Colorado Springs residents are prepared for the sudden snow storms, black ice and high winds that can make driving a challenge. Toss in some I-25 congestion, steep grades and a fair amount of tourist traffic and you have a lot of reasons to make sure your car and finances are protected with proper insurance coverage.
We’ve rounded up quotes from Jerry customers in Colorado Springs to help you better understand how various factors like age, driving history and coverage needs affect your premium as you shop for quality insurance you can afford.
Cheapest minimum coverage insurance in Colorado Springs
In Colorado, the minimum auto insurance requirements are:
- Bodily injury liability coverage of $25,000 per person and $50,000 per accident.
- Property damage liability coverage of $15,000 per accident.
Here are the cheapest insurance rates for minimum coverage in Colorado Springs.
If you have a loan or lease on your vehicle, the lender will require
Cheapest full coverage insurance in Colorado Springs
Full coverage consists of collision and comprehensive insurances, which can protect you from damage to your car in case of an accident, regardless of who’s at fault, or mishaps such as wildlife- or weather-related incidents.
Here are some of the cheapest full coverage quotes from real Jerry customers.
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
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|---|---|---|---|---|---|---|
| $46 | $554 | 39 | 08/07/25 | 80905 | ||
| $51 | $609 | 50 | 06/07/25 | 80904 | ||
| $63 | $757 | 65 | 06/29/25 | 80920 | ||
| $64 | $762 | 38 | 07/02/25 | 80922 | ||
| $67 | $809 | 65 | 07/13/25 | 80917 | ||
| $68 | $811 | 66 | 08/22/25 | 80904 | ||
| $68 | $815 | 54 | 10/31/25 | 80909 | ||
| $76 | $907 | 51 | 09/03/25 | 80907 | ||
| $76 | $917 | 38 | 06/15/25 | 80918 | ||
| $77 | $929 | 45 | 10/30/25 | 80918 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
Cheapest car insurance for young drivers in Colorado Springs (18-29 years old)
Young drivers often receive high rates because insurers believe they are riskier than older drivers, but that doesn't mean you have to put off your dreams of hitting the open road.
Here are the cheapest quotes that young Colorado Springs Jerry customers have received.
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $56 | $677 | 26 | No | 08/04/25 | 80903 | ||
| $61 | $733 | 29 | No | 09/24/25 | 80903 | ||
| $63 | $759 | 29 | No | 08/19/25 | 80905 | ||
| $67 | $803 | 23 | No | 11/05/25 | 80924 | ||
| $67 | $808 | 28 | No | 10/10/25 | 80915 | ||
| $68 | $811 | 66 | 08/22/25 | 80904 | |||
| $68 | $815 | 54 | 10/31/25 | 80909 | |||
| $76 | $907 | 51 | 09/03/25 | 80907 | |||
| $76 | $917 | 38 | 06/15/25 | 80918 | |||
| $77 | $929 | 45 | 10/30/25 | 80918 |
Cheapest car insurance for mature drivers in Colorado Springs (30-54 years old)
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $27 | $319 | 38 | No | 07/18/25 | 80916 | ||
| $38 | $451 | 53 | No | 09/14/25 | 80919 | ||
| $38 | $459 | 31 | No | 07/22/25 | 80917 | ||
| $44 | $522 | 46 | No | 06/14/25 | 80915 | ||
| $46 | $552 | 49 | No | 09/13/25 | 80917 | ||
| $68 | $811 | 66 | 08/22/25 | 80904 | |||
| $68 | $815 | 54 | 10/31/25 | 80909 | |||
| $76 | $907 | 51 | 09/03/25 | 80907 | |||
| $76 | $917 | 38 | 06/15/25 | 80918 | |||
| $77 | $929 | 45 | 10/30/25 | 80918 |
Cheapest car insurance for older drivers (55+ years old)
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $23 | $271 | 56 | No | 09/20/25 | 80918 | ||
| $41 | $495 | 74 | No | 08/29/25 | 80923 | ||
| $52 | $626 | 64 | No | 10/01/25 | 80911 | ||
| $54 | $652 | 65 | No | 09/08/25 | 80917 | ||
| $60 | $724 | 59 | No | 10/31/25 | 80922 | ||
| $68 | $811 | 66 | 08/22/25 | 80904 | |||
| $68 | $815 | 54 | 10/31/25 | 80909 | |||
| $76 | $907 | 51 | 09/03/25 | 80907 | |||
| $76 | $917 | 38 | 06/15/25 | 80918 | |||
| $77 | $929 | 45 | 10/30/25 | 80918 |
Cheapest car insurance for drivers with clean records in Colorado Springs
Drivers with no claims or violations typically have a better chance of getting low premiums. These are some of the cheapest quotes that Jerry customers with a clean record in Colorado Springs have received.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $23 | $271 | 56 | 09/20/25 | No | 80918 | ||
| $27 | $319 | 38 | 07/18/25 | No | 80916 | ||
| $38 | $451 | 53 | 09/14/25 | No | 80919 | ||
| $38 | $459 | 31 | 07/22/25 | No | 80917 | ||
| $41 | $495 | 74 | 08/29/25 | No | 80923 | ||
| $44 | $522 | 46 | 06/14/25 | No | 80915 | ||
| $46 | $552 | 49 | 09/13/25 | No | 80917 | ||
| $46 | $554 | 39 | 08/07/25 | Yes | 80905 | ||
| $49 | $591 | 53 | 09/10/25 | No | 80919 | ||
| $51 | $609 | 50 | 06/07/25 | Yes | 80904 |
Cheapest car insurance for drivers with low credit scores in Colorado Springs
A credit score below 550 could cause insurers to charge higher premiums, meaning you may have to do more comparison shopping to find a low rate. Here are some examples of the cheapest car insurance rates Jerry customers with a low credit score in Colorado Springs were quoted.
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Credit Score
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
Credit Score
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| <550 | $48 | $570 | 61 | 11/02/25 | 80905 | ||
| <550 | $61 | $727 | 43 | 02/04/25 | 80911 | ||
| <550 | $61 | $729 | 36 | 10/07/25 | 80910 | ||
| <550 | $66 | $789 | 52 | 10/01/25 | 80910 | ||
| <550 | $68 | $810 | 50 | 07/02/25 | 80910 | ||
| <550 | $72 | $867 | 38 | 10/17/24 | 80911 | ||
| <550 | $73 | $881 | 34 | 11/04/25 | 80918 | ||
| <550 | $82 | $984 | 28 | 09/22/25 | 80916 | ||
| <550 | $85 | $1,023 | 44 | 01/04/25 | 80923 | ||
| <550 | $87 | $1,047 | 25 | 04/25/25 | 80917 |
Cheapest car insurance for drivers with at-fault accidents in Colorado Springs
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At-fault Accident on Record
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Monthly Quote
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Annual Quote
|
Insurance Company
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Age
|
Has Full Coverage
|
Date of Policy
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City, State
|
ZIP Code
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|---|
|
At-fault Accident on Record
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Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
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ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $57 | $683 | 39 | No | 10/13/25 | 80916 | ||
| At Fault With No Injury | $65 | $785 | 30 | No | 04/21/25 | 80924 | ||
| At Fault With No Injury | $71 | $851 | 27 | No | 06/27/25 | 80917 | ||
| At Fault With No Injury | $71 | $852 | 33 | No | 02/18/25 | 80915 | ||
| At Fault With No Injury | $75 | $896 | 29 | No | 10/18/25 | 80916 | ||
| $72 | $867 | 38 | No | 10/17/24 | 80911 | |||
| $73 | $881 | 34 | No | 11/04/25 | 80918 | |||
| $82 | $984 | 28 | Yes | 09/22/25 | 80916 | |||
| $85 | $1,023 | 44 | No | 01/04/25 | 80923 | |||
| $87 | $1,047 | 25 | Yes | 04/25/25 | 80917 |
Cheapest car insurance for drivers with speeding tickets in Colorado Springs
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Violation Summary
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Monthly Quote
|
Annual Quote
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Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding under 15 | $57 | $686 | 28 | 06/13/25 | 80910 | ||
| Speeding under 15 | $65 | $781 | 41 | 07/06/25 | 80915 | ||
| Speeding under 15 | $72 | $859 | 30 | 07/16/25 | 80910 | ||
| Speeding under 15 | $84 | $1,004 | 43 | 06/26/25 | 80916 | ||
| Speeding under 15 | $120 | $1,445 | 47 | 09/05/25 | 80907 | ||
| $72 | $867 | 38 | 06/14/25 | 80911 | |||
| $73 | $881 | 34 | 09/13/25 | 80918 | |||
| $82 | $984 | 28 | 08/07/25 | 80916 | |||
| $85 | $1,023 | 44 | 09/10/25 | 80923 | |||
| $87 | $1,047 | 25 | 06/07/25 | 80917 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
