Cheapest Auto Insurance in Pueblo, Colorado (2024)

State Farm is the cheapest car insurance company in Pueblo, with monthly liability rates as low as $47.

Nick Dauk
Written byNick Dauk
Nick Dauk
Nick Dauk
  • 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.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Updated May 23, 2024

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Cheapest recent rates near Pueblo, Colorado

Drivers using Insurify have found quotes as cheap as $48/mo for liability only and $99/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 May 23, 2024

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 May 23, 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 May 23, 2024

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 May 23, 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 $145, which is similar to the statewide average of $150 per month and slightly less than the nationwide monthly average of $160.

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 $81 per month for liability-only insurance and $210 per month for full coverage.

  • State Farm, USAA, and American Family have the cheapest car isurance in Pueblo.

  • Pueblo drivers pay a yearly average of $2,518 for full-coverage car insurance.

3 of the cheapest car insurance companies in Pueblo

Whether you work through local independent insurance agencies or major companies, 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, Colorado.

Insurance CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
State Farm4.6$99$48Liability-only coverage
USAA4.7$127$61Military members and their families 
American Family4.5$136$65Bundling 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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for liability-only coverage: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$47/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.
$96/mo

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. A dozen discounts are available to help you save more on your premiums.

State Farm has the highest AM Best Rating, 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

Read our State Farm review
Shirley - May 22, 2024
Verified

Excellent

I need a discount because I'm a good driver.

Dana - May 22, 2024
Verified

Not Good

I don't drive much, but they keep raising my rate.

George - May 21, 2024
Verified

Still Looking...

Find a company that's cheaper with better benefits.

Best insurer for military members and their families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$124/mo

With multiple military bases less than an hour from Pueblo, USAA is a great option for drivers who are active or retired members of the U.S. Armed Forces. Their families and children 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
  • Many member benefits beyond auto insurance

  • Provides military-specific benefits

Cons
  • 24/7 customer service not available

  • Only military members and immediate family are eligible

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

Best insurer for bundling discounts: American Family

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
840
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.
$132/mo

American Family insurance 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
  • Lots of ways to bundle

  • Multiple independent agents in Pueblo

Cons
  • Many NAIC complaints in Colorado

  • 24/7 phone number is automated service

Read our American Family review
Virginia - May 20, 2024
Verified

Nobody has topped their premiums.

They are very prompt and pay out fairly when there's a claim.

Carolyn - May 15, 2024
Verified

Very professional and helpful.

I am very satisfied with the service.

Leon - May 13, 2024
Verified

They Will Drop Your Coverage After One Major Claim

I had three home and three car insurance policies with them, and they cancelled one home insurance after a claim.

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 insurance 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 a good credit score for lower rates.

  • Bundle insurance. Some insurers let you bundle your auto insurance with risk insurance or homeowners, motorcycle, or renters insurance for a lower rate.

Find Car Insurance in Pueblo, Colorado

Liability rates start at $47 per month

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Cheapest liability-only car insurance in Pueblo: State Farm

Liability-only car insurance is the minimum-required insurance for Colorado drivers. In most states, liability insurance covers the minimum-coverage levels by law, so the liability-only insurance in New Mexico or Kansas may differ from the Centennial State. 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 $81 per month, on average.

Here are the cheapest companies for liability-only insurance in Pueblo, Colorado.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm47
USAA59
American Family63
Sun Coast68
GEICO71
Allstate72
Nationwide77
Safeco79
Progressive81
Auto-Owners83
The General87
Midvale Home & Auto91
Root92
Bristol West94
Dairyland100
Foremost113
Direct Auto116
Travelers116
Farmers122
Liberty Mutual137
National General139
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 coverage is helpful if you hit a snowbank, telephone pole, or animal. 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 $210 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
State Farm96
USAA124
American Family132
GEICO147
Allstate149
Root152
Nationwide160
Safeco163
Progressive168
Sun Coast168
Auto-Owners171
Midvale Home & Auto171
Liberty Mutual232
Bristol West234
The General241
Travelers241
Dairyland249
Farmers252
State Auto256
Direct Auto257
National General292
Foremost315
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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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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

    Collision insurance covers vehicle repair costs when you hit a stationary object or another driver, even if you’re at fault.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive insurance covers events not related to a collision, including theft, weather damage, falling objects, vandalism, and floods.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

    Medical payments coverage supplements your health insurance policy to help cover your medical costs after an accident, regardless of fault.

Learn More: How Much Car Insurance Do You Need?

Learn More: How Much Car Insurance Do You Need?

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.

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 $57 for drivers with an incident

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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 $120 per month, and full coverage costs $311 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 cheapest car insurance companies in the city.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
State Farm4762
USAA5978
American Family6383
Sun Coast68101
GEICO7194
Allstate7295
Nationwide77103
Safeco79106
Progressive81107
Auto-Owners83110
The General87116
Midvale Home & Auto91124
Root92129
Bristol West94123
Dairyland100133
Foremost113165
Direct Auto116155
Travelers116155
Farmers122160
Liberty Mutual137199
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 $114 per month for liability coverage, on average.

The table below shows the cheapest auto insurance companies for drivers with an at-fault accident on their records in Pueblo.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
State Farm4762
USAA5978
American Family6383
Sun Coast6896
GEICO7194
Allstate7295
Nationwide77103
Safeco79101
Progressive81109
Auto-Owners83109
The General87117
Midvale Home & Auto91127
Root92129
Bristol West94122
Dairyland100132
Foremost113163
Direct Auto116157
Travelers116154
Farmers122160
Liberty Mutual137198
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. 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]

Liability-only insurance for Pueblo drivers with a DUI costs $130 per month, on average. That rate increases to $338 per month for full coverage.

The table below shows the cheapest car insurance companies in Pueblo, Colorado, for drivers with a DUI.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
State Farm4777
USAA5997
American Family63104
Sun Coast68109
GEICO71117
Allstate72118
Nationwide77127
Safeco79130
Progressive81133
Auto-Owners83136
The General87143
Midvale Home & Auto91150
Root92151
Bristol West94154
Dairyland100164
Foremost113186
Direct Auto116191
Travelers116191
Farmers122201
Liberty Mutual137225
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 increase rates can sincrease slightly around age 70.[8] Drivers around age 35 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, mainly due to age-related physical, cognitive, or visual problems. These issues often increase rates.[9]

Senior drivers in Pueblo pay $54 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm6733
USAA8942
American Family9244
GEICO10551
Nationwide10751
Progressive10752
Allstate10852
Sun Coast11245
Root11368
Midvale Home & Auto11662
Safeco11857
Auto-Owners12058
Liberty Mutual16497
Bristol West16968
Travelers17082
Farmers17685
Direct Auto17780
The General17864
Dairyland17972
Foremost22179
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 fatal 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 $147 for liability coverage and $380 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.

The below rates are estimated rates current as of: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyFull CoverageLiability Only
State Farm16380
USAA20698
American Family232111
GEICO232112
Root233141
Allstate261126
Nationwide274132
Auto-Owners295143
Midvale Home & Auto298159
Sun Coast304123
Progressive305147
Safeco342166
The General391141
Bristol West400161
Dairyland419168
Liberty Mutual433256
Travelers435209
Farmers445215
Direct Auto470212
Foremost559201
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.

Drivers with excellent or good credit scores generally get the lowest rates, while drivers with poor credit scores get the highest 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 $145 is slightly lower than the national average of $160 per month. This could be because some states, like Florida, may have a higher rate of uninsured drivers, or because of states like Alabama, which have more hurricanes and tornadoes than Colorado.

Rates will vary between cities in Colorado just as drastically as in other states.

More cities in Colorado

In many cases, Pueblo insurance prices are higher than other cities in Colorado. Compare average car insurance rates in Denver, Colorado Springs, and others below.

CityFull CoverageLiability Only
Arvada$193$92
Broomfield$191$87
Colorado Springs$234$91
Denver$240$97
Greeley$191$79
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 $81 per month for liability-only coverage and $210 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 $47. 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 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, 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.

Sources

  1. Federal Bureau of Investigation. "Uniform Crime Report — Colorado."
  2. Colorado General Assembly. "Mandatory Automobile Insurance in Colorado."
  3. Colorado General Assembly. "State Speed Limits."
  4. Colorado General Assembly. "Penalties for Speeding Violations."
  5. Colorado Department of Transportation. "Colorado Crash Data Dashboard."
  6. Colorado Department of Transportation. "2021 Problem Identification Report."
  7. Colorado Department of Transportation. "Impaired Driving."
  8. U.S. Census Bureau. "QuickFacts: Pueblo city, Colorado."
  9. III. "Senior driving safety and insurance tips."
  10. Insurance Institute for Highway Safety. "Teenagers."
  11. Governors Highway Safety Association. "Teens and Speeding: Breaking the Deadly Cycle."
Nick Dauk
Nick Dauk

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.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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