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.
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| Insurance Provider in Colorado Springs | |
|---|---|
 State Farm | $106/mo |
 Nationwide | $162/mo |
 Liberty Mutual | $209/mo |
 Travelers | $246/mo |
 The General | $268/mo |
| Best Companies | ||
|---|---|---|
 American Family | $265/mo | |
 Safeco | $249/mo | |
Liberty Mutual | $333/mo | |
Travelers | $213/mo |
See More: Best Car Insurance Companies
| Denver | $216/mo |
| Aurora | $228/mo |
| Fort Collins | $142/mo |
| Arvada | $176/mo |
| Colorado Springs | $215/mo |
| Colorado | $195/mo |
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:
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 Age | |
|---|---|
| teens | $466 |
| 20s | $307 |
| 30s | $230 |
| 40s | $243 |
| 50s | $268 |
| 60s | $184 |
| 70s | $211 |
| 80s | $220 |
| Driving History | |
|---|---|
| No Violation | $256 |
| Speeding Ticket | $283 |
| At-Fault Accident | $292 |
| Failure to Stop for Red Light / Stop Sign | $295 |
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.
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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 Tie | |
|---|---|
| Excellent | $257 |
| Good | $299 |
| Average | $268 |
| Poor | $247 |
See More: Bad Credit Car Insurance Colorado
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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
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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