Cheap Car Insurance in Colorado Springs

Written by Xuyun Zeng and 1 other

Updated Nov 3, 2025

Cheap Car Insurance in Colorado Springs

Colorado Springs drivers can expect their rates to vary depending on their age, driving history and coverage needs, but locals are finding low-cost coverage via Jerry. Compare real customer quotes to guide you as you shop for a reliable and affordable policy.

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Written by Xuyun Zeng and 1 other

Updated Nov 3, 2025

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.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Date of Quote	ZIP Code

$21	$247	39	08/31/25	80924
$22	$265	44	06/22/25	80919
$24	$285	30	09/25/25	80921
$25	$299	41	06/19/25	80906
$26	$315	39	10/04/25	80920
$29	$348	24	06/07/25	80917
$32	$385	36	08/14/25	80920
$33	$399	45	06/24/25	80924
$36	$429	44	06/23/25	80904
$37	$449	55	08/04/25	80908

Last Updated October 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.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Date of Quote	ZIP Code

$59	$713	39	06/24/25	80916
$64	$769	43	06/21/25	80905
$69	$831	77	09/08/25	80917
$73	$875	58	06/21/25	80907
$75	$905	64	07/12/25	80904
$76	$910	39	08/11/25	80911
$76	$917	41	09/06/25	80920
$82	$987	25	07/22/25	80906
$82	$987	54	08/27/25	80917
$86	$1,028	30	08/08/25	80921

Last Updated October 2025

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.

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$57	$689	23	No	08/31/25	80904
$62	$739	24	No	08/29/25	80916
$69	$831	29	No	08/19/25	80905
$70	$839	27	No	09/20/25	80903
$73	$881	29	No	10/08/25	80916
$76	$910	39		08/11/25	80911
$76	$917	41		09/06/25	80920
$82	$987	25		07/22/25	80906
$82	$987	54		08/27/25	80917
$86	$1,028	30		08/08/25	80921

Last Updated October 2025

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

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$21	$247	39	No	08/31/25	80924
$22	$265	44	No	06/22/25	80919
$26	$315	39	No	10/04/25	80920
$32	$385	36	No	08/14/25	80920
$33	$399	45	No	06/24/25	80924
$76	$910	39		08/11/25	80911
$76	$917	41		09/06/25	80920
$82	$987	25		07/22/25	80906
$82	$987	54		08/27/25	80917
$86	$1,028	30		08/08/25	80921

Last Updated October 2025

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

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Quote	ZIP Code

$51	$617	55	No	05/14/25	80904
$52	$618	56	No	05/08/25	80911
$66	$786	62	No	09/24/25	80916
$68	$810	62	No	08/26/25	80916
$69	$831	77	Yes	09/08/25	80917
$76	$910	39		08/11/25	80911
$76	$917	41		09/06/25	80920
$82	$987	25		07/22/25	80906
$82	$987	54		08/27/25	80917
$86	$1,028	30		08/08/25	80921

Last Updated October 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.

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	Has Full Coverage	City, State	ZIP Code

Monthly Quote	Annual Quote	Age	Date of Quote	Has Full Coverage	ZIP Code

$21	$247	39	08/31/25	No	80924
$22	$265	44	06/22/25	No	80919
$26	$315	39	10/04/25	No	80920
$32	$385	36	08/14/25	No	80920
$33	$399	45	06/24/25	No	80924
$36	$429	44	06/23/25	No	80904
$38	$455	39	06/30/25	No	80908
$39	$465	44	06/26/25	No	80911
$41	$487	43	09/15/25	No	80917
$45	$544	49	08/17/25	No	80905

Last Updated October 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	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Policy	City, State	ZIP Code

Credit Score	Monthly Quote	Annual Quote	Age	Date of Policy	ZIP Code

<550	$53	$631	41	09/06/25	80920
<550	$59	$707	52	05/14/24	80906
<550	$59	$708	42	04/16/25	80922
<550	$66	$789	52	10/01/25	80910
<550	$72	$863	46	06/14/25	80922
<550	$73	$873	32	07/15/25	80918
<550	$82	$984	28	09/22/25	80916
<550	$83	$1,001	44	09/26/25	80915
<550	$88	$1,056	25	04/24/25	80917
<550	$88	$1,059	37	07/16/25	80909

Last Updated October 2025

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

At-fault Accident on Record	Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Policy	City, State	ZIP Code

At-fault Accident on Record	Monthly Quote	Annual Quote	Age	Has Full Coverage	Date of Policy	ZIP Code

At Fault With No Injury	$32	$385	58	No	07/26/25	80917
At Fault With No Injury	$34	$403	37	No	06/10/25	80922
At Fault With No Injury	$53	$631	63	No	11/30/24	80910
At Fault With No Injury	$59	$708	42	No	04/16/25	80922
At Fault With No Injury	$62	$745	53	No	05/13/25	80916
	$73	$873	32	No	07/15/25	80918
	$82	$984	28	No	09/22/25	80916
	$83	$1,001	44	No	09/26/25	80915
	$88	$1,056	25	No	04/24/25	80917
	$88	$1,059	37	No	07/16/25	80909

Last Updated October 2025

Cheapest car insurance for drivers with speeding tickets in Colorado Springs

Violation Summary	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Violation Summary	Monthly Quote	Annual Quote	Age	Date of Quote	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
	$73	$873	32	06/23/25	80918
	$82	$984	28	06/30/25	80916
	$83	$1,001	44	06/26/25	80915
	$88	$1,056	25	09/15/25	80917
	$88	$1,059	37	08/17/25	80909

Last Updated Nov. 4, 2025

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.

^†Over the past 12 months, 25% of drivers who switched with Jerry paid $89 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.