Best Cheap Auto Insurance in Pueblo, Colorado (2023)

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 $245, though your rates may be higher or lower depending on factors like your marital status, ZIP code, and driving record.

Drivers who want to save money should still consider purchasing a full-coverage policy — despite the policy type being more expensive — or at least comprehensive insurance, as Pueblo has one of the highest motor vehicle theft rates in Colorado.

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Best 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.

Best insurer for liability-only coverage: State Farm

Best insurer for military members and their families: USAA

Best insurer for bundling discounts: American Family

Cheapest liability-only car insurance in Pueblo

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.

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

Cheapest full-coverage car insurance in Pueblo

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]

To help you shop for the best full-coverage insurance, here are the cheapest insurers in Pueblo, according to Insurify data.

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]

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 driver, even if you’re at fault.

• 

  Comprehensive coverage

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

• 

  Medical payments coverage

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

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.

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Cheapest car insurance for drivers with a speeding ticket

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]

Finding affordable auto insurance is important after getting a speeding ticket in Pueblo. Here are the cheapest car insurance companies in the city.

Cheapest car insurance for drivers with an at-fault accident

Pueblo County reported nearly 3,000 car crashes in 2022 — a slight decrease from the previous year.^[5] However, 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.

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

Cheapest car insurance for drivers with a DUI

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]

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

Cheapest car insurance for seniors

Seniors older than 65 account for 18% of Pueblo’s population, and senior drivers should know that their car increase rates can slightly increase around age 75.^[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]

However, senior drivers can still find relatively cheap car insurance, starting with the insurers in the table below.

Cheapest car insurance for teens

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]

However, 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 if the best way to save money on Colorado car insurance rates is to keep young drivers on their parents’ policies.

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.

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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 score 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.

Generally, drivers with excellent or good credit scores 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.

Is car insurance more expensive in Pueblo?

Some Pueblo residents might wonder why Pueblo’s average monthly rate of $242 is only slightly more expensive than the national average of $245 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. For instance, Pueblo insurance is much more expensive than an auto insurance policy in Boulder or Fort Collins.

More cities in Colorado

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

Pueblo car insurance FAQs