Cheapest Car Insurance in Colorado Springs, CO (2025)

Colorado Springs drivers pay an average of $792 per year for minimum coverage and $2,016 per year for full coverage. The city has some of Colorado's highest rates due to elevated rates of auto theft and accidents. 

• Cheapest minimum liability coverage: American National delivers Colorado Springs' most affordable minimum coverage at $389 per year ($32 monthly). That's 51% lower than the city average of $792, saving you $403 annually. GEICO ranks second for minimum coverage at $492 per year ($41 monthly), a 38% savings compared to the city average.
• Cheapest full coverage: American National provides the most budget-friendly full coverage at $1,060 annually ($88 monthly), 47% below the city average of $2,016. That's $956 in annual savings. GEICO's full coverage costs $1,475 per year ($123 monthly), still 27% below the city average but $415 more than American National annually.

Young drivers in Colorado Springs have the steepest car insurance costs, while adults and seniors enjoy more affordable options. Here are the most affordable car insurance companies in Colorado Springs by age group:

• Adults: American National at $32 and GEICO at $41 monthly
• Seniors: American National at $52 and GEICO at $64 monthly
• Young drivers: American National at $76 and Farm Bureau at $97 monthly

GEICO helps young drivers under 25 cut costs through multiple programs. American National offers seniors aged 50 and above a Senior Defensive Driver discount, reducing premiums up to 10% after completing an approved course.

Car insurance is more expensive if you have driving violations. Here are your cheapest car insurance options in Colorado Springs by violation type:

• Accident: American National at $43 and Farm Bureau at $57 monthly
• Ticket: American National at $37 and GEICO at $54 monthly
• DUI: American National at $48 and State Farm at $61 monthly

Minor violations stay on your record for seven years, but rates decrease after three years.

Where you live in Colorado Springs directly impacts your car insurance costs. Drivers in ZIP code 80903 pay the highest rates at $190 monthly for full coverage, while those in 80912 enjoy the most affordable premiums at just $158 monthly.

American National earned 85 out of 100 on MoneyGeek's rating scale, establishing it as the top car insurance provider. GEICO follows with a score of 83 out of 100. American National dominates in affordability while offering good coverage options for policyholders. 

We assessed factors including agent network ratings, complaint data from the National Association of Insurance Commissioners, J.D. Power studies and customer reviews across multiple platforms.

GEICO also excels in affordability and reliable service. Both companies maintain excellent financial stability ratings, ensuring they can meet their obligations to policyholders when claims arise.

See below for why each insurer is best and which fits your needs.

Colorado Springs residents have high car insurance costs compared to other areas in the state. Shop around, reduce your premiums and select appropriate coverage for your needs:

Our insurance experts address common questions about finding budget-friendly car insurance in Colorado Springs:

Colorado Springs drivers pay some of the state's highest car insurance rates. We built this analysis to help you find reliable coverage without overpaying for your specific situation.

We analyzed hundreds of thousands of quotes from major insurers using data from the Colorado Division of Insurance and Quadrant Information Services. Our research covered all Colorado Springs ZIP codes and adjusted for driver profiles including age, driving record, credit score and military affiliation. 

Our rating system weighs three factors:

Affordability (60%): Premiums matter most when you're deciding whether you can maintain coverage long-term. We compared minimum coverage (Colorado's state liability requirements) and full coverage (liability plus comprehensive and collision with $1,000 deductibles) to show savings across coverage levels.

Customer experience (30%): Google reviews and J.D. Power ratings reveal how insurers handle claims and resolve problems. This factor accounts for real customer interactions during stressful moments like filing hail damage claims or handling vehicle theft reports.

Coverage options (10%): More choices mean better odds of matching coverage to Colorado Springs risks like hail damage, uninsured motorists and theft in high-risk areas.