The car, truck, or SUV needing coverage is one of the largest considerations when quoting the best cheap coverage for safe drivers. Vehicles with lots of speed or power, poor crash test ratings, or a history of substantial liability claims will cost more to insure than safer, lower-performance models. The next table shows auto insurance costs for the most affordable vehicles to buy coverage for.
|Make and Model||Estimated Cost for Full Coverage|
|Toyota Tacoma 2WD||$1,236|
|Chevrolet Impala LT||$1,259|
|Toyota RAV4 Limited 2WD||$1,264|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,283|
|Ford Explorer Limited 2WD||$1,285|
|Honda CR-V EX 2WD||$1,306|
|Ford Edge Sport 2WD||$1,325|
|Hyundai Elantra GLS 4-Dr Sedan||$1,332|
|Ford Escape XLT 4WD||$1,339|
|Chevrolet Equinox LTZ 2WD||$1,351|
|Nissan Altima Hybrid 4-Dr Sedan||$1,361|
|Honda Civic EX-L 4-Dr Sedan||$1,391|
|Nissan Rogue SL AWD||$1,419|
|Honda Odyssey LX||$1,435|
|Ford Fusion Sport AWD 4-Dr Sedan||$1,440|
|Toyota Camry Hybrid||$1,445|
|Toyota Camry Hybrid||$1,454|
|Chevrolet Malibu Hybrid||$1,447|
|Volkswagen Jetta LE 4-Dr Sedan||$1,453|
|Dodge Grand Caravan SE||$1,468|
|Ford F-150 Lariat Crew Cab 2WD||$1,473|
|Chevrolet Silverado 2500HD LT Crew Cab Diesel 2WD||$1,534|
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Price information does not factor in specific Colorado Springs, CO garaging location which can impact insurance rates substantially.
Looking at the numbers, you can see that models like the Toyota Tacoma, Chevrolet Impala, Toyota RAV4, and Jeep Wrangler are most likely going to be some of the most economical vehicles to insure for good drivers.
Locating reasonably-priced insurance is hard enough, and figuring out which insurers offer the cheapest car insurance rates for safe drivers calls for even more perseverance. Every insurance company uses a slightly different approach to determine rates, so we’ll take a look at the most affordable car insurance companies in Colorado.
We do need to point out that Colorado Springs, CO car insurance rates are impacted by many factors that can increase the cost of a policy. Simply turning a year older, moving to a new city, or having a fender bender can trigger price changes resulting in some rates now being higher-priced than before.
Best Car Insurance Prices for Safe Drivers
The Hartford has some of the lowest car insurance rates in Colorado Springs at around $825 annually. This is $753 less than the average premium paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO also make the cut as some of the most economical Colorado Springs, CO insurance companies.
As the rates illustrate above, if you currently have a policy with Grange and switched to The Hartford, you could realize an annual premium reduction of approximately $162. Insureds with USAA may save as much as $204 a year, and Nationwide insureds might see rate reductions of $318 a year.
It’s important to note that these premium estimates are averages for all insureds and vehicles and and are not calculated with a vehicle location for safe drivers. So the car insurance company that is best for you may not even be in the top 21 companies shown above. That’s why you need to get quotes using your own driver information and specific vehicle type.
Colorado car insurance companies ranked
Insuring your vehicle with the highest-rated auto insurance company can be rather challenging considering how many companies are available to choose from in Colorado Springs. The information displayed below could help you analyze which insurers to look at comparing rates with. The ratings below include companies that write coverage in many states, so companies with more of a regional focus are not factored into these rankings.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
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Data Source: Insure.com Best Car Insurance Companies
Types of discounts on Colorado Springs auto insurance rates
Car insurance companies that offer cheap quotes for safe drivers may have price discounts that can lower rates by as much as 25% or more if you meet specific eligibility requirements. A list of companies and their offered discounts are shown below.
- Progressive discounts include online signing, continuous coverage, homeowner, online quote discount, multi-policy, multi-vehicle, and good student.
- MetLife may offer discounts for accident-free, good student, defensive driver, multi-policy, and claim-free.
- Mercury Insurance offers premium reductions for professional/association, type of vehicle, low natural disaster claims, annual mileage, ease of repair, age of vehicle, and multi-car.
- Nationwide may include discounts for multi-policy, easy pay, defensive driving, family plan, good student, and Farm Bureau membership.
- GEICO has discounts for five-year accident-free, anti-theft, anti-lock brakes, good student, and multi-policy.
- AAA offers discounts for anti-theft, multi-car, pay-in-full, education and occupation, and multi-policy.
The chart below visualizes the comparison of car insurance rates with and without discounts applied. The information is based on a male driver, no violations or accidents, Colorado state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows the price with no discounts. The second shows the rates with anti-theft, multiple vehicle, vehicle safety, safe-driver, multiple policy, and marriage discounts applied. When discounts are applied, theaverage amount saved on car insurance for safe drivers is 28% or $410.
The diagram below illustrates how your choice of deductibles can affect insurance rates when searching for cheap insurance for safe drivers. The data is based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
The data above shows that a 50-year-old driver could reduce rates by $402 a year by changing from a $100 deductible up to a $500 deductible, or save $606 by switching to a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, can cut $1,332 or even more just by choosing higher deductibles. If you do raise deductibles, it’s a good idea to have enough funds in savings to allow you to pay the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
The insurance agents in Colorado Springs listed below are willing to help you make a decision which insurance coverage will be best for you, as some drivers wish to get help from a professional when shopping for cheaper insurance for safe drivers. It’s not always simple to find the best coverage yourself, so getting advice from a licensed agent can give peace of mind knowing your coverage gives you enough coverage if you have a claim.
To locate a Colorado Springs car insurance agency nearest to you, click the link after the list or click here to compare rates now.
- American Family Insurance – Mario Aragon Agency Inc.
1135 E Fillmore St – Colorado Springs, CO 80907 – (719) 570-0707
- John Youngdahl – State Farm Insurance Agent
600 N Tejon St – Colorado Springs, CO 80903 – (719) 475-8787
- Bob Hawkins – State Farm Insurance Agent
5490 Powers Center Point #132 – Colorado Springs, CO 80920 – (719) 418-3377
- Kelly Muse – State Farm Insurance Agent
1635 W Uintah St D – Colorado Springs, CO 80904 – (719) 329-1818
- Brandon Sullivan – State Farm Insurance Agent
5615 Constitution Ave – Colorado Springs, CO 80915 – (719) 597-5000
How to find the cheapest auto insurance for safe drivers
The list below shows some penny-pinching solutions that can help drivers buy lower-cost car insurance.
- Bundle home or renters insurance to earn a discount on car insurance
- Pay for small claims rather than turning them in to your insurance company
- At-fault accidents will increase rates
- Increase your comprehensive and collision deductibles
- Improve your credit
- Avoid getting tickets or violations
- Shop around for cheaper prices often
That last idea is highly vital, as we hit on in the article above. Auto insurance rates in Colorado Springs change a lot, so don’t be tentative to buy from a different company if you find a cheaper price.
Having a favorite company is fine, but it isn’t a good idea if that dedication is costing hundreds every year. If you have a few minutes, compare prices and find cheaper insurance for safe drivers.