Car insurance rates in Colorado Springs

The auto insurance rates published in this guide are based on the results of research completed by Way.com's data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only.

- Colorado Farm Bureau provides the cheapest liability coverage at $27 per month in Colorado Springs.
- Colorado Farm Bureau offers the cheapest rates for full coverage insurance in Colorado Springs at $69 per month.

Read on to learn more about car insurance price trends in Colorado Springs. More car insurance rate data is available in the original article at Way.com.

Cheapest liability insurance in Colorado Springs

For drivers looking to meet Colorado Springs minimum car insurance requirements, liability-only insurance is the most budget-friendly choice.

Cheapest liability insurance in Colorado Springs
#1. Colorado Farm Bureau: $27
#2. American National P&C: $29
#3. Colorado Farm Bureau Mutual: $40
#4. USAA: $43
#5. Acuity: $51

Cheap full coverage in Colorado Springs

Full coverage combines liability, comprehensive, and collision insurance, offering broader protection than liability coverage, which only covers damages or injuries you cause to others.

Cheapest full coverage insurance in Colorado Springs
#1. Colorado Farm Bureau: $69
#2. American National P&C: $75
#3. Auto-Owners Insurance Co: $113
#4. Acuity: $123
#5. Colorado Farm Bureau Mutual: $144

Impact of traffic violations on Colorado Springs auto insurance rates

In Colorado Springs, your car insurance premiums can rise significantly due to traffic violations. The extent of the increase depends on factors such as the violation type, local regulations, and the insurer's policies. Minor offenses like speeding might cause a small increase, while more serious violations, such as DUIs, can lead to much higher rates. Additionally, the effect on premiums in Colorado Springs may differ from the national average due to regional risks and rules.

Here's a breakdown of average auto insurance rates in Colorado Springs after common driving violations.

- No violation: $248
- Not-at-fault accident: $253
- Failure to wear a seat belt: $276
- Speeding 6 - 10 MPH over limit: $305
- Speeding 21 - 25 MPH over limit: $339
- DUI: $445
- Reckless driving: $431
- Driving with a suspended license: $391
- Leaving scene of an accident/hit and run: $462