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Get Cheap Car Insurance in Colorado Springs, CO
We monitor insurance prices, helping the average driver in the Colorado Springs area save up to 30.1% on car insurance.
The Cheapest Minimum Coverage in Colorado Springs
The chart below shows the cheapest car insurance company in Colorado Springs for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Bristol West, Safeco Insurance, and Geico.
| Colorado Springs Insurer | Monthly Cost |
|---|---|
| State Farm | $66 |
| Bristol West | $78 |
| Safeco Insurance | $79 |
| Geico | $81 |
Savings for Every Kind of Colorado Springs Driver
Based on our extensive insurance data, we know the average Colorado Springs driver will save about 21% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $413 per year by choosing the right vehicle insurance company. Some Colorado Springs residents are paying out over $1,929 extra every year for auto insurance in Colorado Springs. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Colorado Springs, CO Savings / Yr. |
|---|---|
$413 |
|
$737 |
|
$593 |
|
$634 |
|
$1,876 |
|
$497 |
|
$728 |
Colorado Springs Car Insurance vs. Colorado
People living in Colorado Springs pay an average of 2.07% more than the typical driver in the state. The average driver in Colorado Springs can expect to pay about $1,127 per year, or $1,929 for full coverage.
Based on our analysis, Auto-Owners Insurance will be the cheapest provider in Colorado Springs for most people.
Car Insurance Prices by Colorado Springs Neighborhood
Insurance Prices
Where is insurance cheapest within Colorado Springs?
The map shows insurance prices in and around Colorado Springs, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $406 per year within the city boundaries, with insurance premiums ranging from a high of $2,160 to a low of $1,754. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the West parts of Colorado Springs.Pick the Best Car Insurance Company for You in Colorado Springs
The best car insurance provider for most drivers in Colorado Springs
For drivers with clean driving records and no major strikes, Auto-Owners Insurance is the best option, with annual savings of $413 over the average Colorado Springs car insurance company.
The best car insurance provider for Colorado Springs drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $737 over the competition.
The best car insurance company for Colorado Springs drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $593 better than other car insurance companies.
The best auto insurance for Colorado Springs drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $634 less each year.
The least expensive car insurance company for new and young drivers in Colorado Springs
In Colorado Springs, State Farm costs young drivers $1,876 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Colorado Springs
State Farm gave the largest car insurance discounts to married couples, averaging $497 saved each year compared to an average Colorado Springs couple's premiums.
The cheapest car insurance in Colorado Springs for drivers with bad credit
The best Colorado Springs car insurance company for customer service
Nationwide was the best company for customer service in Colorado Springs according to the NAIC.
Recent price drops
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The cheapest large national provider in Colorado Springs
For customers who prefer to work with large national providers, we recommend Travelers for pricing. The average Colorado Springs driver can expect to pay about $128 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Colorado Springs, USAA has the best prices for drivers with speeding tickets, drivers with a DUI conviction, married couples, young drivers, good drivers, drivers with bad credit, and drivers with accidents.Auto Insurance Prices in and Around Colorado Springs
What Influences the Cost of Car Insurance in Colorado Springs?
On average, car insurance in Colorado Springs is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in the Colorado Springs area is 29 minutes, which is about the national average for a driver in the state.
- Colorado state insurance regulations may require higher prices.
- An average of 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in the Colorado Springs area are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- Colorado Springs is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Colorado Springs is $94 per month for minimum coverage and $161 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Cimarron Hills: Insurance costs 4.56% more
- Stratmoor: Insurance costs 1.14% more
- Manitou Springs: Insurance costs 2.64% less
- Air Force Academy: Insurance costs 2.75% more
- Security-Widefield: Insurance costs 5.13% more
- Fort Carson: Insurance costs 1.50% more
- Cascade: Insurance costs 0.26% less
- Gleneagle: Insurance costs 2.23% less
- Peyton: Insurance costs 0.98% more
- Ivywild: Insurance costs 1.92% less
Cities with Similar Populations
- Macon: Insurance costs 3.01% less
- Lynchburg: Insurance costs 38.31% less
- Manhattan: Insurance costs 65.42% more
- Madison: Insurance costs 40.85% less
- Jackson: Insurance costs 6.74% less
- Kansas City: Insurance costs 3.16% less
- Kansas City: Insurance costs 9.75% less
- Kalamazoo: Insurance costs 50.96% more
- Humble: Insurance costs 2.70% less
- Huntsville: Insurance costs 18.40% less