Best Cheap Car Insurance in Colorado Springs, CO
State Farm has the cheapest auto insurance in Colorado Springs. A full coverage policy costs an average of $170 per month.
Compare Car Insurance Rates in Colorado Springs, CO
Best cheap car insurance in Colorado Springs, CO
How we chose the top companies
Best and cheapest car insurance in Colorado Springs, Colorado
- Cheapest full coverage: State Farm, $170/mo
- Cheapest minimum liability: Progressive, $62/mo
- Cheapest for young drivers: American Family, $197/mo
- Cheapest after a ticket: State Farm, $182/mo
- Cheapest after an accident: State Farm, $195/mo
- Cheapest for teens after a ticket: American Family, $214/mo
- Cheapest after a DUI: Progressive, $342/mo
- Cheapest for poor credit: Geico, $319/mo
Monthly rates are based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
State Farm has the cheapest rates for full coverage auto insurance in Colorado Springs, CO. But, the company isn't a good choice for drivers who have a DUI or poor credit.
Progressive is a good option for drivers who only need a minimum liability policy. But, you shouldn't choose Progressive if customer service is a top priority for you.
Cheapest car insurance in Colorado Springs: State Farm
State Farm has the most affordable full coverage car insurance in Colorado Springs, CO.
State Farm charges an average of $170 per month for full coverage auto insurance. That's roughly two-thirds the cost of the citywide average for a full coverage policy in Colorado Springs.
Auto-Owners is also a good choice for coverage, at $182 per month, on average.
Find Cheap Auto Insurance Quotes in Colorado Springs
USAA also has cheap full-coverage auto policies, at $165 per month, on average. However, you can only buy insurance from USAA if you or someone in your immediate family are a current or former member of the military.
Cheapest full coverage car insurance in Colorado Springs
Company | Monthly rate | ||
|---|---|---|---|
| State Farm | $170 | |
| Auto-Owners | $182 | |
| American Family | $201 | |
| Geico | $215 | |
| Progressive | $227 | |
*USAA is only available to current and former military members and their families.
Cheapest minimum coverage in Colorado Springs: Progressive
Progressive has the cheapest minimum liability car insurance in Colorado Springs, at $62 per month, on average.
That's roughly three-quarters the citywide average of $83 per month.
Best cheap liability auto insurance
Company | Monthly rate |
|---|---|
| Progressive | $62 |
| State Farm | $62 |
| American Family | $62 |
| Auto-Owners | $70 |
| Geico | $70 |
*USAA is only available to current and former military members and their families.
Find Cheap Auto Insurance Quotes in Colorado Springs
Cheapest car insurance for teens in Colorado Springs: American Family
American Family has the cheapest liability-only coverage for teen drivers in Colorado Springs, at $197 per month, on average.
That's roughly two-thirds the citywide average of $294 per month.
State Farm has the most affordable full coverage policies for teen drivers, at $490 per month, on average. That's 35% cheaper than the citywide average for teens in Colorado Springs.
Monthly car insurance rates for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| American Family | $197 | $569 |
| State Farm | $214 | $490 |
| Geico | $225 | $583 |
| Auto-Owners | $268 | $598 |
| Progressive | $298 | $957 |
*USAA is only available to current and former military members and their families.
Use common car insurance discounts to lower your teen driver's monthly rates. For example, your teen driver can usually get a better deal on their car insurance by completing a safety course and by taking advantage of safe driver discounts.
Many companies also offer special discounts for teen drivers, such as for being a good student or going to a school away from home.
Cheapest coverage after a speeding ticket in Colorado Springs: State Farm
State Farm has the cheapest rates for drivers in Colorado Springs who have a speeding ticket on their record, at $182 per month, on average. That's close to half the citywide average of $326 per month.
Cheapest coverage after a speeding ticket
Company | Monthly rate |
|---|---|
| State Farm | $182 |
| Auto-Owners | $190 |
| American Family | $236 |
| Geico | $286 |
| Allstate | $345 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance in Colorado Springs after an accident: State Farm
State Farm has the most affordable auto insurance in Colorado Springs for drivers who've been in an at-fault accident, at an average of $195 per month. That's less than half the city average of $394 per month.
Cheapest car insurance after an accident
Company | Monthly rate |
|---|---|
| State Farm | $195 |
| American Family | $299 |
| Auto-Owners | $304 |
| Geico | $401 |
| Progressive | $404 |
*USAA is only available to current and former military members and their families.
If you get into a car crash, your auto insurance rates will typically go up when it's time to renew. Consider shopping around when it's time to renew to get the best deal on your auto insurance.
Cheapest quotes for teens after a ticket: American Family
American Family has the most affordable auto insurance for teen drivers who've gotten a ticket, at $214 per month, on average. That's 37% cheaper than the Colorado Springs average of $342.
Teen drivers who have an accident on their record should consider State Farm. At $259 per month, on average, State Farm has the cheapest rates for teens in Colorado Springs who've been in an accident.
Monthly minimum coverage rates for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| American Family | $214 | $291 |
| State Farm | $235 | $259 |
| Geico | $265 | $363 |
| Auto-Owners | $281 | $477 |
| Progressive | $401 | $425 |
*USAA is only available to current and former military members and their families.
Cheapest car insurance for Colorado Springs drivers with a DUI: Progressive
Progressive has the cheapest auto insurance in Colorado Springs if you have a DUI, at $342 per month, on average.
That's roughly three-quarters the Colorado Springs average of $449 per month.
Cheapest Colorado Springs car insurance after a DUI
Company | Monthly rate |
|---|---|
| Progressive | $342 |
| American Family | $352 |
| Auto-Owners | $377 |
| Geico | $393 |
| State Farm | $397 |
*USAA is only available to current and former military members and their families.
In Colorado Springs, a DUI will increase your monthly rate by $196 per month, on average.
Cheapest quotes for Colorado Springs drivers with poor credit: Geico
Drivers in Colorado Springs who have a low credit score should consider Geico. A full coverage policy from Geico costs $319 per month for these drivers. That's 36% cheaper than the city average of $496 per month.
Cheap car insurance in Colorado Springs for poor credit
Company | Monthly rate |
|---|---|
| Geico | $319 |
| American Family | $343 |
| Progressive | $411 |
| Nationwide | $524 |
| Allstate | $534 |
*USAA is only available to current and former military members and their families.
In Colorado Springs, auto insurance costs roughly twice as much for drivers who have a low credit score.
Drivers with poor credit scores pay higher auto insurance rates because companies believe these drivers file claims at higher rates than drivers with good credit scores.
Average cost of Colorado Springs auto insurance by neighborhood
How much you pay for car insurance depends on where you live in Colorado Springs.
Insurance companies use ZIP codes when determining your auto insurance rates because factors like theft, vandalism and traffic can vary between locations. However, in Colorado Springs, the difference between the cheapest and most expensive neighborhoods is quite small — just $27 per month.
Car insurance in Colorado Springs is most expensive in Morrison Park, a subdivision surrounded by hills and nature in the northeastern corner of the city. Rates are cheapest in Ute Valley Park, an affluent neighborhood in the northwestern portion of the city.
Full coverage quotes by Colorado Springs ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 80902 | $245 | -1% |
| 80903 | $250 | 1% |
| 80904 | $241 | -3% |
| 80905 | $251 | 1% |
| 80906 | $247 | 0% |
Frequently asked questions
Who has the cheapest auto insurance in Colorado Springs, CO?
State Farm has the cheapest full coverage auto insurance in Colorado Springs, at $170 per month for full coverage, on average. Progressive has the most affordable liability-only policies, at an average cost of $62 per month.
What's the best car insurance in Colorado Springs?
State Farm has the best car insurance in Colorado Springs. The company has a strong 4.5-out-of-5 star rating from ValuePenguin editors, plus it scored high on customer satisfaction according to a recent J.D. Power survey.
USAA also has a strong reputation for customer satisfaction and low prices, but you can only buy a USAA policy if you or an immediate family member are a current or former member of the military.
What is the average price of car insurance in Colorado Springs?
The average cost of car insurance in Colorado Springs is $253 per month for a full coverage policy and $83 per month for a liability-only policy.
Methodology
To find the best cheap car insurance in Colorado Springs, CO, ValuePenguin collected quotes from nine of the most popular insurance companies in Colorado. Rates are for a 30-year-old single man with good credit and no accident history who drives a 2015 Honda Civic EX.
Full coverage policies include comprehensive and collision coverage, plus liability limits that meet the Colorado state requirements.
- Bodily injury liability: $50,000 per person/$100,000 per accident
- Property damage liability: $25,000 per accident
- Personal injury protection: $10,000
- Uninsured/underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Comprehensive and collision: $500 deductible
ValuePenguin's analysis used insurance rate data from Quadrant Information Services. These rates came from public insurance company filings and should be used for comparative purposes only. Your own quotes may differ.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.