How Much Does Auto Insurance Cost in Colorado Springs?


On average, premiums in Colorado are 6% higher than the national average. Premiums run even higher in the city, so if you are insuring a vehicle in Colorado Springs, understanding premium costs is crucial. Review our ways to save on Colorado Springs car insurance and save money.


AUTO INSURANCE PRICES: COLORADO SPRINGS VS. STATE/US AVERAGES
City AverageState AverageNational Average
$1,791$1,663$1,569


Colorado Springs Car Insurance by Gender and Marital Status


Both gender and marital status are important considerations in determining the cost of car insurance in Colorado Springs. Being married, as opposed to single, can save you an average of 5% per year. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Premiums for men and women tend to vary by 3%, with women paying more.


COLORADO SPRINGS CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$1,848
Male$1,791
Single$1,791
Married$1,710
Divorced$1,791
Widowed$1,738


Colorado Springs Auto Insurance for Drivers With At-Fault Accidents or Violations


Accidents and violations can cost you in terms of car insurance rates. Drivers with a DUI in Colorado Springs need to spend 44% more than the city average to insure their vehicle. Reckless driving will bump your rates up as well, with typical rates of $2,606, which are 45% higher than the city average. The severity of an at-fault accident influences insurance rates. For individuals in Colorado Springs with at-fault accidents in which damages exceeded $2,000, rates are an average of $330 more than at-fault accidents with damages less than $1,000.


AVERAGE COLORADO SPRINGS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Rate
DUI/DWI$2,587
Reckless Driving$2,606
At-fault Accident (damages less than $1,000)$2,255
At-fault Accident (damages greater than $2,000)$2,585
Speeding Ticket (16-20 mph over speed limit)$2,134


Colorado Springs Auto Insurance by Driver Age

In Colorado Springs, when drivers reach their 20s, therefore moving out of the teenage age range, they can save 64% every year, which is the most change you'll see between any age group. Turning 60 triggers a rise in car insurance premiums, but up until that age drivers can anticipate premium reductions when they transition between age groups. Car insurance premiums are highest for teenage drivers, with typical rates of $6,648 per year. At $1,654, drivers in their 50s have the lowest insurance payments among any age group. Those in their 60s ($1,674) aren’t paying much more.


COLORADO SPRINGS CAR INSURANCE COSTS BY DRIVER AGE
AgeAverage Rate
Teenagers$6,648
20s$2,364
30s$1,763
40s$1,741
50s$1,654
60s$1,674
70s$1,851


Colorado Springs Car Insurance by Credit Rating


For those with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Drivers can save around 41% per year when they boost their credit tier from Very Poor (300-579) to Fair (580-669).


COLORADO SPRINGS CAR INSURANCE RATES BY CREDIT TIER
Credit QualityAverage Rate
Very Poor$3,777
Fair$2,237
Good$1,791
Very Good$1,619
Exceptional$1,487


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 & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.

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

DCI Commercial Insurance Resources

121 S. Tejon St 900 Colorado Springs, CO 80903

Insurance Network of Colorado

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

Schaefer Agency, Inc.

524 N Tejon Colorado Springs, CO 80903

Brown & Brown Insurance

101 N Cascade Ave Ste 410 Colorado Springs, CO 80903

Martin Burlingame Agency

1773 S 8th St 200 Colorado Springs, CO 80905

Align Group Ins dba Don Bates Insurance

2407 W Colorado Avenue Colorado Springs, CO 80904

Gray's Insurance Team

712 S Nevada Ave Colorado Springs, CO 80903

CoWest Of Colorado Springs

500 N Circle Dr #201 Colorado Springs, CO 80909

Six & Geving Insurance, Inc.

3630 Sinton Rd, Ste 200 Colorado Springs, CO 80907

Insurance Connection LLC

2020 E Pikes Peak Ave Colorado Springs, CO 80909

Colorado Springs Insurance Inc

5350 N ACADEMY BLVD COLORADO SPRINGS, CO 80918

Hub International Ins Svcs Inc

111 S Tejon St Ste 113 Colorado Springs, CO 80903

Western Insurance Solutions Inc

4740 Flintridge Drive Colorado Springs, CO 80918

Western Group Inc - Colorado Springs

2860 S Circle Drive #150 Colorado Springs, CO 80906

American Insurance Exchange

500 N Circle Dr #206 Colorado Springs, CO 80909

Specialty Insurance Partners

1221 Lake Plaza Drive Colorado Springs, CO 80906

Griego Insurance Agency, Inc./ Colorado Springs

4260 Buckingham Dr Ste 104 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.

Tiny house insurance needed

For all their homeowners, Airbnb provides Host Protection coverage that protect the contents of the house from guest damages. You will also need to get regular home owners insurance in addition to what Airbnb covers.