Cheapest Auto Insurance in Colorado Springs, Colorado (2025)

Colorado Springs drivers pay an overall average of $160 per month for car insurance, which is higher than the Colorado state average of $150. At 6,000 feet above sea level, Colorado Springs boasts scenic mountain views that draw plenty of tourists. These visitors can increase traffic on Colorado Springs roads, which might explain the city’s higher insurance costs.

Learn which companies offer cheap insurance in Colorado Springs and how to find the lowest rate for your unique driving profile.

6 of the cheapest car insurance companies in Colorado Springs

The best car insurance company for you will depend on your budget and specific needs as a driver. The following table outlines three of the cheapest car insurance companies in Colorado Springs and the drivers best suited for each company.

Best insurer for liability-only coverage: State Farm

Best insurer for drivers with DUIs: GEICO

Best insurer for military members and their families: USAA

How to get the cheapest car insurance in Colorado Springs

Several factors affect the costs of car insurance, such as age, driving history, and choice of vehicle. Luckily, you can save on car insurance by using the following strategies:4

• Choose a higher deductible. Your deductible is the amount you pay out of pocket on a claim before your insurance kicks in. Generally, drivers with higher collision and comprehensive deductibles pay lower monthly car insurance rates. Liability coverage doesn’t have a deductible.

• Look for discounts. When you sign up for a policy, it’s a good idea to check your company’s website or ask your agent for discounts. Most companies reward drivers who practice safe driving, install safety features, or purchase other policies, such as homeowners insurance or renters insurance, from the same insurer.

• Pick a safe car. Fancy sports cars are considered high-risk, meaning they have a higher chance of leading to expensive claims. Choose a vehicle with a strong safety record and safety features in order to save on car insurance.

• Shop around. Different companies offer different rates. The best way to find the lowest rate is to receive quotes from several companies, then compare them side by side using an online comparison tool.

Cheapest liability-only car insurance in Colorado Springs: Progressive

If you cause an accident, liability insurance covers the costs of the other driver’s repairs and medical bills. Liability-only insurance won’t cover the cost of repairing your own vehicle. Below are some of the cheapest car insurance companies in Colorado Springs for liability-only insurance.

Liability insurance in Colorado Springs costs an average of $103 per month. Check out liability quotes in the table below.

Cheapest full-coverage car insurance in Colorado Springs: State Farm

Full-coverage auto insurance goes a step beyond liability-only insurance by including collision coverage and comprehensive coverage. Collision coverage helps with the cost of repairs to your own car after an accident, while comprehensive coverage is for damage to your car from non-collision events, such as fire, severe weather, or theft.

Drivers of new, high-value, or financed cars should consider full coverage.

Colorado Springs drivers pay $218 per month for full coverage, on average. Below are the cheapest full-coverage car insurance options in Colorado Springs.

Car insurance requirements in Colorado

Colorado requires all drivers to carry the following minimum amounts of liability insurance:1

Colorado is an at-fault state, which means the at-fault driver’s liability insurance will cover damages after an accident.2 Colorado Springs drivers looking for some added protection should consider the following optional coverages:

Cheapest car insurance for drivers with an incident

Drivers who have an incident on their driving record — such as speeding tickets, driving under the influence, or at-fault accidents — pay higher car insurance rates on average. Auto insurance companies will see you as a higher risk for future claims and raise your rates to offset that risk. How much your rates go up will vary based on the severity of the violation.

Cheapest car insurance for drivers with a speeding ticket: Progressive

Colorado drivers can face steep fines if they get a speeding ticket on their driving record — along with higher car insurance rates for three to five years. On average, drivers with speeding tickets pay $265 per month for full coverage and $125 for liability-only insurance in Colorado Springs.

The table below shows the cheapest coverage options in Colorado Springs for drivers with a speeding ticket in their driving history.

Cheapest car insurance for drivers with an at-fault accident: Progressive

Colorado is an at-fault state, which means the liability insurance of the driver at fault will cover damages in the event of an accident. Drivers with an at-fault accident on their record also pay more for car insurance compared to drivers with a clean driving record. Accidents typically stay on your record for three to five years.

The average cost of liability insurance for Colorado Springs drivers with an at-fault accident is $124 per month. Full coverage averages $263 per month. The following table shows the cheapest car insurance companies in Colorado Springs for drivers with an at-fault accident on their driving record.

Cheapest car insurance for drivers with a DUI: Progressive

A DUI is the most severe traffic violation and will usually raise your rates more than other violations. People in Colorado who drive while under the influence can get fined up to $1,500 and lose their license and car registration for anywhere from nine months to five years. You can lower your rates again by practicing safe driving for several years, then qualifying for discounts.

Colorado Springs drivers with DUIs face average monthly car insurance rates of $351 for full coverage and $166 for liability only. The following companies offer the cheapest car insurance policies for Colorado Springs drivers who have a DUI.

Cheapest car insurance for seniors: State Farm

Young drivers pay the most for car insurance on average, though car insurance rates usually increase again around age 70. Senior drivers in Colorado Springs may have to look a bit harder for an affordable rate.

The overall average cost of car insurance for seniors in Colorado Springs is $131 per month. The following table outlines the cheapest car insurance options for senior drivers in Colorado Springs.

Cheapest car insurance for teens: Progressive

Drivers younger than 20 have a fatal crash rate that’s three times as high as the fatal crash rate of drivers 20 and older, according to CDC data.3 Car insurance companies understand that teen drivers are riskier to insure, so they charge them higher rates for car insurance.

Teens can save on car insurance by staying on their parents’ insurance policy, purchasing a safe vehicle, or earning a good student discount. To legally purchase a car insurance policy of their own, minor teens must have written consent from a parent or guardian.

In Colorado Springs, car insurance for teen drivers averages $183 per month for liability-only coverage and $387 for full coverage. Teen drivers in Colorado Springs looking for an affordable car insurance company should consider the companies below.

Colorado Springs car insurance quotes by credit tier

Colorado allows car insurance companies to factor in a driver’s credit-based insurance score when determining rates, but it can’t be the only factor used during the underwriting process. Drivers with excellent or good credit scores pay lower rates on average compared to drivers with poor credit scores.

The chart below shows how credit affects quotes in Colorado Springs.

Is car insurance more expensive in Colorado Springs?

Colorado Springs drivers pay an overall average of $160 per month for car insurance, which is similar to the national average price for car insurance of $144 per month.

Car insurance rates vary by city in Colorado based on several factors, such as crime rates, repair costs, and even weather patterns. More expensive ZIP codes also tend to have higher rates.6

More cities in Colorado

The following table shows how Colorado Springs compares to other cities in the Centennial State when it comes to average car insurance quotes.