Colorado Springs drivers pay an average of $2,390/year — $619 more than the national average. With 7,343 crashes per year and a 3.3 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $866/year.
(888) 217-6781Estimated full coverage auto insurance rates for Colorado Springs, CO from top carriers. Rates are adjusted for Colorado Springs's 7,343 annual crashes, 3.3 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $795 | $133/mo |
| GEICO | $908 | $151/mo |
| Progressive | $1,021 | $170/mo |
| American Family | $1,071 | $178/mo |
| State Farm | $1,115 | $186/mo |
Estimates based on 2026 rate filings for ZIP 80903. USAA is cheapest at ~$133/mo. Actual rates vary by driver profile and exact Colorado Springs location.
These Colorado Springs-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Colorado Springs, CO. Takes under 2 minutes.
(888) 217-6781As a major city in Colorado with 478,961 residents, Colorado Springs combines urban traffic density with suburban sprawl. This mix creates varied driving conditions — from congested downtown arteries to high-speed suburban connectors — that influence insurance pricing. Vehicle theft and accident rates in Colorado Springs track above the state average due to the metro area's size, but savvy drivers find competitive rates by comparing multiple carriers.
For official Colorado insurance regulations, visit the Colorado Division of Insurance. For driver licensing, see the Colorado DMV.
Your specific ZIP code within Colorado Springs can swing your premium by hundreds of dollars. Here's how rates compare across Colorado Springs neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 80906 | Colorado Springs South Side | $2,268/yr | $189/mo |
| 80907 | Colorado Springs North Side | $2,303/yr | $192/mo |
| 80911 | Colorado Springs West Side | $2,352/yr | $196/mo |
| 80913 | Colorado Springs East Side | $2,474/yr | $206/mo |
| 80903 | Colorado Springs Downtown/Central | $2,535/yr | $211/mo |
The cheapest ZIP is 80906 (Colorado Springs South Side) at $2,268/yr. The most expensive is 80903 (Colorado Springs Downtown/Central) at $2,535/yr — a $267/year difference for the same driver.
Your Colorado Springs ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Colorado Springs. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $5,019/yr | $418/mo | +110% vs avg |
| Young Adult (20-25) | $3,346/yr | $279/mo | +40% vs avg |
| Adult (26-35) | $2,390/yr | $199/mo | 0% vs avg |
| Mid-Career (36-50) | $2,103/yr | $175/mo | -12% vs avg |
| Senior (51-65) | $1,984/yr | $165/mo | -17% vs avg |
| 65+ | $2,127/yr | $177/mo | -11% vs avg |
Teens in Colorado Springs pay an average of $5,019/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,984/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Colorado cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Colorado Springs drivers can save up to $866/year. ZIP 80906 (Colorado Springs South Side) has the lowest rates starting at $2,268/yr.
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