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Cheapest car insurance in Colorado Springs, Colorado (Jun 2024)

The average Colorado Springs driver pays $80 per month for state minimum liability coverage and $223 per month for full coverage insurance.
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Liz Jenson
Expert Insurance Writer
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Maria Cruz, Expert Insurance Writer & Editor

Best car insurance companies in Colorado Springs

No single provider has the best
car insurance quotes
for every motorist—drivers’ profiles come in all shapes and sizes, and so do their insurance rates.
State Farm, Progressive, USAA, and GEICO hold the biggest market shares in Colorado, but Jerry conducted one of the largest insurance surveys in the nation to learn more about what companies truly stand out in Colorado. 
We discovered that insurance providers like Travelers, Clearcover, and Dairyland in Colorado Springs ranked well for both affordability and customer satisfaction. Have a look at how Jerry users rated various providers on a scale of 0 to 5.
Insurance company
Monthly minimum coverage cost
Monthly full coverage cost
Cost rating
Overall Jerry rating
Clearcover
$48
$127
N/A
4.6
$66
$202
4.2
4.5
$68
$177
4.7
4.8
$69
$305
4.3
4.4
$113
$346
4.5
4.7
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How'd we get these scores?

Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.

Cheapest car insurance quotes in Colorado Springs

In Colorado Springs, the average driver pays $80 per month for state minimum liability coverage and $223 per month for full coverage insurance. Car insurance in Colorado Springs is about 26% more expensive than the state average.
Coverage type
Colorado Springs, CO
Colorado
United States
State minimum
$80
$60
$77
Full coverage
$223
$181
$165
However, rates are highly personalized. Each driver comes with their own unique profile, meaning quotes can vastly differ—even if you’re in the same city. That’s why
Colorado
drivers turn to Jerry, an insurance broker that helps drivers
compare and purchase affordable car insurance
in minutes.

Best cheap car insurance quotes in Colorado Springs

Before you get behind the wheel in Colorado, all drivers must carry the bare minimum insurance set by the state. While state minimum coverage is cheaper, you may find that it could leave you vulnerable down the road.

Cheap minimum liability insurance quotes in Colorado Springs

All Colorado drivers must carry the state mandated insurance requirements. This includes at least $25,000 per person, $50,000 per accident1, and $15,000
property damage liability coverage
—more commonly referred to as 25/50/15 coverage.
There are trusted auto insurance companies you can turn to in the city for affordable coverage.
Insurance company
Monthly minimum coverage cost
Clearcover
$48
$66
$68

Do you need more than minimum coverage in Colorado Springs?

State minimum liability insurance is cheaper up front, but could wind up costing you more down the line.
If you get into an at-fault accident resulting in medical bills, repairs, or vehicle replacement, your coverage might not be enough. A totaled vehicle in Colorado could cost well over $50,000 to replace, and medical bills can quickly surpass your $25,000 limit in a serious accident.
Additionally, drivers can file personal injury lawsuits up to three years after an accident under
Colorado car accident laws
—meaning you could pay years after a crash.
For a more secure policy, consider upgrading your liability coverage limits to 50/100/50 or even 100/300/100 liability coverage. For even more protection, consider opting for full coverage.
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Expert Insight

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VP Insurance Operations, 18+ Years Experience in Insurance
A general rule that I recommend is to carry enough coverage to protect your current and future assets – at least $100,000/$300,000 of liability coverage is recommended, but you may need more coverage depending on your financial situation.

Cheap full coverage car insurance quotes in Colorado Springs

If you truly want to protect yourself and your wallet, you’ll need to purchase
full coverage car insurance
.
On top of your liability coverage, full coverage insurance includes:
  • Comprehensive coverage
    , which pays for vehicle repair or replacement if it’s been damaged outside of a collision, such as a natural disaster, vandalism, or theft.
  • Collision coverage
    , which pays for vehicle repair or replacement after a collision with another vehicle or a stationary object.
Full coverage isn’t required by law, but drivers with a
car loan
will typically be required by their lender to purchase full coverage insurance.
Of course, knowing where to turn for affordable full coverage policies is just as important as having one.
Insurance company
Monthly full coverage cost
Clearcover
$127
$144
$150
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Average cost of car insurance in Colorado Springs

The average driver in Colorado Springs pays $80 per month, or $956 per year, for state minimum liability coverage. For full coverage, drivers pay an average of $223 per month or $2,676 per year.
These costs are higher than both the state and national averages—and there are a few reasons as to why.
  • Population: Colorado Springs has the second highest population of all cities in the state, totaling over 486,000 people.2 More people in a city means a greater chance for accidents, theft, and road congestion—all factors providers consider when determining your rates.
  • Severe weather: Severe weather in Colorado Springs can include tornadoes, flash flooding, and heavy snow—with the average recorded snowfall in the city tipping 57 inches per year! This type of weather increases the chance of an accident or vehicle damage, which can also increase your insurance.34
  • Mountain roads: Driving through the mountains is notoriously difficult, not to mention tough on your car. There are lots of mountain roads around Colorado Springs, which could put inexperienced drivers at higher risk of an accident.
  • Wildlife encounters: The state reports an average of 3,300 wildlife hits each year. So while Colorado Springs is an urban area, the surrounding mountains and forest area house plenty of creatures that could cause serious damages to your vehicle.5
Remember, though, insurance companies look at much more than just your general location when
calculating premiums
. Your driving record, age, and even credit score can have a big impact on the final price of your policy.

Average cost of car insurance in Colorado Springs by ZIP code

Car insurance rates can also vary based on your ZIP code, even for motorists within the same city. Some neighborhoods have higher vehicle theft rates or more accidents per year, meaning insurance companies charge higher rates in those areas.
ZIP codes
Monthly minimum coverage cost
80921
$77
80907
$116
80939
$120
80915
$195
80925
$207
80951
$254

Car insurance quotes in Colorado Springs by rating factors 

Companies use different rating factors to determine your car insurance coverage rates. Some of the most common ones include:
  • Your driving history and claims history: If a provider sees accidents, tickets, or other violations on your driving record, you could face higher premiums.
  • Your age: Drivers under 25 and over 70 have some of the highest average rates over other age groups.
  • Your parking spot: If you regularly park your car in a neighborhood prone to theft, car accidents, or similar issues, your insurance company will usually raise your rate.
  • Your vehicle: Luxury, sport, and high-performance vehicles are more expensive to insure.
  • How you use your car: If you drive your vehicle a lot, the resulting higher annual mileage could raise your rates.

How do different factors impact your car insurance costs in Colorado Springs?

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Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
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Prohibited (or effectively prohibited): Colorado currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Colorado Springs:

Cheap car insurance quotes in Colorado Springs after driving violations

Traffic violations means a costlier car insurance policy—the more serious the infraction, the higher your rates.
Common violations that could cause your monthly premiums to rise include:
  • Speeding
  • Reckless driving
  • Driving with a suspended license
  • DUIs
  • Being at fault in an accident

Cheapest car insurance in Colorado Springs after speeding ticket

A minor speeding infraction may not increase your rates by much—but any speeding violation will impact your auto insurance quotes. The more serious the charge, the higher your coverage will be.
MPH over limit
Monthly coverage cost
Rate increase (%)
11-15
$208
38%
16-20
$286
84%

Cheapest car insurance in Colorado Springs after DUI

After a
DUI
, you’ll see a steep increase in your premium. You’ll also find that quotes after the fact vary from one company to another, meaning that comparing rates is the best way to find affordable coverage.
Violation
Monthly coverage cost
Rate increase (%)
DUI
$244
61%

Cheapest car insurance in Colorado Springs after an at-fault accident

Insurance providers will always look at your driving record when deciding how much you’ll pay for coverage. Violations of any kind, especially an at-fault accident, will only spell trouble for your rates down the road.
Driving record
Monthly coverage cost
Rate increase (%)
At-fault accident
$199
32%

Cheapest car insurance in Colorado Springs after other driving violations

Beyond accidents, DUIs, and speeding tickets, other violations can easily lead to costlier premiums as well.
Violation
Monthly coverage cost
Rate increase (%)
Reckless driving 
$184
22%
Unsafe Operation of a Motor Vehicle
$212
40%
Open container
$375
148

Cheap car insurance quotes in Colorado Springs by age

Drivers under 25 and over 75 will typically see higher insurance rates than other age groups. This is mainly due to their increased likelihood of accidents on the road.

Cheapest car insurance in Colorado Springs for young drivers

Teen drivers
between the ages of 16 and 19 have the highest average rates of any age bracket. Due to their inexperience, providers compensate by charging more until young motorists can prove they’re safe on the road.
To save money, it’s a good idea for teens to remain on a household insurance policy for as long as possible.
Age
Monthly minimum coverage cost
Monthly full coverage cost
<18
$275
$609
18-21
$196
$377

Cheapest car insurance in Colorado Springs for middle-aged drivers

As drivers gain more experience behind the wheel, their rates lower. Drivers 25-64 see some of the cheapest rates for all age demographics, with rates rising again after motorists turn 65+. 
Age
Monthly minimum coverage cost
Monthly full coverage cost
22-25
$126
$309
26-34
$89
$210
35-44
$84
$174
45-54
$77
$160
While driver premiums are often lower than average for this age group, drivers can still achieve even cheaper costs by looking into car insurance discounts and bundling policies.

Cheapest car insurance in Colorado Springs for senior drivers

Older drivers
will also experience a spike in their coverage due to their increased likelihood of getting into accidents. Not only are they more susceptible to crashes, older motorists also run the risk of suffering severe injuries in the event of one.
Age
Monthly minimum coverage cost
Monthly full coverage cost
55-64
$69
$159
65+
$85
$138

Cheap car insurance quotes in Colorado Springs based on insurance history

Typically, the longer you’ve been insured, the lower your premium will be—meaning if you’ve had a
lapse in coverage
, providers will see you as a greater risk to insure and charge you more as a result.  
Insurance history
Monthly coverage cost
Rate increase (%)
With coverage lapses
$199
32%

Cheap car insurance quotes in for drivers with poor credit

While you may not think your
credit score
is a factor in your insurance rates, many providers will offer significantly better quotes to those with good or excellent credit. 
Statistically speaking6, drivers with poor credit pay a whopping 115% more than drivers with excellent credit for the same insurance policy. In Colorado alone, drivers with poor credit scores can pay upwards of 75% more for insurance than those with a higher score.
Credit score
Monthly coverage cost
< 600
$181
601-699
$146
700+
$127

How to lower car insurance costs in Colorado Springs

1. Shop around and compare quotes

Sticking with the same policy long-term isn’t always the most practical. Insurance companies determine premiums using a variety of factors, and those factors change rapidly.
To be sure that you’re getting the best rates, experts recommend shopping for a new rate every six months to see if you can find a better deal. That’s where Jerry comes in. We can collect quotes from our pool of top providers to help you find the most affordable price for the coverage you need— all in under a minute.

 2. Hunt for car insurance discounts

Most insurers have
a set of discounts
available to customers, but they may not be advertised to you. To find out if you could save on your current policy, ask your provider about these commonly available discounts:
  • Telematics discounts: By using telematics to track your driving habits, you may qualify for savings from your provider. Some companies even offer a discount for enrolling.
  • Good driver discounts: Some providers offer discounts between 10-30% to drivers without a history of tickets or accidents.
  • Bundling discounts: Many insurers will give you a better rate if you
    bundle your home and auto insurance
    (or auto and renters).
  • Good student discounts: If you’re a full-time student, your insurance company might provide a discount for maintaining a B average or higher.

3. Increase your deductible for comprehensive and collision coverage

When you have full coverage insurance, your deductible plays a huge role in your monthly payment calculations. Increasing your deductible can lower your rates, but be sure that you can afford to pay your deductible out-of-pocket in the event of an accident!

FAQ

How much is car insurance in Colorado Springs?

On average, Colorado Springs drivers pay $80 per month for state minimum liability coverage and $223 per month for full coverage. 
Keep in mind that rates are highly personalized based on factors like your driving profile, your vehicle, and your ZIP code. The only way to estimate how much you’ll pay for car insurance is to get quotes from several providers.

What is the best cheap car insurance in Colorado Springs?

Clearcover, Travelers, and National General ranked well with our users for both affordability and customer satisfaction, but remember that there is no one best car insurance company for everyone. 
Insurance rates vary from person to person, so the best provider for you might be the opposite for your neighbor. To find the best rates for you, you’ll need to get quotes from a few different providers and compare rates.

What is the minimum car insurance in Colorado Springs, CO?

In the state of Colorado, you’re legally obligated to carry 25/50/15 coverage. This means you’ll need to purchase at least $25,000 per person and $50,000 per accident of bodily injury liability coverage, and at least $15,000 of property damage liability coverage per accident.

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions. We analyzed over 25 million car insurance quotes and conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months). All average quote data is based on rates for single drivers with a clean record and a single car between the ages of 35 and 65.  
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. 
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings. 
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

Meet our experts

avatar
Liz Jenson
Liz Jenson is an insurance writer who specializes in general automotive and insurance topics. Liz’s mission is to produce informative and useful content to help car owners make smart choices when buying cars and car insurance. Since joining Jerry in 2021, Liz has written nearly 4,000 long- and short-form articles on topics including state-specific insurance recommendations, common car insurance questions, and deep dives into vehicle model details.
Before they came to Jerry, Liz was a full-time student at Indiana University, Bloomington working on a double major in English and French.
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Maria Cruz
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Expert Insurance Writer & Editor
Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
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Josh Damico
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Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.