Cheap Car Insurance in Colorado Springs, Colorado

Want to learn more about Colorado Springs and how you can get cheap car insurance? Well, Its nearly 700,000 residents are justly proud of Colorado Springs' many attractions. While the mountain scenery, world-class ski slopes and proximity to Pike's Peak alone draw numerous visitors annually, they are not the only enticements. Others unique to the area include:

  • The Cave of the Winds
  • The Pioneers' Museum
  • The Cripple Creek Gold Mine.
  • The Ghost town Museum
  • Rock Ledge Ranch Historic Site When enjoying the area's numerous charms, residents and visitors alike should pay particular attention to the specifics of driving in the region.

Cheap Car Insurance will compare auto insurance for you in Colorado Springs, CO. We will make sure to get you the best car insurance rates in town.

Driving Hazards in Colorado Springs

In addition to falling rocks, changeable weather and unpredictable wildlife, anyone driving in Colorado Springs is bound to encounter some steep terrain. When navigating mountain roads, the Colorado Driver's Handbook recommends routinely shifting to a lower gear when traveling downhill. Colorado law also mandates that vehicles going down must always yield to those coming up.

Traffic Laws Specific to Colorado Springs

The City Council of Colorado Springs has established mandatory minimum fines for certain traffic infractions. Predetermined and non-negotiable, they include those imposed for:

  • Failure to honor a stop sign.
  • Speeding.
  • Running a red light.
  • Driving uninsured.

Car Theft in Colorado Springs

No city in the nation is immune to car theft. FBI statistics show that in the year 2012, Colorado Springs ranked 57th in the nation with 2,042 vehicles stolen. This represents an increase of 25 percent over the 1,288 car thefts reported there in 2010.

Though in 2015, authorities reported an increase 2,414 burglaries. Colorado Springs had 12,363 larcenies and 1,727 vehicle thefts, according to the FBI.

Safety Requirements in Colorado Springs

Seat Belt Law

Under Colorado law, an adult driver or front-seat passenger must buckle up. The minimum fine for violating this law is $65.

As it relates to children riding in vehicles, the law is a bit more complicated, according to the Colorado State Patrol:

  • A child must ride in a rear-facing child safety seat until he or she is at least 1 year old and weighs at least 20 pounds.
  • A child 1 to 4 weighing 20 to 40 pounds must ride in a forward-facing or rear-facing child safety seat.
  • A child at least 4 and weighing over 40 pounds must ride in a child booster seat or be restrained with a child safety belt-positioning device. All children must ride in booster seats until age 8.
  • A child who is at least 8 must be properly restrained with a seat belt or child restraint system.

The minimum fine for a child not being properly restrained in a car is $82.

Distracted Driving Law

State law bans texting while driving. A first-time offender can be fined $300. Also, any driver under 18 is prohibited from using a cellphone.

Helmet Law

Motorcycle operators and passengers 18 and over are not required to wear helmets, but use of a helmet by an operator or passenger under 18 is mandated.

In Colorado, bicyclists are exempt from wearing helmets.

    Driving Impaired in Colorado Springs

    Colorado’s impaired driving law has two types of crime: DUI (driving under the influence) and DWAI (driving while ability impaired). Under DUI, the legal limit for blood alcohol concentration (BAC) for a driver 21 and over is 0.08 percent; for a driver under 21, it’s 0.02 percent. The limit for DWAI is 0.05 percent.

    For a first-time DUI offender, the penalties are a nine-month loss of your driver’s license, a fine of up to $1,000, a jail term of up to one year and up to 96 hours of community service. A first-time DWAI offender faces penalties that are less harsh: 8 points toward suspension of your driver’s license, a fine of up to $500, a jail term of up to 180 days and up to 48 hours of community service.

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    • Aaaa+ Best Rate Insurance


      Brandon Kolk
      Best rates in town, no one beats us!

      6745 Rangewood Dr | Ste 101
      Colorado Springs, CO 80918
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      Constantly calling me to solicit business. I have never lived within a thousand miles of Colorado. No matter how many times I request to not receive solicitation I am told they will still call until I give personal information! I am fed up!

    • A Plus Insurance


      At a plus insurance, our insurance agents offer the best possible rates for auto, motorcycle, atv, rv homeowners and business insurance. Contact us for a free-no obligation quote for rates in minutes. Serving colorado springs and the enire state of co

      121 S Tejon St
      Colorado Springs, CO 80903
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      Very happy I switched to A Plus Insurance. Crystal helped me out tremendously!! Thanks to the whole crew for getting me the best deal around. Highly recommended

    • Nick Fransioli State Farm Insurance


      Nick Fransioli
      Nick fransioli state farm insurance agent is located on palmer park and powers across from walmart. Nick and his team offer insurance for all of colorado springs and the surrounding areas, they speak spanish and have the upmost customer service. They offer all types of insurance in colorado springs car insurance, home inurance, business insurance, life insurance and much more. Call today and get a free quote and see how much money you can save on all of your insurances if you bundle.

      What makes your specific agency stand out from your competition?
      Nick fransioli state farm insurance stands out because they speak spanish and take your time and go through all of their options of insurance. They just dont try to sell you insurance they want you to understand what you are getting. With a high qualified insurance professionals all licensed to answer any question you might have about insurance in colorado springs.

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      • License

      • CO-395549

      5750 Palmer Park Blvd
      Colorado Springs, CO 80915-1511
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    • State Farm: Dan Lewis


      Dan Lewis
      We have been serving the auto insurance needs of colorado springs, co since 2012. Call or stop by our office today for a fast & accurate auto insurance quote.

      What makes your specific agency stand out from your competition?
      Our mission is to ethically provide auto insurance throughout colorado springs, co on a personal level to every existing individual customer, prospective customer, and business from a needs based perspective. We'll get to know you well enough to tell you what you don't need along with what you do need.

      • License

      • CO-273211

      1867 S Academy Blvd
      Colorado Springs, CO 80916
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    • Apex Sports


      327 S Weber St
      Colorado Springs, CO 80903
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      Signed up my son for the beginner class, ages 6-12. The owners daughter who is barely 4 participated in my sons first class. When I explained that her lack of skill and maturity was slowing down the class for the paying kids the owner responded by lowering the age of the class. His daughter is a liability to the other children and she is dangerous. We will not return.

      I actually left a competitor's store because of poor customer service and went to Apex looking for riding gear. The employees were extremely friendly, helpful and not pushy. They steered me toward exactly what I needed and didn't try to sell me only expensive products. I recommend them to everyone!! Fabulous customer service!!

    • Company-west Insurance Of Sc


      500 N Circle Dr Ste 201
      Colorado Springs, CO 80909
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      Good People and Great Service! Have been a customer since 1997, I would recommend these guys to any of my construction buddies.

      Not impressed. Found this company to be unprofessional, slow to respond to my requests, and unable to meet our insurance needs.

    • Connie Slater Insurance Agency


      207 W Rockrimmon Blvd Ste E
      Colorado Springs, CO 80919
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      Car claim was handled very well by everyone, prompt andnprofessional service from the claim office, Connie's office, and Knob Hill.nMy only complaint was too many phone calls from the claims office, the shop,nand your office during and after the claim to check in on progress andncheck in on me. I felt could have had fewer progress check-up calls.

    • Cowest Insurance


      500 N Circle Dr Ste 201
      Colorado Springs, CO 80909
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      Good People and Great Service! Have been a customer since 1997, I would recommend these guys to any of my construction buddies.

      Not impressed. Found this company to be unprofessional, slow to respond to my requests, and unable to meet our insurance needs.

    • Dave Powell Insurance Agency


      2625 N Union Blvd
      Colorado Springs, CO 80909
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      wow. just got a quote and your 4 times higher than other ins. companies! And i have a perfect driving. not even a fender bender, speeding ticket,etc. driving since i was 16, now 61yrs old

      I just wanted you to know what a great office Dave has. Very professional staff.

    • John C Hall Iii Insurance Agency


      1608 N Academy Blvd Ste B
      Colorado Springs, CO 80909
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      This guy is a scumbag. He always pushes products on his customers that they do not need. There was little old lady who lived in a nursing home and was living on medicare. She had no assets to speak of but John tried to sell her an 1,000,000 umbrella policy. She pushes whatever the product of the month is or whatever he needs to sell in order to take the girlfriend he is seeing behind his wife's back on whatever trip the company is giving away. Stay away from this man! He is a hypocrit!

      This guy is the biggest slime ball you will ever meet in the industry. He is the type of guy who puts insurance salesman and used car salesman in the same sentence. He will sell you policies and coverages you do not need in order to pad his own pocket. He is about as bad a man, person, and salesman as you can get.

    • Rocky Mtn Cycle Plaza


      412 N Chelton Rd
      Colorado Springs, CO 80909
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      Went in to look at their sports bikes and hopefully purchase one. They have the Layla edition CBR600RR which was well over priced especially with it having over 10000 miles on it. I do research and know how much a bike is before I buy and the employee treated me like I was an idiot that didn't know what I was talking about. When I told him it was overpriced he laughed and said "it would be gone by the weekend" (this was last April). They still have the same bike but miraculously it has less then 10000 miles. Went in again about two weeks ago and asked why they still had it and the guy was super rude and said "you won't recognize this place by this weekend." These guys are a joke and frauds. No one should ever buy anything from these scam artists!!!!

      I took my ATV in for a tuneup, oil change etc, they didn't change the air filter, lube, or fluids but said they did. They screwed up the dash computor and said it wasn't there falt. Took it back twice for repairs and still didn't fix. Didn't return my calls. This is still a problem and they won't do anything. I got a tap dance from the service mgr. and owner Steve. Purchased a polaris wench twice, both broke with minimal use. The last wench was used 6 times over 14 months and completely stopped working. I paid $439.00 for this wench. The owner said they are not responsable for the wench, only polaris and they denied replacement. The employee working in appeal had a attitude when I questioned the answer/response. FYI, Polaris is suppost to be "American made" clearly, the parts are made in China such as the wench. Beware! if you purchase anything from this place you will be on your own. GO SOMEWHERE ELSE, they don't care. People should not be treated with such lack of respect! I stand behind what I have said and won't use this company again even if I have to drive an hour to Denver. The review status should say "very very poor"

    • Scott A Richter Insurance Agency


      6130 Barnes Rd Ste 104
      Colorado Springs, CO 80922
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      After being a customer of State Farm for over 20 years, I will never consider them again. After paying tens of thousands of dollars in premiums over the years, Scott Richter

    • The Insurance House


      5180 North Union Ste 5
      Colorado Springs, CO 80918
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      If you're looking for cheap insurance prices this is the place to call BUT if you're looking for great customer service I suggest looking someplace else. My rep. was an older lady (don't remember her name but her desk is located by the door as you walk in) not only is she disorganized but she NEVER calls you back when she says she will. It's very rare that you could get a hold of anyone in that office. Good luck with dealing with these people. I'd rather pay extra just to know that I can get a hold of my insurance rep.

    • Tom Harbert Insurance Agency


      8027 N Academy Blvd
      Colorado Springs, CO 80920
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      Horrible customer service!!! They do great when you're getting insurance, but if you need to cancel, they refuse to respond to your requests. I sent four emails to Linda Tomlinson, none of which received a reply, trying to get my insurance cancelled. I finally had to call them (I was recording them) and threaten to sue them, to get the situation resolved. I would definitely not recommend using Tom Harbert. I have been with State Farm insurance for 40 years, and Tom Harbert's company is not indicative of State Farm's reputation.

      I have been with Tom for over 12 years and I have never had a single complaint. My previous insurance agent was a family friend with Farmers Insurance, but a good friend recommended that I talk to Tom instead - I have never doubted my decision to switch companies and do business with Tom Harbert. Both him and his staff are absolutely amazing - friendly, efficient, accessible, and always able to help with any issue that comes up. To this day, I continue to refer all of my friends and family to Tom with the utmost confidence.

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    Did you know ?

    Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

    Safety Tip

    It is easier to get cheap car insurance with a car that has high safety rating than one without one.

    Savings Tip

    When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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