Colorado Springs Auto Insurance

Drivers on the front range of Colorado know that car insurance can be very expensive. More people means more traffic congestion, and the end result is more accidents and higher insurance rates.

Whether you're commuting up I-25 or taking a weekend trip to the mountains, having good insurance coverage means peace of mind knowing that you'll be covered in case of an accident or damage caused by mother nature.

Finding cheap auto insurance in Colorado Springs can be a frustrating ordeal, especially if you've never shopped around for lower prices. CSInsure.com can help you find lower rates and also help educate you on coverages and find licensed insurance agents in your Colorado Springs neighborhood.

How much is auto insurance in Colorado Springs?

Car insurance prices in Colorado Springs are based on many variables, and one of the primary components is the car, truck, or SUV you are insuring. The table below shows policy rates for some of the more popular vehicles that Colorado Springs drivers insure.

Insurance Rates for Popular Cars in Colorado Springs
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Fusion Sport AWD 4-Dr Sedan $1,266 $633 $106
Honda Accord EX-L 4-Dr Sedan $1,012 $506 $84
Honda Civic EX 4-Dr Sedan $1,130 $565 $94
Hyundai Sonata Limited 4-Dr Sedan $1,248 $624 $104
Kia Optima EX $1,248 $624 $104
Nissan Altima 3.5 SR 4-Dr Sedan $1,178 $589 $98
Toyota Camry SE $1,154 $577 $96
Toyota Corolla LE $1,154 $577 $96
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Prices above based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, homeowner, and safe-driver. Premium costs do not factor in vehicle location which can revise insurance rates considerably.

Insurance Rates for Popular Pickup Trucks in Colorado Springs
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $1,292 $646 $108
Chevrolet Silverado LT Crew Cab 4WD $1,178 $589 $98
Dodge Ram 3500 Crew Cab SLT 2WD $1,292 $646 $108
Dodge Ram Quad Cab SLT 2WD $1,184 $592 $99
Ford F-150 Lariat Crew Cab Harley 4WD $1,202 $601 $100
Ford F-250 XL Crew Cab 2WD $1,248 $624 $104
GMC Canyon SLE Regular Cab 2WD $1,002 $501 $84
GMC Sierra 2500HD SLE Regular Cab 4WD $1,178 $589 $98
GMC Sierra SLT Crew Cab 2WD $1,178 $589 $98
Toyota Tundra Regular Cab 2WD $1,072 $536 $89
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Table data does not factor in specific location which can increase or decrease premiums significantly.

Insurance Rates for Popular SUVs and Crossovers in Colorado Springs
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Traverse LT AWD $1,036 $518 $86
Ford Escape XLS 4WD $924 $462 $77
Ford Expedition Limited 4WD $1,124 $562 $94
Ford Explorer Eddie Bauer 4WD $1,114 $557 $93
GMC Acadia SL AWD $1,026 $513 $86
Honda CR-V EX-L 2WD $948 $474 $79
Honda Fit $884 $442 $74
Honda Pilot Touring 2WD $1,114 $557 $93
Jeep Grand Cherokee Limited 2WD $1,178 $589 $98
Lexus RX 350 4WD $1,336 $668 $111
Subaru Forester X Premium AWD $1,036 $518 $86
Toyota 4Runner SR/5 4WD $1,036 $518 $86
Toyota Highlander Hybrid 4WD $1,202 $601 $100
Toyota RAV4 Limited 2WD $1,090 $545 $91
Volvo XC90 V8 AWD $1,266 $633 $106
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Data rating is based on single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, multi-vehicle, and claim-free. Rates do not factor in specific location which can raise or lower insurance rates noticeably.

The example below highlights how deductible selection and can influence insurance rates for different insured age categories. The premiums are based on a single male driver, full coverage, and no discounts are taken into consideration.

How to find cheaper Colorado Springs car insurance rates

The best way to get affordable auto insurance prices in Colorado Springs is to regularly compare quotes from different companies that insure vehicles in Colorado.

The most important part of shopping around is to try to compare the same coverage limits and deductibles on each quote request and and to analyze as many companies as possible. Doing this helps ensure an apples-to-apples comparison and a thorough price selection.

Colorado Springs, Colorado Car Insurance Company Rankings
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
Mercury Insurance 88 91 90 85% A+ 89.4
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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Learn how to buy insurance for less

Many different elements are used when pricing auto insurance. Most are fairly basic like a motor vehicle report, but others are less apparent such as your credit history or your commute time. When buying insurance it's important to understand some of the elements that play a part in calculating the price you pay for insurance. When you understand what determines base rates, this helps enable you to make changes that may reward you with lower rates.

Safer cars cost less to insure - Cars with high safety ratings cost less to insure. Vehicles engineered for safety reduce injuries and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If your car, truck, or SUV is rated at a minimum four stars on Safercar.gov or an "acceptable" rating on iihs.org it is probably cheaper to insure.

Excellent credit saves on insurance - Your credit rating can be a huge factor in calculating your insurance rates. Therefore, if your credit history is lower than you'd like, you could be paying less to insure your vehicle by taking the time to improve your credit score. People with excellent credit scores tend to be more responsible than those with poor credit scores.

Save money with alarm systems - Selecting a car model that has an advanced theft prevention system can get you a discount on your insurance. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help prevent auto theft and help lower rates.

Premiums may be higher where you live - Choosing to live in a small town can be a good thing when talking about insurance. Fewer drivers on the road corresponds to lower accident rates. People who live in big cities tend to have more aggressive driving styles and more time behind the wheel. The longer drive time translates into higher accident risk.

Eliminate incidental coverages - Insurance companies have many additional coverages that you can buy but may not be useful. Things like roadside assistance, accidental death, and extra equipment coverage may not be needed and are just wasting money. These coverages may sound good when deciding what coverages you need, but if you've never needed them in the past think about removing them and cutting costs.