329
Liberty Mutual$333
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 recent rates near Colorado Springs, Colorado

Recent Colorado Springs, Colorado car insurance prices for KIA, Hyundai, Infiniti , and more.

*Quotes generated for Insurify users in and around Colorado Springs, Colorado within the last 10 days. Last updated on July 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 1, 2025. 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 July 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.

Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 1, 2025. 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
sort ascsort desc
Minimum Requirements
sort ascsort desc
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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance pays for repairs to your vehicle after a non-collision event, such as fire, severe weather, or theft.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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 $89 for drivers with an incident

Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Shopper Approved
ProgressiveLiberty MutualAllstate

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 $264 per month for full coverage and $124 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, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Speeding Ticket
sort ascsort desc
State Farm$79$94
Progressive$81$98
Sun Coast$84$101
Root$84$109
Bristol West$89$109
The General$90$115
USAA$102$123
American Family$109$133
Safeco$120$149
Allstate$123$148
GEICO$128$154
Nationwide$131$160
Direct Auto$137$167
Auto-Owners$140$171
Dairyland$141$171
National General$153$185
Travelers$197$241
Farmers$207$251
Liberty Mutual$225$280
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: 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 $123 per month. Full coverage averages $262 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, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Clean Driving Record
sort ascsort desc
With Accident
sort ascsort desc
State Farm$79$96
Progressive$81$102
Sun Coast$84$100
Root$84$106
Bristol West$89$110
The General$90$115
USAA$102$125
American Family$109$135
Safeco$120$156
Allstate$123$151
GEICO$128$152
Nationwide$131$162
Direct Auto$137$173
Auto-Owners$140$172
Dairyland$141$173
National General$153$186
Travelers$197$244
Farmers$207$255
Liberty Mutual$225$281
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.
How Long Does an Accident Affect Your Car Insurance Rates?

How Long Does an Accident Affect Your Car Insurance Rates?

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 $354 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, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Clean Driving Record
sort ascsort desc
With DUI
sort ascsort desc
State Farm$79$122
Progressive$81$125
Sun Coast$84$135
Root$84$129
Bristol West$89$137
The General$90$139
USAA$102$157
American Family$109$168
Safeco$120$192
Allstate$123$189
GEICO$128$206
Nationwide$131$202
Direct Auto$137$211
Auto-Owners$140$216
Dairyland$141$217
National General$153$236
Travelers$197$303
Farmers$207$319
Liberty Mutual$225$347
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: Progressive

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, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$87$60
USAA$115$80
Progressive$117$58
American Family$123$85
Nationwide$140$96
Allstate$140$97
Root$140$70
GEICO$146$104
Auto-Owners$160$110
Bristol West$169$71
The General$176$71
Safeco$180$102
Sun Coast$191$68
Travelers$220$151
Direct Auto$227$105
National General$227$115
Farmers$230$159
Dairyland$261$112
Liberty Mutual$272$184
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: Root

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 $181 per month for liability-only coverage and $386 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, July 1 at 12:00 PM PDT
Data reviewed by Konstantin Halachev
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
State Farm$209$145
USAA$261$181
Root$280$139
American Family$285$196
Progressive$295$145
GEICO$314$225
Allstate$337$234
Auto-Owners$354$243
Nationwide$356$245
Bristol West$370$155
The General$372$149
Sun Coast$412$147
Safeco$424$240
Dairyland$533$228
Travelers$547$376
Farmers$550$380
Direct Auto$569$263
Liberty Mutual$583$394
National General$603$305
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.

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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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Is car insurance more expensive in Colorado Springs?

Colorado Springs drivers pay an overall average of $161 per month for car insurance, which is similar to the national average price for car insurance of $151 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
sort ascsort desc
Full Coverage
sort ascsort desc
Liability Only
sort ascsort desc
Arvada$201$102
Aurora$251$126
Boulder$166$92
Broomfield$204$100
Denver$232$112
Fort Collins$179$84
Greeley$197$87
Pueblo$214$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.

Colorado Springs car insurance FAQs

If you’re shopping for car insurance in Colorado Springs, this additional information may help as you compare coverage options. You can also check out Insurify’s guide on how much car insurance you need.

  • How much is car insurance in Colorado Springs?

    Car insurance in Colorado Springs costs $220 per month for full-coverage insurance and $103 per month for liability-only coverage, according to Insurify data.

  • What are the best car insurance companies in Colorado Springs?

    The best car insurance company in Colorado Springs is State Farm, with an A++ (Superior) financial strength rating from AM Best, affordable rates, and a high Insurify Quality (IQ) Score of 9.3 out of 5. Other top insurers include GEICO, USAA, and American Family.

  • What are the cheapest car insurance companies in Colorado Springs?

    State Farm is the cheapest car insurance company in Colorado spring, with rates that start at $79 per month for liability-only coverage. Progressive and Sun Coast also offer affordable car insurance in Colorado Springs, with liability rates that start at $81 and $84, respectively.

  • How much car insurance do you need in Colorado?

    Colorado drivers are required to carry $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $15,000 per accident in property damage liability coverage. If you’re caught driving without proof of insurance, you could face a fine, suspension of your driver’s license and registration, and mandatory community service.

  • Do you need a car to get around Colorado Springs?

    It’s easiest to get around Colorado Springs in a car. But if you don’t have a car, the Mountain Metro Transit has more than 40 different bus routes around the city.

Methodology

Insurify data scientists analyzed more than 90 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:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Insurance Information Institute. "How to save money on car insurance."
  2. Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
  3. Nolo.com. "Colorado Car Insurance Laws and Requirements."
  4. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  5. Insurance Information Institute. "What determines the price of an auto insurance policy?."
A.M. Steinbach
A.M. SteinbachInsurance Writer

A.M. is a Brooklyn-based writer, editor, and content marketing strategist who's worked with major brands in insurance, tech, finance, and healthcare. He also contributes to The Average Joe, a personal finance newsletter that reaches over 250,000 daily readers. Since 2019, he's written for Insurify, breaking down a diverse range of insurance topics into crisp, readable prose.

A.M. has been a contributor at Insurify since December 2022.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 7+ years in content creation and management

  • 5+ years in insurance and personal finance content

Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.

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Mark Friedlander
Reviewed byMark FriedlanderSenior Director, Media Relations, Triple-I
Mark Friedlander
Mark FriedlanderSenior Director, Media Relations, Triple-I
  • Corporate communications director for Insurance Information Institute

  • 20+ years in insurance and communications

As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.

Konstantin Halachev
Data reviewed byKonstantin HalachevVP of Engineering & Data Science
Headshot of Konstantin Halachev, VP of Engineering at Insurify
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.

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