The average Pueblo driver pays $2,149 per year for full coverage car insurance. That's $297 more expensive per year than the state average of $1,751 among all 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.
Methodology & why you can trust our 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: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
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.
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.
Company | Average cost | JD Power Rating |
|---|---|---|
American National | $959 | -- |
GEICO | $1,197 | 874 |
USAA | $1,454 | 890 |
State Farm | $1,472 | 882 |
Farm Bureau | $1,601 | -- |
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.
ZIP code | Average cost |
|---|---|
81006 | $2,062 |
81005 | $2,087 |
81008 | $2,119 |
81004 | $2,173 |
81003 | $2,222 |
81001 | $2,231 |
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.
Violation | American National | GEICO | USAA | State Farm | Farm Bureau |
|---|---|---|---|---|---|
At-fault accident | $1,378 | $1,993 | $2,191 | $1,717 | $2,106 |
DUI | $1,460 | $2,252 | $3,191 | $1,606 | $2,078 |
Suspended license | $1,564 | $1,885 | $3,014 | $1,606 | $2,078 |
Open container | $1,378 | $1,645 | $2,429 | $1,606 | $2,078 |
Expired registration | $1,174 | $1,349 | $1,943 | $1,606 | $1,994 |
Driving without lights | $1,174 | $1,696 | $1,720 | $1,606 | $1,994 |
Running a red light | $1,174 | $1,696 | $1,943 | $1,606 | $1,994 |
Following too closely | $1,174 | $1,696 | $1,943 | $1,606 | $1,994 |
Hit and run | $1,564 | $2,612 | $3,375 | $1,606 | $2,078 |
Not-at-fault accident | $1,033 | $1,262 | $1,563 | $1,495 | $1,744 |
Passing a school bus | $1,329 | $1,696 | $2,429 | $1,606 | $1,994 |
Reckless driving | $1,564 | $2,612 | $2,429 | $1,606 | $2,078 |
Speeding | $1,174 | $2,612 | $1,943 | $1,606 | $2,232 |
Cheapest car insurance for drivers with a DUI in Pueblo, CO
Company | Rates for drivers with DUIs |
|---|---|
American National | $1,460 |
State Farm | $1,606 |
Farm Bureau | $2,078 |
GEICO | $2,252 |
USAA | $3,191 |
Cheapest car insurance for drivers with a speeding ticket in Pueblo, CO
Company | Rates for drivers with speeding tickets |
|---|---|
American National | $1,174 |
State Farm | $1,606 |
USAA | $1,943 |
Farm Bureau | $2,232 |
GEICO | $2,612 |
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.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,712 |
Nationwide | $2,825 |
State Farm | $2,928 |
USAA | $3,157 |
Kemper | $3,366 |
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.
Frequently asked questions
Who has the lowest car insurance rates in Pueblo?
American National has the lowest insurance rates in the state, at $959 per year for full coverage.
Is car insurance expensive in Colorado?
Drivers in Colorado pay an average of $1,852 per year for car insurance, which is $228 more per year than the national average. Drivers in Colorado can save money on their car insurance by comparing quotes from multiple companies.
Is it legal to drive without insurance in CO?
No, drivers in Colorado are required by state law to have a minimum of 25/50/15 in liability coverage.
How much is car insurance a month in Colorado?
The average insurance rate in Colorado is $154 per month, or $1,852 per year. Pueblo has higher rates than the state average, however.
