The average Pueblo driver pays $2,015 per year for full coverage car insurance. Compared to the state average of $1,751, drivers in Pueblo pay $264 more for car insurance than other drivers in Colorado.
The best way to find cheap car insurance rates is by comparing before you buy. Policygenius can help you get quotes from top companies, so you can find the best coverage that works for you.
Cheapest car insurance companies in Pueblo, CO
The price you pay for car insurance is different for everyone. Insurers all use the same information to set insurance premiums, like your driving record, the car you drive, and where you live, but how each company weighs the data varies by company. Pueblo drivers should compare quotes from several companies to find the cheapest rates for their needs.
Cheapest car insurance rates by ZIP code in Pueblo, CO
Insurers look at crime statistics, including stolen vehicles, speeding tickets issued, and others in a given ZIP code and set rates accordingly. If you live in a community with a high crime rate, your car insurance rates will typically be higher than someone who lives in a safer neighborhood.
Choosing the right car insurance company in Pueblo, CO
Choosing the right car insurance company is an important decision for you and your family. The right insurance company can mean many things to many people. Customer service is important, but so are affordable rates. The insurer you select should have your best interests at heart and be there when needed the most.
Policygenius can help you see quotes from top companies. Answer a few questions and let our team of trained professionals get you the best coverage based on your insurance needs.
Car insurance rates for drivers with driving violations in Pueblo, CO
Your driving record is probably the biggest factor insurance companies use to set your rates, so maintaining a clean record is an easy way to lower your insurance costs. Your rates will likely go up for even small traffic violations, but they may increase by much more for more serious violations.
Cheapest car insurance for drivers with bad credit in Pueblo, CO
Your credit score is one of the factors insurance companies use when assessing risk, so having a lower credit score could mean having higher premiums, and a higher credit score could reduce your premiums.
Buying car insurance in Pueblo, CO
The law in Colorado says drivers must carry the following types of auto insurance:
Bodily Injury Liability Coverage Per Person: $25,000
Bodily Injury Liability Coverage Per Accident: $50,000
Property Damage Liability Coverage: $15,000
Colorado is an at-fault state when it comes to driving violations. This means that the driver responsible for the crash must pay for damages and repairs to the other vehicles and pay for any injuries suffered as a result of the accident up to policy limits. Double-check your coverage to make sure you have enough coverage, as Colorado’s minimums may be lower than you need.
How to get cheap car insurance in Pueblo, CO
Many insurance companies offer discounts to customers to save money. Here are some of the most common, including:
Safe-driver discount: For drivers who have no accident claims or have completed a defensive driver course.
Good student discount: For young drivers enrolled in high school or college who maintain a B average.
Bundling discount: The combining of home, life, and auto insurance policies with the same company can save you money all around.
Military discount: A discount for active-duty service members and their families.
Not all insurance companies offer these discounts, so comparing quotes from several companies is a great way to find lower rates.
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: 50/100
Property damage liability: $50,000
Uninsured/underinsured motorist: 50/100
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.