Colorado Springs Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Colorado has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Colorado Springs typically pay around $166.20 per month compared to the national average of $167.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Colorado Springs, CO Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Colorado Springs coming in around $125.59 per month. Other companies to consider if you live in Colorado Springs is State Farm with an average cost of $126.14 per month and Colorado Farm Bureau Mutual which typically runs around $145.76 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Colorado Springs.

How Much is Car Insurance in Colorado Springs, CO?

Rates can vary from city to city. The residents of Arvada typically pay $134.14 per month while people who live in Aurora will pay $175.32 per month on average. See what people pay for car insurance in other cities in Colorado.

Cheap Car Insurance in Colorado Springs by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Colorado. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Colorado Springs

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $154.39 per month in Colorado Springs. Compare that to drivers in their 30’s who typically pay around $142.92 per month drivers in their 40s at $129.46 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Colorado Springs

If you are teen in Colorado Springs you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Colorado Farm Bureau Mutual typically charges around $193.80 per month. This is likely the most affordable option in Colorado Springs. You might also want to consider USAA and State Farm who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Colorado Springs

20 year-olds in Colorado Springs might want to consider USAA who, on average, offers car insurance rates around $152.35 per month. State Farm , Colorado Farm Bureau Mutual , Allstate and National Farmers Union P&C are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Colorado Springs

If you are in your 30s in Colorado Springs our research has found that USAA typically has the most affordable coverage coming in around $114.37 per month, followed by State Farm at $116.89 and Colorado Farm Bureau Mutual at $133.69.

Cheapest Insurance for 40 Year-olds in Colorado Springs

On average, USAA offers car insurance for 40 year-olds in Colorado Springs for around $114.46 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Colorado Farm Bureau Mutual. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Colorado Springs

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Colorado Springs we found that Dairyland Realtime generally offers the most affordable coverage at $57.34 per month.

Cheapest Insurance for 60 Year-olds in Colorado Springs

If you live in Colorado Springs and you’re in your 60s, our data indicates that State Farm usually has the best rates at $96.59 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Colorado Springs, CO

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Colorado Springs, the average monthly rate for a driver who is currently insured is $161.64 while drivers who are not currently covered will pay around $175.36.

Compare Recent Car Insurance Quotes in Colorado Springs

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Colorado Springs a driver of a 2018 Audi Q3 can expect to pay around $207.28 per month while someone that owns a 2005 Toyota Avalon may pay around $97.65 per month. Check out the list of recent quotes in Colorado Springs below.

FAQ's for Drivers in Colorado Springs, CO

Colorado Springs Auto Insurance Requirements

You are required to have auto liability insurance coverage in Colorado Springs.

What is the Minimum Amount of Liability Coverage Requirement in Colorado Springs?

• $25,000 bodily injury liability coverage per person.
• $50,000 bodily injury liability coverage per accident
• $15,000 property damage

What Is the Blood Alcohol Concentration (BAC) Limit in Colorado Springs?

The legal blood alcohol content (BAC) level limit is .08% in Colorado. If you have a BAC level limit of .08% or higher and you are behind the wheel of a motor vehicle, you could be convicted of a DUI. In Colorado, you could face jail time of five days to one year, a fine of $600 to $1,000, 48 hours to 96 hours of community service and a license revocation of nine months.

With a DUI on your driving record, you will see your car insurance rates go up. Just how high the rate climbs depends on the insurance company. Some insurers raise rates higher than others. SmartFinancial can help you find auto insurance companies with lower insurance rates for drivers with DUI convictions.

Can I Register My Car Without Insurance in Colorado Springs?

When the vehicle registration on a car is valid, your liability insurance coverage must be current. This is true even if you do not use the car. The insurance must be issued by an insurance company authorized by the Colorado Division of Insurance and certified by the Colorado State DMV. And there's more. The insurance for your car must be issued in the name of the vehicle registrant.

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