Compare Colorado Springs, CO Car Insurance Rates (2021)

Car insurance in Colorado Springs, CO averages $342 a month. Colorado Springs, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Colorado Springs car insurance rates, compare quotes from the top car insurance companies in Colorado Springs, CO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Colorado Springs for teen drivers is Liberty Mutual
  • The cheapest car insurance company in Colorado Springs is Liberty Mutual
  • Average car insurance rates in Colorado Springs, CO are $4,103/year

If you need to buy Colorado Springs, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Colorado Springs, CO is right here.

You’ll find Colorado Springs car insurance rates, the cheapest Colorado Springs, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Colorado Springs, Colorado car insurance rates to Boulder car insurance rates, Lakewood car insurance rates, and Colorado Springs car insurance rates.

Ready to find affordable Colorado Springs, CO car insurance today? Enter your ZIP code for fast, free Colorado Springs car insurance quotes.

Cheapest Colorado Springs, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Colorado Springs, CO car insurance rates? Every Colorado Springs, Colorado car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Colorado Springs, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,541 $3,315 $3,201 $3,232 $12,298 $12,913 $3,886 $3,898
American Family $2,587 $2,587 $2,332 $2,332 $6,278 $8,434 $2,587 $3,168
Farmers $3,397 $3,363 $3,082 $3,337 $12,860 $12,898 $3,715 $3,729
GEICO $2,216 $2,424 $2,368 $2,707 $6,966 $7,340 $2,023 $2,045
Liberty Mutual $1,833 $1,750 $1,573 $1,735 $5,718 $6,223 $1,844 $1,836
Nationwide $2,534 $2,576 $2,271 $2,396 $6,399 $8,169 $2,915 $3,144
Progressive $2,661 $2,488 $2,343 $2,330 $9,242 $10,317 $2,991 $2,901
State Farm $2,239 $2,239 $2,037 $2,037 $6,657 $8,403 $2,514 $2,975
USAA $2,245 $2,233 $2,151 $2,147 $5,709 $6,534 $2,885 $3,129

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Minimum Car Insurance in Colorado Springs, CO

Every driver must carry the minimum car insurance in Colorado Springs, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car Insurance Coverage in Colorado Springs, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Colorado Springs, CO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Colorado Springs, CO. Compare credit history car insurance rates in Colorado Springs from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Colorado Springs, Colorado

Insurance Company Poor Fair Good
Allstate $7,394 $5,682 $4,281
American Family $4,920 $3,504 $2,940
Farmers $6,746 $5,461 $5,187
GEICO $4,226 $3,511 $2,796
Liberty Mutual $4,010 $2,470 $1,963
Nationwide $4,595 $3,638 $3,168
Progressive $5,017 $4,283 $3,928
State Farm $5,043 $3,248 $2,622
USAA $4,987 $2,857 $2,294

Cheapest Colorado Springs, CO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Colorado Springs, CO to rates for a clean record with top companies.

Annual Colorado Springs, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,933 $5,679 $6,941 $5,589
American Family $2,802 $3,971 $5,203 $3,177
Farmers $4,896 $6,299 $6,215 $5,780
GEICO $2,466 $3,861 $4,493 $3,224
Liberty Mutual $2,473 $2,894 $2,984 $2,906
Nationwide $2,930 $3,994 $5,057 $3,221
Progressive $3,804 $5,383 $4,015 $4,435
State Farm $3,330 $3,945 $3,638 $3,638
USAA $2,463 $3,015 $5,263 $2,776

Cheapest Colorado Springs, CO Car Insurance for Teen Drivers

Teen car insurance in Colorado Springs, CO can be expensive. Take a look at rates from the top car insurance companies in Colorado Springs for teenagers.

Annual Car Insurance Rates for Teen Drivers in Colorado Springs, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,298 $12,913
American Family $6,278 $8,434
Farmers $12,860 $12,898
GEICO $6,966 $7,340
Liberty Mutual $5,718 $6,223
Nationwide $6,399 $8,169
Progressive $9,242 $10,317
State Farm $6,657 $8,403
USAA $5,709 $6,534

Cheapest Colorado Springs, CO Car Insurance for Seniors

Take a look at Colorado Springs, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Colorado Springs, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,201 $3,232
American Family $2,332 $2,332
Farmers $3,082 $3,337
GEICO $2,368 $2,707
Liberty Mutual $1,573 $1,735
Nationwide $2,271 $2,396
Progressive $2,343 $2,330
State Farm $2,037 $2,037
USAA $2,151 $2,147

Cheapest Colorado Springs, CO Car Insurance Rates After a DUI

A DUI in Colorado Springs, CO increases car insurance rates. Compare Colorado Springs, Colorado DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Colorado Springs, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,941
American Family $5,203
Farmers $6,215
GEICO $4,493
Liberty Mutual $2,984
Nationwide $5,057
Progressive $4,015
State Farm $3,638
USAA $5,263

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Cheapest Colorado Springs, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Colorado Springs, CO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Colorado Springs, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,786 $5,786
American Family $3,706 $3,870
Farmers $5,798 $5,798
GEICO $3,436 $3,586
Liberty Mutual $2,814 $2,814
Nationwide $3,800 $3,800
Progressive $4,409 $4,409
State Farm $3,546 $3,729
USAA $3,283 $3,475

Cheapest Colorado Springs, CO Car Insurance Rates by ZIP Code

Colorado Springs car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Colorado Springs, CO.

Annual Car Insurance Rates by ZIP Code in Colorado Springs, Colorado

ZIP Code Average Annual Rates
80902 $3,844
80903 $3,876
80904 $3,716
80905 $3,841
80906 $3,787
80907 $3,654
80909 $3,847
80910 $3,968
80912 $3,810
80916 $4,028
80917 $3,806
80918 $3,729
80919 $3,617
80920 $3,583
80921 $3,632
80922 $3,734
80923 $3,696
80924 $3,696
80925 $3,781
80926 $3,814
80927 $3,828
80928 $3,891
80929 $3,904
80930 $3,915
80938 $3,787
80939 $3,780
80946 $3,806
80951 $3,792

The Best Cheap Car Insurance Companies in Colorado Springs, CO

Take a look at a side-by-side comparison of the top car insurance companies in Colorado Springs, CO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Colorado Springs, Colorado

Insurance Company Average Annual Rates
Allstate $5,786
American Family $3,788
Farmers $5,798
GEICO $3,511
Liberty Mutual $2,814
Nationwide $3,800
Progressive $4,409
State Farm $3,638
USAA $3,379

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Category Winners: Cheapest Car Insurance in Colorado Springs, Colorado

Find the cheapest car insurance companies in Colorado Springs, CO for each category right here.

Best Annual Car Insurance Rates by Company in Colorado Springs, Colorado

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record USAA
With 1 Accident Liberty Mutual
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

Cheapest Colorado Springs, CO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Colorado Springs car insurance rates. Find the cheapest Colorado Springs, CO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Colorado Springs, Colorado

Insurance Company Low Medium High
Allstate $5,422 $5,762 $6,172
American Family $3,586 $3,866 $3,912
Farmers $5,037 $5,710 $6,646
GEICO $3,108 $3,435 $3,990
Liberty Mutual $2,623 $2,801 $3,018
Nationwide $3,767 $3,801 $3,833
Progressive $4,005 $4,425 $4,798
State Farm $3,352 $3,640 $3,920
USAA $3,213 $3,380 $3,545

What affects car insurance rates in Colorado Springs, Colorado?

What factors can have an impact on Colorado Springs, CO car insurance? There are several reasons why Colorado Springs car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Colorado Springs, Colorado.

Commute Time in Colorado Springs

The more time you spend in your car the higher the risk of an accident. The average commute length in Colorado Springs, CO is 22.7 minutes according to City-Data.

Traffic in Colorado Springs

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Colorado Springs, CO traffic data from INRIX ranks Colorado Springs as the 536th-most congested in the world.

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Compare Car Insurance Quotes in Colorado Springs, CO

Ready to find affordable Colorado Springs, Colorado car insurance today? Enter your ZIP code for fast, free Colorado Springs, CO car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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