Drivers in Colorado Springs have many great options for auto insurance. The average cost for full coverage car insurance is $3,499 a year, which is 7% higher than the state average. But, by comparing quotes and using discounts, drivers can find affordable and reliable coverage.
Some top auto insurance companies in Colorado Springs are Geico, Progressive, State Farm, Auto-Owners, and USAA. These companies offer various coverage options and competitive rates. They cater to the different needs of Colorado Springs drivers. Whether you’re on a budget, a high-risk driver, or a military family, there’s a provider for you.
Key Takeaways
- Geico offers the most affordable full coverage car insurance in Colorado Springs, with average rates of $126 per month.
- Progressive is the best option for high-risk drivers, providing coverage despite factors like speeding tickets or at-fault accidents.
- State Farm is known for its personalized service and extensive network of local agents in Colorado Springs.
- Auto-Owners Insurance provides customizable coverage options to meet the unique needs of Colorado Springs drivers.
- USAA is the top choice for military families and veterans in Colorado Springs, offering competitive rates and specialized services.
Overview of Auto Insurance in Colorado Springs
Colorado Springs is the second-largest city in Colorado and has a diverse population. People here have different auto insurance needs. They pay a bit more for car insurance than the state average.
On average, drivers in Colorado Springs pay $165 a month for car insurance. This is more than the Colorado average of $157.
Average Cost of Car Insurance in Colorado Springs
Full-coverage car insurance in Colorado Springs costs about $236 a month. Liability-only coverage is $93 a month. Drivers pay an average of $2,836 a year for full-coverage.
Some top insurers like State Farm, USAA, and American Family offer lower rates. They help make insurance more affordable for Colorado Springs residents.
Minimum Coverage Requirements in Colorado
- Drivers in Colorado must have at least $25,000 per person and $50,000 per accident in bodily injury liability coverage.
- They also need a minimum of $15,000 in property damage liability coverage.
These minimum coverage requirements make sure drivers in Colorado Springs are responsible after an accident. They protect both the driver and other road users.
| Coverage Type | Minimum Required Limits |
|---|---|
| Bodily Injury Liability | $25,000 per person / $50,000 per accident |
| Property Damage Liability | $15,000 per accident |
“Colorado Springs auto insurance rates are $300 less than the national average.”
Top Car Insurance Companies in Colorado Springs
Looking for the best car insurance in Colorado Springs? Several companies stand out. Geico, Progressive, State Farm, Auto-Owners, and USAA are top choices. They offer great coverage, competitive rates, and excellent service.
Geico is great for those watching their budget. It offers many discounts. Progressive is perfect for drivers with a higher risk. It provides flexible coverage and solutions tailored to you.
State Farm is known for its personalized service from local agents. Auto-Owners offers coverage you can customize. For military members and their families, USAA is the go-to choice. It provides insurance products made just for them and outstanding support.
These five companies are among the best in Colorado Springs. They offer a wide range of features and benefits. This helps meet the different needs of drivers in the area.
| Insurance Company | Strengths | Average Annual Cost (Full Coverage) |
|---|---|---|
| Geico | Budget-friendly, Extensive Discounts | $1,980 |
| Progressive | Best for High-Risk Drivers | $2,130 |
| State Farm | Personalized Service, Local Agents | $2,050 |
| Auto-Owners | Customizable Coverage Options | $1,990 |
| USAA | Best for Military Families | $1,840 |
These best car insurance companies colorado springs offer various coverage options, discounts, and personalized services. By comparing quotes and exploring each insurer’s unique features, Colorado Springs residents can find the top car insurance providers colorado springs that fit their needs.
Geico: Best for Budget-Conscious Drivers
For drivers in Colorado Springs looking to save money, Geico is a top pick. It offers discounts that can cut down your insurance costs. This makes it a smart choice for those on a budget.
Discounts and Savings Options
Geico is famous for its many discounts. These include savings for safe drivers, military members, federal workers, and those who bundle policies. In Colorado Springs, you can get the minimum coverage for $302 per year with Geico. This is one of the lowest rates in the area.
Here are some of the main discounts Geico offers:
- Good driver discount
- Military and federal employee discount
- Bundling discount for combining auto and home insurance
- Savings for taking a defensive driving course
- Discounts for having a clean driving record
With these discounts, Geico is the best option for drivers in Colorado Springs who want to save money. It offers great value for your insurance dollar.
Geico is not just affordable; it’s also financially strong and known for great customer service. It gets high marks from independent groups. This makes it a dependable choice for car insurance in Colorado Springs.
Progressive: Best for High-Risk Drivers
If you’re a high-risk driver in Colorado Springs, Progressive is a top choice. They focus on car insurance for high-risk drivers in the area. This includes drivers with DUIs or speeding tickets.
Progressive offers competitive rates for high-risk drivers. Their rates for drivers with a DUI or speeding ticket are often lower than others in the progressive colorado springs market. This is great for drivers who find it hard to get affordable coverage.
| Coverage Type | Average Annual Cost |
|---|---|
| Full Coverage | $1,846 |
| Minimum Coverage | $543 |
Progressive also has a variety of coverage options and discounts for high-risk drivers. They offer everything from usage-based insurance to accident forgiveness. This flexibility can give you peace of mind.
“Progressive’s personalized approach and commitment to serving high-risk drivers makes them a standout choice in the Colorado Springs market.”
Whether you have a recent DUI, multiple speeding tickets, or another high-risk factor, Progressive is a good option in Colorado Springs.
State Farm: Best for Personalized Service
In Colorado Springs, State Farm is the top pick for drivers wanting personalized service and tailored coverage. It’s the biggest auto insurance company in the U.S. With a strong local presence, State Farm has many knowledgeable agents ready to help customers.
Local Agents and Customizable Policies
Choosing State Farm means getting personalized service. State Farm Colorado Springs agents know the local community well. They work with customers to create state farm car insurance customization plans that fit their needs.
State Farm offers many coverage options and discounts. Customers can pick from different levels of liability, collision, and comprehensive coverage. They can also add extras like roadside help and rental car coverage. By combining auto insurance with other State Farm products, like homeowner’s or life insurance, customers can save a lot.
State Farm is also known for its financial strength and great claims service. This gives customers peace of mind. The company’s focus on customer satisfaction shows in its high ratings and the quick help from local agents.
For drivers in Colorado Springs looking for reliable, personalized, and flexible auto insurance, State Farm is a great choice. It offers great coverage and customer service.
Auto-Owners: Best for Customizable Coverage
Drivers in Colorado Springs looking for personalized auto insurance will find Auto-Owners Insurance a great choice. This company lets customers customize their policies to fit their needs and budget.
The average cost for full coverage car insurance in Colorado Springs is about $292 a month, 7% higher than the state average. Auto-Owners offers competitive prices, making it a good option for those wanting comprehensive and customizable protection.
Flexible Coverage Options
Auto-Owners Insurance has a wide range of coverage options. This lets drivers create a policy that suits their unique situations. You can choose from liability, collision, comprehensive, and more. This flexibility lets customers focus on the protection they need most.
- Liability coverage to protect against third-party claims
- Collision coverage to safeguard your vehicle in the event of an accident
- Comprehensive coverage for protection against non-collision-related damages
- Customizable deductibles and coverage limits
- Optional add-ons, such as roadside assistance and rental car reimbursement
With Auto-Owners, Colorado Springs drivers can get the exact coverage they need without extra costs. This personal touch makes Auto-Owners stand out in the local market.
“Auto-Owners Insurance has been a trusted partner for our family, providing us with the flexibility to build a policy that aligns perfectly with our driving needs and budget.”
– Sarah M., Colorado Springs resident
USAA: Best for Military Families and Veterans
USAA is the top car insurance for military folks in Colorado Springs. It offers special coverage and discounts for the military. This makes it a great choice for active-duty personnel, veterans, and their families.
The average premium for USAA in Colorado Springs is $302. This makes it a budget-friendly option. It also has a MoneyGeek score of 93 out of 100. This score shows USAA’s commitment to making customers happy and being financially stable.
“USAA is recognized as the best car insurance choice for military members in 44 states, thanks to its specialized coverage and personalized service.”
USAA gives great discounts and benefits to military people. These include discounts for deployment and storing cars, and coverage for overseas assignments. This customization means military families and veterans in Colorado Springs get the right protection at a good price.
| Insurance Provider | Average Annual Premium | MoneyGeek Score | Military Discounts |
|---|---|---|---|
| USAA | $1,229 | 93/100 | Up to 15% on total premium |
| State Farm | $1,322 | 88/100 | 25% discount in Louisiana |
| GEICO | $936 | 88/100 | Up to 15% on total premium |
USAA is the top choice for usaa colorado springs and car insurance for military colorado springs. It offers great coverage, service, and value. This lets military members focus on their duties without worrying about insurance.
Cheapest Companies for Minimum Coverage
Looking for minimum coverage car insurance in Colorado? Three companies are top picks: American National, Geico, and USAA.
American National, Geico, and USAA
American National has the lowest rates for minimum coverage in Colorado Springs at $960 a year. Geico and USAA also offer great deals for basic liability protection.
| Insurance Company | Average Annual Rate for Minimum Coverage |
|---|---|
| American National | $960 |
| Geico | $1,032 |
| USAA | $1,044 |
These companies have the cheapest minimum coverage car insurance colorado springs. But, drivers should think about their own needs. Choosing a policy with enough protection might cost a bit more.
“Shopping around and comparing quotes from multiple insurers is the best way to find the cheapest car insurance in Colorado Springs that meets your coverage requirements.”
Factors Affecting Car Insurance Rates in Colorado Springs
Car insurance rates in Colorado Springs are affected by several important factors. Your zip code, driving record, and credit score all play a role in what you pay for coverage.
Zip Code
Your location in Colorado Springs impacts your car insurance rates. In the 80919 zip code, the average annual cost for full coverage is about $1,955. This makes it a relatively affordable area. However, drivers in the 80902 zip code might pay up to 5.8% more than the average.
Driving Record
Your driving history is key when insurers set your rates. If you have a clean record with no accidents or violations, you’ll likely get the best rates. But, if you have a history of tickets, accidents, or claims, you’ll pay more in Colorado Springs.
Credit Score
In Colorado, your credit score affects your car insurance rates. People with good credit get better rates. Those with poor credit might pay more.
Knowing what affects car insurance rates in Colorado Springs helps drivers make better choices. This can lead to lower costs.
Tips for Getting the best auto insurance in colorado springs
Finding the right auto insurance can seem tough, but Colorado Springs drivers can save money and get great coverage with some smart steps. Start by comparing quotes from different companies. This helps you find the best deal that fits your needs.
To save on car insurance in Colorado Springs, look for discounts. Many companies give discounts for safe driving, military service, safety features in your car, and bundling policies. Check what you qualify for to save big on your premiums.
Bundling Policies for Additional Savings
One way to get cheap car insurance in Colorado Springs is to bundle your auto policy with other insurance, like homeowners or renters insurance. This can lead to big discounts that save you money over time.
| Insurance Provider | Average Annual Premium | MoneyGeek Score |
|---|---|---|
| American National P&C | $566 | 83/100 |
| USAA | $715 | 78/100 |
| Acuity | $1,405 | 78/100 |
By comparing quotes, looking for discounts, and bundling policies, Colorado Springs drivers can find great auto insurance that fits their budget. Being informed and proactive is the key to saving on car insurance in Colorado Springs.
“Comparing quotes allows you to find the most affordable coverage that meets your needs, while discounts for good driving, military service, and bundling can lead to significant savings.”
Conclusion
Finding the best car insurance in Colorado Springs means looking at many factors. These include coverage options, customer service, financial stability, and cost. By comparing quotes from top companies like Geico, Progressive, State Farm, Auto-Owners, and USAA, drivers can find affordable coverage for their cars. Using discounts and bundling policies can also lower costs, making sure you get the right coverage at a good price.
There are many options for affordable car insurance in Colorado Springs, no matter your driving record or background. By researching and comparing quotes, and using discounts, you can find a policy that protects your vehicle and gives you peace of mind on the road.
Having the right auto insurance in Colorado Springs means you can drive with confidence. It protects you from the unexpected. Whether you’re new to driving or have years of experience, exploring the best car insurance options in your area is a smart move. It can save you money and trouble in the long run.
Source Links
- Best Cheap Car Insurance in Colorado Springs, CO in 2024 | Bankrate
- Cheap Car Insurance in Colorado Springs, Colo.
- Cheap Car Insurance in Colorado Springs, CO, Starting at $51
- 17 Best Colorado Springs, CO Local Car Insurance Agencies | Expertise.com
- Colorado Springs, CO Auto Insurance | Cheap Auto Insurance in Colorado Springs, Colorado | AutoInsuranceEZ.com
- Best Car Insurance in CO Springs, CO (2024) – Policygenius
- Cheapest Car Insurance Companies in Colorado Springs, CO (2024 Rates)
- Cheapest Car Insurance in Colorado
- Best Car Insurance in Colorado
- Best Auto Insurance Colorado Springs – Top Coverage
