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.

89

Rainy Days a Year

16"

Avg. Annual Rainfall

41"

Avg. Annual Snowfall

Be Prepared For

Driving in Colorado Springs

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

MMT Bus

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

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

See All

Not sure about Colorado Springs

Check out these other Colorado cities...

Denver

Aurora

$1,408

The average Colorado Springs resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

225

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

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Colorado Springs Car Insurance

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