Cheapest Car Insurance Quotes In Colorado Springs, CO For 2025
State Farm offers the most affordable minimum coverage car insurance in Colorado Springs, costing an average of $50 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Searching for the most affordable car insurance in Colorado Springs, CO, can reveal a wide range of options.
State Farm stands out as the most affordable option for liability-only coverage, while American Family provides the best rates for full coverage. For young drivers, State Farm offers the lowest prices.
Cheapest Car Insurance Companies In Colorado Springs, CO
Cheapest Liability-only Car Insurance In Colorado Springs: State Farm
In Colorado Springs, State Farm offers the lowest-priced minimum coverage car insurance, averaging $50 per month.
Refer to the table below to compare insurance rates from various providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $50 | $600 |
| Allstate | $76 | $912 |
| American Family | $67 | $804 |
| Progressive | $85 | $1,020 |
| Nationwide | $80 | $960 |
Cheapest Full Coverage Insurance Rates In Colorado Springs: American Family
American Family offers the most affordable full coverage car insurance in Colorado Springs, with an average monthly rate of $140.
The following table shows average car insurance quotes from budget-friendly providers in Colorado Springs.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $140 | $1,680 |
| GEICO | $154 | $1,848 |
| Allstate | $157 | $1,884 |
| Nationwide | $167 | $2,004 |
| Progressive | $174 | $2,088 |
Cheapest Car Insurance Rates For Seniors: American Family
American Family offers the lowest car insurance rates for seniors in Colorado Springs, with an average monthly cost of $106.
The table below displays average quotes from the most affordable auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $106 | $1,272 |
| Nationwide | $119 | $1,428 |
| Progressive | $122 | $1,464 |
| Allstate | $120 | $1,440 |
| Safeco | $175 | $2,100 |
Cheapest Rates In Colorado Springs For Teenagers: American Family
American Family offers the lowest car insurance rates for teenage drivers in Colorado Springs, with an average monthly premium of $250.
Below is a table listing the companies that offer the lowest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $250 | $3,000 |
| Auto-Owners | $313 | $3,756 |
| Allstate | $292 | $3,504 |
| Travelers | $479 | $5,748 |
| Progressive | $322 | $3,864 |
Cheapest Auto Insurance For Young Adults in Colorado Springs: State Farm
At $152 per month, State Farm offers the best-priced car insurance for young adults in Colorado Springs.
The table below offers a side-by-side comparison of the best rates for young adult auto insurance in Colorado Springs.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $152 | $1,824 |
| Allstate | $230 | $2,760 |
| Colorado Farm Bureau | $187 | $2,244 |
| National Farmers | $256 | $3,072 |
Cheapest Car Insurance In Colorado Springs For Good Drivers: State Farm
With an average monthly premium of $50, State Farm has the most affordable car insurance for good drivers in Colorado Springs.
Good drivers can use the table below to compare average quotes from the cheapest insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $50 | $600 |
| Allstate | $76 | $912 |
| American Family | $67 | $804 |
| Progressive | $85 | $1,020 |
| Nationwide | $80 | $960 |
Find affordable Colorado Springs rates
Cheapest Car Insurance In Colorado Springs After A Speeding Ticket: American Family
In Colorado Springs, American Family provides low-cost insurance for drivers with a speeding ticket, averaging $88 per month.
The table below helps you find average car insurance rates for drivers with a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $88 | $1,056 |
| Allstate | $101 | $1,212 |
| Auto-Owners | $115 | $1,380 |
| Nationwide | $107 | $1,284 |
| GEICO | $99 | $1,188 |
Cheapest For Drivers With After At-Fault Accident: GEICO
GEICO offers the best car insurance rates for drivers with an at-fault incident, with an average premium of $100 per month.
Here’s a list of car insurers with the most competitive rates for drivers with an at-fault accident on their driving history.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $100 | $1,200 |
| Nationwide | $109 | $1,308 |
| Travelers | $162 | $1,944 |
| Auto-Owners | $116 | $1,392 |
| Foremost | $170 | $2,040 |
Cheapest Rates In Colorado Springs For Drivers After A DUI: GEICO
GEICO leads in affordability for Colorado Springs drivers with a DUI, with average monthly rates of $122.
Use the table below to find the most budget-friendly car insurance rates for Colorado Springs drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $122 | $1,464 |
| Nationwide | $128 | $1,536 |
| Auto-Owners | $140 | $1,680 |
| Farmers | $204 | $2,448 |
| Travelers | $194 | $2,328 |
Best Car Insurance Companies In Colorado Springs
State Farm leads the way in affordable car insurance for Colorado Springs drivers, at $50 a month, while American Family and Allstate charge $67 and $76 per month.
The top 10 car insurance companies in Colorado Springs, CO, are ranked below according to the average monthly premium they offer.
| Company | Monthly Premium |
| State Farm | $50 |
| Allstate | $76 |
| American Family | $67 |
| Progressive | $85 |
| Nationwide | $80 |
| Root | $82 |
| Sun Coast | $85 |
| Auto-Owners | $87 |
| Safeco | $120 |
| Travelers | $124 |
Average Auto Insurance Rates In Colorado Springs – By Age
Car insurance premiums are largely influenced by age, with younger drivers often facing higher rates because of their lack of experience and greater tendency to be involved in accidents. Teenagers usually pay around $3,795 each year.
Once drivers reach 25, their car insurance rates often start to drop, as long as they continue to have a clean driving record.
Drivers in their 50s and early 60s typically see the most competitive rates, as age is used by insurers to assess experience and risk, affecting premium costs.
| Age | Average Yearly Rate |
| Teenagers | $3,795 |
| 20s | $2,776 |
| 30s | $1,892 |
| 40s | $1,947 |
| 50s | $1,574 |
| 60s | $1,659 |
| 70s | $1,738 |
Average Rates In Colorado Springs – By Vehicle
Insurance companies consider your vehicle’s make, model, year, and body type when determining premiums. Newer vehicles, particularly high-end models with advanced features and higher replacement costs, often have higher insurance rates.
The table below outlines the average car insurance premiums in Colorado Springs for various vehicles.
| Vehicle | Average Monthly Rate |
| Toyota Tundra | $138 |
| Kia Soul | $192 |
| BMW 328 | $164 |
| Hyundai Accent | $306 |
| Chevrolet Colorado | $664 |
Average Cost Of Auto Insurance In Colorado Springs – By Zip Code
Car insurance premiums vary by zip code because insurers factor in local crime rates when determining rates.
Below is a table displaying average car insurance rates for different Colorado Springs zip codes.
| Zip Code | Average Monthly Rate |
| 80923 | $180 |
| 80916 | $183 |
| 80903 | $150 |
| 80906 | $164 |
| 80915 | $170 |
How Much Is Car Insurance In Other Cities in Colorado?
Your car insurance premiums are affected by your location, with cities typically having higher rates due to factors such as higher risks of accidents, vehicle theft, and vandalism.
For example, Denver drivers often pay about $268 per month for car insurance, while in Grand Junction, the average cost is $176 a month.
| City | Average Monthly Rate |
| Englewood | $252 |
| Fort Collins | $205 |
| Golden | $235 |
| Grand Junction | $176 |
| Arvada | $230 |
| Aurora | $267 |
| Boulder | $220 |
| Broomfield | $217 |
| Pueblo | $250 |
| Denver | $268 |
Find affordable Colorado Springs rates
Our Methodology
I’ve conducted a detailed analysis that evaluates customer service, pricing, product options, and online user reviews to offer a thorough look at the landscape of car insurance providers in Colorado Springs, CO.
Quotes Analyzed
Years Of Industrial Experience
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FAQs
Who has the lowest car insurance rates in Colorado Springs?
In Colorado Springs, State Farm offers the lowest rates for minimum coverage, while American Family offers the best rates for full coverage, which includes both comprehensive and collision insurance.
What is the average cost of car insurance in Colorado Springs?
The cost of car insurance in Colorado Springs averages $170 per month, though factors such as zip code, car make and model, and driving record can lead to different rates.
