Auto Insurance Colorado Springs | Main Street Insurance

Colorado Springs Auto Insurance - Compare Rates & Save

Looking for reliable auto insurance in Colorado Springs? Main Street Insurance - Patrick Murakami Agency makes it easy to compare rates from multiple top-rated carriers and find the coverage that fits your needs and budget.

Why Auto Insurance Matters in Colorado Springs

Colorado's unpredictable weather—from hail storms to winter blizzards—poses unique risks to your vehicle. Add in heavy traffic on I-25, mountain driving conditions, and one of the nation's highest rates of uninsured drivers, and comprehensive auto insurance becomes essential.

What We Offer:

✓ Multiple Carrier Comparison - We shop rates from dozens of insurance companies ✓ Colorado-Specific Coverage - Protection against hail, weather, and uninsured motorists ✓ Military Discounts - Special rates for Fort Carson families ✓ Bundle & Save - Combine auto with home insurance for maximum savings ✓ SR-22 Filing - We handle high-risk insurance needs ✓ Commercial Auto - Coverage for business vehicles and fleets

Types of Auto Coverage:

Liability Insurance (Required in Colorado)

  • Bodily Injury: Minimum $25,000 per person / $50,000 per accident

  • Property Damage: Minimum $15,000

  • We recommend higher limits for better protection

Comprehensive Coverage Essential in Colorado Springs for protection against:

  • Hail damage (a major concern in our area)

  • Theft and vandalism

  • Fire and weather damage

  • Collision with animals

Collision Coverage Protects your vehicle in accidents regardless of fault

Uninsured/Underinsured Motorist Critical coverage in Colorado where many drivers lack adequate insurance

Medical Payments Coverage Covers medical expenses for you and passengers after an accident

Additional Options:

  • Rental car reimbursement

  • Roadside assistance

  • Gap insurance for financed vehicles

  • Rideshare coverage (Uber/Lyft drivers)

Common Discounts Available:

We help you find all available discounts including:

  • Multi-policy (bundling home + auto)

  • Safe driver

  • Good student

  • Military/veteran

  • Multi-car

  • Safety features (anti-lock brakes, airbags, anti-theft)

  • Defensive driving course completion

  • Low mileage

Colorado Springs Auto Insurance Requirements

Colorado law requires all drivers to carry minimum liability insurance:

  • $25,000 bodily injury per person

  • $50,000 bodily injury per accident

  • $15,000 property damage

However, we strongly recommend higher limits. Medical costs and vehicle repairs often exceed these minimums, leaving you financially exposed.

Special Coverage for:

  • Teen drivers

  • High-performance vehicles

  • Classic cars and collectibles

  • Commercial vehicles

  • Rideshare drivers (Uber, Lyft, DoorDash)

Why Choose Main Street Insurance for Auto Coverage?

As an independent broker, we're not limited to one company's rates. We compare options from:

  • Progressive

  • Travelers

  • Safeco

  • Nationwide

  • The Hartford

  • And many more

This means you get the benefit of competitive pricing and comprehensive coverage tailored to Colorado Springs driving conditions.

Get Your Free Auto Insurance Quote

Call 719-309-6439 or visit us at 5214 N Nevada Ave #100 to compare rates from multiple carriers. Most quotes take just 10-15 minutes.

Serving all of Colorado Springs including:

  • Downtown Colorado Springs

  • Fort Carson and military families

  • Briargate

  • Powers Corridor

  • Fountain

  • Monument

  • Falcon

  • Security-Widefield