Cheapest Auto Insurance in Pueblo, Colorado (2024)
State Farm is the cheapest car insurance company in Pueblo, with monthly liability rates as low as $46.
Excellent
)
Written byNick Dauk
)
6+ years writing about insurance, travel, and personal finances
Contributor to brands like Credible
In addition to insurance, Nick specializes in writing about business, entrepreneurship, personal finance, and travel. He’s been featured in myriad web publications, including Fox Business.
Featured in
){kind=logo}
){kind=small}
){kind=small}
)
Edited byCourtney Mikulski
)
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in
){kind=small}
){kind=small}
)
Reviewed byMark Friedlander
)
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
Updated November 21, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
Once the site of a devastating flood, Pueblo, Colorado, now draws tourists to its serene riverwalk less than an hour from Colorado Springs. The average monthly cost for car insurance in Pueblo is $157, which is similar to the statewide average of $158 per month and slightly less than the nationwide monthly average of $154.
Pueblo’s smaller population size compared to cities like Denver and Colorado Springs could partly account for its lower rates.
Here’s what you should know about comparing quotes and finding cheap car insurance in Pueblo.
Quick Facts
The average cost of car insurance in Pueblo is $91 per month for liability-only insurance and $222 per month for full coverage.
State Farm, USAA, and American Family have the cheapest car insurance in Pueblo.
Pueblo drivers pay a yearly average of $2,668 for full-coverage car insurance.
3 of the cheapest car insurance companies in Pueblo
Whether you work through local independent insurance agencies or captive agents that only represent one company, getting a great deal means more than finding the most affordable option. Ask for free quotes so you can compare coverage options and limits to find the best coverage for your individual situation, needs, and budget.
Start with the top insurance companies Insurify identified in Pueblo.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| State Farm | 9.3 | $97 | $46 | Liability-only coverage |
| USAA | 9.4 | $125 | $59 | Members of the military community
|
| American Family | 9.1 | $134 | $63 | Bundling discounts |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $46/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
4.2
Best choiceBased on 9037 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,970)
Charles
November 19, 2024
Verified Review
New Car Price
State Farm is preferred due to its loyalty and pricing. Despite my vehicle being 20 years old, the policy is priced as if it were 2 years old.
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you’re looking for comparatively affordable insurance rates in Pueblo, State Farm has lower-than-average rates for both liability-only coverage and full-coverage insurance. The largest U.S. auto insurer by market share, State Farm offers a dozen discounts to help you save more on your premiums.
State Farm has the highest AM Best Rating available, which means it’s exceptional at paying out claims, though its high customer complaint rating with the National Association of Insurance Commissioners (NAIC) means that some policyholders filed complaints with the company.
Pros
Top J.D Power customer satisfaction rating in the Southwest region
A++ (Superior) financial strength rating from AM Best
Cons
High NAIC customer complaint score
Accident-free discount requires three years of policy history
Best insurer for military members and their families: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $59/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $127/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
With multiple military bases less than an hour from Pueblo, USAA is a great option for drivers who are active-duty military members or veterans. Their families also qualify for coverage.
Pay-as-you-drive auto insurance is now available in Colorado, which could make USAA’s already low average rates even lower. Aside from strict eligibility requirements for acceptance, one downside of USAA is that a policyholder can’t contact a live agent 24/7.
Pros
Numerous bundling opportunities with home, renters, and life insurance
Provides military-specific benefits
Cons
24/7 customer service not available
Coverage restricted to members of the military community
Best insurer for bundling discounts: American Family
| User Reviews | 4.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $63/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $136/mo |
4.5
Best choiceBased on 386 verified guest reviews and ratings
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
How drivers feel about American Family
Drivers appreciate the responsive customer service and reliability but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Outstanding customer service
Flexible coverage options
Families with young drivers
Reviews (207)
Stephanie
November 5, 2024
Verified Review
It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
It started out okay. My six-month policy was over and immediately, I received a rate hike of 124 dollars. I question why this is the case as I am an excellent driver. I'm tired of feeling punished for the actions of other irresponsible drivers. Additionally, I was informed that my insurance will continue to increase and they don't foresee any changes soon. It's not something I'm looking forward to. Thanks!
Devona
November 5, 2024
Verified Review
Line by Line to Save Money
Go through every line item with your agent!
Joseph
November 4, 2024
Verified Review
Looking for Better
Beware of renewal periods, as American Family increases the premium amount at every renewal stage, even without you having any claims or violations.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
American Family is available in Colorado, allowing Pueblo drivers to access insurance products that people in some other states can’t. Along with auto insurance rates among the lowest averages in the city, American Family also offers a variety of other personal, property, and commercial insurance products; it claims you can save up to 23% by bundling auto insurance with another policy.
Pros
Numerous bundling opportunities
Multiple exclusive agents throughout the area
Cons
Many NAIC complaints in Colorado
24/7 phone number is automated service
How to get the cheapest car insurance in Pueblo
While young and senior drivers should look for age-appropriate discounts, plenty of savings for other drivers are available. Along with discounts for driving a vehicle with specific safety features or avoiding incidents for a set period of time, here are some other ways to potentially lower your rates:
Reconsider coverage. Reduce optional coverages, such as collision and comprehensive, on an older car with a low market value to get lower rates.
Shop for quotes. Compare free quotes from at least three different car insurance companies for the same coverage levels to find the one that offers the best rates.
Increase your credit score. Check your credit history for inaccuracies, correct them, and maintain good credit for lower rates.
Bundle insurance. Some insurers let you bundle your auto insurance with other insurance such as homeowners, motorcycle, or renters for a lower rate.
Find Car Insurance in Pueblo, Colorado
Liability rates start at $46/mo. for Pueblo drivers
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Pueblo: State Farm
Liability-only car insurance is the minimum-required insurance for Colorado drivers. In Colorado, it covers bodily injury and damage that you cause another driver, vehicle, or property in an at-fault accident.
Liability insurance in Pueblo costs $91 per month, on average.
Here are the cheapest companies for liability-only insurance in Pueblo.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $46 |
| USAA | $59 |
| American Family | $63 |
| GEICO | $70 |
| Allstate | $71 |
| Nationwide | $76 |
| Root | $76 |
| Sun Coast | $76 |
| Progressive | $80 |
| Auto-Owners | $81 |
| The General | $87 |
| Bristol West | $93 |
| Safeco | $108 |
| Dairyland | $112 |
| Travelers | $114 |
| Foremost | $114 |
| Farmers | $120 |
| Direct Auto | $125 |
| National General | $145 |
| Liberty Mutual | $194 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Pueblo: State Farm
The difference between liability-only and full-coverage car insurance is that liability coverage pays for damages or injuries to others that you cause, while full-coverage car insurance pays for your own vehicle damages.
Full-coverage policies usually include comprehensive and collision coverage. Collision will cover your losses if you hit another vehicle or a stationary object like a tree or light pole. Comprehensive covers non-collision damage and losses, such as theft — a crime in which Pueblo ranked fourth across Colorado cities.[1]
Pueblo drivers pay a monthly average of $222 for full coverage.
To help you shop for the best full-coverage insurance, here are the cheapest insurers in Pueblo, according to Insurify data.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| State Farm | $98 |
| USAA | $127 |
| Root | $135 |
| American Family | $136 |
| GEICO | $150 |
| Allstate | $152 |
| Nationwide | $163 |
| Progressive | $173 |
| Auto-Owners | $175 |
| Sun Coast | $182 |
| Safeco | $197 |
| The General | $233 |
| Bristol West | $236 |
| Travelers | $247 |
| Farmers | $258 |
| Dairyland | $264 |
| National General | $289 |
| Direct Auto | $290 |
| Liberty Mutual | $311 |
| Foremost | $346 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Pueblo, Colorado
Recent Pueblo, Colorado car insurance prices for Mazda, Dodge, Toyota , and more.
*Quotes generated for Insurify users in and around Pueblo, Colorado within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Pueblo, Colorado within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Colorado
Colorado is an at-fault state, which means the driver responsible for the accident pays for the damages and injuries they cause to other parties, usually through their liability insurance. While car insurance rates can vary by ZIP code, minimum car insurance requirements don’t.
Colorado’s at-fault insurance laws require the following minimum coverages for all drivers:[2]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person per accident / $50,000 for all persons per accident |
| Property damage liability | $15,000 per accident |
Colorado minimum car insurance requirements are just that: a minimum. They may not be enough to cover all the expenses following an accident, and they don’t cover damages to your own vehicle.
Pueblo drivers may want to purchase additional optional coverages for their car insurance policies, such as:
Collision coverage
Collision insurance covers vehicle repair costs when you hit a stationary object or another vehicle, even if you’re at fault. It also covers rollover accidents and damage from hitting a pothole.
Comprehensive coverage
Comprehensive insurance covers events not related to a collision, including theft, weather damage, falling objects, vandalism, cracked windshields, and floods.
Uninsured/underinsured motorist coverage
If a driver without insurance or not enough insurance causes a car accident with you, uninsured/underinsured motorist coverage kicks in to provide coverage for your damages and injuries. It also covers hit-and-run accidents. Colorado requires insurers to offer this coverage to all drivers, but you can decline it in writing if you don't want it.
Medical payments coverage
Medical payments coverage supplements your health insurance policy to help cover your medical costs after an accident, regardless of fault. Colorado requires auto insurers to offer at least $5,000 in MedPay coverage to all drivers, but policyholders can decline it in writing.
Accident forgiveness
An at-fault accident can significantly increase your car insurance rates for several years. But if you purchase accident forgiveness when you buy your policy, your rates won't go up after your first at-fault accident. Generally, you'll need to have a clean driving record for at least three years to be able to qualify for this optional coverage.
Gap insurance
If an accident totals your leased or financed vehicle, your car insurance payout may be less than the amount you still owe on the lease or loan. In that situation, gap insurance steps in to pay the difference between a total loss payout and your outstanding loan or lease balance.
)
Learn More: How Much Car Insurance Do You Need?
Cheapest car insurance for drivers with an incident
At-fault accidents usually make your car insurance prices go up, but traffic and moving violations, like speeding tickets, are also incidents that can raise your rates for several years.
Any time you’re involved in an accident or engage in risky driving behaviors that might increase the likelihood of an accident, such as driving under the influence, insurers likely penalize you with higher rates.
Shop for Car Insurance in Pueblo, CO
Monthly rates start at $56 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: State Farm
Insurers consider speeding to be a risky driving behavior since speed is often a contributing factor in fatal car crashes. In Colorado, speed limits range from 20 mph to 65 mph, but local governments can’t increase it to more than 75 mph.[3]
Along with your premium rising from a speeding ticket, you may face fines or even jail time if you violate Colorado Class A or B traffic infractions.[4]
Liability insurance costs an average of $131 per month, and full coverage costs $321 per month for Pueblo drivers with a speeding ticket.
Finding affordable auto insurance is important after getting a speeding ticket in Pueblo. Here are the monthly liability-only quote of the cheapest car insurance companies in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| State Farm | $46 | $60 |
| USAA | $59 | $78 |
| American Family | $63 | $83 |
| GEICO | $70 | $92 |
| Allstate | $71 | $94 |
| Nationwide | $76 | $101 |
| Root | $76 | $108 |
| Sun Coast | $76 | $110 |
| Progressive | $80 | $105 |
| Auto-Owners | $81 | $108 |
| The General | $87 | $117 |
| Bristol West | $93 | $124 |
| Safeco | $108 | $145 |
| Dairyland | $112 | $148 |
| Travelers | $114 | $152 |
| Foremost | $114 | $162 |
| Farmers | $120 | $158 |
| Direct Auto | $125 | $165 |
| National General | $145 | $192 |
| Liberty Mutual | $194 | $275 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: State Farm
Pueblo County reported nearly 3,000 car crashes in 2022 — a slight decrease from the previous year.[5] But accident rates in your area affect car insurance premiums, and actually causing an accident will likely increase your rates.
Any at-fault accident claim another driver files with your insurer means your insurer pays for the losses you caused. When comparing quotes, ask if the insurance company has any accident forgiveness programs that you can take advantage of if you’re ever at fault in an accident.
Drivers in Pueblo with an accident on their record pay $127 per month for liability coverage, on average.
The table below shows the cheapest liability-only rates for drivers with an at-fault accident on their records in Pueblo.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| State Farm | $46 | $61 |
| USAA | $59 | $79 |
| American Family | $63 | $84 |
| GEICO | $70 | $94 |
| Allstate | $71 | $95 |
| Nationwide | $76 | $102 |
| Root | $76 | $108 |
| Sun Coast | $76 | $106 |
| Progressive | $80 | $107 |
| Auto-Owners | $81 | $109 |
| The General | $87 | $118 |
| Bristol West | $93 | $124 |
| Safeco | $108 | $143 |
| Dairyland | $112 | $148 |
| Travelers | $114 | $153 |
| Foremost | $114 | $162 |
| Farmers | $120 | $160 |
| Direct Auto | $125 | $170 |
| National General | $145 | $193 |
| Liberty Mutual | $194 | $276 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: State Farm
Alcohol-impaired drivers were involved in 30% of all Colorado traffic fatalities in 2019.[6] Getting a DUI can cause your rates to increase or have your insurer cancel your policy mid-term. Keep in mind that in Colorado you can still be arrested for driving with a BAC below 0.05 if you show signs of impairment.[7] And in Colorado, a DUI remains on your motor vehicle record for 10 years.
Liability-only insurance for Pueblo drivers with a DUI costs $145 per month, on average. That rate increases to $354 per month for full coverage.
The table below shows the cheapest liability-only insurance in Pueblo for drivers with a DUI.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| State Farm | $46 | $75 |
| USAA | $59 | $96 |
| American Family | $63 | $102 |
| GEICO | $70 | $113 |
| Allstate | $71 | $115 |
| Nationwide | $76 | $123 |
| Root | $76 | $110 |
| Sun Coast | $76 | $121 |
| Progressive | $80 | $130 |
| Auto-Owners | $81 | $131 |
| The General | $87 | $141 |
| Bristol West | $93 | $151 |
| Safeco | $108 | $162 |
| Dairyland | $112 | $182 |
| Travelers | $114 | $185 |
| Foremost | $114 | $185 |
| Farmers | $120 | $195 |
| Direct Auto | $125 | $203 |
| National General | $145 | $235 |
| Liberty Mutual | $194 | $315 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: State Farm
Seniors older than 65 account for 18% of Pueblo’s population, and senior drivers should know that their car insurance rates can increase slightly around age 70.[8] Drivers around age 25 begin to see a decrease in premiums thanks to their years of experience and mitigated risk factors.
Unfortunately, older adults tend to have an increased risk of being involved in accidents. Age-related physical, cognitive, or visual problems can play a role in higher accident risks.[9]
Senior drivers in Pueblo pay $67 per month, on average, for minimum-coverage policies.
But senior drivers can still find relatively cheap car insurance, starting with the insurers in the table below.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $72 | $34 |
| USAA | $96 | $44 |
| American Family | $100 | $47 |
| Root | $107 | $60 |
| GEICO | $113 | $53 |
| Nationwide | $114 | $53 |
| Allstate | $115 | $54 |
| Progressive | $117 | $54 |
| Auto-Owners | $130 | $60 |
| Sun Coast | $134 | $56 |
| Safeco | $159 | $87 |
| The General | $178 | $67 |
| Bristol West | $178 | $70 |
| Travelers | $182 | $84 |
| Farmers | $190 | $88 |
| Dairyland | $199 | $84 |
| National General | $208 | $104 |
| Direct Auto | $213 | $92 |
| Liberty Mutual | $247 | $154 |
| Foremost | $261 | $86 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: State Farm
Pueblo teens should expect the highest average rates for car insurance because this age group is statistically more likely to be involved in a car accident than drivers age 20 and older due to inexperience, overconfidence, and increased distractions.[10] More than half of teen driving fatalities in Colorado were related to speed between 2015 and 2019.[11]
Pueblo teen drivers pay monthly averages of $165 for liability coverage and $402 for full coverage.
But young drivers can find savings opportunities. Teen drivers and their policyholder parents should ask their insurers about good student discounts, how to lower rates with a safer vehicle, and whether the best way to save money on Colorado car insurance rates is to keep young drivers on their parents’ policies. Keep in mind that drivers younger than 18 can't buy their own policy without the written consent of a parent or guardian.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| State Farm | $174 | $82 |
| Root | $209 | $117 |
| USAA | $220 | $102 |
| American Family | $242 | $112 |
| GEICO | $248 | $116 |
| Allstate | $279 | $130 |
| Nationwide | $294 | $137 |
| Auto-Owners | $303 | $140 |
| Progressive | $313 | $145 |
| Sun Coast | $329 | $137 |
| The General | $382 | $143 |
| Safeco | $390 | $214 |
| Bristol West | $410 | $162 |
| Dairyland | $440 | $187 |
| Travelers | $461 | $213 |
| Farmers | $465 | $216 |
| Direct Auto | $546 | $235 |
| Liberty Mutual | $551 | $344 |
| National General | $585 | $294 |
| Foremost | $634 | $209 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Compare Auto Insurance in Pueblo
Insurify partners with 100+ top insurance companies to generate free quotes
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Pueblo car insurance quotes by credit tier
Colorado law allows car insurance companies — including those in Pueblo — to use a driver’s credit history as a factor in determining policy rates and eligibility. Although credit scores and credit histories can’t be the only influential factor, they can still affect rates.
Drivers with excellent or good credit scores generally get the lowest rates, while drivers with poor credit scores get the highest rates.
Here’s what Pueblo drivers pay on average for car insurance, by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Pueblo?
Pueblo’s average monthly rate of $157 is slightly lower than the national average of $154 per month. This could be because Colorado has less risk of severe weather events like hurricanes and tornadoes.
Rates will vary between cities in Colorado just as drastically as in other states.
More cities in Colorado
Compare average car insurance rates in Denver, Colorado Springs, and others below.
City ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Arvada | $202 | $103 |
| Broomfield | $206 | $98 |
| Colorado Springs | $231 | $100 |
| Denver | $247 | $108 |
| Greeley | $214 | $84 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Pueblo car insurance FAQs
Learn how to shop for car insurance before you compare quotes, and check out Insurify’s answers to frequently asked questions about auto insurance in Pueblo.
How much is car insurance in Pueblo?
The average cost of car insurance in Pueblo is $91 per month for liability-only coverage and $222 per month for full coverage.
Which company has the cheapest car insurance in Pueblo?
State Farm has the cheapest car insurance in Pueblo, with monthly liability rates as low as $46. USAA and American Family also offer affordable coverage, with respective monthly liability rates of $59 and $63.
But the cheapest insurer for you will depend on many individual rating factors, such as your age, ZIP code, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Pueblo?
Among the top car insurance companies in Pueblo are American Family, State Farm, and USAA. These companies have high Insurify Quality (IQ) Scores, strong J.D. Power customer satisfaction ratings in the Southwest region, and comparatively affordable average rates.
But the best company for you depends on your coverage needs and budget, so it’s important to compare quotes to find the insurer that offers the best price to you.
What car insurance coverage options are available in Pueblo?
Pueblo drivers can find almost any type of coverage they need for their cars. In addition to liability insurance, insurers often offer comprehensive, collision, uninsured/underinsured motorist, rental reimbursement, accident forgiveness, roadside assistance, and gap coverage for drivers to customize their policy.
What are the minimum car insurance requirements in Colorado?
Colorado requires 25/50/15 minimum liability coverage limits. This translates to $25,000 per person and $50,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.[2]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Colorado
Sources
- Federal Bureau of Investigation. "Uniform Crime Report — Colorado."
- Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
- Colorado General Assembly. "State Speed Limits."
- Colorado General Assembly. "Penalties for Speeding Violations."
- Colorado Department of Transportation. "Colorado Crash Data Dashboard."
- Colorado Department of Transportation. "2021 Problem Identification Report."
- Colorado Department of Transportation. "Impaired Driving."
- U.S. Census Bureau. "QuickFacts: Pueblo city, Colorado."
- III. "Senior driving safety and insurance tips."
- Insurance Institute for Highway Safety. "Teenagers."
- Governors Highway Safety Association. "Teens and Speeding: Breaking the Deadly Cycle."
)
Nick Dauk
Nick Dauk is a freelance writer specializing in business, entrepreneurship, personal finance, and travel. His work has been featured in Fox Business, BBC, The Edge, Business Insider, and Bisnow. Nick is a first-generation college graduate, having majored in Interdisciplinary Studies at the University of Central Florida. His eclectic coursework, combined with previous managerial roles in the retail and broadcast television industries, have helped him develop an interdisciplinary approach to writing.
For nearly a decade, Nick has created content for mom-and-pop businesses and global corporations. As a travel writer, his global adventures have also been featured on Inside Hook, Houston Chronicle, Culture Trip, and Matador. When he's not traveling, Nick can be found in Orlando spending time with his wife and toddler.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Featured in
Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
)
)
)
)
)