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.
| 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 |
| Get a Custom Quote for Your Car Go | |||
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.
| 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 |
| Get a Custom Quote for Your Truck Go | |||
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.
| 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 |
| Get a Custom Quote for Your SUV or Crossover Go | |||
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.
- Step 1: It will benefit you to learn about the coverage provided by your policy and the changes you can make to prevent high rates. Many rating factors that cause high rates such as speeding tickets, careless driving and a not-so-good credit history can be remedied by making minor changes in your lifestyle.
- Step 2: Compare price quotes from direct, independent, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like GEICO and Allstate, while independent agents can give you price quotes for a wide range of companies. Select a company
- Step 3: Compare the new rate quotes to the price on your current policy to see if a cheaper price is available. If you find better rates and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
- Step 4: Provide written notification to your current company to cancel your current auto insurance policy and submit a down payment and signed policy application to your new company or agent. Immediately upon receiving it, place the new certificate verifying proof of insurance in your vehicle.
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.
| 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 |
| Compare Rates Now Go | ||||||
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.