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 Average||State Average||National Average|
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
|Credit||Average Auto Insurance Rate|
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
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/Gender||Average Rate|
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 Violation||Average Annual Premium|
|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
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
The average Colorado Springs resident's annual cost of coverage
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