Best Car Insurance Companies in Colorado Springs, CO

When shopping for auto insurance, it's important to take into account your specific needs and driver profile as they will affect which company is best for you. American National offers the best full and minimum coverage policies, and it's also best for young adults, seniors and drivers with offenses. Acuity is best for customer service, while Auto-Owners is best for teens and Allstate is the best choice for those with a new car.

MoneyGeek also compiled the cheapest car insurance companies in Colorado Springs for those looking to save on car insurance.

In Colorado Springs, the following companies offer the best auto insurance:

• American National: MoneyGeek score 83 out of 100 ($566 per year)
• American Family: MoneyGeek score 69 out of 100 ($884 per year)

American National is our top pick among the 13 providers we ranked in Colorado Springs, largely due to its high customer satisfaction and affordability ratings. The insurer earned the third-highest score for customer satisfaction and ranked first for affordability, offering policyholders quality service for a low cost.

For military personnel, USAA is also worth checking out. The company earned a MoneyGeek score of 78 out of 100 and caters specifically to military members and their families. Our analysis of the best auto insurance providers in Colorado found that American National is also the best overall insurer in the state.

Of the 13 insurance providers MoneyGeek evaluated in Colorado Springs, Colorado, American National emerged as our top choice based on its affordability and customer service rating. It offers the lowest rate for full coverage in our comparison group at $566 per year.

Colorado Farm Bureau ranked the highest for customer satisfaction, but it didn't qualify for a MoneyGeek score due to insufficient data. Acuity earned the best claims management rating, but it is the most expensive provider in the city based on our analysis, which brought down its overall score.

Rates mentioned are for full coverage policies, and MoneyGeek scores were only assigned to companies if enough data could be found for each scoring component.

Regardless of cost, the best auto insurance providers in Colorado Springs for customer service are:

• Acuity: MoneyGeek score 78 out of 100 ($1,405 per year)
• American National: MoneyGeek score 67 out of 100 ($566 per year)

Acuity received the second-highest customer satisfaction rating and the highest claims management rating in our comparison group, but its excellent customer service doesn't come cheap — the company's average premium is the highest in the city.

Acuity is our top recommendation for the best car insurance company for customer service because it earned high ratings for claims handling and customer satisfaction, according to J.D. Power and the National Association of Insurance Commissioners (NAIC). These ratings indicate that the company is responsive to customer complaints and is helpful when drivers file claims.

American National, our runner-up, is much cheaper than Acuity but has lower claims management and customer satisfaction ratings.

Based on an analysis of affordability and service quality for policies that only meet Colorado’s minimum coverage requirements, the best companies in Colorado Springs are:

• American National P&C: MoneyGeek score 83 out of 100 ($215 per year)
• Auto-Owners: MoneyGeek score 70 out of 100 ($365 per year)

Minimum coverage policies are the most affordable, but they also include the least amount of liability coverage and provide no coverage for damage to your own car. The minimum car insurance requirements mandated in Colorado are applicable across all cities in the state.

Choosing cheap insurance sometimes means going with a company that has worse customer service, but American National allows Colorado Springs Drivers to get affordable rates — it ranked first on our comparison group — without sacrificing quality customer service.

Auto-Owners, our runner-up, scored higher for claims management but ranked lower for customer satisfaction and is more expensive than American National.

The following companies provide the best car insurance for young adults in Colorado Springs:

• American National: MoneyGeek score 83 out of 100 ($696 per year)
• American Family: MoneyGeek score 70 out of 100 ($1,105 per year)

American National earned top marks for affordability and ranked third for customer satisfaction in our study, offering policyholders great value for money.

When selecting an auto insurance provider, young adults should evaluate companies that provide inexpensive policies and coverages that meet their needs. College students should consider insurers that offer student-related discounts, such as safe driving, distant student or good student discounts. Although American Family has a better claims management rating, American National is cheaper and has a higher customer satisfaction score.

For teens on a family policy, the best car insurance providers in Colorado Springs are:

• GEICO: MoneyGeek score 66 out of 100 ($2,273 per year)
• Auto-Owners: MoneyGeek score 62 out of 100 ($3,322 per year)

GEICO stands out for its high customer satisfaction and affordability ratings, making it an ideal option for teens searching for top-notch service at an affordable price. In Colorado Springs, teen drivers can save an average of $3,923 annually by being added to their parent's policy instead of opting for an individual policy. Keep in mind that in most cases, teens under 18 cannot legally purchase their policy without a parent or guardian as a cosigner. We analyzed the best car insurance for teens to help you determine the best option for you.

Teens and their parents should look for an insurance company that offers competitive rates and discounts for young drivers. It's also wise to choose an insurer that offers useful coverages like roadside assistance and accident forgiveness. GEICO covers all of these bases for teens in El Paso. Auto-Owners has higher ratings for claims processing but is a bit pricier than State Farm.

In Colorado Springs, the best car insurance companies for seniors are:

• American National: MoneyGeek score 83 out of 100 ($548 per year)
• American Family: MoneyGeek score 72 out of 100 ($777 per year)

American National came out on top in this category because it has the most affordable rates for seniors and earned the third-highest customer satisfaction rating in our comparison group. Drivers in their 60s usually pay rates comparable to those in their 30s through 50s, though rates tend to rise in their 70s.

Seniors in their 60s generally pay less than other age groups for car insurance since they are considered safe drivers. Older drivers should look for a policy that provides personal injury protection (PIP) or medical payments coverage in case they're injured in an accident and need medical care. American National does not have any discounts specifically for seniors, but it offers competitive rates and excellent service. American Family has more extensive coverage options but falls short in customer satisfaction and affordability.

The companies offering the best car insurance for drivers with offenses in Colorado Springs are:

• American National: MoneyGeek score 83 out of 100 ($834 per year)
• American Family: MoneyGeek score 78 out of 100 ($1,016 per year)

American National is our number one pick for drivers with violations due to its low rates and outstanding customer service — qualities that are particularly important for those with poor driving records since they tend to pay higher rates.

Car insurance premiums typically increase based on the severity of the offense. For example, drivers with a DUI in Colorado Springs will pay an average of $667 more per year than those with clean driving records, while drivers with a speeding violation only pay an average of $422 more per year.

The best insurance company for drivers with offenses provides reasonable rates and discounts to counteract higher premiums. American National offers the cheapest premium in our comparison group and earned excellent customer satisfaction ratings, making it our winner for drivers with offenses. American Family is also a solid option with more coverage options and a slightly higher claims management score, but it falls behind American National in affordability and customer satisfaction.

The best company for those with a new car in Colorado Springs is Allstate. Here are our top picks:

• Allstate: MoneyGeek score 55 out of 100 ($1,462 per year)
• Kemper: MoneyGeek score 50 out of 100 ($1,306 per year)

We ranked insurers for this category based on cost and quality of service for drivers with a 2022 model car in Colorado Springs. We only considered companies that provide new or better car replacement coverage, which pays for a new car should your current vehicle be deemed a total loss following an accident. Allstate came out on top in this category thanks to its high customer satisfaction and coverage scores.

Due to its high ratings from J.D. Power’s customer satisfaction study and the National Association of Insurance Commissioners (NAIC) customer complaint index, Allstate is our top selection for drivers with new cars. It provides new car replacement coverage, which is an important coverage option for drivers with newer cars. Kemper, our second-best option, is the most affordable of the two but lags behind in terms of customer service.

One size does not fit all when it comes to auto insurance — the best insurer for you depends on your unique needs and preferences. MoneyGeek answered the most frequently asked questions about Colorado Springs auto insurance to help you find the best fit.