How Much Does Car Insurance Cost in Colorado Springs?


Premiums in Colorado are relatively similar to national rates, as its premiums are within 0.6% of the national average. We've analyzed how auto insurance rates in Colorado Springs compare to costs nationwide.


CAR INSURANCE COSTS: COLORADO SPRINGS VS. NATIONAL/STATE AVERAGES
City AverageState AverageNational Average
$1,511$1,435$1,427


Colorado Springs Auto Insurance by Credit Level


Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you an average of $1,642 every year on premiums. In terms of percent change, moving from Good (670-739) to Very Good (740-799) has the greatest positive impact on premiums, as it saves drivers nearly 19% per year.


COLORADO SPRINGS CAR INSURANCE RATES BY CREDIT LEVEL
CreditAverage Auto Insurance Rate
Very Poor$2,958
Fair$2,463
Good$1,993
Very Good$1,607
Exceptional$1,316


Colorado Springs Car Insurance Premiums by Age

Everyone loves to save money, and luckily for drivers in their 50s, they do just that! They have the smallest car insurance rates among any age group, with rates of $1,388 per year. People in their 60s ($1,411) also have relatively low premiums. The most significant drop in premiums for Colorado Springs drivers happens when they hit their 20s. Once out of the teenage age bracket, they save, on average, $3,844. In Colorado Springs, turning 60 means a rise in rates. Up until then, moving between age groups means decreasing prices. With average car insurance payments of $5,875, teenage drivers have the largest premiums amongst all the age groups.


COLORADO SPRINGS CAR INSURANCE PRICES BY DRIVER AGE
AgeAverage Rate
Teenagers$5,875
20s$2,031
30s$1,484
40s$1,461
50s$1,388
60s$1,411
70s$1,711


Colorado Springs Auto Insurance by Gender and Marital Status


Numerous driver traits, including gender and marital status, can have an effect on car insurance premiums in Colorado Springs. On average, females have premiums that are 3% more pricey than those for males. Rates for those who are widowed are moderately cheaper than rates for those who are single. You spend close to 6% more per year if you're single or divorced as opposed to married.


COLORADO SPRINGS CAR INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$1,551
Male$1,511
Single$1,511
Married$1,427
Divorced$1,511
Widowed$1,447


Colorado Springs Car Insurance for High-Risk Drivers


Have you been involved in an at-fault accident or committed a moving violation?? That can influence your car insurance premiums. A DUI will increase your car insurance premiums more than other driving violations. On average, a DUI in Colorado Springs will cost you 51% more in car insurance premiums versus the city average ($1,511). Reckless driving will bump your rates up as well, with average rates of $2,275! Being at-fault in an accident can cost drivers an extra $702 per year to insure your vehicle in Colorado Springs.


AVERAGE COLORADO SPRINGS INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident or ViolationAverage Annual Premium
DUI$2,289
Reckless Driving$2,275
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.

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

Martin Burlingame Agency

1773 S 8th St 200 Colorado Springs, CO 80905

Hub International Ins Svcs Inc

111 S Tejon St Ste 113 Colorado Springs, CO 80903

Six & Geving Insurance, Inc.

3630 Sinton Rd, Ste 200 Colorado Springs, CO 80907

Gray's Insurance Team

712 S Nevada Ave 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

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

DCI Commercial Insurance Resources

121 S. Tejon St 900 Colorado Springs, CO 80903

American Insurance Exchange

500 N Circle Dr #206 Colorado Springs, CO 80909

Insurance Network of Colorado

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

Griego Insurance Agency, Inc./ Colorado Springs

4260 Buckingham Dr Ste 104 Colorado Springs, CO 80907

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

Western Group Inc - Colorado Springs

2860 S Circle Drive #150 Colorado Springs, CO 80906

Specialty Insurance Partners

1221 Lake Plaza Drive Colorado Springs, CO 80906

See All

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

icon_coffee

225

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

See How Much You Can Save in Colorado Springs

Just enter your zip code to get started

Your information is secure.

Recent Questions:

Colorado Springs Car Insurance

How can my insurance company check for a lien if I’m in another state?

Oct 03, 2018

I’m not sure if the vehicle is paid off? Do they have to contact my insurance company to find out?...

Do I have to contact my insurance after an accident with a rental car?

Aug 18, 2018

Hi I rented a car from budget and declined insurance paid with amex. I got hit by someone who ran ...

Additional Resources:

Colorado Springs Car Insurance

How to Update Your Driver’s License When You Move to a New State
How to Update Your Driver’s License When You Move to a New State
Jul 28, 2017

Moving to a new state can be an exciting adventure. As with most moves, it requires a bit of paperwork...

Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017

  Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...

Digital Insurance Cards: Which States Accept Them?
Digital Insurance Cards: Which States Accept Them?
May 19, 2017

You probably already take care of your banking errands on your phone (thanks, mobile check deposits!). You may have shown...

Car Insurance for First-Time Drivers: 6 Things You Should Know
Car Insurance for First-Time Drivers: 6 Things You Should Know
Apr 03, 2017

A driver’s license is more than just permission to take to the open road. To many, including first-time drivers, it...

Driverless Car Laws by State
Driverless Car Laws by State
Mar 16, 2017

While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...

How Does the Government Affect What You Pay for Car Insurance?
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017

  With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

4 Consequences of Driving without Insurance
4 Consequences of Driving without Insurance
Jan 27, 2017

If you drive in the U.S., you simply have to have car insurance. It’s the law. (Even residents of New...

The Rundown on “No Refusal” Weekends
The Rundown on “No Refusal” Weekends
Dec 20, 2016

The holidays are a hazardous time to be on the roads, and believe us, cops know it. They’re closely monitoring...

How Long After a Car Crash Can You File a Claim?
How Long After a Car Crash Can You File a Claim?
Dec 13, 2016

Auto insurance rules aren’t simple: each state sets its own regulations about everything from whether or not a driver’s credit...

What’s the Most Expensive Traffic Ticket in Your State?
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016

If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...

Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Don’t Count on Anti-Theft Devices to Lower Your Insurance Rate – Here’s Why
Nov 02, 2016

We know that tech and automotive companies are racing to create increasingly connected, autonomous cars. In fact, many of us...

Driver’s License Points: Do They Matter?
Driver’s License Points: Do They Matter?
Sep 23, 2016

In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...

Who Pays More for Car Insurance: Democrats or Republicans?
Who Pays More for Car Insurance: Democrats or Republicans?
Aug 22, 2016

Red states, blue states, and battleground states: we’ll hear a lot about the political leanings of the 50 U.S. states...

Which States Have the Cheapest Car Insurance?
Which States Have the Cheapest Car Insurance?
Aug 02, 2016

Car insurance companies consider all sorts of factors to assess risk and set rates for different drivers. Here at The...

Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Welcome to Data Heaven: Introducing The 2016 State of Auto Insurance Report
Aug 02, 2016

Drumroll please… Today, The Zebra introduces to you, fine readers, our first annual State of Auto Insurance Report! Did you...

Study: Poor Credit Will Cost You Double for Car Insurance
Study: Poor Credit Will Cost You Double for Car Insurance
May 03, 2016

Most folks consider credit a crucial factor in determining what they pay for home mortgages and other big life expenses, but far...