Cheapest Car Insurance Quotes in Colorado Springs

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Colorado Springs Car Insurance

^$ 25

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Colorado Springs

The car insurance rate in Colorado Springs is $1141 for a six-month policy, which is $54 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $386, making it a popular choice for budget-conscious drivers. Rates in Colorado Springs can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Colorado Springs

$1141

Avg. Car Insurance in Colorado

$1087

National Average

$1278

Cheapest Car Insurance Companies in Colorado Springs

1st place: Colorado Farm Bureau

At $386 for a six month policy, Colorado Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American National P&C

American National P&C offers auto insurance rates at $424 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $636 for six months, making it the third cheapest auto insurance company in Colorado Springs.

Colorado Springs Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Colorado Springs, CO is Colorado Farm Bureau, offering policies at just $386 for a six-month term. This is followed by American National P&C, which has an average six-month premium of $424.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1797 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Colorado Springs drivers find the best deals.

Cheap Car Insurance Companies in Colorado Springs, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$386	$66
American National P&C	$424	$70
Auto-Owners Insurance Co	$636	$108
Acuity	$692	$116
Colorado Farm Bureau Mutual	$836	$142
American Family	$1010	$170
American National	$1048	$179
State Farm	$1141	$192
USAA	$1160	$195
Farmers	$1341	$224
Progressive	$1453	$245
Allstate	$1803	$303
Nationwide	$2276	$387
Auto-Owners	$1129	$188
Farm Bureau	$1797	$306

Key Takeaways

Way's key takeaways about car insurance in Colorado Springs

The auto insurance costs in Colorado Springs fall around $386 for six months.
The cheapest auto insurance company in Colorado Springs is Colorado Farm Bureau.
Teen drivers pay the highest rate in Colorado Springs at $628 per month.

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Cheapest Minimum Liability Car Insurance in Colorado Springs

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Colorado Springs are given below.

Colorado Farm Bureau provides the cheapest minimum car insurance coverage in Colorado Springs. Their Average 6 Month Premium is $150. AutoOwners is the most expensive at $418 for the same period.

Cheapest Liability Coverage in Colorado Springs, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$150	$25
American National P&C	$162	$27
American National	$193	$33
Colorado Farm Bureau Mutual	$231	$39
USAA	$256	$43
Auto-Owners Insurance Co	$293	$49
Farm Bureau	$299	$50
Acuity	$318	$54
State Farm	$337	$57
Progressive	$350	$59
American Family	$362	$61
Farmers	$431	$74
Allstate	$662	$111
Nationwide	$692	$118
Auto-Owners	$418	$69

Cheapest Full Coverage Car Insurance in Colorado Springs

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Colorado Springs is Colorado Farm Bureau at $66 per month and $386 for six months.

Cheapest Full Coverage Car Insurance Quotes in Colorado Springs, CO

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$386	$66
American National P&C	$424	$70
Auto-Owners Insurance Co	$636	$108
Acuity	$692	$116
Colorado Farm Bureau Mutual	$836	$142
American Family	$1010	$170
American National	$1048	$179
State Farm	$1141	$192
USAA	$1160	$195
Farmers	$1341	$224
Progressive	$1453	$245
Allstate	$1803	$303
Nationwide	$2276	$387
Auto-Owners	$1129	$188
Farm Bureau	$1797	$306

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Average Car Insurance in Colorado Springs by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Colorado Springs, CO increasing?

Despite maintaining a clean driving record, your car insurance rates in Colorado Springs, Colorado, may be increasing due to several external factors. Colorado has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Colorado Springs's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Colorado Springs

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Colorado Springs,CO

If you are planning to get a car insurance policy for your teenage dependent, American National provides the cheapest car insurance in the Colorado Springs at $26 per month. At $3692 for a six-month premium, AutoOwners offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National	$156	$26
American National P&C	$193	$33
California Casualty	$218	$37
Colorado Farm Bureau	$274	$46
Auto-Owners Insurance Co	$399	$68
USAA	$1447	$244
American Family	$2251	$379
State Farm	$2295	$386
Progressive	$2732	$460
Allstate	$4597	$767
Nationwide	$7266	$1236
Colorado Farm Bureau Mutual	$1428	$243
Farmers	$9212	$1551
Auto-Owners	$3692	$628

Teen Car Insurance Rates in CO by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Colorado Springs, Colorado Farm Bureau is the cheapest car insurance provider. At $293 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Colorado Springs is AutoOwners, offering rates of around $3418 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$293	$49
Acuity	$449	$77
Farmers	$530	$88
American Family	$1460	$246
Progressive	$1933	$326
USAA	$2164	$368
Nationwide	$3456	$575
Allstate	$3836	$652
State Farm	$6674	$1112
Auto-Owners	$3418	$581

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Car Insurance Rates with An Accident in Colorado Springs

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Colorado Springs, CO, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Colorado Springs

The cheapest car insurance companies after an at-fault accident in Colorado Springs include Colorado Farm Bureau and American National, offering $187 and $218, respectively. AutoOwners is an expensive provider with an average six-month premium of $1877.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$187	$32
American National	$218	$37
American National P&C	$231	$39
Farm Bureau	$293	$49
California Casualty	$424	$70
State Farm	$811	$137
USAA	$929	$156
American Family	$1235	$208
Progressive	$1727	$291
Allstate	$3543	$603
Nationwide	$3992	$666
Colorado Farm Bureau Mutual	$980	$167
Farmers	$3437	$579
Auto-Owners	$1877	$313

Colorado Springs Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Colorado Springs CO. For example, the car insurance in Colorado Springs after a DUI increases to for a six month policy. While the rate increases by for a six-month policy in the case of a speeding ticket.

Colorado Springs auto insurance quotes by violations

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Colorado Springs after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Colorado Springs.

The cheapest car insurance premiums in Colorado Springs are offered by Colorado Farm Bureau at $218 for a six-month policy. However, it can be as expensive as $2333 with companies like AutoOwners.

Colorado Springs car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Colorado Farm Bureau	$218	$37
American National	$231	$39
American National P&C	$261	$44
Farm Bureau	$343	$57
Farmers	$518	$88
Progressive	$1048	$176
State Farm	$1266	$213
USAA	$1347	$227
American Family	$1428	$240
Allstate	$3038	$506
Nationwide	$5389	$917
Colorado Farm Bureau Mutual	$998	$170
Auto-Owners	$2333	$397

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Colorado Springs are offered by American National P&C at $193. However, it can be as expensive as $1173 with companies like AutoOwners for a similar six-month premium.

Cheapest Car Insurance in Colorado Springs after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American National P&C	$193	$33
Colorado Farm Bureau	$200	$34
Auto-Owners Insurance Co	$318	$53
State Farm	$954	$161
American Family	$1010	$170
USAA	$1341	$228
Progressive	$1553	$261
Allstate	$2526	$429
Nationwide	$3293	$549
Farmers	$4298	$731
Auto-Owners	$1173	$200

Car Insurance Price Trends in Colorado Springs, Colorado

Car insurance rates in Colorado Springs have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Colorado Springs dipped by $235 in March compared to $273 of February. In other words, there has been an decrease by $38 when you compare March and February.

The average cost of liability insurance in the Colorado Springs rose to $57 in March, compared to $50 in February. This represents an increase of $7 when comparing March and February.

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Average Car Insurance Cost in Colorado Springs by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Colorado Springs. At $1187 for a six-month policy, insuring your car at 80919 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
80919	$1187	$199
80918	$1232	$207
80913	$1141	$192
80911	$1209	$203
80910	$1198	$201
80917	$1198	$201
80938	$1141	$192
80916	$1209	$203
80915	$1175	$197
80914	$1141	$192
80920	$1209	$203
80909	$1209	$203
80908	$1175	$197
80907	$1187	$199
80929	$1141	$192
80902	$1164	$195
80924	$1152	$194
80923	$1198	$201
80922	$1187	$199
80921	$1187	$199
80928	$1141	$192
80906	$1209	$203
80905	$1164	$195
80927	$1141	$192
80904	$1175	$197
80926	$1141	$192
80903	$1164	$195
80925	$1164	$195
80930	$1141	$192
80951	$1141	$192

Frequently Asked Questions

How much is car insurance in Colorado Springs?

The car insurance in Colorado Springs is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Colorado Springs?

The cheapest car insurance in Colorado Springs is $66 per month for full coverage.

How much is car insurance in Colorado Springs for teenagers?

Car insurance for teenagers costs $156 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Colorado Springs?

The average cost of car insurance is $1087 for a six-month policy. It will cost around $192 per month to insure your car in Colorado Springs.

Is car insurance expensive in Colorado Springs?

Car insurance can be expensive in Colorado Springs if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Colorado Springs can be affordable.

What is the best car insurance in Colorado Springs, CO?

The best car insurance company in Colorado Springs CO is Colorado Farm Bureau, offering $386 for a six-month policy.