Updated June 29, 2026

Who is Jerry?

Jerry is your proactive car insurance assistant. We help you compare personalized quotes side-by-side from 100+ top insurers, explain coverage in plain English, and switch policies in minutes. No bouncing between sites. No pressure to buy. Just clear options, expert guidance when you want it, and a seamless way to get covered.

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Cheap car insurance in Colorado Springs, CO

Colorado Springs drivers pay an average of $327 a month for full coverage and $113 a month for state minimum. Jerry compares 100+ insurers to find you a lower rate in minutes, with no spam calls and no pressure.

$44

Lowest state minimum quote Jerry has found in last 12 months

$102

Lowest full coverage quote Jerry has found in last 12 months

$210

Average monthly savings for drivers who switch and find savings

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Author

Megan Lee

Megan Lee is an editor, writer, and SEO with expertise in insurance, personal finance, travel, and healthcare. Her work has appeared in U.S. News & World Report, USA Today, and more. She has led remote content teams and strategies for sites like NerdWallet. When she`s not working, Megan enjoys discovering new coffee spots and attending themed events.

Credentials:

• 16 years as a professional writer and editor

• 6 years covering personal finance

Insurance Writer

Reviewer

Stephanie Colestock

Stephanie Colestock is a writer, CFEI®, and licensed insurance agent with over 14 years of experience specializing in personal finance topics like insurance, investing, retirement, and household budgeting. Her work has been featured in TIME, Forbes, USA Today, and other leading publications. Through her writing, Stephanie simplifies complex financial concepts, empowering readers to make smarter financial decisions.

Credentials:

• Certified Financial Education Instructor (CFEI) (2024)

• General Lines Agent, Property & Casualty (2025)

• 14 years as a professional writer and editor

• 10 years covering personal finance

Licensed Insurance Agent

Colorado Springs sits at the meeting point of two strong cost pressures for auto insurance: severe weather exposure that drives consistently elevated comprehensive claim costs across the Front Range, and a metro demographic shaped by one of the largest military populations in the country. Within those broader pressures, individual quotes can vary widely based on which carrier prices your specific profile most favorably, which is why comparison shopping matters more in markets like this one than in cities with flatter pricing curves.

Jerry compares 100+ insurers to help you save. We’ve found quotes for Colorado Springs drivers starting as low as $102 per month for full coverage (Lemonade) and $63 per month for state minimum (GEICO) in the last 12 months. Where you land depends on your profile, your ZIP and which carrier prices your risk most favorably right now.

Real recent quotes Jerry found for Colorado Springs drivers

Here are some recent quotes Jerry has pulled for drivers in Colorado Springs. These aren’t sample rates — they’re actual quotes pulled for Colorado Springs drivers in the last 30 days. Driver profiles, ZIP codes and coverage levels vary.

Jerry pulls up to 20 quotes from top rated carriers.

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What are the cheapest car insurance companies in Colorado Springs?

Right now, GEICO is the cheapest average carrier for Colorado Springs drivers at around $63 per month for state minimum coverage — but “cheapest overall” doesn’t always mean cheapest for you.

Colorado Springs has a noticeable gap between the cheapest state minimum carrier and the cheapest full coverage carrier in our data, which means the right pick for one tier may not be the right pick for the other. Price is only part of the equation. Here are four factors to consider as you shop:

• The cheapest option for Colorado Springs drivers with clean records is Lemonade. Drivers with clean records often see the most competitive pricing in the market, but the cheapest insurer can vary significantly from one driver to the next. Factors such as age, vehicle choice and coverage level still play a major role in determining which company offers the best rate.

• Colorado Springs pricing is heavily shaped by hail exposure, which consistently drives some of the highest comprehensive claim costs in the country and raises full coverage premiums across the city. Carriers price comprehensive coverage differently depending on their reinsurance arrangements, so checking deductible options is especially valuable here.

• Military households and multi vehicle families are especially common in Colorado Springs, making bundling and affinity discounts more important than in many comparable cities. Bundling auto with home or renters coverage can flip a carrier from one of the pricier options to one of the more competitive ones, and several national carriers offer affinity discounts tied to military service or membership.

• Altitude, winter weather and mountain driving conditions all contribute to higher claim frequency on Colorado policies, particularly for drivers regularly commuting through snow and ice. Carriers weigh these conditions differently in their rating models, which is part of why pulling multiple quotes is more valuable here than in flatter, drier metros.

That said, the right carrier for you depends on your driving record, age, and whether you’re bundling or qualify for other discounts. Jerry compares all of these factors across 100+ insurers at once, so you’re not guessing which scenario applies to you.

GEICO is the cheapest car insurance company in Colorado Springs for state minimum coverage at an average of $63 per month. 

Cheapest carriers in Colorado Springs by average, state minimum coverage

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
GEICO	$63	$44
GEICO	$63	$44
Lemonade	$76	$58
Root	$79	$63
Progressive	$82	$45

GEICO

Average monthly cost

$63

Cheapest quote we’ve found

$44

GEICO

Average monthly cost

$63

Cheapest quote we’ve found

$44

Lemonade

Average monthly cost

$76

Cheapest quote we’ve found

$58

Root

Average monthly cost

$79

Cheapest quote we’ve found

$63

Progressive

Average monthly cost

$82

Cheapest quote we’ve found

$45

Last Updated July 1, 2026

Based on Jerry data from the past 12 months.

Lemonade is the cheapest car insurance company in Colorado Springs for full coverage at an average of $139 per month. 

Cheapest carriers in Colorado Springs by average, full coverage

Insurer	Average monthly cost	Cheapest quote we’ve found

Insurer	Average monthly cost	Cheapest quote we’ve found
Lemonade	$139	$102
Root	$252	$159
Bristol West	$290	$177
Progressive	$302	$162
Sentry	$306	$202

Lemonade

Average monthly cost

$139

Cheapest quote we’ve found

$102

Root

Average monthly cost

$252

Cheapest quote we’ve found

$159

Bristol West

Average monthly cost

$290

Cheapest quote we’ve found

$177

Progressive

Average monthly cost

$302

Cheapest quote we’ve found

$162

Sentry

Average monthly cost

$306

Cheapest quote we’ve found

$202

Last Updated July 1, 2026

Based on Jerry data from the past 12 months.

Key takeaway: GEICO is the cheapest option for most Colorado Springs drivers, but Root can be more competitive for drivers with less-than perfect records or who need an SR-22 filed. Because insurers weigh risk factors differently, the cheapest option for one Colorado Springs driver may not be the cheapest for another. Jerry shows you multiple quotes at once so you can compare and save.

Compare 100+ insurers through Jerry in less than 5 minutes

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Why is car insurance expensive in Colorado Springs?

Drivers in Colorado Springs with clean records average $243/mo, which is above the CO state average ($235/mo) but below the national average of $262/mo. Colorado Springs’s position below the state average reflects relatively lower urban claim concentration than the larger Front Range metros, while statewide cost drivers like hail exposure and a high uninsured driver share still apply locally.

Colorado Springs car insurance rates by ZIP code

Car insurance rates can vary significantly across Colorado Springs, even between neighborhoods that are only a few miles apart. In general, drivers in more suburban and outlying areas tend to pay less than those in parts of the city with heavier traffic and higher claim activity. Local factors such as traffic patterns, vehicle theft rates and claims history can all influence what drivers pay for coverage.

Cheapest ZIP codes

The lowest-priced ZIP codes in Jerry’s Colorado Springs data are concentrated in the city’s western and northwestern neighborhoods, including areas near the foothills and the U.S. Air Force Academy. These parts of the metro tend to be more residential and less densely developed than many neighborhoods closer to the urban core. As with any city, local traffic patterns, claims activity and other neighborhood-level factors can contribute to differences in insurance costs from one ZIP code to another.

Most expensive ZIP codes

Some of the highest-priced ZIP codes in Jerry’s Colorado Springs data are concentrated on the city’s south and southeast sides, including areas near Fort Carson and several rapidly growing eastern neighborhoods. These parts of Colorado Springs tend to see heavier commuter traffic and different claims patterns than many west-side neighborhoods, which can contribute to higher insurance costs.

Colorado Springs car insurance rates by driver profile

ZIP code gets a lot of attention, but for most drivers it’s the second or third biggest factor in their rate — not the first. Age, driving record and credit score typically move the needle more.

Here’s what Jerry’s Colorado Springs data shows for each, and what it actually means for your quote.

By age

Colorado Springs follows the typical age-based pricing pattern seen across the country, with younger drivers paying the highest rates and premiums falling noticeably after age 25. Jerry’s Colorado Springs data shows a rate cliff around 25, resulting in a $30/mo drop between the 21-24 and 25-34 buckets for state minimum, and a $94/mo drop for full coverage. Drivers approaching age 25 may benefit from shopping for new quotes after their birthday or at their next renewal. Insurers don’t all update age-based pricing on the same schedule, so the savings can appear at different times depending on the carrier.

Average cost of insurance in Colorado Springs by age group, state minimum

Average cost of insurance in Colorado Springs by age group, full coverage

By driving record

Having at-fault accidents adds 9% on average for Colorado Springs Jerry users — but that figure masks a compounding effect most drivers don’t know about. Drivers with violations are often sorted toward different carriers than drivers with clean records, which is why comparison shopping after a ticket or accident matters even more than at renewal. Carriers also reset surcharge timelines on different schedules.

Insurance violations don’t affect rates forever. The Insurance Information Institute notes that insurers commonly look back about three years for moving violations, though the exact timeframe varies by carrier and state. Drivers who need an SR-22 often have fewer insurers to choose from, making comparison shopping especially important.

Average cost of state minimum coverage in Colorado Springs, by driving record

Average cost of full coverage in Colorado Springs, by driving record

By credit score

Credit is one of several factors insurers can use to set rates in Colorado. The largest pricing differences typically appear between drivers with excellent credit and those with poor credit, while drivers in the middle tiers may see very different quotes depending on the insurer. That’s one reason comparison shopping can be especially valuable if your credit isn’t at either end of the spectrum.

Average cost of state minimum coverage in Colorado Springs, by credit score

Average cost of full coverage in Colorado Springs, by credit score

How Jerry finds car insurance savings for Colorado Springs drivers

If you’ve noticed your car insurance premium going up, you’re not the only one. Jerry helps Colorado Springs drivers find more affordable coverage by comparing up to 13 insurers in just minutes. Here’s a look at real quotes Jerry customers in Colorado Springs found when they shopped around.

Recent quotes

Learn more: Best car insurance in Colorado

Calculate your car insurance costs

If you’re looking to find the cheapest car insurance in Colorado, below are four top tips that Jerry’s agents have found.

Jerry Agent Tip 1: Compare quotes to find the lowest price

Drivers in Colorado Springs can often find real savings by comparing quotes from different insurers. Insurers price driver profiles differently and that’s why quotes vary for the same coverage. Here are some recent examples:

Recent customer quotes

Jerry Agent Tip 2: Stack discounts to cut your premium

Drivers in Colorado Springs can save by taking advantage of discounts for safe driving, bundling home and auto coverage or getting a quote early. These savings can add up quickly and make your policy more affordable without cutting back on coverage. 

The Jerry app automatically finds and applies the discounts you qualify for, so you don’t leave savings behind.

Jerry Agent Tip 3: Review coverage to maximize savings and protection

Comparing coverage levels helps you stay protected without paying for more than you need. You can stick with the legal state minimum to keep premiums low, or choose higher tiers for extras like rental coverage, towing and better financial protection after an accident. 

Here are the coverage options Colorado Springs drivers can choose from to find the balance that works best:

• Coverage Definitions

  Bodily injury liability (BI)

  • Who it pays: The other person, for injuries when you’re at fault in a crash.

  • What it covers: Medical bills, lost wages and legal costs for people injured in an accident you cause.

  • How it pays: Up to your policy limits, shown as two numbers. For example, 50/100 means $50K per person and $100K per accident.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least 100/300.

  Property damage liability (PD)

  • Who it pays: The other person, for property you damage in a crash.

  • What it covers: Costs to repair or replace another person’s car, fence, mailbox or other property you hit.

  • How it pays: Up to your policy’s limit. For example, $50K.*

  • Do you need it? Required by law in every state except New Hampshire. Your state sets a minimum, but Jerry recommends considering limits of at least $100K.

  *Bodily injury liability and property damage liability are typically shown as three numbers on your policy, like 100/300/100. The first two numbers represent your bodily injury limits per person and per accident, while the third number represents your property damage limit.

  Collision

  • Who it pays: You, for damage to your own car.

  • What it covers: Costs to repair or replace your own car after a crash with another car or object, like a guardrail or pole.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Comprehensive

  • Who it pays: You, for damage to your own car.

  • What it covers: Damage from non-crash events like theft, vandalism, hail, flooding, falling trees, fire or hitting an animal.

  • How it pays: You pay a deductible first, then insurance covers the rest, typically up to your car’s current market value.

  • Do you need it? Required if you’re financing or leasing your car. Optional otherwise, but recommended if your car is worth more than $5,000. May not be worthwhile for older, lower-value cars.

  Uninsured/underinsured motorist (UM/UIM)

  • Who it pays: You and your passengers, for injuries and property damage.

  • What it covers: Your own injuries and property damage when the at-fault driver has no insurance or not enough to cover your costs, including hit-and-runs in many states.

  • How it pays: Up to your chosen limits, which often match your BI limits. There’s usually no deductible for UM, but UIM may have one.

  • Do you need it? Required in some states, but Jerry recommends every driver get it, since about 1 in 8 drivers does not have car insurance.

  Personal injury protection (PIP)

  • Who it pays: You and your passengers, for medical bills and lost income, no matter who caused the accident.

  • What it covers: Medical bills, lost wages, childcare, funeral costs and other expenses after an accident, regardless of fault.

  • How it pays: Up to your policy limit. There’s usually no deductible, though this varies by state.

  • Do you need it? Required in no-fault states. If available in your state, it’s worth considering.

  Medical payments (MedPay)

  • Who it pays: You and your passengers, for medical bills.

  • What it covers: Medical expenses after an accident, regardless of fault.

  • How it pays: No deductible. Pays up to your policy’s limit.

  • Do you need it? Optional in most states, but can be valuable if you don’t have health insurance or have a high-deductible health plan.

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Jerry Agent Tip 4: Pick the right deductible

Raising your deductible typically lowers your car insurance premium. Just be sure you can comfortably cover that cost if you need to file a claim.

Here’s a look at the deductibles Jerry drivers chose in the past year:

To find the ideal deductible:

• Check your car’s value (Jerry tracks this for you monthly).

• Choose what you can afford out-of-pocket.

• See how deductibles change your rate in real time.

Colorado car insurance minimums: What’s required in Colorado Springs

Colorado requires liability coverage on every registered vehicle. Here are the minimum requirements in Colorado:

• $25,000 in bodily injury liability per person.

• $50,000 in bodily injury liability per accident.

• $15,000 in property damage liability per accident.

Driving without the required coverage in Colorado can result in fines, license suspension and vehicle impoundment. Most carriers in Colorado are required to offer uninsured and underinsured motorist coverage, though drivers can decline it in writing.

Many drivers choose higher liability limits because the state minimums may not provide enough protection after a serious accident. Uninsured and underinsured motorist coverage can also be worth considering, since it helps protect you if the at-fault driver has little or no insurance. Jerry can help you find affordable car insurance starting at just $189/mo.

Methodology

To find the cheapest car insurance in each state, we use proprietary, real-world quotes from drivers — not third-party estimates. Each shopping journey includes multiple rounds of quotes, with information verified along the way.

At every stage, we aggregate and anonymize data to protect privacy and ensure accuracy. Because Jerry has delivered millions of quotes, often with multiple offers per driver, our datasets are large enough to avoid bias toward any one region, carrier or driver type.

Unlike other sites that rely on modeled rates, Jerry is a licensed insurance broker in 50 states, giving us firsthand visibility into how quotes are generated and validated.

Unless otherwise stated, rates reflect the last six months of verified full-coverage quotes for clean-record drivers. Data involving accidents or credit uses the last 18 months to ensure reliability.

Read more about Jerry’s data gathering and verification processes