✓ Updated February 2026 – Based on Our 1,039 El Paso County Quotes (2025–2026)
El Paso County Auto Insurance Guide
Real rates, coverage trends & carrier insights from 1,039 first-party quotes collected in El Paso County during 2025–2026. No national averages — only our actual Colorado data.
Get Your El Paso Quote Call (888) 445-2793El Paso County at a Glance (Our 2025–2026 Data)
Average Monthly Premium
$169
Across 1,039 auto-related quotes collected in El Paso County 2025–2026 (median $126 due to high outliers)
Liability Only Avg
$128
Most common coverage type (42.6% of quotes)
Full Coverage Avg
$281
32.2% of quotes; 119% higher than liability
Non-Owner Policies
4.4%
Avg $78/mo — common for drivers without vehicles
Coverage Type Breakdown – El Paso County 2025–2026
From our 1,039 auto quotes: liability dominates, non-owner and renters notable.
| Coverage Type | Quote Count | % of Quotes | Avg Monthly |
|---|---|---|---|
| Auto-Liability | 442 | 42.6% | $128 |
| Auto-Full | 334 | 32.2% | $281 |
| Auto-Broad Form | 100 | 9.6% | $102 |
| Renters | 54 | 5.2% | $23 |
| Non-Owners | 46 | 4.4% | $78 |
| Motorcycle | 24 | 2.3% | $61 |
| Other | 39 | 3.7% | $200+ |
Premium Distribution in El Paso County
Our 2025–2026 data shows most premiums fall between $50–$150/mo, with long tail of high-risk quotes.
Key stats: Median $126/mo (more typical than mean $169); 75% of quotes under $222/mo; max spread 35,900%+.
Average Rates by Carrier – El Paso County 2025–2026
From our quote volume (Progressive dominates with 501 quotes).
| Company | Quote Count | Avg Monthly Premium |
|---|---|---|
| Progressive | 501 | $176 |
| Bristol West | 204 | $190 |
| Mendota | 166 | $147 |
| National General | 63 | $160 |
| Dairyland | 38 | $199 |
| The General | 26 | $157 |
| ASI | 24 | $24 (renters) |
| Falcon | 10 | $183 |
ZIP Code Variation in El Paso County
Our 2025–2026 data shows concentration in central Colorado Springs ZIPs with moderate price differences.
| ZIP Code | Area | Quote Count | Avg Monthly Premium |
|---|---|---|---|
| 80916 | Colorado Springs | 94 | $175 |
| 80909 | Colorado Springs | 84 | $167 |
| 80906 | Colorado Springs | 81 | $151 |
| 80910 | Colorado Springs | 70 | $151 |
| 80907 | Colorado Springs | 57 | $148 |
| 80917 | Colorado Springs | 55 | $149 |
| 80918 | Colorado Springs | 54 | $168 |
| 80903 | Colorado Springs | 54 | $135 |
| 80911 | Colorado Springs | 52 | $207 |
| 80817 | Fountain | 45 | $255 |
Observation: Central ZIPs (80916, 80909) dominate volume and show moderate averages; Fountain (80817) is 89% higher than lowest ZIP.
Our Data Methodology
All insights on this page come exclusively from 1,039 first-party insurance quotes collected by our licensed brokerage in El Paso County during 2025–2026. This includes:
- Quotes from actual shoppers (no simulated or public data)
- Coverage types: Auto-Liability (42.6%), Auto-Full (32.2%), etc.
- Averages calculated after cleaning (removing $, commas; handling outliers via medians where noted)
- Sale types: 66% “Start to Finish” new quotes
- Privacy: All data anonymized and aggregated
Unique Value: Unlike national averages, these reflect real El Paso County market conditions from our brokerage operations.
Bundling Opportunities in El Paso County
From our data: Renters policies appear in 5.2% of quotes (avg $23/mo, 54 total), often alongside auto — suggesting bundling could save 10–20% on combined premiums.
Colorado / El Paso County Minimum Requirements
| Coverage | Minimum | Covers |
|---|---|---|
| Bodily Injury per Person | $25,000 | Medical for one person you injure |
| Bodily Injury per Accident | $50,000 | Total medical – all injured parties |
| Property Damage | $15,000 | Damage to others’ property/vehicles |
Our data insight: Only ~42.6% of quotes stay at minimum liability; most add comprehensive/collision.
El Paso County Auto Insurance FAQs
What is the average cost in El Paso County?
From our 1,039 quotes (2025–2026): overall average ~$169/month (median $126 due to outliers). Liability-only ~$128, full coverage ~$281.
Which company is cheapest in El Paso County?
Mendota (~$147/mo, 166 quotes), Bristol West (~$190/mo, 204 quotes), The General (~$157/mo, 26 quotes) show lowest averages in our 2025–2026 data.
Do I need more than minimum coverage in El Paso County?
Colorado minimum is 25/50/15 liability, but our data shows 32.2% of El Paso quotes choose full coverage for better protection.
How much more is full coverage vs liability in El Paso?
Our 2025–2026 quotes show full coverage averages ~$281/mo vs ~$128/mo for liability-only — roughly 119% higher.
Which ZIP codes in El Paso County are most expensive?
80916 has highest volume (94 quotes) at ~$175/mo; 80928 highest avg ~$394/mo in our sample.
Does a DUI affect rates in El Paso County?
Yes — expect 60–100% increase + SR-22 for 3 years. Our trends show high-risk averages 75%+ above standard.
How often should I shop for insurance in El Paso County?
Every 6–12 months. Our data shows 35,900%+ spreads — shopping saves hundreds.
Is non-owner insurance popular in El Paso County?
Yes — 4.4% of quotes (46 total, avg $78/mo) for drivers without vehicles.
How much do premiums vary in El Paso County?
35,900%+ spread from $6.34 (min) to $2,285 (max); median $126/mo is more typical than mean $169.
Are renters policies common alongside auto in El Paso?
Yes — 5.2% of quotes are renters (54 total, avg $23/mo), often bundled with auto for savings.
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Rates based on our real 2025–2026 data – compare today.
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