Search "Security-Widefield" and the PFAS water story shows up before almost anything else — firefighting foam from Peterson Air Force Base that worked its way into the Widefield aquifer and, at one point, pushed every well in the local water district well past the EPA's health advisory level. It's a real, well-documented problem, and it's reasonable to wonder if it shows up on your car insurance bill too.
It doesn't. Car insurance in Security-Widefield is priced the same way it is anywhere else in El Paso County — off traffic patterns, weather claims, and accident history, not tap water. Here's what actually moves the number.
So what does set the price here?
Colorado's state-minimum 25/50/15 liability averages about $684 a year statewide. Security-Widefield sits in El Paso County next to Colorado Springs, where full coverage runs around $3,597 a year — meaningfully above the $3,181 statewide full-coverage average — mostly because the county shares the same comprehensive-claims exposure: frequent hail and a wildland-urban interface that stretches across the whole metro, not just the city limits.
25/50/15 means $25,000 in bodily injury coverage per person, $50,000 per accident, and $15,000 for property damage. Colorado is an at-fault state, so whoever causes the crash pays for it — and uninsured/underinsured motorist coverage rides along automatically at your liability limits unless you sign it away.
Why doesn't the water contamination factor in?
Auto insurers underwrite two things above all else: how likely your car is to get hit, and how likely it is to get damaged sitting still. Drinking water chemistry affects neither. The Security Water and Sanitation District's wells tested at PFAS levels as high as 1,370 parts per trillion — nearly 20 times the old EPA advisory threshold — and the Air Force has spent years funding filtration and bottled-water delivery in response. That's a homeowner and public-health issue.
Your comprehensive premium cares about hail dents and windshield claims, not what comes out of the tap. If a quote from Security-Widefield looks higher than one from a town with no contamination history, the gap traces back to traffic and weather, not the aquifer.
Does the Fort Carson commute matter?
For a lot of residents here, yes — indirectly. Highway 85/87 is the main north-south spine linking Security-Widefield to Fort Carson's Gate 1, and most addresses put you 10 to 25 minutes from the gate depending on traffic and exactly where on post you're headed. That's a shorter, more predictable commute than a lot of Colorado Springs neighborhoods get, which is one reason military families cluster here.
- Ask about active-duty discounts: USAA, GEICO, and State Farm all offer them, and they can be worth more than shopping around blind.
- Know the out-of-state grace period: Colorado allows a short window on an existing policy after you arrive, but registering a vehicle locally requires Colorado-compliant coverage.
- Re-quote after a PCS move: Rates shift enough by carrier that a policy that was cheapest at your last post may not be here.
Does it matter whether I'm in Security or Widefield?
A little. Security-Widefield is unincorporated — patrolled by the El Paso County Sheriff's Office rather than a city police department — and locals still draw a line at Fontaine Boulevard: Security to the north, Widefield to the south. That split doesn't change your rate directly, but ZIP code and exact address do, especially the closer you sit to the 85/87 corridor versus a quieter side street.
If you've moved within the community recently, or you're comparing a Security address against a Widefield one before signing a lease, get quotes for both. For more on how coverage levels change the number, see our minimum vs. full coverage guide.