Car Insurance in Colorado Springs
Colorado Springs premiums are 5% higher than the state average, which is why the city is known for its expensive premiums. Why don't we go over some tips on how to save on car insurance in Colorado Springs?
- City Average: $1,511
- State Average: $1,435
- National Average: $1,427
Colorado Springs Car Insurance by Age
The biggest decline in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Colorado Springs start seeing a reduction in premiums of 65%. While premiums for drivers will continue to decline through their 50s, they should anticipate a change when they hit 60. With payments of $5,875 on average, teenage drivers pay the most in car insurance premiums. Among all age groups, drivers in their 50s have the lowest car insurance payments, with rates of $1,388/year. People in their 60s ($1,411) aren’t paying much more.
- Teenagers: $5,875
- 20s: $2,031
- 30s: $1,484
- 40s: $1,461
- 50s: $1,388
- 60s: $1,411
- 70s: $1,711
Colorado Springs Car Insurance by Accident or Violation History
Do you have a history of accidents or violations? That can influence your prices on car insurance. A DUI will increase your car insurance premiums more than other driving violations. Drivers with a DUI in Colorado Springs have rates $778 higher than the city average ($1,511). Reckless driving will drive your rates up as well, with typical rates of $2,275, which are 51% higher than the city average! Even among safe drivers, accidents happen, so be prepared and learn what can happen to your rates following one. $702 is the amount by which you can expect your annual insurance premiums to rise in Colorado Springs if you have an at-fault accident on your driving record.
- DUI: $2,289
- Reckless Driving: $2,275
- At-fault Accident (damages less than $1000): $2,213
- At-fault Accident (damages greater than $2000): $2,213
- Speeding Ticket (16-20 mph over speed limit): $1,832
Colorado Springs Car Insurance by Credit Rating
Average car insurance premiums in Colorado Springs for individuals with Very Poor credit (300-579) are over double the premiums for those with Exceptional credit (800-850). Drivers can save an average of $386 per year when they boost their credit tier from Good (670-739) to Very Good (740-799).
- Very Poor: $2,958
- Fair: $2,463
- Good: $1,993
- Very Good: $1,607
- Exceptional: $1,316
Colorado Springs Car Insurance by Gender and Marital Status
In Colorado Springs, both gender and marital status influence your car insurance premiums. Premiums for men tend to be 3% cheaper than for women. People who are married save close to 6% per year compared to those who are single or divorced. Rates for those who are widowed are moderately cheaper than rates for those who are single.
- Female: $1,551
- Male: $1,511
- Single: $1,511
- Married: $1,427
- Divorced: $1,511
- Widowed: $1,447
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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in Colorado Springs
Major HighwaysI-25 U.S. 24 SH 21
Find Local Colorado Springs Agents
Insurance Connection LLC
2020 E Pikes Peak Ave Colorado Springs, CO 80909
Colorado Springs Insurance Inc
5350 N ACADEMY BLVD COLORADO SPRINGS, CO 80918
Insurance Network of Colorado
2525 W. Pikes Peak Ave. Colorado Springs, CO 80904
Schaefer Agency, Inc.
524 N Tejon Colorado Springs, CO 80903
Martin Burlingame Agency
1773 S 8th St 200 Colorado Springs, CO 80905
Griego Insurance Agency, Inc./ Colorado Springs
4260 Buckingham Dr Ste 104 Colorado Springs, CO 80907
Gray's Insurance Team
712 S Nevada Ave Colorado Springs, CO 80903
Specialty Insurance Partners
1221 Lake Plaza Drive Colorado Springs, CO 80906
CoWest Of Colorado Springs
500 N Circle Dr #201 Colorado Springs, CO 80909
Western Insurance Solutions Inc
4740 Flintridge Drive Colorado Springs, CO 80918
American Insurance Exchange
500 N Circle Dr #206 Colorado Springs, CO 80909
Align Group Ins dba Don Bates Insurance
2407 W Colorado Avenue Colorado Springs, CO 80904
Six & Geving Insurance, Inc.
3630 Sinton Rd, Ste 200 Colorado Springs, CO 80907
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
Hub International Ins Svcs Inc
111 S Tejon St Ste 113 Colorado Springs, CO 80903
Brown & Brown Insurance
101 N Cascade Ave Ste 410 Colorado Springs, CO 80903
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Colorado Springs Car Insurance
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