Car Insurance Quotes Colorado Springs - The average cost of car insurance in Colorado Springs is $957 for the minimum policy, but some insurers charge less than half of that.
State Farm generally offers the lowest premiums at $457 per year for minimum coverage and $1,100 for full coverage.
Car Insurance Quotes Colorado Springs
Depending on your accident history, credit score, age and where you live, your quote can vary by thousands of dollars. With that in mind, we recommend researching multiple insurance companies to find the best coverage and price for your background.
The Best, Cheapest Car Insurance In Colorado Springs, Co
State Farm is the cheapest widely accessible insurance company with an average rate of $429 per year.
Although more than double the price, Progressive is the next cheapest option with an annual rate of $877, which is still cheaper than the average minimum insurance policy in Colorado Springs.
Current or former military looking for cheaper insurance rates than Progressive should look to USAA, which not only has lower annual premiums, but is also a great choice for new drivers and new vehicle owners.
The cheapest car insurance quotes are available from policies that meet the minimum requirements set by the state.
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State farm has an affordable full insurance policy. On average, State Farm's comprehensive policy costs $1,100 per year, which is $671 more than its minimum coverage rate.
Although more expensive, Nationwide is the second cheapest option for most drivers. However, former and current military personnel should look at USAA as a viable option; It is the second cheapest after the state farm.
What is full coverage? Comprehensive coverage includes all auto insurance policies that meet the state's minimum coverage requirements, including collision and comprehensive coverage.
State Farm has by far the cheapest average annual premium for a teen policy at $3,859 per year.
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The next cheapest major insurer is American Family, which charges an average of $11,000 per year. Current and former military members can get car insurance from USAA in the same price range as State Farm.
Young drivers pay large sums for car insurance even when comparing rates. However, there are ways to reduce costs.
If your parents are open to the idea of you sticking with their policy, contact their insurer to see how much extra a combination or multi-car policy might cost.
A combined policy costs more than insuring a single vehicle, but combining policies can be cheaper than buying two separate policies.
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You may be eligible for discounts if you are a good student, have good credit or take a defensive driving course. Each insurance company has different types of discounts, so always ask what you can get when you talk to your insurance agent.
State Farm and American Family have the lowest annual premiums for drivers with a history of accidents. State Farm raises its bid by an average of $184, while American Household raises its bid by an average of just $32. However, it is important to note that many insurers will increase their rates even higher.
Even an accident can have a big impact on your car insurance rating. For example, Geico-insured drivers can see an average increase of $1,865 after an accident. Farmers underinsured motorists with the highest average cost of comprehensive coverage could see a price increase of more than $2,500.
Take these price increases into account when you start contacting insurance agents for a quote. Your rates will vary, so the best way to find out which insurer will charge you the least is to shop around.
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For some drivers, price is the biggest factor in choosing an auto insurance company. For others, the benefits of strong customer service may outweigh the monthly premium savings. Regardless of the cost, when filing an accident claim with your insurance company, you should take your situation seriously and make the claims process as easy as possible.
Using data from the National Association of Insurance Commissioners, we found that the companies with the best customer service in Colorado Springs, as measured by the number of customer complaints statewide, were State Farm and Travelers. In particular, Nationwide and State Farm, two of the cheapest auto insurance options, have low complaint index statistics that indicate strong customer service.
The complaint code was taken from the National Association of Insurance Commissioners. All insurers in our sample group, along with two other insurers with significant market share, were included in our ratio analysis. If the insurance group operates several companies in the country, the complaint code is taken from the company with the largest market share.
A low complaint index indicates that consumers are less likely to file a formal complaint and are more likely to be satisfied with their service. The national average complaint index is 1.0.
Colorado Car Insurance
Where you live is another factor that can affect your car insurance rate, as some areas have higher population density or higher crime rates than others. For the same driver, the annual premium difference in some Colorado Springs zip codes can be more than $100.
For example, residents of Gleneagle looking for minimal coverage may pay an average annual premium of $887, while residents of Fort Carson, one of the city's most expensive areas, may pay an average of $1,012.
Car insurance requirements are regulated at the state level. The following types of coverage are required of every driver in the state of Colorado:
Additional coverage is optional. You should always assess your individual circumstances when deciding whether it makes sense to add additional coverage to the minimum coverage.
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Any accident that is not covered by the insured's bodily injury and property damage conditions will result in out-of-pocket expenses that can be costly.
Unless otherwise noted, our sample driver was a 30-year-old male with below-average credit who obtained a minimum coverage policy that met the state of Colorado's requirements for his 2015 Honda Civic EX.
We collected quotes from eight insurance companies in Colorado Springs. There were the following limitations when discussing full coverage policies.
's analysis used insurance rate data from Quadrant Information Services. These rates are publicly obtained from insurer records and should be used for comparison purposes only - your quotes may vary.
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For an insurance quote, call: (855) 596-3655 | Agents are available 24 hours a day, 7 days a week! To help Colorado drivers find the best cheap auto insurance, our editors have compiled quotes from the best auto insurance companies for every zip code in the state. Minimum coverage quotes meet Colorado state requirements of $25,000 per person for bodily injury and $50,000 per accident and $15,000 for property damage. Full coverage quotes include liability limits above the state minimum, collision and comprehensive coverage.
Additionally, we've ranked the best car insurance companies in Colorado based on affordability, availability of coverage, convenience, and customer service reviews from various drivers.
State Farm has the best cheap car insurance in Colorado. The minimum liability policy costs $34 per month, which is 43% cheaper than the Colorado state average.
Eligible drivers must obtain a quote from USAA. Minimum coverage costs an average of $28 per month, the cheapest in Colorado. However, the policy is only available to active or former military members and their families.
Compare Best Cheap Car Insurance Quotes In Colorado Springs, Colorado 2022
The cheapest auto insurance policies are liability only policies that meet the minimum coverage requirements. With State Farm, drivers can find Colorado car owners and Zigo state's lowest minimum car insurance quotes.
A Colorado minimum coverage policy only pays for damages or injuries sustained in a car accident. A comprehensive coverage policy includes comprehensive and collision.
Comprehensive insurance protects you against car damage caused by events not directly related to driving, such as theft or weather damage. Collision coverage covers damage to your car if you crash or fall into a pothole, regardless of fault.
State Farm is Colorado's cheapest insurance company with full coverage at an average of $99 per month.
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The average comprehensive coverage policy in Colorado costs $168 per month, making it one of the cheapest states for comprehensive auto insurance. Geico, Auto-Owners and Progressive also offer lower-than-average quotes.
State Farm has the best cheap car insurance in Colorado for drivers with a speeding ticket, accident or DUI.
A less-than-perfect driving history will almost always result in an increase in your auto insurance rate. More importantly, research car insurance to find the best price for you.
Sovhoos offers cheap quotes for drivers with recent speeding tickets. State Farm's comprehensive coverage costs about $107 per month, which is 47% cheaper than the average.
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Vehicle owners are a close second, although you can save almost $41 per month compared to the average.
State Farm offers affordable comprehensive coverage for drivers who cause accidents for $114 per month. That's just a 15% increase.
If you have recently been convicted of driving under the influence (DUI),
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