Colorado Springs Car Insurance - Colorado
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Why is car insurance so expensive in Colorado Springs?
Colorado Springs, like Denver and other large cities, is famous for its traffic. And with congestion comes an additional risk of an accident. Whether you're driving down Tejon or Platte street in Colorado Springs, driving on I-25 through the North East side, or up Monument Valley parkway (I've personally seen a deer run across there), you should expect to pay more for car insurance than if you lived somewhere less populated. If you live in rural areas surrounding Colorado Springs, though, insurance companies may provide cheaper rates. But make sure to check out our comparison tool before moving!
What car insurance coverage should I have in Colorado?
In Colorado, you are required to have Bodily Injury Liability and Property Damage Liability coverage. This is for protecting others from injury or death that may result from a car accident that occurred because you were driving your car. You must also carry Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist Coverage in case you are involved in a serious wreck where the at-fault driver cannot be identified or does not have enough insurance coverage to pay damages. Finally, it's recommended to have Medical Payments Coverage which can cover up to 80% of medical bills incurred after an accident which someone else caused.
How much car insurance do I need in Colorado?
Colorado is a ''fault'' state, which means your insurance company will cover you and pay up to policy limits (the maximum amount of coverage) for medical bills and damage to someone else's vehicle.
Colorado Springs Cheapest Companies
Cheapest Companies | Quotes |
---|---|
State Farm | $106/mo |
Nationwide | $163/mo |
Liberty Mutual | $210/mo |
Travelers | $246/mo |
The General | $267/mo |
Around Cities
Colorado Cities | |
---|---|
Denver | $217/mo |
Aurora | $230/mo |
Fort Collins | $142/mo |
Arvada | $175/mo |
Colorado Springs | $217/mo |
Colorado | $195/mo |
Colorado Springs Best Companies
Best Companies | Score ? | Quotes ? |
---|---|---|
American Family | 89 | $267/mo |
Safeco | 86 | $252/mo |
Liberty Mutual | 82 | $337/mo |
Travelers | 80 | $214/mo |
Colorado Springs Drivers by Age
Driver Age | Avg. Monthly Cost |
---|---|
teens | $471 |
20s | $310 |
30s | $230 |
40s | $243 |
50s | $270 |
60s | $185 |
70s | $212 |
80s | $221 |
Driving History
Driving History | Avg. Monthly Cost |
---|---|
No Violation | $255 |
Speeding Ticket | $285 |
At-Fault Accident | $292 |
Failure to Stop for Red Light / Stop Sign | $297 |
Colorado Springs Scores
Credit Tie | Avg. Monthly Cost |
---|---|
Excellent | $259 |
Good | $298 |
Average | $268 |
Poor | $247 |
Colorado Springs Ratings
Cities with Most DUIs Rank | #15 |
Cities with Most Moving Violations Rank | #12 |
Most Popular Car in state | Honda Civic |
Cities with Most Speeding Tickets Rank | #13 |
Cities with Most Suspended Licenses Rank | #15 |
Averages
Colorado Springs Average (yearly) | Colorado Average | National Average |
$1916 | $1766 | $1559 |
Group by Genders
Marital Status/Gender | Average Annual Rate |
Female | $1917 |
Male | $1919 |
Single | $1793 |
Married | $1796 |
Divorced | $1895 |
Widowed | $1835 |
Violations
Incident | Average Yearly Rate |
DWI/DUI | $2578 |
Reckless Driving | $2587 |
$1011 | $2376 |
$2020 | $2667 |
Speeding Ticket (16-20 mph over speed limit) | $2235 |
Colorado Springs Info
Major Highways | I-25,U.S. 24,SH 21 |
Public Transit | MMT Bus,, |
Toll Roads | E-470,, |
Colorado Springs Zipcodes
- 80901
- 80902
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- 80906
- 80907
- 80908
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- 80910
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- 80920
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- 80922
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- 80925
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- 80927
- 80928
- 80929
- 80930
- 80931
- 80932
- 80933
- 80934
- 80935
- 80936
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- 80938
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- 80941
- 80942
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- 80944
- 80945
- 80946
- 80947
- 80949
- 80950
- 80951
- 80960
- 80962
- 80970
- 80977
- 80995
- 80997
Other cities of same state
- Arvada Car Insurance
- Centennial Car Insurance
- Colorado Springs Car Insurance
- Littleton Car Insurance
Other cities from different states
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
Discount | Savings |
---|---|
Multi-policy | $64 |
Multi-vehicle | $61 |
Homeowner | $17 |
5-yr Accident Free | $81 |
5-yr Claim Free | $86 |
Paid in Full/EFT | $47 |
Advance Quote | $66 |
Online Quote | $94 |
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Discounts are estimated and may not be available from every company or in every state.