How Much Are Car Insurance Rates in Colorado Springs?
Colorado Springs premiums, which exceed Colorado's average by $76, are recognized for being costly. Therefore it is imperative to cut costs while insuring a vehicle in Colorado Springs. Keep some money in your pocket by following our tips and saving on auto insurance in Colorado Springs.
AUTO INSURANCE RATES: COLORADO SPRINGS VS. STATE/NATIONAL AVERAGES
|City Average||State Average||National Average|
Colorado Springs Car Insurance by Credit Level
Individuals with Very Poor credit (300-579) pay an average of more than twice as much every year on premiums than those with Exceptional credit (800-850). Moving from Good (670-739) to Very Good (740-799) hands over the biggest percent reduction in premiums to drivers, as they save approximately 19% per year.
COLORADO SPRINGS CAR INSURANCE COSTS BY CREDIT LEVEL
|Credit Score||Average Rate|
Colorado Springs Auto Insurance by Gender and Marital Status
Both marital status and gender are among the numerous driver traits that play a role in car insurance premiums in Colorado Springs. Rates for those who are widowed are relatively cheaper than rates for those who are single. People who are single spend $84 more per year on car insurance compared to those who are married. Premiums for men are typically 3% cheaper than for women.
COLORADO SPRINGS CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Colorado Springs Car Insurance by Age
Teenage drivers are the ones who pay the most in car insurance premiums, with average rates of $5,875. At $1,388, drivers in their 50s have the smallest insurance payments among any age group. People in their 60s ($1,411) aren’t paying much more. The most significant dip in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Colorado Springs start paying 65% less in premiums. In Colorado Springs, turning 60 means an increase in car insurance premiums. Up until then, transitioning from one age group to the next means decreasing prices.
COLORADO SPRINGS CAR INSURANCE RATES BY AGE
Colorado Springs Car Insurance After Accidents or Violations
By knowing which driving mishaps can inflate your insurance premiums, you can make better decisions and save money. A DUI will increase your car insurance premiums more than other driving violations. In Colorado Springs, drivers with a DUI have rates 51% greater than the city average of $1,511. Reckless driving will also bump your rates up, with typical rates of $2,275! Expect your yearly car insurance premiums to rise by $702 if you are found at-fault in an accident in Colorado Springs.
AVERAGE COLORADO SPRINGS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,213|
|At-fault Accident (damages greater than $2,000)||$2,213|
|Speeding Ticket (16-20 mph over speed limit)||$1,832|
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
CoWest Of Colorado Springs
500 N Circle Dr #201 Colorado Springs, CO 80909
Brown & Brown Insurance
101 N Cascade Ave Ste 410 Colorado Springs, CO 80903
Specialty Insurance Partners
1221 Lake Plaza Drive Colorado Springs, CO 80906
Gray's Insurance Team
712 S Nevada Ave Colorado Springs, CO 80903
Insurance Connection LLC
2020 E Pikes Peak Ave Colorado Springs, CO 80909
Align Group Ins dba Don Bates Insurance
2407 W Colorado Avenue Colorado Springs, CO 80904
Schaefer Agency, Inc.
524 N Tejon Colorado Springs, CO 80903
Colorado Springs Insurance Inc
5350 N ACADEMY BLVD COLORADO SPRINGS, CO 80918
Griego Insurance Agency, Inc./ Colorado Springs
4260 Buckingham Dr Ste 104 Colorado Springs, CO 80907
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
Insurance Network of Colorado
2525 W. Pikes Peak Ave. Colorado Springs, CO 80904
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
Six & Geving Insurance, Inc.
3630 Sinton Rd, Ste 200 Colorado Springs, CO 80907
American Insurance Exchange
500 N Circle Dr #206 Colorado Springs, CO 80909
Martin Burlingame Agency
1773 S 8th St 200 Colorado Springs, CO 80905
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Colorado Springs Car Insurance
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