Who Has Cheap Car Insurance Rates for 4x4 Vehicles in Colorado Springs?

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One of the more important components that are looked at to determine the annual cost of car insurance is your zip code in Colorado Springs. More populated areas are more likely to pay higher prices, whereas areas with less people or fewer weather incidents benefit from lower coverage costs.

The table below shows the most expensive places in Colorado for 4x4 vehicles in which to purchase auto insurance. Colorado Springs ranks #9 having an annual price of $1,290 for the average insurance policy, which is approximately $108 per month.

How much is car insurance in Colorado Springs?
Rank City Annual Rate
1 Aurora $1,417
2 Pueblo $1,397
3 Denver $1,383
4 Lakewood $1,378
5 Commerce City $1,368
6 Ken Caryl $1,313
7 Arvada $1,308
8 Security-Widefield $1,304
9 Colorado Springs $1,290
10 Northglenn $1,290
11 Highlands Ranch $1,279
12 Thornton $1,268
13 Littleton $1,267
14 Centennial $1,265
15 Brighton $1,247
16 Westminster $1,234
17 Castle Rock $1,224
18 Parker $1,220
19 Boulder $1,195
20 Broomfield $1,179
21 Greeley $1,156
22 Longmont $1,144
23 Grand Junction $1,120
24 Fort Collins $1,100
25 Loveland $1,063
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Premium costs are approximated as zip code location can increase or decrease premiums considerably.

The car, truck, or SUV you are insuring is a large consideration that determines whether or not you can buy the lowest-priced auto insurance for 4x4 vehicles. Vehicles with average performance, a great safety record, or a track record of few liability claims will cost much less to insure than higher performance models.

The information below features auto insurance costs for a number of the cheapest automobiles to buy coverage for.

Cheapest Vehicles to Insure in Colorado Springs, CO
Vehicle Estimated Cost for Full Coverage
Honda CR-V EX-L 4WD $1,201
Ford Escape XLT 4WD $1,209
Honda Accord EX 4-Dr Sedan $1,284
Hyundai Elantra GLS Touring Station Wagon $1,323
Ford Focus SE 4-Dr Sedan $1,362
Volkswagen Jetta SE 2.5 Station Wagon $1,379
Toyota Prius $1,428
Ford F-150 STX Super Cab 2WD $1,457
Honda Odyssey LX $1,465
Nissan Altima 3.5 SR 4-Dr Sedan $1,491
Chevrolet Impala LS $1,497
Chevrolet Silverado LT Extended Cab 4WD $1,521
Toyota RAV4 Sport 2WD $1,530
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $1,552
Ford Explorer Eddie Bauer AWD $1,557
Dodge Grand Caravan Hero $1,565
Ford F-250 XL Harley Edition 2WD $1,589
Ford Edge Sport 2WD $1,604
Toyota Corolla XLE $1,613
Toyota Camry XLE $1,604
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Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Rate information does not factor in your specific Colorado Springs, CO location which can raise or lower price quotes greatly.

Looking at the rates, you can expect cars like the Honda CR-V, Ford Escape, Honda Accord, and Hyundai Elantra will be the cheaper vehicles to insure for off-road vehicles.

Full coverage rates compared to liability-only

Finding the cheapest auto insurance is the goal of most drivers, and one common way to find cheaper insurance for 4x4 vehicles is to buy only liability coverage. The chart below visualizes the comparison of insurance rates when comparing full coverage to liability only. The rates are based on no claims or violations, $100 deductibles, single status, and no discounts are applied to the premium.

If all age groups are averaged, physical damage coverage costs $2,696 per year more than buying just liability insurance. That proposes the question if physical damage coverage is worth the money. There is no exact rule that is best for determining when to drop physical damage insurance, but there is a general convention. If the annual cost of coverage is more than 10% of the replacement cost of your vehicle minus the policy deductible, then you may want to consider only buying liability coverage.

For example, let's say your vehicle's replacement cost is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $7,000 after paying the physical damage deductible. If you are paying over $700 annually to have full coverage, then you may need to consider dropping full coverage.

There are a few cases where buying only liability insurance is not advised. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

Auto insurance companies ranked

Choosing the top auto insurance provider can be a challenge considering how many companies provide coverage in Colorado Springs. The rank data below may help you pick which auto insurers to look at when shopping car insurance rates for 4x4 vehicles. The rankings below only include companies that insure vehicles nationwide, so companies that have a smaller presence are not included in this list.

Top Auto Insurance Companies for 4x4 Vehicles in Colorado
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

Your low-price policy may be costing you money

Colorado Springs auto insurance rates are influenced by many factors that can increase the price you have to pay for coverage. Simply getting older, increasing deductibles, or getting a ticket for running a stop sign may prompt premium changes resulting in some companies being cheaper than before. And not only may your rating factors change, but companies modify pricing multiple times each year as an adjustment for underwriting gains or losses. A period of higher than normal claims may cause rate hikes, while lower claim levels may cause cheaper Colorado Springs car insurance rates.

To illustrate this example, the bar chart below shows the cheapest car insurance in Colorado Springs, CO for a 40-year-old female driver with no violations or accidents, and good credit. If we look at prices based on her current risk factors, The Hartford offers the best car insurance rates in Colorado Springs at $1,017 a year. This is $561 less than the average premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO also make the list of the most affordable Colorado Springs, CO auto insurance companies.

Now let's give the driver in the first example a claim or two, a lower credit score, and an imperfect driving record. Due to the fact that every insurance company has their own process to set policy rates, comparing rates will most likely result in a substantially altered list of the cheapest companies as shown below.

Travelers now has the cheapest car insurance in Colorado Springs, CO with State Farm, American Family, Grange, and Progressive also having competitive pricing. This example shows why consumers need to compare lots of rates when trying to get cheap insurance rates for 4x4 vehicles. Prices can be altered by many things and change substantially, so the best option the last time you shopped your coverage around may now be costing you a lot of money.

Ideas for finding more affordable car insurance for 4x4 vehicles

The list below shows some of the better money-saving ideas that can help Colorado Springs drivers buy lower-cost coverage.

That last piece of advice is very critical, as was noted in the article above. Auto insurance prices in Colorado Springs fluctuate considerably, so drivers shouldn't be resistant to change insurance companies if you can save money. We understand brand loyalty, but it's not a good idea if that loyalty results in overpaying hundreds of dollars a year. Take a few minutes and shop around to find cheaper auto insurance for 4x4 vehicles.

The Colorado Springs auto insurance agencies shown below are a good start to provide answers to your questions and help you determine which auto insurance policy would work best for you, since some drivers aren't sure which coverage they need and prefer to get some help when shopping for cheaper insurance for off-road vehicles. It's not always easy to find the best rates on your own, so a licensed agent can bring comfort knowing you have enough protection. To find a Colorado Springs insurance agency near you, click the button after the list.

Solid Rock Insurance Agency
2850 Serendipity Cir W #230 - Colorado Springs, CO 80917 - (719) 574-0082

Roberto Martinez - State Farm Insurance Agent
1216 Academy Blvd N - Colorado Springs, CO 80909 - (719) 574-0210

Springs Insurance Brokers
1837 Austin Bluffs Pkwy #101 - Colorado Springs, CO 80918 - (719) 268-1300

Find a Colorado Springs, CO insurance agent near you