How much does car insurance cost in Colorado Springs?


The average car insurance rate in Colorado Springs is $1,903 per year. That's more than the statewide average in Colorado ($1,757) and more expensive than the national average of $1,548. Our guide to Colorado Springs auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!


COLORADO SPRINGS CAR INSURANCE RATES
Colorado Springs Average (yearly)Colorado AverageNational Average
$1,903$1,757$1,548

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Colorado Springs car insurance costs by provider


One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, USAA offers Colorado Springs's cheapest rates. See below the best options for affordable auto insurance in Colorado Springs. Don't forget to get car insurance quotes based on your driving profile.


COLORADO SPRINGS CAR INSURANCE RATES BY COMPANY
InsurerAverage Yearly Rate
USAA$1,161
GEICO$1,293
State Farm$1,463
Allstate$1,908
Progressive$2,484

Check out our guide to learn how to find the best cheap car insurance.



Car insurance rates by age bracket in Colorado Springs

Colorado Springs drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,703per year, on average. Drivers in their 60s pay marginally higher rates — $1,716 per year.

The Colorado Springs drivers who pay the highest insurance rates are teenagers. When Colorado Springs drivers hit their 20s, their insurance rates drop substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Colorado Springs is $4,243, the largest such difference between any two age groups.


COLORADO SPRINGS CAR INSURANCE RATES BY DRIVER AGE
Age bracketAverage Annual Rate
Teenagers$6,633
20s$2,390
30s$1,857
40s$1,806
50s$1,703
60s$1,716
70s$2,008

Learn more about the impact of age on auto insurance rates.



Colorado Springs auto insurance costs by marital status and gender


In some cases, a driver's marital status and gender may affect their car insurance rates. In Colorado Springs, married drivers pay $125 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Colorado Springs, single drivers pay more than those who are widowed.

Gender is another factor that can influence auto insurance rates. In Colorado Springs, female drivers pay more for auto insurance than do male drivers: $14 per year, to be precise.


COLORADO SPRINGS AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Annual Rate
Female$1,917
Male$1,903
Single$1,778
Married$1,778
Divorced$1,903
Widowed$1,822

Learn more about how gender and marital status have on auto insurance rates.



Colorado Springs car insurance costs by incident history


Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.

Colorado Springs drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $691 per year versus the city average. A ticket for speeding results in a $339 rate hike while a DWI or DUI violation costs $654per year in extra insurance expenditures.


COLORADO SPRINGS CAR INSURANCE RATES AFTER A COLLISION OR CITATION
IncidentAverage Yearly Rate
DWI/DUI$2,558
Reckless Driving$2,595
At-fault Accident (damages < $1,000)$2,367
At-fault Accident (damages greater than $2,000)$2,680
Speeding Ticket (16-20 mph over speed limit)$2,242

Learn more about how citations can raise your auto insurance rates.



Colorado Springs auto insurance rates by credit score


A driver's credit level can be closely correlated with their auto insurance rates. Colorado Springs drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 58% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Colorado Springs, improving your credit to "Fair" could help you earn $1,374 in savings on insurance premiums each year.


COLORADO SPRINGS AUTO INSURANCE RATES BY CREDIT LEVEL
Credit LevelAverage Rate (annual)
Very Poor$3,691
Fair$2,317
Good$1,903
Very Good$1,731
Exceptional$1,566

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



What drives up car insurance rates in Colorado Springs?

Where you live in Colorado Springs affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Colorado Springs is no exception to the rule. From ZIP code 80919 to 80928, premiums rise by 11 percent—that’s $153.

Expensive Colorado Springs ZIP codes: 80913, 80914, 80916, 80910, 80928

Cheap Colorado Springs ZIP codes: 80919, 80920, 80907, 80924, 80927

Colorado Springs Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.

And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Colorado Springs, you can expect 89 rainy days with an annual rainfall of 16 inches. Colorado Springs is also known to experience severe winter storms.

89

Rainy Days a Year

16"

Avg. Annual Rainfall

41"

Avg. Annual Snowfall

Be Prepared For

Driving in Colorado Springs

2
Major Highways
I-25 U.S. 24 SH 21
2
Public Transit

MMT Bus

2
Toll Roads
E-470
2
Popular Day Trips
Rocky Mountain National Park Mount Evans Buffalo Herd Nature Preserve

Find Local Colorado Springs Agents

American Insurance Exchange

500 N Circle Dr #206, Colorado Springs, CO 80909

Gray's Insurance Team

712 S Nevada Ave, Colorado Springs, CO 80903

Hub International Ins Svcs Inc

111 S Tejon St Ste 113, Colorado Springs, CO 80903

Colorado Springs Insurance Inc

5350 N ACADEMY BLVD, COLORADO SPRINGS, CO 80918

Martin Burlingame Agency

1773 S 8th St 200, Colorado Springs, CO 80905

Schaefer Agency, Inc.

524 N Tejon, Colorado Springs, CO 80903

Griego Insurance Agency, Inc./ Colorado Springs

4260 Buckingham Dr Ste 104, Colorado Springs, CO 80907

CoWest Of Colorado Springs

500 N Circle Dr #201, Colorado Springs, CO 80909

Western Insurance Solutions Inc

4740 Flintridge Drive Suite 115, Colorado Springs, CO 80918

Specialty Insurance Partners

1221 Lake Plaza Drive Suite D, Colorado Springs, CO 80906

DCI Commercial Insurance Resources

121 S. Tejon St 900, Colorado Springs, CO 80903

Western Group Inc - Colorado Springs

2860 S Circle Drive #150, Colorado Springs, CO 80906

Align Group Ins dba Don Bates Insurance

2407 W Colorado Avenue, Colorado Springs, CO 80904

Insurance Network of Colorado

2525 W. Pikes Peak Ave. Suite C, Colorado Springs, CO 80904

Insurance Connection LLC

2020 E Pikes Peak Ave, Colorado Springs, CO 80909

Brown & Brown Insurance

101 N Cascade Ave Ste 410, Colorado Springs, CO 80903

Six & Geving Insurance, Inc.

3630 Sinton Rd, Ste 200, Colorado Springs, CO 80907

Not sure about Colorado Springs

Check out these other Colorado cities:

Denver

Aurora

2

$1,408

The average Colorado Springs resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

225

That's equal to 225 cups of coffee or $563 in savings

See How Much You Can Save in Colorado Springs

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Recent Questions:

Colorado Springs Car Insurance

Do insurance companies run a soft or hard credit check?

Insurance companies run a soft credit check when they run your credit. We can quote you with several carriers at The Zebra. Good luck and if you have any questions, don't hesitate to ask.

How can my insurance company check for a lien if I'm in another state?

Your insurance company would not verify a lien. The insurance company would need to add a lienholder to the policy.

Do I have to contact my insurance after an accident with a rental car?

You've taken all of the right steps to have the claim taken care of. The only thing you need to do is contact your insurance company.

Zero down payment car insurance

Most "standard" insurance companies don't advertise based on no down payments or being able to pay as you go. This is because they believe it will attract risky clients. Pay as you go is also a very rare policy to find in the insurance world, as most policies are6 to 12 months long. Your best option is to look at non-standard companies (aka smaller companies) or speak with agents directly.