Colorado Springs Car Insurance

Everything You Need to Know About Car Insurance in Colorado Springs, CO

Find the right car insurance policy for you.

Located at the eastern edge of the Rocky Mountains, Colorado Springs, CO is one of the country's magnificent cities. Its elevation of 6,035 feet and proximity to Pikes Peak, Garden of the Gods and Seven Falls offer residents access to beautiful outdoor activities and a unique lifestyle. Because of this natural beauty, many people flock to the area. Weekend, rush hour and summertime traffic can get hectic as drivers navigate throughout the city and out into the mountains. That's why you need 360 degrees of protection with a comprehensive auto insurance policy.

When it comes to insurance, Independent Insurance Agents have relationships with numerous carriers and will give you various quotes to choose from. We want you to feel comfortable with your Colorado Springs auto insurance policy when it comes to coverages, price, and customization. Visit your local agent today to get started.

  • National average cost per year: $1,311
  • Colorado average cost per year: $1,245
  • 26th most expensive state for auto premiums in the U.S.

Whether you've had the same policy for years or just purchased your first car, these average rates should only serve as a guideline when you are considering an auto insurance policy. Reliable agents and the insurance carriers they use take your car's age and model and your driving history into account to create something personalized to you. And we'll certainly keep in mind your budgetary restrictions to give you peace of mind. 

Colorado Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection: not required
  • Minimum liability limits: 25/50/15

Did you know that you're required to have insurance of at least $25,000 for an individual injury, $50,000 total for all injuries and $15,000 for property damage? It's a great core amount of coverage to have, but if you have an accident and you have only these limits, you could be forced to pay for medical bills and car repairs out of pocket. An agent can explain why and how coverage with higher limits gives you an extra layer of protection.

Number of Uninsured Motorists in Colorado

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Colorado drivers: 16%

About one in six drivers does not have proper auto coverage, and when you're on the road, it's impossible to tell who is and who isn't appropriately insured. To feel secure, ensure your Colorado Springs car insurance includes uninsured motorist coverage. That way, your insurance carrier covers any damage and then attempts to collect compensation from the driver at fault.

Number of Auto Thefts in Colorado

  • National number of thefts per 1,000 vehicles: 2.94
  • Colorado number of thefts per 1,000 vehicles: 2.76

Colorado Springs reported the second highest number of auto thefts in the state, 1,491 reports at an average of 77 every week. It can happen without warning despite any precautionary measures you may take, which is why you need comprehensive insurance for your vehicle. Ask your agent about getting auto coverage that includes "other than collision" insurance for vandalism, falling objects, and fires.

Find the Best Colorado Springs Car Insurance Policy

Looking for the right Colorado Springs insurance doesn't have to be complicated. Independent insurance agents are available nearby to get you set up with an insurance plan that works for you and directly meets your needs. We will answer your questions and find you a policy that is personalized, comprehensive, and affordable.

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