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 Average||State Average||National Average|
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/Gender||Average Rate|
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
|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
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 Quality||Average Rate|
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
Find Local Colorado Springs Agents
Griego Insurance Agency, Inc./ Colorado Springs
4260 Buckingham Dr Ste 104 Colorado Springs, CO 80907
DCI Commercial Insurance Resources
121 S. Tejon St 900 Colorado Springs, CO 80903
Align Group Ins dba Don Bates Insurance
2407 W Colorado Avenue Colorado Springs, CO 80904
Western Group Inc - Colorado Springs
2860 S Circle Drive #150 Colorado Springs, CO 80906
Schaefer Agency, Inc.
524 N Tejon Colorado Springs, CO 80903
Western Insurance Solutions Inc
4740 Flintridge Drive Colorado Springs, CO 80918
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
Brown & Brown Insurance
101 N Cascade Ave Ste 410 Colorado Springs, CO 80903
Insurance Network of Colorado
2525 W. Pikes Peak Ave. Colorado Springs, CO 80904
Martin Burlingame Agency
1773 S 8th St 200 Colorado Springs, CO 80905
Insurance Connection LLC
2020 E Pikes Peak Ave Colorado Springs, CO 80909
Specialty Insurance Partners
1221 Lake Plaza Drive Colorado Springs, CO 80906
CoWest Of Colorado Springs
500 N Circle Dr #201 Colorado Springs, CO 80909
American Insurance Exchange
500 N Circle Dr #206 Colorado Springs, CO 80909
Gray's Insurance Team
712 S Nevada Ave Colorado Springs, CO 80903
Six & Geving Insurance, Inc.
3630 Sinton Rd, Ste 200 Colorado Springs, CO 80907
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