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Colorado Springs Car Insurance

How much does car insurance cost in Colorado Springs, CO? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Colorado Springs?

Colorado Springs sits at the eastern edge of the Rocky Mountains and has an elevation of 6,035 feet. It is located near Pikes Peak, a popular spot for hiking and climbing, which can be accessed using the Pikes Peak Cog Railway. Closer to the city, the Garden of the Gods Visitor and Nature Center offers 1,300 acres of sandstone formations and mountain views for visitors to see as they hike. There is also the Cheyenne Mountain Zoo where you can feed the giraffes. Museums abound in Colorado Springs, including the Ghost Town Museum, Pro Rodeo Hall of Fame, the Colorado Springs Pioneers Museum, the Western Museum of Mining and Industry and Peterson Air and Space Museum. If you love waterfalls you'll have to see the Broadmoor Seven Falls, which features a series of seven cascading waterfalls. And if you love camping, you'll want to check Cheyenne Mountain State Park.

There are buses that travel through Colorado Springs but nothing beats seeing the city in your own car. Would you like lower auto insurance rates? Comparing insurance rates from several insurance providers will help you find a lower rate. SmartFinancial can help you by comparing rates from 200 insurance providers. All you need to do is fill out a simple form.

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 $121.99 per month compared to the national average of $135.64 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.

AreaAverage Monthly Rate
National $135.64
Colorado $113.42
Colorado Springs, Colorado $121.99

Colorado Springs, CO Best Car Insurance Companies

car insurance in Colorado Springs

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 $96.39 per month. Other companies to consider if you live in Colorado Springs is State Farm with an average cost of $134.37 per month and Auto-Owners Insurance Co which typically runs around $146.53 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Colorado Springs.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $96.39-15.01%
2 State Farm $134.3718.47%
3 Auto-Owners Insurance Co $146.5329.19%
4 Allstate $157.6739.01%
5 Nationwide $174.7954.11%
6 Esurance $177.7956.75%
7 Colorado Farm Bureau Mutual $182.1160.56%
8 American Family $182.4960.90%
9 Metropolitan $190.2167.71%
10 National Farmers Union P&C $197.1173.79%

How Much is Car Insurance in Colorado Springs, CO?

how much is auto insurance in Colorado Springs

Rates can vary from city to city. The residents of Aurora typically pay $125.45 per month while people who live in Boulder will pay $102.55 per month on average. See what people pay for car insurance in other cities in Colorado.

Colorado CitiesMonthly Average Rate
Aurora $125.45
Boulder $102.55
Colorado Springs $121.99
Denver $122.88
Littleton $109.69

Cheap Car Insurance in Colorado Springs by Zip Codes

find cheap auto insurance in Colorado Springs

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.

Colorado Springs, CO ZIP CodeAverage Monthly Rate
80902$165.10
80903$98.31
80904$107.09
80905$99.69
80906$122.45
80907$110.11
80908$125.31
80909$110.75
80910$125.52
80911$109.23
80913$197.82
80914$242.98
80915$117.20
80916$137.27
80917$100.92
80918$119.05
80919$96.75
80920$118.30
80921$160.85
80922$123.58
80923$126.65
80924$177.60
80925$155.63
80926$131.74
80927$163.02
80930$96.05
80932$166.33
80935$68.58
80938$124.32
80946$43.75
80949$58.58
80951$88.60

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 $235.93 per month in Colorado Springs. Compare that to drivers in their 30’s who typically pay around $108.60 per month drivers in their 40s at $92.73 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.

Age GroupAverage Monthly Rate
16-19$235.93
20s$150.42
30s$108.60
40s$92.73
50s$82.00
60s$86.82
70+$106.78

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, USAA typically charges around $173.78 per month. This is likely the most affordable option in Colorado Springs. You might also want to consider Safe Auto and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$173.78
Safe Auto$261.83
State Farm$266.20
Auto-Owners Insurance Co$273.29
Allstate$291.86

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 $118.97 per month. State Farm, Allstate , Auto-Owners Insurance Co and Esurance are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$118.97
State Farm$169.25
Allstate$183.14
Auto-Owners Insurance Co$187.27
Esurance$222.84

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 $78.71 per month, followed by State Farm at $105.87 and Auto-Owners Insurance Co at $112.80.

CompanyAverage Monthly Rate
USAA$78.71
State Farm$105.87
Auto-Owners Insurance Co$112.80
Esurance$125.00
Nationwide$132.97

Cheapest Insurance for 40 Year-olds in Colorado Springs

On average, USAA offers car insurance for 40 year-olds in Colorado Springs for around $74.10 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Auto-Owners Insurance Co. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$74.10
State Farm$101.52
Auto-Owners Insurance Co$105.28
SAFECO$114.09
Metropolitan$115.33

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 USAA generally offers the most affordable coverage at $67.60 per month.

CompanyAverage Monthly Rate
USAA$67.60
State Farm$92.69
Auto-Owners Insurance Co$95.13
Nationwide$105.87
Metropolitan$107.34

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 USAA usually has the best rates at $65.86 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$65.86
State Farm$86.76
SAFECO$98.68
Auto-Owners Insurance Co$99.30
Metropolitan$100.56

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

driver's coverage

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 $112.99 while drivers who are not currently covered will pay around $137.58.

CoverageAverage Monthly Rate
Not Currently Insured $137.58
Currently Insured $112.99

Compare Recent Car Insurance Quotes in Colorado Springs

auto insurance quotes in Colorado Springs city

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 2007 Chevrolet Trailblazer can expect to pay around $95.62 per month while someone that owns a 2016 Buick Encore may pay around $132.65 per month. Check out the list of recent quotes in Colorado Springs below.

VehicleAverage Monthly Rate
2007 Chevrolet Trailblazer$95.62
2016 Buick Encore$132.65
2003 Ford Expedition$71.97
2009 Nissan Cube$85.67
2007 Mazda 3$179.52
2005 Toyota Corolla Matrix$94.05
2015 Buick Encore$105.33
2017 Nissan Rogue$261.83
2004 Hyundai Tiburon$138.17
2018 Chevrolet Cruze$153.75

FAQ's for Drivers in Colorado Springs, CO

driver’s frequently asked question in Colorado Springs

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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Commute Time in Colorado Springs, CO

21.8 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Colorado Springs, CO

186

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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