If you live in Colorado Springs and are looking for affordable car insurance, you’re in the right spot. Full coverage car insurance here is 7% pricier than the state average. But, you can get full coverage for about $292 a month, or just $52 for minimum coverage.
It’s key to compare quotes from top car insurance companies like Geico, Progressive, State Farm, Auto-Owners, and USAA. This way, you can make sure you’re getting great coverage at a good price.
Key Takeaways
- Full coverage car insurance in Colorado Springs costs 7% more than the state average.
- The average monthly cost is $292 for full coverage and $52 for minimum coverage.
- Top car insurance companies in Colorado Springs include Geico, Progressive, State Farm, Auto-Owners, and USAA.
- Comparing quotes from multiple insurers is essential to finding the best rates.
- Drivers can save money by taking advantage of available discounts and bundling policies.
What is Car Insurance in Colorado Springs?
Car insurance in Colorado Springs is key to understanding. It’s important to know the minimum and full coverage options. The average cost for car insurance in Colorado is $1,574 a year. But, rates change a lot based on different factors.
Minimum Coverage Requirements
In Colorado Springs, you must have certain car insurance. This includes:
- $25,000 for Bodily Injury (per person)
- $50,000 for Bodily Injury (per accident – multiple people injured)
- $15,000 for Property Damage (per accident)
You also need Uninsured/Underinsured Motorist coverage. This is for:
- $25,000 Bodily Injury (per person)
- $50,000 Bodily Injury (per accident – multiple people injured)
Full Coverage Options
Full coverage car insurance is more than the minimum. It includes liability, comprehensive, and collision insurance. This coverage helps protect your vehicle from damage. It also offers more protection if you’re in an accident.
Root car insurance in Colorado Springs can save you up to $900 a year. This makes it a great choice for those watching their budget.
Top Car Insurance Companies in Colorado Springs
In Colorado Springs, several car insurance companies are known for their great rates, wide coverage, and top-notch customer service. Experts and data show that the best companies include Geico, Progressive, State Farm, Auto-Owners, and USAA.
These leading best car insurance companies colorado springs have a variety of insurance options and discounts for Colorado Springs drivers. They offer everything from basic coverage to full coverage, giving great value and making customers happy.
| Company | Average Annual Premium | MoneyGeek Score | Key Strengths |
|---|---|---|---|
| American National | $960 | 83/100 | Affordability, Customer Service |
| GEICO | $1,277 | 83/100 | Availability, Industry Standing |
| USAA | $1,343 | 9.2/10 | Financial Strength, Customer Experience |
| State Farm | $1,392 | 9.4/10 | Availability, Coverage, Customer Service |
| Farm Bureau | $818 | N/A | Customer Satisfaction |
These top car insurance companies colorado springs have many coverage options, discounts, and services for Colorado Springs drivers. Whether you want basic coverage or full protection, they offer the best value and peace of mind on the road.
Best for Budget-Conscious Drivers: Geico
For those in Colorado Springs looking for cheap auto insurance, Geico is a great pick. It’s famous for offering some of the lowest rates around. You can get a full-coverage policy for just $109 a month.
Affordable Rates
In Colorado Springs, Geico stands out for its affordable car insurance. The average cost for full coverage is $3,499 a year, which is 7% higher than the state average. But Geico offers full coverage for as low as $302 a year. This makes it a top choice for those on a budget.
Discounts Available
Geico doesn’t just have low rates; it also has many discounts. These can help geico car insurance colorado springs customers save even more money. Some of the discounts include:
- Multi-policy discounts for bundling auto insurance with other Geico products
- Defensive driving course discounts
- Good driver discounts for those with clean driving records
- Military and federal employee discounts
By using these geico discounts colorado springs, drivers can save hundreds on their car insurance each year.
“Geico provides some of the most affordable car insurance rates in Colorado Springs, making it an excellent choice for budget-conscious drivers.”
| Insurer | Average Annual Cost (Full Coverage) | Average Annual Cost (Minimum Coverage) |
|---|---|---|
| Geico | $1,518 | $360 |
| USAA | $1,706 | $393 |
| State Farm | $1,731 | $425 |
Best for High-Risk Drivers: Progressive
If you’re a high-risk driver in Colorado Springs, Progressive is a great choice for car insurance. It’s the top insurer for drivers with less-than-perfect records or other risk factors. They offer coverages and discounts just for you.
Insurance.com says Progressive is a top car insurance company in Colorado Springs. They have an average annual premium of $2,796 for full coverage. This price is affordable, making Progressive a great option for high-risk drivers.
Progressive also offers discounts to help high-risk drivers save money. These include:
- Multi-policy discounts for bundling auto insurance with other policies like homeowners or renters insurance
- Savings of up to 7% for new customers
- Discounts for commercial auto insurance and RV coverage
For drivers in Colorado Springs with accident or ticket histories, Progressive is a smart choice. They offer tailored options and savings for progressive car insurance colorado springs coverage.
| Insurance Company | Average Annual Premium (Full Coverage) |
|---|---|
| Geico | $1,445 |
| State Farm | $1,950 |
| Auto-Owners | $2,874 |
| Allstate | $2,774 |
| Progressive | $2,796 |
| Farmers | $3,578 |
| Kemper Insurance | $1,878 |
Progressive is the best choice for high-risk drivers colorado springs. They offer competitive rates, tailored coverage, and many discounts. This makes them a reliable and affordable option for auto insurance for high-risk drivers colorado springs.
Best for Personalized Service: State Farm
State Farm is a top pick for car insurance in Colorado Springs. It’s known for its personalized service and customizable policies. With a large network of state farm local agents colorado springs, they offer expert advice and support.
Local Agents
The state farm car insurance colorado springs team has dedicated local agents. They know the unique needs of Colorado Springs drivers. These agents help clients with everything from new car coverage to policy changes and insurance advice.
Customizable Policies
State Farm also offers customizable car insurance policies colorado springs. These policies can be adjusted to fit each customer’s needs. Whether you need liability or comprehensive coverage, State Farm has you covered without extra costs.
“State Farm’s commitment to personalized service and customizable policies has made them a trusted choice for car insurance in Colorado Springs. Their network of local agents and flexible coverage options truly set them apart in the market.”
Best for Customizable Coverage: Auto-Owners
If you’re a driver in Colorado Springs looking for a car insurance provider that offers flexible and customizable coverage options, Auto-Owners might be the perfect fit. Since 1916, this insurance company has been serving customers with a focus on tailored solutions. They aim to meet the unique needs of each policyholder.
Auto-Owners’ car insurance policies let you customize your coverage. You can add extra protection for your vehicle or adjust your deductibles. This makes it easy to create a policy that fits your preferences and budget. Auto-Owners stands out by offering this level of personalization, catering to the diverse needs of Colorado Springs drivers.
| Key Highlights | Details |
|---|---|
| Customizable Coverage | Allows drivers to tailor their car insurance policies to their specific needs and preferences. |
| Flexible Policies | Offers a range of coverage options and deductible choices to accommodate different budgets and risk profiles. |
| Experienced Provider | Has been serving the Colorado Springs community for over a century, with a reputation for reliable and responsive service. |
Whether you’re a budget-conscious driver or seeking comprehensive coverage, Auto-Owners offers the flexibility and customization options you need in Colorado Springs. With its long-standing presence and commitment to customer satisfaction, Auto-Owners is a top choice for those who value tailored insurance solutions.
Best for Military Families and Veterans: USAA
In Colorado Springs, USAA is the top choice for car insurance for military members, veterans, and their families. It offers products and services made just for them. This makes USAA a leader in providing affordable and full coverage.
USAA really cares about the military community. It’s the best car insurance in 44 states for military folks. With a score of 93 out of 100 from MoneyGeek, it’s the top in the business. It costs just $679 a year or $57 a month, offering great value.
Other big names like State Farm and GEICO are good too, but they can’t match USAA’s military focus and savings. State Farm has a score of 88 and costs $883 a year or $74 a month. But USAA’s unique services and lower prices make it the top pick for military folks.
USAA’s key benefits for military families and veterans are:
- Exceptional accident forgiveness and roadside assistance programs
- A 60% discount for those facing deployment
- Value-added services like priority claims processing and specialized claims adjusters
USAA is unmatched in its support for the military. It offers great service and competitive rates. So, it’s the best choice for car insurance in Colorado Springs for military families and veterans.
“USAA remains an industry leader for the military community, providing tailored policies and a range of discount offerings to help reduce insurance costs for military members and veterans.”
car insurance companies colorado springs
Looking for affordable car insurance in Colorado Springs? You have many great options. The average monthly rate is $165, which is a bit higher than the state average. But, by comparing quotes, you can save a lot.
Top car insurance companies in Colorado Springs include Geico, Progressive, State Farm, Auto-Owners, and USAA. They offer different coverage levels, competitive prices, and discounts for Colorado Springs drivers.
| Car Insurance Company | Average Full Coverage Rate | Average Liability-Only Rate | Insurify Quality (IQ) Score |
|---|---|---|---|
| State Farm | $102 | $48 | 9.3 |
| USAA | $131 | $61 | 9.4 |
| GEICO | $156 | $73 | 9.0 |
These top car insurance providers in Colorado Springs offer various coverage options and discounts. They can help you find the best coverage for your needs and budget. Whether you want the cheapest rates, full protection, or coverage for high-risk drivers, they have you covered.
Factors Affecting Car Insurance Rates in Colorado Springs
Car insurance rates in Colorado Springs are influenced by several key factors. Knowing these can help drivers make better choices and save money on insurance.
Age
Age is a big factor in car insurance rates. Young drivers under 25 pay more because they’re less experienced and more likely to have accidents. Older drivers, however, get lower rates since they’re seen as less risky.
Credit Score
Your credit score affects your car insurance rates in Colorado Springs. A good credit score means you’re seen as more responsible and less likely to make claims. This can lead to lower premiums. But, a bad credit score can result in higher rates.
Driving Record
Your driving history impacts your Colorado Springs car insurance rates. A clean record with no accidents or tickets means lower premiums. But, a history of accidents or tickets will raise your rates.
ZIP Code
Your ZIP code in Colorado Springs can also change your insurance rates. Areas with more accidents, crime, or traffic congestion may have higher premiums. This is because insurance companies see these areas as riskier.
Understanding these factors helps Colorado Springs drivers make smart choices and save on insurance. Reviewing rates, looking for discounts, and keeping a clean driving record can help get cheaper coverage.
How to Get the Cheapest Car Insurance in Colorado Springs
Finding cheap car insurance in Colorado Springs is easy. Just compare quotes from different insurers and use discounts. This way, drivers can get the best rates.
Compare Quotes
To get cheap car insurance, compare quotes from many providers. Rates change a lot between companies. So, it’s key to look around and see what’s out there. This helps you find the best deal for your needs and how you drive.
Discounts and Bundling
Also, look into discounts to save more. Many insurers give discounts for safe driving, safety features, and bundling policies. These discounts can lower your car insurance costs a lot.
| Discount Type | Average Monthly Savings |
|---|---|
| Good Driving Record | $15 – $25 |
| Safety Features | $10 – $20 |
| Bundling with Other Policies | $20 – $40 |
By comparing quotes and using discounts, drivers can find affordable insurance. This meets their needs and budget.
Conclusion
Finding the right car insurance in Colorado Springs means looking at your needs, budget, and how you drive. By checking out top providers like Geico, USAA, and State Farm, you can compare rates and options. This helps you find the best and most affordable coverage.
Whether you’re watching your budget, have a high-risk driving record, or want personalized service, Colorado Springs has many insurance options. Knowing how factors like age, credit score, driving history, and ZIP code affect rates helps you make smart choices. This could save you hundreds each year.
To get the cheapest car insurance in Colorado Springs, shop around and look for discounts. Find a policy that fits your specific needs. This way, you’ll be well-protected and keep your costs down.
Source Links
- Best Cheap Car Insurance in Colorado Springs, CO in 2024 | Bankrate
- Cheap Car Insurance in Colorado Springs, Colo.
- Car insurance in Colorado Springs | Root Insurance
- Home & Auto Insurance in Colorado Springs, CO
- Best Car Insurance in CO Springs, CO (2024) – Policygenius
- Best Car Insurance Companies in Colorado Springs, CO
- Best Car Insurance in Colorado
- Cheapest Car Insurance in Colorado
- Auto Insurance in Colorado Springs CO – Best Rates
- Best cheap car insurance in Colorado for March 2024
- An In Colorado (2024 Guide)
