Who Has Affordable Colorado Springs Car Insurance Rates for Good Drivers?

The words “low-cost” and “auto insurance” really shouldn’t be used in the same sentence, specifically when you are looking for the cheapest car insurance for good drivers. To save some money, let’s lead off by showing you some of the factors that determine auto insurance premiums, and come up with some ways to slash the price of your next policy.

For safe drivers, one of the largest considerations that are looked at to determine the cost of insurance is where your residence is in Colorado Springs. Areas with more people or more claims are more likely to have higher rates, whereas areas with less crime or weather claims benefit from having to pay less for coverage.

The table below rates the priciest cities in Colorado for good drivers in which to purchase auto insurance. Colorado Springs is ranked at #12 costing $1,277 on average, which is approximately $106 each month.

How much is car insurance in Colorado Springs?
Rank City Annual Premium
1 Denver $1,425
2 Pueblo $1,412
3 Commerce City $1,368
4 Aurora $1,361
5 Security-Widefield $1,343
6 Northglenn $1,342
7 Lakewood $1,337
8 Thornton $1,320
9 Brighton $1,285
10 Westminster $1,284
11 Centennial $1,278
12 Colorado Springs $1,277
13 Ken Caryl $1,274
14 Parker $1,270
15 Arvada $1,269
16 Littleton $1,267
17 Highlands Ranch $1,267
18 Castle Rock $1,248
19 Boulder $1,207
20 Broomfield $1,179
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Price information shown is approximated as the garaging address in Colorado Springs can increase or decrease coverage prices significantly.

Finding decent, reasonably-priced auto insurance is not always easy, and deciding which companies offer the cheapest auto insurance rates for good drivers will take additional perseverance. Each auto insurance company uses a slightly different approach for determining prices, so we’ll go over the auto insurance companies that tend to have lower prices in Colorado Springs, CO.

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Cheapest auto insurance in Colorado ranked by cost per year
Rank Company Cost Per Year
1 The Hartford $859
2 Grange $949
3 USAA $1,039
4 Nationwide $1,143
5 Auto-Owners $1,156
6 GEICO $1,176
7 Travelers $1,183
8 State Farm $1,259
9 American Family $1,275
10 Progressive $1,322
11 Amica $1,340
12 Allied $1,453
13 California Casualty $1,502
14 Farmers $1,581
15 Colorado Farm Bureau $1,624
16 MetLife $1,885
17 Allstate $1,994
18 Encompass $2,187
19 Safeco $2,547
20 Titan $2,711
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The Hartford quotes some of the lowest car insurance rates in Colorado Springs at around $859 a year. This is $719 less than the average rate paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Auto-Owners also rank well as some of the more affordable Colorado Springs, CO insurance companies.

In the above rates, if you have coverage with Auto-Owners and switched to Grange, you might see an annual premium reduction of roughly $207. Policyholders with GEICO may save as much as $227 a year, and Travelers customers might lower prices by $234 a year.

To find the cheapest coverage for you, click here to get quotes or click through to the companies below.

Bear in mind that those premiums are averaged across all insureds and vehicles and are not factoring in a specific location for good drivers. So the car insurance company that can offer you the best price may not even be in the top 21 companies shown above. That’s why you need to get quotes using your own individual information.

The type of vehicle you are seeking coverage for is one of the largest factors when looking for economical insurance for good drivers. Vehicles with higher performance characteristics, a lack of safety features, or a track record of large liability claims will cost significantly more to insure than more modest models. The next list outlines auto insurance costs for a number of the most cost-effective vehicles to insure in Colorado.

Cheapest Vehicles to Insure in Colorado Springs, CO
Make and Model Estimated Cost for Full Coverage
Ford Escape XLS 2WD $1,132
Honda CR-V EX 4WD $1,330
Jeep Grand Cherokee Laredo 4WD $1,342
Toyota RAV4 4WD $1,351
Honda Accord LX-P 4-Dr Sedan $1,391
Chevrolet Impala LTZ $1,412
Toyota Corolla LE $1,417
Ford F-150 FX2 Super Cab 2WD $1,463
GMC Sierra 2500HD SLT Crew Cab 4WD $1,509
Ford Edge SEL AWD $1,514
Hyundai Sonata Limited 4-Dr Sedan $1,536
Chevrolet Silverado LS Extended Cab 4WD $1,543
Toyota Prius $1,548
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $1,560
Dodge Grand Caravan SXT $1,572
Chevrolet Silverado 2500HD LT Crew Cab 2WD $1,606
Ford Focus S 4-Dr Sedan $1,616
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, claim-free, and safe-driver. Rates do not factor in specific Colorado Springs, CO garaging location which can increase or decrease auto insurance rates significantly.

Looking at the rates, we can infer that cars like the Ford Escape, Honda CR-V, Jeep Grand Cherokee, and Toyota RAV4 are going to be the more affordable vehicles to insure for safe drivers.

Violations and accidents raise rates

The recommended way to earn the most affordable auto insurance premiums in Colorado Springs for safe drivers is to be a safe driver and avoid getting tickets or having accidents. The example below shows how traffic citations and at-fault accidents can impact insurance costs for different categories of driver ages. The premiums are based on a single female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

In the example above, the average cost of car insurance per year with a clean driving record and no accidents is $2,381. Get two speeding tickets and the average cost swells to $3,198, an increase of $817 each year. Then add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for good drivers goes up to an average of $6,194. That’s an increase of $3,813, or $318 per month, just for a couple of infractions!

Finding the top insurer is hard considering how many different companies insure vehicles in Colorado. The rank data below can help you analyze which providers to look at when shopping car insurance rates for good drivers.

These rankings are only made up of the largest auto insurers in America, so companies that have a smaller presence will not be included in the list. To check prices and find cheaper insurance for good drivers, just click here.

Best Auto Insurance Companies for Good Drivers in Colorado Springs
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
USAA 98 100 100 94% A++ 98.6
American Family 98 89 100 86% A 95.4
State Farm 88 93 96 90% A++ 92.4
The Hartford 94 92 90 89% A+ 91.7
AAA Insurance 88 89 95 91% A 91.2
GEICO 84 93 93 89% A++ 90.3
The General 89 91 89 88% A- 90
Titan Insurance 90 87 91 95% A+ 89.6
Progressive 84 91 93 87% A+ 89.5
Allstate 85 90 92 88% A+ 89.3
Nationwide 87 88 84 90% A+ 88.7
Liberty Mutual 84 87 93 88% A 88.5
21st Century 85 86 87 88% A 86.7
Esurance 85 80 95 87% A+ 85.9
Safeco 85 85 85 86% A 85.8
Travelers 80 87 87 83% A++ 85.2
Farmers Insurance 78 87 88 79% A 84.3
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Data Source: Insure.com Best Car Insurance Companies

How to get discounts on Colorado Springs car insurance rates

Discounts on auto insurance for good driversAuto insurance companies that provide policies for good drivers could also offer price discounts that could lower prices by 30% or more if you qualify for them. A list of auto insurance companies and a selection of discounts are included below.

The example below compares insurance costs with and without policy discounts. The data assumes a male driver, no claims or violations, Colorado state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average rate with no discounts. The second bar shows the rates with vehicle safety, anti-theft, multiple vehicle, claim-free, homeowner, and multiple policy discounts applied. When drivers qualify for the discounts, theamount saved on auto insurance for good drivers is 28% or $687.