Cheapest Car Insurance In Colorado

Cheapest Car Insurance In Colorado – Home » Compare Car Insurance Rates by State » Compare Colorado Car Insurance Rates » Compare Colorado Springs, CO Car Insurance Rates [2023]

Colorado Springs, CO Compare Car Insurance Rates [2023] Car insurance rates in Colorado Springs, CO are $119.83 per month. Colorado requires 25/50/15 for minimum liability coverage. Compare offers online to save more.

Cheapest Car Insurance In Colorado

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Average Car Insurance Rates By Age

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The Best, Cheapest Car Insurance In Colorado Springs, Co

The city is located at the foot of Pikes Peak, one of America’s most famous mountains, and covers an area of ​​approximately 186 square miles surrounded by prairies, mountains, woodlands, and mineral springs.

The city’s economy relies heavily on the military; Army and Air Force installations employ more than 20 percent of the people living in El Paso County. Colorado Springs is also home to the United States Olympic Committee headquarters and training center.

Colorado Springs residents drive for both business and pleasure, and each must meet minimum requirements for car insurance.

All vehicles garaged in Colorado Springs must have adequate auto insurance coverage as defined by both the city and the state.

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Car insurance minimums for Colorado Springs are currently set at 25/50/15; this is industry notation for $25,000 in bodily injury liability insurance per person, $50,000 in bodily injury liability insurance per accident, and $15,000 in property. Damage liability coverage per accident.

Although the 25/50/15 policy covers legal liabilities, it may not provide adequate financial protection in the event of an accident. It is recommended to invest in higher liability limits.

Colorado Springs drivers do not have to pay for uninsured or underinsured motorist insurance or medical coverage, but professionals recommend purchasing these insurance options.

Remember that liability car insurance only pays for damages to other drivers. If you want to be covered for your own damage after an accident or other incident involving your vehicle, add collision coverage and comprehensive coverage to your policy.

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Additional coverage will increase your auto insurance premium, but it’s important to make sure you’re adequately protected.

Zip codes will play an important role in your car insurance rates, since factors like crime and traffic are calculated by zip code. Check out monthly Colorado Springs, Colorado auto insurance rates by ZIP Code below:

Which Colorado Springs, CO car insurance company has the best rates? And how do these rates compare to average Colorado car insurance company rates? We’ve got the answers below.

Your credit score will play a significant role in your Colorado Springs car insurance rates unless you live in the following states where credit-based discrimination is not allowed: California, Hawaii, and Massachusetts. If your credit score is high, you can benefit from a good credit discount.

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You may find yourself asking how Colorado Springs, Colorado compares to the auto insurance rates of other major metropolitan areas in the United States. We’ve got your answer below.

Your level of coverage will play an important role in your Colorado Springs car insurance rates. Find the cheapest Colorado Springs, CO car insurance rates by coverage level below:

These states, including Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania, no longer use gender to calculate your car insurance rates. But age is still an important factor because young drivers are often considered high risk. High risk usually means higher insurance rates, but you can find more affordable coverage with these tips for finding car insurance for teen drivers.

CO uses gender, so check out average monthly car insurance rates by age and gender in Colorado Springs, CO.

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Car insurance rates by company and age in Colorado Springs, CO are an important comparison because the best car insurance company for one age group may not be the best company for another age group.

Your driving record will play an important role in your Colorado Springs car insurance rates. For example, other factors aside, a Colorado Springs, CO DUI can increase your car insurance rates by 40 to 50 percent, but you can get car insurance when you have a DUI.

So what are the factors affecting insurance prices? Factors that affect car insurance prices in Colorado Springs, CO may include your commute time, level of coverage, tickets, DUIs, and credit. Checking these factors will help you maintain cheap Colorado Springs, Colorado car insurance.

In Colorado Springs, both policyholders and car insurance companies must follow certain laws to create and maintain a binding contract. Some examples of field law in Springs are detailed below.

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What is uninsured or underinsured motorist coverage? Drivers have the right to purchase uninsured and underinsured motorist protection at the same level as bodily injury liability limits.

Colorado insurers must offer at least $5,000 of medical payments coverage that automatically applies to the policy unless the policyholder opts out in writing.

Collision coverage pays to repair or replace vehicles that have been struck by other vehicles or objects. Collision coverage must be offered to prospective policyholders in Colorado Springs, but it is not a state auto insurance requirement and can be waived.

Insurance companies are not required to offer reimbursement or towing/labor coverage for a rental car. Some only offer guarantees such as rental car refunds. If presented with these options, buyers do not need to accept them.

Compare Car Insurance Rates From $57/mo (october 2023)

Colorado Springs and the State of Colorado allow gender to be used as a basis for determining auto insurance rates. Because men statistically have more accidents than women, male drivers generally pay higher premiums than female drivers.

Colorado Springs drivers age 55 and older are eligible for a three-year fare reduction under state law. Check out car insurance discounts for seniors.

Drivers must pass a driving school approved by the Department of Motor Vehicles and Public Safety. The discount remains valid as long as the insured person has a clean driving record.

Colorado Springs and the surrounding suburbs are home to many options. Major carriers include Allstate auto insurance, State Farm auto insurance, American Family auto insurance, Safeco, Travelers, Northwestern Mutual, Geico auto insurance, and Farmers Union Insurance.

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Due to the wide range of insurance offers, many customers prefer to narrow the competition to a manageable level. The most popular option to distinguish one insurance company from another is to get comparative auto insurance quotes for multiple companies.

The city of Colorado Springs is home to numerous regional and national insurance agencies. Some agencies sell only the products of a particular insurance company, while others act as brokers for more than one insurance company.

The agency may choose to focus solely on auto insurance or integrate auto, home, farm, ranch, commercial, life and health insurance into a single protection package.

Popular Colorado Springs auto insurance agencies include Insurance Centers of America, Lohman Insurance Agency, GD Mitchell Insurance and George Insurance Agency. If they have chosen to participate in the program, these agencies can offer free car insurance quotes to interested customers.

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Drivers in Colorado Springs typically pay $1,438 per year for car insurance, compared to average Colorado rates of $1,080 per year.

The cost of insuring a vehicle in Colorado Springs dropped nearly 30 percent between 2003 and 2007, according to the Rocky Mountain Insurance Information Association.

Drivers in Colorado Springs generally pay less than their counterparts in Denver or Pueblo, but more than people living in Fort Collins or Grand Junction.

If you have a low credit score or a clean record, be sure to ask about insurance discounts when shopping for quotes. Auto insurance companies offer many savings opportunities such as safe driving discounts, good student discounts and defensive driving discounts, as well as much more.

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Many insurance providers also offer a multi-policy discount if you bundle your auto insurance policy with homeowners insurance or renters insurance.

Colorado Springs is home to some of the busiest roads in the state, including Interstate 25, which is used for local residential and commercial traffic and north-south travel.