Car Insurance in Colorado Springs, Colorado
Estimated full coverage in Colorado Springs runs about $1,915 a year ($159/month) — ▲ +5% versus the Colorado average, ranking 10th most expensive of the 13 Colorado cities we cover.
Why car insurance in Colorado Springs costs more than the Colorado average
Insurers price by territory, and Colorado Springs's numbers explain most of the gap. With 493,554 residents on 202.1 square miles, the city's density (2,442 people per square mile) is 3.8 times the density where the typical Colorado resident lives (640). The average commute is 22.7 minutes (Colorado: 25.2), and 70% of workers drive alone. Together these put our location factor at 1.05× the state baseline for liability and collision.
| Factor | Colorado Springs | Colorado ref. | Why it matters |
|---|---|---|---|
| Population density | 2,442 / sq mi | 640 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 22.7 min | 25.2 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 5.1% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 70.0% | — | Share of workers commuting by car. |
| Public transit to work | 0.5% | — | Transit use lowers how much residents drive. |
| Work from home | 17.6% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 4.4% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 95.3 | 94.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Colorado Springs
Rates can change from one ZIP code to the next. Across 20 Colorado Springs ZIP codes, our full-coverage estimate ranges from $1,625 in 80914 to $2,030 in 80917. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 80918 | 50,005 | 4,173 | 21.3 min | 4.1% | $1,945 | +2% |
| 80916 | 41,104 | 2,235 | 22.6 min | 4.3% | $1,905 | −1% |
| 80920 | 36,923 | 2,974 | 21.9 min | 1.6% | $1,920 | 0% |
| 80909 | 35,486 | 4,475 | 21.2 min | 6.5% | $1,950 | +2% |
| 80923 | 31,772 | 4,549 | 25.1 min | 2.5% | $2,010 | +5% |
| 80910 | 31,368 | 5,134 | 24.1 min | 7.6% | $2,010 | +5% |
| 80922 | 30,453 | 5,225 | 24.1 min | 3.3% | $2,010 | +5% |
| 80917 | 30,398 | 5,415 | 25.0 min | 5.8% | $2,030 | +6% |
| 80907 | 27,815 | 2,826 | 22.1 min | 4.9% | $1,920 | 0% |
| 80919 | 27,787 | 1,015 | 21.2 min | 2.2% | $1,810 | −5% |
| 80915 | 23,884 | 3,040 | 24.0 min | 3.9% | $1,955 | +2% |
| 80904 | 21,158 | 1,895 | 21.3 min | 5.0% | $1,870 | −2% |
| 80924 | 19,619 | 3,353 | 24.8 min | 0.9% | $1,975 | +3% |
| 80925 | 17,273 | 602 | 25.8 min | 3.0% | $1,830 | −4% |
| 80905 | 16,672 | 3,259 | 22.0 min | 4.7% | $1,930 | +1% |
| 80903 | 16,491 | 3,067 | 20.7 min | 13.6% | $1,905 | −1% |
| 80927 | 8,036 | 1,788 | 30.1 min | 1.3% | $1,995 | +4% |
| 80951 | 5,219 | 1,784 | 26.8 min | 4.2% | $1,945 | +2% |
| 80938 | 1,664 | 313 | 16.4 min | 0.0% | $1,640 | −14% |
| 80914 | 504 | 761 | 9.2 min | 0.0% | $1,625 | −15% |
Minimum car insurance in Colorado Springs
Colorado Springs drivers follow Colorado's rules: at least 25/50/15 liability coverage. Colorado is at-fault (tort). We estimate state-minimum coverage in Colorado Springs at $685 a year, and $995 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $15,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Colorado does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured/underinsured motorist coverage is included in the policy unless the named insured rejects it in writing; uninsured motorist property damage is optional. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Included together with uninsured motorist coverage unless rejected in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | $5,000 Medical payments coverage of $5,000 is included unless the named insured rejects it. | Medical bills for you and your passengers |
Risk factors that shape Colorado Springs premiums
Accidents
Colorado recorded 689 traffic deaths, or 1.25 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Colorado's vehicle theft rate is 305 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates El Paso County as relatively high for hail, relatively high for inland flooding and relatively high for strong wind.
Traffic & commuting
5.1% of Colorado Springs commuters spend an hour or more getting to work, and there are 1.88 vehicles per household. 17.6% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.1 | Comprehensive (car); roof claims (home) | |
| Tornado | 96.8 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 95.0 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 90.2 | Comprehensive; dwelling | |
| Winter weather | 99.9 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Colorado Springs by driver profile
A clean-record driver in their 50s pays the least in our Colorado Springs model (about $1,760 for full coverage); an 18-year-old on their own policy pays about $5,265, and a DUI pushes a 30-something to $3,540.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,885 | $2,735 | $5,265 | $439 |
| Young adult (22) | $1,095 | $1,590 | $3,060 | $255 |
| Adult in their 30s | $685 | $995 | $1,915 | $160 |
| Adult in their 50s | $630 | $915 | $1,760 | $147 |
| Senior (72) | $770 | $1,115 | $2,145 | $179 |
| 30s, one at-fault accident | $995 | $1,440 | $2,775 | $231 |
| 30s, DUI on record | $1,270 | $1,840 | $3,540 | $295 |
Minimum vs. standard vs. full coverage in Colorado Springs
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $685 | $57 | $560–$810 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $995 | $83 | $815–$1,175 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,915 | $159 | $1,570–$2,260 |
Estimate your premium in Colorado Springs
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Cheap car insurance in Colorado Springs: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Colorado Springs's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $130 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $135 | You're among the 17.6% of Colorado Springs workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $505 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $920 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $420 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Colorado Springs
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 112 offices listed below.
- Check complaint records with the Colorado Division of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Colorado Springs, our estimates differ by up to $405 a year between neighborhoods.
Car insurance agents near Colorado Springs, CO
We found 112 insurance offices within about 11 miles of central Colorado Springs, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Steven Michael Messamer - Farmers Insurance
2790 N Academy Blvd, Colorado Springs, CO 80917 -
Toufic Diab Agency LLC
2790 N Academy Blvd, Ste 140, Colorado Springs, CO 80917 -
Zachary Campbell Smith - Farmers Insurance
2121 Academy Cir, Colorado Springs, CO 80909 -
Matthew Frank Solano - Farmers Insurance
4045 S Nonchalant Cir, Colorado Springs, CO 80917 -
Daniel Roman Dago Vogts - Farmers Insurance
3510 Galley Rd, Colorado Springs, CO 80909 -
John Hall - State Farm
3505 Austin Bluffs Parkway, Ste 225, Colorado Springs, CO 80918 -
Permier Group Insurance
CO -
Jason Ryan Committe - Farmers Insurance
4763 N Carefree Cir, Colorado Springs, CO 80917 -
Jenni King - State Farm
4291 Astn Blffs Parkway, Suite 207, Colorado Spgs, CO 80918 -
Ryan James Reardon - Farmers Insurance
3225 Templeton Gap Rd, Colorado Springs, CO 80907 -
Brandon Sullivan - State Farm
5611 Constitution Avenue, Colorado Springs, CO 80915 -
Dustin Richard Larsen - Farmers Insurance
4480 N Academy Blvd, Colorado Springs, CO 80918 -
Josh Korsvold - Allstate
5733 Constitution Ave, Colorado Springs, CO 80915 -
Fred Loya Insurance
CO -
Farmers Insurance
CO -
State Farm
5750 Palmer Park Boulevard, , CO 80915 -
Daniel Sanchez - Farmers Insurance
4444 Barnes Rd, Colorado Springs, CO 80917 -
Lisa M Martin Abelstad - Farmers Insurance
1837 Austin Blfs Pkwy, Colorado Springs, CO 80918 -
John Greene - American Family Insurance
2746 E Bijou St, Colorado Springs, CO 80909 -
Donny Saunders - Allstate
106 N Circle Dr, Colorado Springs, CO 80909 -
Todd Lauber Agency, INC
1135 E Fillmore St, Colorado Springs, CO 80907 -
Bryce Aric Lamb - Farmers Insurance
5740 N Carefree Cir, Colorado Springs, CO 80917 -
Samanthia Satchell - Farmers Insurance
1020 E Jefferson St, Colorado Springs, CO 80907 -
Chris K. Song - Allstate
225 S Academy Blvd, Ste 200, Colorado Springs, CO 80910 -
Colorado Family Insurance
1826 East Platte Avenue, #217, Colorado Springs, CO 80909 -
Kendrick Davis - American Family Insurance
5170 N Union Blvd, Ste 201, Colorado Springs, CO 80918 -
Larry Lucero - State Farm
5225 North Academy Blvd., Suite 108, Colorado Springs, CO 80918 -
Kelli Lynn Holt - Farmers Insurance
5376 Tomah Dr, Colorado Springs, CO 80918 -
Dane Grimes - American Family Insurance
5353 N Union Blvd, Ste 102, Colorado Springs, CO 80918 -
Brossard & Associates, Corp
5528 Library Ln, Unit B, Colorado Springs, CO 80918 -
Jim Brown - Allstate
6799 Bismark Rd, Ste F, Colorado Springs, CO 80922 -
Frank Calvetti Agency, Inc.
6789 Bismark Rd, Ste 220, Colorado Springs, CO 80922 -
Colorado Insurance Services
5527 N Union Blvd, Ste 101, Colorado Springs, CO 80918 -
Dorothy C Bee - Farmers Insurance
5484 Tomah Dr, Colorado Springs, CO 80918 -
Banks Insurance Associates LLC
2727 N Cascade Ave, Ste 190, Colorado Springs, CO 80907 -
Lorryn Garcia Agency, LLC
5585 Erindale Dr, Ste 103, Colorado Springs, CO 80918 -
Alyssa L Poppell - Farmers Insurance
611 N Weber St, #202, Colorado Springs, CO 80903 -
Premier Group Insurance
2811 East Fountain Boulevard, Colorado Springs, CO 80910 -
State Farm
CO -
Colorado Springs - American Family Insurance
6189 Lehman Drive, #101, Colorado Springs, CO 80918
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Colorado Springs
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,440 | −25% |
| Subaru Outback | Wagon | $1,455 | −24% |
| Tesla Model 3 | Midsize car | $1,960 | +2% |
| Subaru Forester | Small SUV | $1,425 | −26% |
| Honda Civic | Compact car | $2,140 | +12% |
| Toyota Corolla | Compact car | $2,020 | +5% |
| Jeep Wrangler | Midsize SUV | $1,575 | −18% |
| Mazda CX-5 | Small SUV | $1,600 | −16% |
| MINI Cooper | Subcompact car | $1,445 | −25% |
| Tesla Model Y | Midsize SUV | $1,765 | −8% |
More car insurance topics in Colorado Springs
Car insurance in nearby Colorado cities
- Pueblo $1,815/yr · 42 mi
- Centennial $2,015/yr · 50 mi
- Lakewood $2,005/yr · 61 mi
- Aurora $2,020/yr · 61 mi
- Denver $2,030/yr · 62 mi
- Arvada $2,000/yr · 67 mi
- Thornton $2,105/yr · 70 mi
- Westminster $2,030/yr · 72 mi
- Boulder $1,880/yr · 84 mi
- Longmont $1,980/yr · 92 mi
- Greeley $1,935/yr · 107 mi
- Fort Collins $1,875/yr · 117 mi
All Colorado cities and state rules · Homeowners insurance in Colorado Springs
Frequently asked questions
How much is car insurance in Colorado Springs, CO?
We estimate full coverage in Colorado Springs at about $1,915 a year ($159 a month) for a driver in their 30s with a clean record, and about $685 for Colorado's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Colorado Springs more expensive than the Colorado average?
Our Colorado Springs estimate is 5% higher than the statewide figure. The model reflects a population density of 2,442 people per square mile (the typical Colorado resident lives at about 640) and an average commute of 22.7 minutes versus 25.2 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Colorado Springs?
Drivers in Colorado Springs follow Colorado law: at least 25/50/15 liability coverage.
Which ZIP code in Colorado Springs has the cheapest car insurance?
Among Colorado Springs's 20 ZIP codes, 80914 has the lowest estimate (about $1,625 a year for full coverage) and 80917 the highest (about $2,030), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Colorado Springs?
An 18-year-old with their own full-coverage policy would pay around $5,265 a year in Colorado Springs by our estimate ($1,885 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Colorado Springs?
Yes. FEMA's National Risk Index rates El Paso County for hail (relatively high), inland (river) flooding (relatively high), and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Colorado Springs?
We list 112 insurance offices in and around Colorado Springs, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Colorado Division of Insurance: Auto Insurance
- Colorado DMV: SR-22 and Insurance Information
- Colorado DMV: Suspension and Reinstatement FAQs
- Colorado Division of Insurance: Premium Comparison Reports
- Colorado Division of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Colorado Springs and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places