Car Insurance in Colorado Springs, CO


Providing a fast and stress-free experience when looking for auto insurance in Colorado Springs.





Auto Insurance in Colorado Springs and What You Need to Know



Shopping around for quotes on auto insurance in Colorado Springs from companies is critical if you wish to locate auto insurance in the city. The price of what your acquaintances and friends cover for auto insurance in Colorado Springs will differ based on numerous factors--such as your age, driving, and location history. To help reduce some of your legwork on shopping for auto insurance in Colorado Springs, we've gathered auto insurance rates for you in the city. We've found the cheapest options for many kinds of drivers. We've also listed a couple of crucial factors that affect how much you pay for car insurance from the city.

Percentage increase in Colorado Springs car insurance costs compared to national average

29.02 %

Percentage increase in Colorado Springs car costs compared to average in Colorado

5.6 %

Percentage decrease in Colorado Springs car insurance costs compared to most expensive in Colorado

18.16 %

Full Coverage Car Insurance

Protect yourself, others and your passengers. Discover what driving with complete coverage in Colorado Springs can provide you outside the peace of mind knowing that everything and everybody is protected.

Liability Car Insurance

Meet the insurance requirements for driving in Colorado Springs with a minimum liability auto insurance coverage plan. You're always better off being shielded than not being protected at all.

High Risk Car Insurance

Finding the best high risk car insurance in Colorado Springs can be daunting. We help you weave through the noise so you can get the best car insurance rate in Colorado Springs should you a high risk coverage plan.

Home and Auto Insurance

Bundle your next home and auto insurance coverage in Colorado Springs all into one so you can deal with companies and save. Find out if a house and auto insurance bundle is ideal for you.


Your Driving Record Matters When Getting Auto Insurance in Colorado Springs

We've all seen the story or have been a part of it. You're getting quotes for car insurance in Colorado Springs and looking for the very best deal on an insurance program. You get a fantastic car insurance quote that is affordable and gives all of the coverage choices you're searching for. Afterward the insurance company informs you that the cost of the insurance premium is more significant than you were quoted and comes back. What happened? It might be caused by insurance points. If your driving record from the state's department of motor vehicles comes revealing your car insurance rates in Colorado Springs could be higher than the pricing the insurance provider quoted.


best home and auto insurance Colorado Springs CO

Your Type of Car Plays a Role on Car Insurance Costs in Colorado Springs

For certain sorts of vehicles, you'll find an range of variables that determine how much you will pay for auto insurance in Colorado Springs. The horsepower your vehicle gets, the likelier you face and will speed the danger of a crash. Since cars with power are involved in more accidents, they are more costly to cover. But a SUV could push the purchase price of your auto insurance in Colorado Springs up due to its capability to inflict a substantial amount of harm on other vehicles. If you're seeking to get the most inexpensive car insurance, consider cars in the midsize group, such as sedans SUVs, or minivans. A vehicle's worth weighs significantly on the price. It is ideal to think about lower-priced vehicles in the event you're on the lookout for insurance savings.

Vehicle TypeAnnual Average Cost of Car Insurance
Car2,059.06
Luxury1,899.47
SUV1,753.51
Van1,613.39
Truck1,576.40



best home and auto insurance Colorado Springs CO

Cost of Car Insurance in Colorado Springs by Gender and Marital Status

In several states, gender is no longer a variable that can be used to calculate auto insurance prices. Married couples are more likely to receive a reduced auto insurance rate. Never-married individuals have a greater likelihood of driving accidents than women and men. You might also be given a discounted insurance rate for having a national partner. But that practice is much less prevalent. The simple fact is that married couples are not inclined to enter automobile accidents. There are a variety of theories about why this may be the situation; some sources state married motorists drive less than their counterparts. Sources hypothesize that motorists have less risky and significantly more stable lifestyles compared to singles. Either way, in case you just got married or are married, then you could qualify for a car insurance rates in Colorado Springs.

Where You Live in Colorado Springs Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near Colorado Springs

16 %

Annual savings for car insurance in medium sized cities near Colorado Springs

8 %


The five-digit amount that informs the post office where you live can save or cost you thousands of dollars on car insurance in Colorado Springs. The postings in auto insurance coverage costs by zip code have much related to the crime and little to do with all the manufacturers and models of cars. Cities with high levels of theft claims and injuries see higher insurance premiums because firms lump zip codes that are specific jointly. City drivers always pay. To put it differently, more cars mean more accidents. Zipcodes with roads that are less developed may even see auto insurance rates.

Average Costs of Auto Insurance in Colorado Springs by Types of Coverage


Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision1,436.36
Auto Insurance with Comprehensive Only1,694.90
Auto Insurance with Comprehensive and Collision2,499.25


Your Credit Affects Your Car Insurance Costs

Apart from the kind of automobile and your driving history you drive, your credit rating can affect what you pay for auto insurance in Colorado Springs. Businesses utilize credit-based insurance coverage when deciding the price of your car insurance rates. Studies indicate that using this score helps when someone is likely to get into an accident, insurance is predicted by insurance businesses. A credit-based car insurance coverage makes it possible for insurers to gauge the fairest rate for every single client. So, in the long term, yes, your credit rating can affect your costs on auto insurance in Colorado Springs. Despite the fact that your credit history plays when it comes to pricing your auto insurance, it is important to focus on the items you can control.

Average car insurance rate changes in Colorado Springs based off credit scores.

69 %

Max car insurance rate changes in Colorado Springs based off credit scores

133 %


92 percent of the car insurance companies in Colorado Springs now think about your credit score when calculating how much you will pay for auto insurance.



Colorado Springs Car Insurance Rates by Age

The rates for auto insurance in Colorado Springs vary considerably by age category. This is just because certain age groups are significantly more of a liability to pay than others due to a greater likelihood of injuries and claims that are expensive. The youngest drivers have a tendency exhibit behavior that is more reckless than older drivers and to have the amount of traffic incidents. They're the most expensive to insure as an outcome. Auto insurance prices in Colorado Springs fall off for adults once they start to settle around age since they get more experience and also get into injuries in comparison. This trend continues until drivers reach their seventies, where auto insurance prices begin to grow again. But even though age is one of the most crucial variables that play into the cost of car insurance in Colorado Springs, the impact of age on auto insurance rates could vary wildly from state to state. Overall, however, you will see that the youngest drivers paying the sum for an Colorado Springs auto insurance policy.

best home and auto insurance Colorado Springs CO


Getting the Best Auto Insurance Rates in Colorado Springs


Shopping for and buying auto insurance in Colorado Springs may seem to be experience and an cost. It's one you can do to protect you from financial loss related to automobile theft, a traffic wreck, natural disaster, or another event. None of us wants to invest more than we will need to for getting auto insurance in Colorado Springs, but it is not clear how to secure reduced auto insurance rates. The only way would be to search around. Insurers supply an range of discounts, which may mean lower insurance prices for clients who meet specific requirements or if they are even looking to package their car insurance. Just take the opportunity to analyze the prices across different vendors and compare them before you select which kind of auto insurance in Colorado Springs is ideal for you.