✓ Updated February 2026 – Based on 1,982 El Paso County Quotes (Apr 2024–Dec 2025)
El Paso County Auto Insurance Guide
Real rates, coverage trends & carrier insights from 1,982 first-party quotes collected in El Paso County. No national averages — only our actual Colorado data.
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El Paso County at a Glance (Our Data)
Average Monthly Premium
$168
Across 1,982 quotes (median $127 due to high outliers)
Liability Only Avg
$125
Auto-Liability is 43.3% of all quotes (859 total)
Full Coverage Avg
$284
Auto-Full is 32.3% of quotes (640 total)
Non-Owner Policies
4.2%
84 quotes; average ~$74/mo
Coverage Type Breakdown – El Paso County (Apr 2024–Dec 2025)
From our 1,982 quotes: liability leads, full coverage is close behind, with meaningful non-owner and renters activity.
| Coverage Type | Quote Count | % of Quotes | Avg Monthly |
|---|---|---|---|
| Auto-Liability | 859 | 43.3% | $125 |
| Auto-Full | 640 | 32.3% | $284 |
| Auto-Broad Form | 178 | 9.0% | $113 |
| Renters | 93 | 4.7% | $20 |
| Non-Owners | 84 | 4.2% | $74 |
| Motorcycle | 51 | 2.6% | $66 |
| Other | 77 | 3.9% | $187 |
Premium Distribution in El Paso County
This histogram uses auto-related quotes (auto liability/full/broad form, non-owner, motorcycle). Most premiums cluster under $200/mo, with a long tail of high-risk cases.
Key stats: Median ~$127/mo; average ~$168/mo; 75% of quotes under ~$231/mo; observed range ~$6.25 to ~$1,129.71.
Average Rates by Carrier – El Paso County (Auto-Related Quotes)
Carrier averages below reflect our auto-related sample (auto + non-owner + motorcycle). Mix of drivers and vehicles matters, so use this as market context.
| Company | Quote Count | Avg Monthly Premium |
|---|---|---|
| Progressive | 784 | $186 |
| Mendota | 478 | $156 |
| Bristol West | 322 | $173 |
| National General | 104 | $174 |
| Dairyland | 60 | $193 |
| The General | 36 | $165 |
| Falcon | 28 | $155 |
ZIP Code Variation in El Paso County
Top ZIPs below are ranked by quote volume in our auto-related sample. Prices can differ by driver profile, vehicle, and coverage.
| ZIP Code | Area | Quote Count | Avg Monthly Premium |
|---|---|---|---|
| 80916 | Colorado Springs | 156 | $184 |
| 80909 | Colorado Springs | 151 | $170 |
| 80906 | Colorado Springs | 130 | $168 |
| 80910 | Colorado Springs | 129 | $177 |
| 80907 | Colorado Springs | 115 | $136 |
| 80918 | Colorado Springs | 106 | $166 |
| 80903 | Colorado Springs | 91 | $149 |
| 80911 | Colorado Springs | 89 | $206 |
| 80917 | Colorado Springs | 84 | $161 |
| 80905 | Colorado Springs | 78 | $149 |
Note: In this dataset, several higher-average ZIPs (with 10+ quotes) include 80913 (~$242), 80921 (~$234), 80924 (~$221), 80925 (~$217), and 80817 (~$210).
Our Data Methodology
All insights on this page come from 1,982 first-party quotes collected by our licensed brokerage in El Paso County from April 2024 through December 2025. This includes:
- Quotes from real shoppers (no simulated or public filing data)
- Multiple product lines (auto, renters, non-owner, motorcycle, etc.) clearly labeled
- Premiums cleaned into numeric values for averages and distribution charts
- Privacy: all data is aggregated and anonymized
Why this matters: These numbers reflect what shoppers in El Paso County were actually quoted through our brokerage systems.
Bundling Opportunities in El Paso County
From our data: Renters quotes represent 93 of 1,982 total quotes (~4.7%), averaging about $20/mo. Bundling can reduce total cost for some drivers.
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 |
Data note: Auto-Liability is 43.3% of quotes in this dataset, and Auto-Full is 32.3%.
El Paso County Auto Insurance FAQs
What is the average cost in El Paso County?
From 1,982 quotes (Apr 2024–Dec 2025): average is about $168/month and median is about $127/month. Auto-liability averages about $125 and full coverage averages about $284.
Which company is cheapest in El Paso County?
In our auto-related sample, lower averages show up with Mendota (~$156/mo on 478 quotes) and Falcon (~$155/mo on 28 quotes). Bristol West averages about $173/mo on 322 quotes. Your rate depends on driver, vehicle, and coverage.
Do I need more than minimum coverage in El Paso County?
Colorado minimum is 25/50/15 liability. In our dataset, Auto-Full is 32.3% of quotes, which suggests many drivers choose comp/collision for better protection.
How much more is full coverage vs liability in El Paso?
Full coverage averages about $284/mo vs about $125/mo for liability-only in this dataset — roughly 127% higher on average.
Which ZIP codes have the most quotes?
Top ZIPs by volume in our auto-related sample include 80916 (156 quotes), 80909 (151), 80906 (130), 80910 (129), and 80907 (115).
Does a DUI affect rates in El Paso County?
Yes. DUI typically increases premiums and may require SR-22. Exact pricing varies by violations, accidents, vehicle, and carrier eligibility.
How often should I shop for insurance in El Paso County?
About every 6–12 months, or after changes (tickets, move, new vehicle). In our auto-related sample, observed monthly premiums ranged from about $6.25 to about $1,129.71.
Is non-owner insurance common in El Paso County?
Non-owner quotes represent about 4.2% of this dataset (84 quotes), averaging about $74/mo.
How much do premiums vary in El Paso County?
In our auto-related sample, observed monthly premiums ranged from about $6.25 to about $1,129.71. The median is about $127/mo and is often more representative than the average when outliers exist.
Are renters policies common alongside auto in El Paso?
Renters quotes are about 4.7% of the total (93 quotes) and average about $20/mo in this dataset. Bundling can reduce total cost for some households.
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