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Cheap Auto Insurance Quotes in Colorado Springs, CO (2023)
Sun Coast, Travelers, and Direct Auto offer the cheapest car insurance for full-coverage insurance in Colorado Springs.
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Written by
Anna Baluch
Insurance Writer
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
Edited by
Katie Powers
Insurance Writer
Katie Powers is an insurance writer at Insurify with a producer’s license for property and casualty insurance in Massachusetts and expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Data reviewed by
Konstantin Halachev
VP of Engineering
Konstantin has led data science and engineering projects across multiple domains: biology, travel and insurance. He loves finding data nuggets that help people.
Updated December 6, 2022
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The average cost of minimum-coverage car insurance in Colorado Springs is $184 per month, which comes to $54 less than the state monthly average of $238. Fortunately, many car insurance companies offer affordable coverage options in Colorado Springs.
As long as you shop around for quotes from multiple auto insurers, you can find a great deal on a policy that works for you. Here’s what you need to know about auto insurance in Colorado Springs.
Table of contents
- How much does car insurance cost in Colorado Springs?
- Cheapest car insurance in Colorado Springs: Sun Coast
- How much car insurance do you need in Colorado Springs?
- Tips for getting cheap car insurance in Colorado Springs
- How age affects car insurance rates in Colorado Springs
- How credit scores affect cheap car insurance in Colorado Springs
- The effect of driving habits on car insurance in Colorado Springs
- Find local Colorado Springs agents
- Colorado Springs car insurance rates FAQs
How much does car insurance cost in Colorado Springs?
Car insurance premiums in Colorado Springs vary significantly from provider to provider and depend on your credit history, driving record, age, chosen coverage, and more. Comparing multiple options allows you to find the cheapest rate that meets your insurance needs. To help you find the cheapest quotes, Insurify data scientists analyzed the latest insurance rates in Colorado Springs.
Rates in the city range from $85 to $369 and fluctuate based on different driver categories. Here’s a look at the car insurance companies that offer the cheapest coverage in Colorado Springs:
Liability-only insurance: Sun Coast
Full-coverage insurance: Sun Coast
Insurance for new/young drivers: Sun Coast
See More: Cheap Car Insurance in Colorado
Cheapest car insurance in Colorado Springs: Sun Coast
Sun Coast is the cheapest car insurance company in Colorado Springs, with an average rate of $204 per month for full coverage and $85 per month for liability-only insurance. Factors like your location, driving record, and credit history all play a role in your car insurance rates as well.
| Insurance Company | Insurify Composite Score (ICS) | Liability Only | Full Coverage |
|---|---|---|---|
| Sun Coast | N/A | $85 | $204 |
| Travelers | 80 | $160 | $206 |
| Direct Auto | N/A | $231 | $219 |
| Midvale Home & Auto | N/A | $153 | $220 |
| Safeco | 86 | $184 | $260 |
| Progressive | N/A | $251 | $273 |
| Nationwide | 89 | $189 | $279 |
| Bristol West | N/A | $154 | $285 |
| SafeAuto | N/A | $131 | $296 |
| State Auto | 76 | $125 | $302 |
| The General | N/A | $168 | $303 |
| Kemper Specialty | N/A | $171 | $305 |
| Farmers GroupSelect | N/A | $178 | $315 |
| Acuity | N/A | $158 | $344 |
| Kemper | N/A | $200 | $345 |
| Liberty Mutual | 82 | $316 | $352 |
| Dairyland | N/A | $164 | $369 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify Composite Score (ICS)
To calculate the Insurify Composite Score, a proprietary rating, Insurify data scientists weigh multiple factors that reflect the quality, reliability, and health of an insurance company.
Inputs to the score include J.D. Power ratings, Consumer Reports customer satisfaction surveys and customer complaints, mobile app reviews, user-generated company reviews, and financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch.
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How much car insurance do you need in Colorado Springs?
To drive legally in Colorado Springs, you must invest in the following minimum-coverage car insurance:
$25,000 per person for bodily injury
$50,000 per accident for bodily injury
$15,000 per accident for property damage
Colorado state law requires you to carry proof of insurance in your car at all times and have it available when law enforcement requests it. You also need proof of insurance when you renew your vehicle registration and if your car is involved in an accident.
Colorado DMV information
The Colorado DMV offers a variety of online services. You can apply for a driver’s license, renew your license, add or change your address, or renew your vehicle registration. For other services, you may schedule an appointment online and visit a DMV location near your home.
Tips for getting cheap car insurance in Colorado Springs
To lock in cheap car insurance rates in Colorado Springs, take advantage of all the discounts that may be available to you, and bundle your auto policy with your homeowners insurance. You can also look into increasing your deductible to lower the rate. One of the most reliable ways to save on car insurance is to comparison shop from multiple auto insurers.
Learn More: Compare Home and Auto Insurance Bundles
How age affects car insurance rates in Colorado Springs
Since statistics show that younger drivers with less experience tend to get in more accidents than older drivers with more experience, car insurance companies charge teen drivers the highest rates to compensate for higher risk levels. The fatal car crash rate for teenagers is three times higher than for drivers 20 and older, according to the CDC.[1]
Find the average rate for your age group in Colorado Springs in the table below.
| Age Group | Average Monthly Quote |
|---|---|
| Teenagers | $556 |
| Under 25 | $391 |
| 25–29 | $295 |
| 30s | $257 |
| 40s | $244 |
| 50s | $247 |
| 60s | $220 |
| 70s | $245 |
| 80+ | $157 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for young drivers in Colorado Springs
Sun Coast and Nationwide offer the cheapest car insurance for young drivers in Colorado Springs. To secure an affordable rate as a young driver, choose a reliable car and look for discounts, like the good student or safe driving discount.
| Car Insurance Company | Average Monthly Quote |
|---|---|
| Nationwide | $233 |
| Travelers | $238 |
| SafeAuto | $273 |
| Progressive | $328 |
| Liberty Mutual | $391 |
| Sun Coast | $232 |
| Direct Auto | $272 |
| Midvale Home & Auto | $290 |
| Safeco | $311 |
| Bristol West | $355 |
| Kemper Specialty | $366 |
| The General | $434 |
| Dairyland | $441 |
| Kemper | $459 |
| Farmers GroupSelect | $511 |
| State Auto | $661 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for middle-aged drivers in Colorado Springs
The cheapest car insurance for middle-aged drivers in Colorado Springs comes from Progressive. If you’re a middle-aged driver in the area, you can lower your costs if you shop around and bundle your policy with your homeowners insurance.
| Car Insurance Company | Average Monthly Quote |
|---|---|
| Progressive | $126 |
| SafeAuto | $154 |
| Nationwide | $186 |
| Travelers | $233 |
| Liberty Mutual | $319 |
| Sun Coast | $155 |
| Direct Auto | $182 |
| Midvale Home & Auto | $203 |
| Kemper Specialty | $206 |
| Safeco | $222 |
| Bristol West | $223 |
| Farmers GroupSelect | $224 |
| Kemper | $250 |
| The General | $272 |
| State Auto | $310 |
| Dairyland | $312 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for senior drivers in Colorado Springs
Midvale Home & Auto offers the cheapest car insurance coverage for senior drivers in Colorado Springs. To save money on your policy, you can take a defensive driving course and look for a low-mileage plan.
| Car Insurance Company | Average Monthly Quote |
|---|---|
| Nationwide | $160 |
| Travelers | $162 |
| Safeco | $173 |
| Bristol West | $181 |
| Liberty Mutual | $258 |
| Midvale Home & Auto | $149 |
| Kemper Specialty | $166 |
| Direct Auto | $167 |
| State Auto | $192 |
| Sun Coast | $202 |
| The General | $246 |
| Dairyland | $333 |
| Farmers GroupSelect | $424 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
How credit scores affect cheap car insurance in Colorado Springs
Your credit score might influence your car insurance premiums in Colorado Springs. If you have good credit (670+), for example, car insurance companies may believe you’ll file fewer claims than a driver with fair credit (580–669) or poor credit (300–579).
For this reason, you can enjoy lower rates. Colorado is one of the many states that allow insurance companies to consider credit history when determining auto rates. Take a look at the average cost of full-coverage policies by credit tier below.
| Credit Tier | Average Monthly Quote |
|---|---|
| Excellent | $259 |
| Good | $300 |
| Fair | $338 |
| Poor | $327 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Learn More: Car Insurance Rates by Credit Tier
The effect of driving habits on car insurance in Colorado Springs
Your driving habits will affect your car insurance premiums. As long as you maintain a clean record, free of serious traffic offenses, like at-fault accidents, speeding tickets, and DUIs, you can secure the lowest rates. On the flip side, a record full of infractions may increase your car insurance costs.
Cheapest car insurance with an accident: Progressive
Cheapest car insurance with a DUI: Travelers
Cheapest car insurance with a speeding ticket: SafeAuto
| Car Insurance Company | Average Monthly Cost | Average Monthly Cost | Average Monthly Cost | Average Monthly Cost |
|---|---|---|---|---|
| Travelers | $211 | $252 | $193 | $283 |
| Sun Coast | $159 | $240 | $210 | $229 |
| Direct Auto | $212 | $376 | $211 | $203 |
| Bristol West | $293 | $237 | $273 | $302 |
| Safeco | $231 | $279 | $299 | $300 |
| Midvale Home & Auto | $247 | $279 | $314 | $253 |
| Kemper Specialty | $255 | $315 | $328 | $343 |
| Dairyland | $338 | $403 | $366 | $462 |
| SafeAuto | $242 | $182 | $376 | $172 |
| The General | $322 | $335 | $404 | $413 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance in other Colorado cities
Insurance rates can vary greatly from city to city, even within the same state. Check out car insurance quotes for these other cities in Colorado:
Find local Colorado Springs agents
Aion Insurance Consultants, Inc
540 Garden of the Gods Road,
Colorado Springs, CO 80907Insurance Centers of America
2055 Anglo Dr #200,
Colorado Springs, CO 80918WestCo Insurance LLC
9235 N Union Blvd Ste 150,
Colorado Springs, CO 80920Equity Insurance Group
1880 Dublin Blvd.,
Suite C, Colorado Springs, CO 80918The Insurance House
5180 N Union Blvd,
Suite 105, Colorado Springs, CO 80918American Insurance Exchange
500 N Circle Dr #206,
Colorado Springs, CO 80909Brukhouse Insurance Inc.
2930 Austin Bluffs Parkway Suite 202,
Colorado Springs, CO 80918Ron Baumgart Insurance Agency
7660 Goddard St Ste 205,
Colorado Springs, COCurt Baker Insurance Group Inc DBA Baker Insurance Group
5555 Erindale Drive Suite 205,
Colorado Springs, CO 80918Six & Geving Insurance, Inc.
3630 Sinton Rd,
Ste 200, Colorado Springs, CO 80907-5077
Colorado Springs car insurance rates FAQs
The average cost of the minimum liability car insurance in Colorado Springs is $209 per month. A number of factors influence rates in the city and state, including higher accident rates and more uninsured drivers on the road. Severe weather events in Colorado Springs, such as storms, wildfires, and droughts, increase claims, which impacts premiums as well.
Car insurance in Colorado costs $238 per month on average, making it $54 more per month than the average monthly cost of $184 in Colorado Springs. On a national level, drivers in the U.S. pay an average of $231 per month for car insurance.
Sun Coast and Travelers offer the cheapest car insurance in Colorado Springs. Policyholders pay an average of $85 for a liability-only policy and $204 for full coverage from Sun Coast. For Travelers, average rates are $160 for minimum coverage and $206 for full-coverage insurance. Drivers with a history of speeding tickets, accidents, or DUIs can find affordable auto insurance at Sun Coast, SafeAuto, and The General. Ultimately, the best auto insurance provider for you depends on your specific driving history, coverage needs, and more.
Car insurance in Colorado follows the vehicle, not the driver. If someone else lets you borrow their car and you get into an accident, their auto insurance policy will typically kick in. Depending on the situation, your car insurance policy might serve as secondary coverage and also come into play. The same scenario applies in reverse if someone borrowing your vehicle crashes. Think carefully about who you allow to borrow your vehicle, and never allow someone without a driver’s license to drive your car.
It’s not illegal to sleep in your car in Colorado, but you must follow the rules of various parking lots in the area. If you see a rest area or parking lot with a sign that says “No Overnight Parking,” don’t park there to sleep overnight. The Colorado Right to Rest Act specifically allows drivers to occupy a legally parked vehicle, as well as other basic rights for people experiencing homelessness — including those choosing to live or stay in their vehicle.[2]
To lower your car insurance premiums, shop around and compare plans from various auto insurance companies. Also, ask providers for discounts, and find out whether you can bundle your car insurance with your homeowners, renters, or life insurance. Always prioritize practicing safe driving to maintain a clean record without serious traffic violations, like speeding tickets, DUIs, or at-fault accidents.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- CDC. "Teen Drivers and Passengers: Get the Facts." Accessed December 6, 2022
- Colorado General Assembly . "Colorado Right to Rest." Accessed December 6, 2022
