Colorado Springs Car Insurance - Colorado

Why is car insurance so expensive in Colorado Springs?

Colorado Springs, like Denver and other large cities, is famous for its traffic. And with congestion comes an additional risk of an accident. Whether you're driving down Tejon or Platte street in Colorado Springs, driving on I-25 through the North East side, or up Monument Valley parkway (I've personally seen a deer run across there), you should expect to pay more for car insurance than if you lived somewhere less populated. If you live in rural areas surrounding Colorado Springs, though, insurance companies may provide cheaper rates. But make sure to check out our comparison tool before moving!

What car insurance coverage should I have in Colorado?

In Colorado, you are required to have Bodily Injury Liability and Property Damage Liability coverage. This is for protecting others from injury or death that may result from a car accident that occurred because you were driving your car. You must also carry Personal Injury Protection (PIP) and Uninsured/Underinsured Motorist Coverage in case you are involved in a serious wreck where the at-fault driver cannot be identified or does not have enough insurance coverage to pay damages. Finally, it's recommended to have Medical Payments Coverage which can cover up to 80% of medical bills incurred after an accident which someone else caused.

How much car insurance do I need in Colorado?

Colorado is a ''fault'' state, which means your insurance company will cover you and pay up to policy limits (the maximum amount of coverage) for medical bills and damage to someone else's vehicle.

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