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.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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.
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Cheapest recent rates near Pueblo, Colorado
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $93/mo for full coverage in Pueblo and other Colorado cities.
*Quotes generated for Insurify users in and around Pueblo, Colorado within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 December 19, 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $153.
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
$126
$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 55,000 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
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 9,243 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 (5,080)
Al
December 19, 2024
Verified Review
My Opinion
Way too high premium.
Agnes
December 19, 2024
Verified Review
Best Insurance Company
I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.
Gabriel
December 18, 2024
Verified Review
My Experience with State Farm
Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78
A.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
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 1,646 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 (940)
Arlington
December 18, 2024
Verified Review
Mediocre
It's too hard to get past all the checks and balances to verify you're a member. There are too many questions and memory items to get past their firewall. Lastly, everyone is working remotely, and you can hear the family activities in the background.
Peter
December 18, 2024
Verified Review
Not Happy with USAA
They increase premium rates without notifying you well in advance. They even raise the premium for a minor fender bender, like pulling out of a driveway into an illegally parked vehicle.
Donna
December 17, 2024
Verified Review
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
I was in an accident which was not my fault, and my insurance increased to $118 a month. I don't drive my car much, less than 50 miles a day. Additionally, I have home insurance with USAA and my payment increased by $100. As a veteran, I find this totally wrong.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35
A.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
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 394 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 (211)
Kelley
December 2, 2024
Verified Review
They raise rates every two months. They handled an incident where my wife got rear-ended and then raised the rate.
They raise rates every two months. They handled an incident where my wife got rear-ended and then raised the rate.
Jim
November 30, 2024
Verified Review
Highway Robbery
I had no claims, yet my premiums are skyrocketing. The app for auto monitoring seems to be negatively skewed for those of us who drive very little. The agents are unresponsive and add no value.
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.3
A.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
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: Sunday, December 1 at 11:00 AM PST.
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: Sunday, December 1 at 11:00 AM PST.
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
Drivers using Insurify have found quotes as cheap as $46/mo for liability only and $93/mo for full coverage in Pueblo and other Colorado cities.
*Quotes generated for Insurify users in and around Pueblo, Colorado within the last 10 days. Last updated on December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 December 19, 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 December 19, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 December 19, 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.
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 $132 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With Speeding Ticket
▲▼
State Farm
$46
$60
USAA
$59
$78
American Family
$63
$83
GEICO
$70
$93
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
$144
Dairyland
$112
$148
Travelers
$114
$152
Foremost
$114
$162
Farmers
$120
$158
Direct Auto
$125
$166
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: Sunday, December 1 at 11:00 AM PST.
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
$109
Sun Coast
$76
$106
Progressive
$80
$108
Auto-Owners
$81
$109
The General
$87
$119
Bristol West
$93
$124
Safeco
$108
$144
Dairyland
$112
$148
Travelers
$114
$153
Foremost
$114
$162
Farmers
$120
$160
Direct Auto
$125
$171
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 $146 per month, on average. That rate increases to $355 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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Clean Driving Record
▲▼
With DUI
▲▼
State Farm
$46
$75
USAA
$59
$96
American Family
$63
$102
GEICO
$70
$114
Allstate
$71
$115
Nationwide
$76
$123
Root
$76
$111
Sun Coast
$76
$122
Progressive
$80
$130
Auto-Owners
$81
$132
The General
$87
$141
Bristol West
$93
$151
Safeco
$108
$158
Dairyland
$112
$182
Travelers
$114
$185
Foremost
$114
$185
Farmers
$120
$195
Direct Auto
$125
$203
National General
$145
$236
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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$72
$34
USAA
$96
$45
American Family
$101
$47
Root
$108
$61
GEICO
$113
$53
Allstate
$115
$54
Nationwide
$115
$53
Progressive
$118
$54
Auto-Owners
$131
$61
Sun Coast
$135
$56
Safeco
$160
$88
The General
$178
$67
Bristol West
$179
$71
Travelers
$182
$84
Farmers
$190
$89
Dairyland
$199
$85
National General
$208
$104
Direct Auto
$213
$92
Liberty Mutual
$246
$154
Foremost
$262
$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: Sunday, December 1 at 11:00 AM PST.
Insurance Company
▲▼
Full Coverage
▲▼
Liability Only
▲▼
State Farm
$175
$82
Root
$209
$118
USAA
$221
$103
American Family
$243
$113
GEICO
$249
$116
Allstate
$281
$131
Nationwide
$296
$138
Auto-Owners
$304
$141
Progressive
$313
$145
Sun Coast
$330
$138
The General
$383
$143
Safeco
$386
$212
Bristol West
$411
$162
Dairyland
$440
$186
Travelers
$463
$214
Farmers
$467
$217
Direct Auto
$548
$236
Liberty Mutual
$550
$343
National General
$586
$294
Foremost
$636
$210
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.
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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.
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 $153 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.
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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
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.
Nick has been a contributor at Insurify since October 2022.
Más de 3 años produciendo contenidos sobre seguros y finanzas personales
Principal artífice de la puntuación de calidad de Insurify
Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.
Mark FriedlanderDirector, Corporate Communications, Triple-I
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.
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