UPDATED: Oct 23, 2020
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Looking for cheap auto insurance in Pueblo, CO? Pueblo is sometimes referred to as Steel City due to its economically powerful steel manufacturing base.
Thankfully, your auto insurance rates aren’t made of steel. Follow our comprehensive guide and we’ll help you secure cheap auto insurance in Colorado.
Ready to get the cheapest rates on Pueblo, CO auto insurance? Enter your ZIP code into our FREE tool above to get started.
Auto Insurance Rates in Pueblo
What is the average price of Pueblo, CO car insurance? The average auto insurance cost in Pueblo is $333.34 a month or $4,000.11 annually. However, we can help you lower that rate by breaking down how Pueblo, CO insurance companies calculate your premiums.
Companies determine your rate for auto insurance by age and gender, but that’s not all. Companies also calculate your quotes for auto insurance by zip code, commute length, credit history, and even your driving record. Colorado auto insurance laws also play a role.
Follow our tips and soon you’ll secure the best auto insurance rates in Pueblo.
Does gender and age affect my auto insurance in Pueblo?
It’s true that companies calculate auto insurance rates by gender and age. Of the two, age has a bigger impact on your auto insurance premiums.
Younger drivers have less experience, which makes them more likely to get into an accident. To mitigate that risk, insurance companies charge teen drivers higher rates.
Find your age in the table below to see what your average rates might look like.
|Driver Age||Average Auto Insurance Rate|
Once you turn twenty-five, your rates decrease dramatically. The older you get, the less your auto insurance in Pueblo, CO will cost you.
The following graph compares the monthly rates a teenager pays for auto insurance in Pueblo versus an adult.
Whether you are a youthful driver or even the parent of the youthful driver, finding an inexpensive policy can feel like an uphill fight. Fortunately, good student discounts and safe driver courses can help decrease your rates.
We mentioned that gender does not impact your rates as much as age. See what we mean in the table below.
|Driver Gender||Average Auto Insurance Rate|
Don’t let the numbers scare you. Men only pay fourteen dollars more per month for their auto insurance rates in Pueblo, CO than women.
Statistically, men cause more accidents than women each year. However, companies are relying less on gender and more on driving history, which is why the cost difference is so minimal.
What happens to the rates when we combine age and gender? Find yourself in the table below.
Pueblo, CO Average Annual Auto Insurance Rates by Age and Gender
|Driver Demographics||Average Auto Insurance Rate|
|Married 60-year-old female||$2,541.32|
|Married 60-year-old male||$2,648.39|
|Married 35-year-old male||$2,750.59|
|Married 35-year-old female||$2,782.73|
|Single 25-year-old female||$3,056.49|
|Single 25-year-old male||$3,240.54|
|Single 17-year-old female||$8,352.69|
|Single 17-year-old male||$9,441.56|
For any man worried about paying more for auto insurance quotes in Pueblo, CO than women, check out what happens when you’re thirty-five. Men actually receive a better rate at that age.
Women aged sixty receive the lowest average auto insurance rates by gender and age monthly, which is common in most states.
However, this is only the tip of the iceberg. Much more goes into calculating auto insurance rates.
What ZIP codes have the cheapest auto insurance rates in Pueblo?
The spot where you park your automobile at night will have a major influence on your motor vehicle insurance rate. Auto insurance companies, therefore, do determine your auto insurance by ZIP code.
To fairly calculate insurance by ZIP codes, reviews of population density and crime rates are performed.
Look for your ZIP code in the following table to see how it might impact your rates.
|Pueblo, CO ZIP Code||Average Auto Insurance Rate|
Folks who have an 81005 ZIP code receive the lowest average rates. If your ZIP code is 81003, you’re paying the most in Pueblo.
Don’t worry too much. The difference between the lowest insurance ZIP codes and the highest auto insurance rates by ZIP codes is only seven dollars per month.
The city you live in also impacts your average rates. The following graph compares Pueblo’s rates to other major cities in Colorado.
Good news, Pueblo’s rates are lower than Denver, Colorado Springs, and Aurora.
Typically, motor vehicle insurance is cheaper in rural areas because there are fewer vehicles on the road, which means fewer chances of getting into an accident. In your case, Pueblo’s low population density helps you save money on auto insurance.
Which companies have the best auto insurance rates in Pueblo?
There are a lot of auto insurance places in Pueblo, CO for consumers to choose from, but who’s the best?
No one wants to pay the highest auto insurance rates by Pueblo standards. To secure lower auto insurance rates, we have to compare how companies calculate premiums.
Some companies might charge you more if you have bad credit but will offer accident forgiveness. Others may not care about credit but will present you with higher quotes if you have an extra-long commute.
Think about your needs as a driver. Do you have an at-fault accident on your record? Are you interested in a more comprehensive policy? Are you trying to insure a teenager?
Everybody will answer these questions differently. Therefore, the best company for you depends on your unique needs and circumstances.
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Cheapest Auto Insurance Rates by Company
Some companies will not be as active in your city than others, which means they will not be able to offer the most affordable rates.
Which companies provide the cheapest auto insurance in Pueblo, CO? Find out in the table below.
|Driver Age, Gender, and Marital Status||Liberty Mutual||Geico||USAA||State Farm||American Family||Nationwide||Progressive||Farmers||Allstate|
|Married 60-year-old female||$1,785.22||$2,317.48||$2,333.14||$2,179.72||$2,519.14||$2,512.11||$2,571.06||$3,085.42||$3,568.59|
|Married 60-year-old male||$1,970.33||$2,651.84||$2,345.36||$2,179.72||$2,519.14||$2,652.74||$2,563.16||$3,342.30||$3,610.95|
|Married 35-year-old female||$2,089.75||$2,154.07||$2,448.09||$2,398.14||$2,794.23||$2,806.55||$2,939.14||$3,399.66||$4,014.92|
|Married 35-year-old male||$1,970.11||$2,349.86||$2,447.64||$2,398.14||$2,794.23||$2,854.15||$2,756.52||$3,370.08||$3,814.55|
|Single 25-year-old female||$2,100.48||$1,961.33||$3,157.90||$2,691.81||$2,794.23||$3,231.79||$3,304.25||$3,708.11||$4,558.50|
|Single 25-year-old male||$2,101.54||$1,971.46||$3,447.44||$3,179.00||$3,417.97||$3,490.27||$3,211.60||$3,718.54||$4,627.01|
|Single 17-year-old female||$6,253.80||$6,663.77||$6,114.32||$7,111.94||$6,771.48||$7,116.31||$9,854.46||$12,801.81||$12,486.28|
|Single 17-year-old male||$6,813.19||$6,988.52||$7,025.24||$8,994.26||$9,095.97||$9,102.46||$11,010.37||$12,839.83||$13,104.20|
Liberty Mutual and Geico offer the best auto insurance in Pueblo, CO. On the other hand, rates from Farmers, Allstate, and Progressive auto insurance are all much higher than average.
Middling companies, like State Farm in Pueblo, might surprise you once you factor in things like your credit history and driving record. Try not to count them out too soon.
The following graph compares monthly rates from auto insurance companies in Pueblo, CO.
A low rate isn’t the only important part of your auto insurance policy. Before you choose a company, look into their customer support and service reviews. You want to choose a company that is both affordable and reliable.
Best Auto Insurance for Commute Rates
Believe it or not, a longer than average commute length can increase your auto insurance rates. The national average commute is twenty-five minutes.
According to DataUSA, the average drive to work in Pueblo takes only eighteen minutes.
What companies will increase your rates if you have a long commute? Find out in the table below.
Pueblo, CO Average Annual Auto Insurance Rates by Commute Length
|Companies||Average Rates for|
10 Miles Commute
6,000 Annual Mileage
|Average Rates for|
25 Miles Commute
12,000 Annual Mileage
Our front runner, Liberty Mutual, keeps rates the same regardless of how long your drive to work is. The same cannot be said about Geico or USAA.
Remember, USAA is a military insurance provider. Only active or retired military personnel and their families are eligible to use their services.
Definitely take advantage of comparison shopping if you have a longer commute and see how your quotes from a company like Geico differs from Liberty Mutual. The results may lead to your best rates.
Best Auto Insurance for Coverage Level Rates
There are times when the state’s minimum auto insurance requirements are enough, as many Pueblo drivers know. The city has mild year-round weather compared to the rest of the state.
However, if you own a newer vehicle, or if you’re leasing or financing your car, you might want to consider buying a higher coverage policy to protect your assets.
Find out how much extra coverage will cost you in the following table.
|Companies||Average Rates with Low Coverage||Average Rates with Medium Coverage||Average Rates with High Coverage|
Obviously, increasing your coverage will cost you more money. Most companies charge an extra two-hundred dollars annually for medium coverage and four-hundred dollars for high coverage.
If those extra charges fit in your budget, it could be the right choice for you. However, if you’re looking for cheap auto insurance, stick with the state minimum standards.
Take a look at the following graph, which compares the monthly rates for a basic policy versus a more comprehensive policy.
If you really need comprehensive coverage on a budget, you may consider raising your deductible. If you’re a safe driver with little chances of filing any major clams, raising your deductible can be an easy way to save money.
Otherwise, stick to the state minimum standards to receive cheap auto insurance in Pueblo, CO.
Best Auto Insurance for Credit History Rates
Let’s talk about credit history. If you have poor credit, you could end up paying twice as much for auto insurance.
Companies look at credit history as an example of financial responsibility. They charge higher rates for people with poor credit history as a way to protect themselves.
How much will your credit score affect your auto insurance premiums in Pueblo? Find out in the table below.
|Companies||Average Rates with Good Credit||Average Rates with Fair Credit||Average Rates with Poor Credit|
If you have fair credit, Liberty Mutual’s rates are still relatively low. For poor credit, look into Geico. Both companies offer the most affordable rates for people with imperfect credit history.
The following graph compares monthly rates of auto insurance for someone with excellent credit, versus someone with poor credit.
Remember, bad credit does not have to last forever. Find a rate that fits your budget and do your best to pay your premiums on time. It may help improve your credit score.
Best Auto Insurance for Driving Record Rates
Your driving history will impact your auto insurance rates. For insurance companies, your record as a driver proves how high or low risk you are to insure.
If you have a lot of traffic violations or at-fault accidents on your record, not only will your rates be higher but some companies may refuse to insure you altogether.
See how just one speeding violation can increase your rates in the table below.
|Companies||Average Rates with a Clean Record||Average Rates with 1 accident||Average Rates with 1 DUI||Average Rates with 1 Speeding Violation|
It may surprise you to learn that Liberty Mutual raises your rates more for a speeding violation than an at-fault accident. A serious infraction, like a DUI, can add an extra grand to your annual rates.
Take a look at the graph below, which shows how your monthly rates might increase after a driving violation.
If you do have a messy driving history, it can take a few years for the violations to fall off of your record.
Do your best to keep your driving record clean. Not only will you receive lower auto insurance quotes, but you might also qualify for safe driver discounts.
What affects auto insurance rates in Pueblo?
We’ve covered some of the factors that affect auto insurance rates. However, there’s still more to talk about before we can fully answer the question of how are auto insurance premiums calculated.
We know that auto insurance rating tiers are used to place you into the category of a low or high-risk driver. Low-risk drivers secure cheap auto insurance rates because they’re less likely to cause an accident.
But auto insurance quotes are also dependent on the city you live in. Companies want to know if the road conditions in Pueblo are safe. They also want to know what the crime rates are and how bad traffic congestion gets.
Keep reading to see if living in Pueblo is helping or hurting your overall auto insurance rates.
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Road Conditions in Pueblo
Poorly structured roads can cause more frequent accidents. If your city experiences a high rate of accidents, insurance companies will increase rates to mitigate the extra costs from all of the claims being filed.
Let’s take a look at the road conditions in the Colorado Springs region of Colorado, which includes Pueblo. Check out the table below.
|Road Type||Percent of All Roads|
Unfortunately, the road conditions around Pueblo are not the best. Over half of the roads in your area are in poor or mediocre condition. The vehicle operating costs are also fairly high at $702 annually.
Insurance companies will also look into how many fatal vehicle accidents there are in Pueblo, especially since the road conditions are not the best.
The following graph shows the number of vehicle fatalities from 2013.
The good news is that there haven’t been very many serious accidents in Pueblo in recent years. Living in an area with fewer serious accidents means insurance providers offer larger discounts on insurance policies.
Despite the imperfect road conditions, you’re still receiving lower rates because of the low rate of fatal accidents.
Vehicle Theft in Pueblo
Replacing a stolen vehicle is a huge cost for auto insurance companies. If you live in a city with high rates of vehicle theft, your auto insurance will increase as a result.
Let’s take a look at Pueblo’s crime rates to see how they impact your annual premiums. The following table features data recorded by the FBI from 2017.
Pueblo 2017 Crime Rates
|Type of Crime||Total Number Reported|
|Motor vehicle theft||1,228|
The number of vehicle thefts in Pueblo is much higher than the national average. In fact, vehicle thefts have been an ongoing issue for years in the city, which has increased auto insurance premiums.
KOAA 5 News covers the story in the following video.
To prevent your vehicle from being stolen and to help lower auto insurance rates, we recommend installing anti-theft devices in your vehicle. Some insurance companies might discount your annual rates due to the added safety features.
Of course, you should also be careful not to leave your keys in the ignition when you are not in your car.
According to City-Data, the crime rates in Pueblo are higher than 97.9 percent of American cities. Fortunately, there is a silver lining. Property crime rates over the past five years are steadily decreasing.
If crime continues to decrease, you may start to see decreases in your auto insurance rates as well. Until then, expect those rates to either rise or remain the same.
Traffic Congestion in Colorado
One wonderful advantage of your city is that there are very few traffic problems in Pueblo. The only way you’ll feel the effects of traffic congestion is if you drive to nearby Colorado Springs or another major city.
Intrix reports that Pueblo drivers only lost five hours to traffic congestion in 2019. By comparison, drivers in Colorado Springs lost fourteen hours, and folks in Denver lost sixty-three hours.
There isn’t much need to question how to reduce traffic congestion in your city. Rush hour traffic or occasional bad weather are some of the only causes of traffic congestion Pueblo experiences.
Road work and major accidents are rare causes of traffic jams, but they usually clear up quickly and naturally without impacting too many drivers.
Allstate America’s Best Drivers Report
Every year, Allstate America’s Best Drivers Report ranks the two hundred largest cities in America based on how safe their drivers are.
While Pueblo has never been considered for the list, other Colorado cities do make an appearance.
For 2019, Fort Collins ranked as the seventh safest city. Colorado Springs came in thirteenth place. Thornton made it to thirty and Lakewood came in at spot thirty-nine.
Denver ranked as eighty-third, which is pretty good for a large city. Aurora placed ninety-second.
Vehicle Model and Auto Insurance
If you drive a luxury vehicle, chances are your auto insurance rates will be higher than folks who have an economy car.
Not only do luxury vehicles cost more to replace or repair, but often owners of these cars opt for more comprehensive coverage.
See how much a luxury car will cost you for insurance versus a basic sedan in the graph below.
If your goal is to secure the most affordable auto insurance rates, a luxury vehicle may not be the right car choice for you. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
Enter your zip code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions: Pueblo Auto Insurance
You have now learned all of the tricks and tips for securing cheap auto insurance in Pueblo, CO. Refer back to this guide as much as needed while you comparison shop. Did you think of something we missed? Check out our frequently asked questions below.
#1 – Who has the cheapest auto insurance in Colorado?
According to our research, USAA offers some of the lowest rates in Colorado. However, in Pueblo, Liberty Mutual’s rates are lower than USAA.
Consider comparison shopping, otherwise, you’ll never know if companies like the General or Esurance can offer you cheaper rates.
#2 – How much is the average auto insurance in Colorado?
The average rate for auto insurance will change depending on what city in Colorado you live in. People in Denver pay more for auto insurance than people in Colorado Springs or Pueblo. In Pueblo, the average is $4,000.11 annually.
#3 – What are the minimum auto insurance requirements in Colorado?
You’re required to purchase twenty-five-thousand dollars per person and fifty-thousand per accident in bodily injury liability coverage.
You’re also required to purchase fifteen-thousand dollars for property damage liability coverage.
#4 – Why is auto insurance so expensive in Colorado?
Many factors impact auto insurance rates in a state, including crime rates, rates of fatal vehicle accidents, population density, and how safe drivers on the roads are.
#5 – What is the average price of auto insurance in Pueblo, CO?
On average, Pueblo residents pay $4,000.11 annually for auto insurance, however, comparison shopping and following our tips in this guide can help you secure a much lower rate.
#6 – Are there independent insurance agents in Pueblo, Colorado?
Yes, Pueblo, CO local auto insurance is available for you from Pueblo, CO insurance agents. Places like National Insurance and other independent agencies exist throughout the city.
Secure the cheapest auto insurance rates in Pueblo by entering your ZIP code into our FREE tool below.