How much does car insurance cost in Colorado Springs?
The average car insurance rate in Colorado Springs is $1,903 per year. That's more than the statewide average in Colorado ($1,757) and more expensive than the national average of $1,548. Our guide to Colorado Springs auto insurance includes average rates based on age, credit score, driving history, and marital status. Read on to learn more!
COLORADO SPRINGS CAR INSURANCE RATES
|Colorado Springs Average (yearly)||Colorado Average||National Average|
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Colorado Springs car insurance costs by provider
One of the best ways to save on auto insurance is to compare rates from multiple companies and to choose the insurer that best fits your coverage needs. For a typical driver, USAA offers Colorado Springs's cheapest rates. See below the best options for affordable auto insurance in Colorado Springs. Don't forget to get car insurance quotes based on your driving profile.
COLORADO SPRINGS CAR INSURANCE RATES BY COMPANY
|Insurer||Average Yearly Rate|
Car insurance rates by age bracket in Colorado Springs
Colorado Springs drivers in their 50s enjoy relatively affordable auto insurance rates, paying just $1,703per year, on average. Drivers in their 60s pay marginally higher rates — $1,716 per year.
The Colorado Springs drivers who pay the highest insurance rates are teenagers. When Colorado Springs drivers hit their 20s, their insurance rates drop substantially. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Colorado Springs is $4,243, the largest such difference between any two age groups.
COLORADO SPRINGS CAR INSURANCE RATES BY DRIVER AGE
|Age bracket||Average Annual Rate|
Colorado Springs auto insurance costs by marital status and gender
In some cases, a driver's marital status and gender may affect their car insurance rates. In Colorado Springs, married drivers pay $125 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Colorado Springs, single drivers pay more than those who are widowed.
Gender is another factor that can influence auto insurance rates. In Colorado Springs, female drivers pay more for auto insurance than do male drivers: $14 per year, to be precise.
COLORADO SPRINGS AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Annual Rate|
Colorado Springs car insurance costs by incident history
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Colorado Springs drivers found guilty of reckless driving pay a steep price when it comes to auto insurance, facing a rate increase of $691 per year versus the city average. A ticket for speeding results in a $339 rate hike while a DWI or DUI violation costs $654per year in extra insurance expenditures.
COLORADO SPRINGS CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Incident||Average Yearly Rate|
|At-fault Accident (damages < $1,000)||$2,367|
|At-fault Accident (damages greater than $2,000)||$2,680|
|Speeding Ticket (16-20 mph over speed limit)||$2,242|
Colorado Springs auto insurance rates by credit score
A driver's credit level can be closely correlated with their auto insurance rates. Colorado Springs drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 58% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Colorado Springs, improving your credit to "Fair" could help you earn $1,374 in savings on insurance premiums each year.
COLORADO SPRINGS AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Level||Average Rate (annual)|
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, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Colorado Springs Agents
Insurance Network of Colorado
2525 W. Pikes Peak Ave. Suite C, Colorado Springs, CO 80904
Align Group Ins dba Don Bates Insurance
2407 W Colorado Avenue, Colorado Springs, CO 80904
Western Insurance Solutions Inc
4740 Flintridge Drive Suite 115, Colorado Springs, CO 80918
CoWest Of Colorado Springs
500 N Circle Dr #201, Colorado Springs, CO 80909
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
Gray's Insurance Team
712 S Nevada Ave, Colorado Springs, CO 80903
Martin Burlingame Agency
1773 S 8th St 200, Colorado Springs, CO 80905
Insurance Connection LLC
2020 E Pikes Peak Ave, Colorado Springs, CO 80909
Brown & Brown Insurance
101 N Cascade Ave Ste 410, 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
Griego Insurance Agency, Inc./ Colorado Springs
4260 Buckingham Dr Ste 104, Colorado Springs, CO 80907
Colorado Springs Insurance Inc
5350 N ACADEMY BLVD, COLORADO SPRINGS, CO 80918
Schaefer Agency, Inc.
524 N Tejon, Colorado Springs, CO 80903
Hub International Ins Svcs Inc
111 S Tejon St Ste 113, Colorado Springs, CO 80903
Specialty Insurance Partners
1221 Lake Plaza Drive Suite D, Colorado Springs, CO 80906
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