Best car insurance in Pueblo, CO (2024)

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Gianetta PalmerContributing WriterGianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael 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.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.
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Reviewed by

Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

Updated|2 min read

Expert reviewedExpert reviewedThis article has been reviewed by a member of ourFinancial Review Council to ensure all sources, statistics, and claims meet the highest standard for accurate and unbiased advice.Learn more about oureditorial review process.

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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.

Ready to shop car insurance?

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 cheapest car insurance costs in Pueblo for full coverage with an average rate of $959 per year.

  • The ZIP code with the most expensive rates in Pueblo is 81006, with yearly rates of $2,062.

  • 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.

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

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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

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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

Ready to shop car insurance?

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.

Authors

Gianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.

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.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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