The best car insurance in Pueblo, CO

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Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

&Rachael Brennan

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Updated|3 min read

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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.

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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.

Key takeaways

  • American National has the lowest average car insurance rates in Pueblo for full coverage.

  • The ZIP code with the most expensive rates in Pueblo is 81001, with yearly rates of $2,089.

  • The minimum liability car insurance requirements in Colorado are $25,000 per person / $50,000 per accident in bodily injury liability and $15,000 in property damage liability.

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

$904

--

GEICO

$1,197

871

USAA

$1,351

890

State Farm

$1,429

881

Colorado Farm Bureau

$1,634

--

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

81001

$2,089

81003

$2,081

81004

$2,043

81005

$1,957

81006

$1,929

81008

$1,990

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

Colorado Farm Bureau

At-fault accident

$1,249

$1,993

$2,047

$1,680

$2,145

DUI

$1,394

$2,252

$3,008

$1,565

$2,106

Suspended license

$1,465

$1,885

$2,834

$1,565

$2,106

Open container

$1,249

$1,645

$2,272

$1,565

$2,106

Expired registration

$1,096

$1,349

$1,810

$1,565

$2,023

Driving without lights

$1,096

$1,696

$1,603

$1,565

$2,023

Not showing documents

$1,096

$1,349

$1,810

$1,565

$2,023

Running a red light

$1,096

$1,696

$1,810

$1,565

$2,023

Failure to yield

$1,172

$1,696

$1,810

$1,565

$2,266

Following too closely

$1,096

$1,696

$1,810

$1,565

$2,023

Hit and run

$1,465

$2,473

$3,191

$1,565

$2,106

Illegal turn

$1,096

$1,696

$1,810

$1,565

$2,023

Improper passing

$1,172

$1,696

$1,810

$1,565

$2,023

Not-at-fault accident

$981

$1,262

$1,455

$1,450

$1,776

Passing a school bus

$1,172

$1,696

$2,272

$1,565

$2,023

Racing

$1,465

$2,612

$3,008

$1,565

$2,106

Reckless driving

$1,465

$2,612

$2,272

$1,565

$2,106

Speeding

$1,096

$2,612

$1,810

$1,565

$2,266

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

$2,770

State Farm

$2,951

Kemper

$2,959

Farmers Union

$3,116

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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 $904 per year for full coverage.

Is car insurance expensive in Colorado?

Drivers in Colorado pay an average of $1,751 per year for car insurance, which is slightly more 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 $1,751 per year, which means the average monthly insurance rate is $145.92. Pueblo has higher rates than the state average, however, so drivers in Pueblo pay an average of $167.92 per month.

Methodology

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.

Authors

Freelance contributor

Gianetta Palmer

Freelance contributor

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Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Senior Editor & Licensed Auto Insurance Expert

Rachael Brennan

Senior Editor & Licensed Auto Insurance Expert

gray linkedin icon link

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

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