Cheap Car Insurance in Colorado Springs

Written by Xuyun Zeng and 1 other
Updated Jan 7, 2025
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Cheap Car Insurance in Colorado Springs

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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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$36 $435 Bristol West 49 October 23, 2024 Colorado Springs, CO 80917
$36 $437 Mendota 65 July 8, 2024 Colorado Springs, CO 80917
$38 $457 Bristol West 63 February 18, 2025 Colorado Springs, CO 80923
$39 $465 Progressive 49 October 23, 2024 Colorado Springs, CO 80917
$39 $467 Progressive 46 January 8, 2025 Colorado Springs, CO 80925
$40 $485 Progressive 28 December 7, 2024 Colorado Springs, CO 80919
$43 $512 Progressive 35 October 21, 2024 Colorado Springs, CO 80911
$43 $519 Progressive 32 November 9, 2024 Colorado Springs, CO 80907
$45 $537 The General 49 October 23, 2024 Colorado Springs, CO 80917
$45 $539 Bristol West 50 April 28, 2025 Colorado Springs, CO 80909
Last Updated May 8, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$49 $588 Progressive 26 October 26, 2024 Colorado Springs, CO 80920
$52 $620 Progressive 26 October 24, 2024 Colorado Springs, CO 80920
$52 $627 Progressive 26 October 25, 2024 Colorado Springs, CO 80920
$53 $634 Progressive 26 August 31, 2024 Colorado Springs, CO 80920
$53 $635 Progressive 26 August 27, 2024 Colorado Springs, CO 80920
$55 $661 Bristol West 28 April 14, 2025 Colorado Springs, CO 80904
$56 $671 Progressive 26 September 14, 2024 Colorado Springs, CO 80920
$59 $707 Progressive 43 April 5, 2025 Colorado Springs, CO 80923
$60 $723 Progressive 68 May 1, 2024 Colorado Springs, CO 80906
$66 $795 Progressive 29 January 25, 2024 Colorado Springs, CO 80904
Last Updated May 6, 2025

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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$40 $485 Progressive 28 No December 7, 2024 Colorado Springs, CO 80919
$49 $586 Trexis 26 No August 27, 2024 Colorado Springs, CO 80920
$49 $588 Progressive 26 Yes October 26, 2024 Colorado Springs, CO 80920
$52 $620 Progressive 26 Yes October 24, 2024 Colorado Springs, CO 80920
$52 $627 Progressive 26 Yes October 25, 2024 Colorado Springs, CO 80920
Last Updated May 6, 2025

Cheapest car insurance for mature drivers in Colorado Springs (30-54 years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$36 $433 Progressive 36 No March 25, 2025 Colorado Springs, CO 80905
$36 $435 Bristol West 49 No October 23, 2024 Colorado Springs, CO 80917
$39 $465 Progressive 49 No October 23, 2024 Colorado Springs, CO 80917
$39 $467 Progressive 46 No January 8, 2025 Colorado Springs, CO 80925
$43 $512 Progressive 35 No October 21, 2024 Colorado Springs, CO 80911
Last Updated May 6, 2025

Cheapest car insurance for older drivers (55+ years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$36 $437 Mendota 65 No July 8, 2024 Colorado Springs, CO 80917
$38 $457 Bristol West 63 No February 18, 2025 Colorado Springs, CO 80923
$54 $643 Progressive 68 No November 28, 2024 Colorado Springs, CO 80916
$57 $679 Progressive 56 No April 23, 2025 Colorado Springs, CO 80917
$57 $679 Progressive 65 No July 8, 2024 Colorado Springs, CO 80917
Last Updated May 6, 2025

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.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
ZIP Code
$36 $435 Bristol West 49 October 23, 2024 No Colorado Springs, CO 80917
$36 $437 Mendota 65 July 8, 2024 No Colorado Springs, CO 80917
$38 $457 Bristol West 63 February 18, 2025 No Colorado Springs, CO 80923
$39 $465 Progressive 49 October 23, 2024 No Colorado Springs, CO 80917
$39 $467 Progressive 46 January 8, 2025 No Colorado Springs, CO 80925
$40 $485 Progressive 28 December 7, 2024 No Colorado Springs, CO 80919
$43 $519 Progressive 32 November 9, 2024 No Colorado Springs, CO 80907
$45 $537 The General 49 October 23, 2024 No Colorado Springs, CO 80917
$52 $628 Mendota 54 April 27, 2025 No Colorado Springs, CO 80904
$53 $633 Progressive 48 April 19, 2025 No Colorado Springs, CO 80920
Last Updated May 6, 2025

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.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $45 $539 Bristol West 50 April 28, 2025 Colorado Springs, CO 80909
<550 $53 $633 Progressive 48 April 19, 2025 Colorado Springs, CO 80920
<550 $55 $654 Mendota 50 April 28, 2025 Colorado Springs, CO 80909
<550 $59 $707 The General 52 May 14, 2024 Colorado Springs, CO 80906
<550 $59 $708 National General 42 April 16, 2025 Colorado Springs, CO 80922
<550 $68 $821 The General 42 January 26, 2024 Colorado Springs, CO 80922
<550 $74 $883 Progressive 74 February 3, 2024 Colorado Springs, CO 80918
<550 $74 $887 The General 34 August 26, 2024 Colorado Springs, CO 80903
<550 $74 $887 The General 34 June 30, 2024 Colorado Springs, CO 80903
<550 $77 $923 Mendota 45 November 27, 2024 Colorado Springs, CO 80904
Last Updated May 6, 2025

Cheapest car insurance for drivers with at-fault accidents in Colorado Springs

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With No Injury $43 $512 Progressive 35 No October 21, 2024 Colorado Springs, CO 80911
At Fault With No Injury $45 $539 Bristol West 50 No April 28, 2025 Colorado Springs, CO 80909
At Fault With No Injury $49 $586 Trexis 26 No August 27, 2024 Colorado Springs, CO 80920
At Fault With No Injury $49 $588 Progressive 26 Yes October 26, 2024 Colorado Springs, CO 80920
At Fault With No Injury $52 $620 Progressive 26 Yes October 24, 2024 Colorado Springs, CO 80920
Last Updated May 6, 2025

Cheapest car insurance for drivers with speeding tickets in Colorado Springs

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
Speeding under 15 $92 $1,105 Mendota 52 August 2, 2024 Colorado Springs, CO 80922
Speeding under 15 $100 $1,205 Trexis 52 August 2, 2024 Colorado Springs, CO 80922
Speeding under 15 $106 $1,269 The General 34 January 18, 2024 Colorado Springs, CO 80918
Speeding under 15 $111 $1,335 The General 21 September 9, 2024 Colorado Springs, CO 80919
Speeding under 15 $121 $1,447 The General 23 March 15, 2025 Colorado Springs, CO 80907
Last Updated May 7, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.