bestauto insurancePuebloCompare the Cheapest Car Insurance Quotes in Pueblo, CO
On average, the cost of car insurance in Pueblo is $1,518 per year. This cost is higher than the state average of $1,450 by 4.7%. According to MoneyGeek, the cheapest widely available car insurance provider in the city is GEICO, with an average annual cost of $852. Drivers looking for a car insurance policy that combines quality and affordability can use the MoneyGeek scores obtained across different coverage levels and driving profiles to find the best coverage.
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Advertising & Editorial DisclosureLast Updated: 1/9/2023
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MoneyGeek Team
In Pueblo, GEICO offers the cheapest car insurance, on average, for state-minimum and full-coverage insurance. This provider is also the most affordable option for drivers with a speeding ticket on their records.
For military members and their families, USAA offers the most affordable policies. MoneyGeek ranked State Farm as the best company in the city, which best balances affordability and customer service.
bestauto insurancePuebloThe Cheapest and Best Car Insurance in Pueblo
Methodology
MoneyGeek analyzed the best Pueblo auto insurance companies using J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC) data.
The Cheapest Car Insurance Companies in Pueblo
The most affordable options, on average, for drivers looking for a full-coverage policy in Pueblo are:
- GEICO: $852 per year
- Esurance: $1,094 per year
Members of the military, along with their families, can qualify for policies offered by USAA. This provider is the cheapest company in the city, with an average cost of $705 per year.
In Pueblo, GEICO offers the most affordable full-coverage policies — approximately 185% less expensive than comparable coverage offered by American Family — the most expensive company in the city. With full coverage, drivers also receive comprehensive and collision insurance. Costs vary depending on the level of liability insurance you select.
Cheapest Car Insurance in Pueblo
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$705
- 2.$852
- 3.$1,094
- 4.$1,177
- 5.$1,202
For this guide, MoneyGeek collected average rates for a 40-year-old male driver in Pueblo seeking a full-coverage policy, as defined on our methodology page.
Full coverage typically costs more than a state-minimum policy. However, a full-coverage policy offers added protection through comprehensive and collision insurance.
- Comprehensive Coverage: If your vehicle is damaged in any incident, including fire and theft, this coverage helps you pay for the repairs or replacement of your vehicle.
- Collision Coverage: This insurance covers the cost of vehicle repairs or replacement following an at-fault accident.
If you have an old car, a full-coverage policy's costs may exceed the actual value of your vehicle. In this case, consider a policy that meets state minimums only, which will cost significantly less.
Compare Car Insurance Rates in Pueblo
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Pueblo for Minimum Coverage
Drivers looking for the cheapest auto insurance in Pueblo should consider minimum coverage policies. MoneyGeek researched companies in the city that offer minimum-coverage policies. The most affordable providers are:
- GEICO: $344 per year
- State Farm: $560 per year
For drivers with a military background, USAA offers the most affordable coverage, at an average of $269 per year. In Pueblo, GEICO offers the cheapest minimum coverage policies which cost an average of $999 less than the policies offered by Progressive — the most expensive company in the city.
While a minimum-coverage policy costs less, it does not include comprehensive or collision insurance. A policy that only meets state minimums has low levels of liability coverage, leaving you at risk of being underinsured after an accident.
Toggle the table below to see how costs change with different coverage levels.
Cheapest Minimum Liability Car Insurance in Pueblo
State Minimum
- CompanyState Minimumper year
- 1.$269
- 2.$344
- 3.$560
- 4.$623
- 5.$665
In Colorado, all drivers must have an auto insurance policy with at least 25/50/25 in liability limits. While having a minimum coverage policy helps you save money on your monthly insurance costs, you would have to pay more out of pocket in case of an accident.
For example, if an accident results in the other party’s medical bills totaling $50,000 — you would have to pay the remaining $25,000 yourself.
Colorado Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Pueblo if You Have Driving Violations
Drivers with a violation like a DUI, speeding ticket or an at-fault accident on their record typically see their car insurance rates increase. MoneyGeek's analysis revealed the cheapest companies in Pueblo, depending on each of these violations:
- Cheapest After a Speeding Ticket: GEICO, $1,084 per year
- Cheapest After an At-Fault Accident: State Farm, $1,363 per year
- Cheapest After a DUI: State Farm, $1,270 per year
Military members with a speeding ticket or an at-fault accident on your record, along with their families, can purchase the most affordable policies from USAA.
Drivers who have a bad driving record can lower their rates over time by improving their driving habits. Meanwhile, these drivers can shop around to compare rates from different companies to find the best deal.
Cheapest Car Insurance in Pueblo With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$858
- 2.$1,084
- 3.$1,270
- 4.$1,298
- 5.$1,314
Average Cost of Car Insurance in Pueblo
Pueblo$1,518
Colorado$1,450
U.S.$1,424
According to MoneyGeek, the average cost of car insurance in Pueblo is slightly higher than the state and national average. Drivers in the city pay $1518 per year on average, which is 4.7% higher than the state average and 6.6% higher than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Pueblo
Several factors contribute to the cost of car insurance in Pueblo. They include your ZIP code, age, driving experience, gender and car model. By comparing personalized insurance quotes from different providers, you can easily land the best rates in the city. Make sure you do this regularly so that you do not miss out on discounts and other special offers.
Compare Car Insurance Rates in Pueblo
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Pueblo
MoneyGeek ranked the top carriers in Pueblo based on average premiums, claims ratings and customer satisfaction to discover the best auto insurance companies in the city.
The top two auto insurance providers in Pueblo are:
- GEICO: 87 out of 100
- State Farm: 85 out of 100
In addition, USAA achieved a perfect MoneyGeek score of 100 out of 100, making it the best auto insurer in Pueblo. However, we did not include the company in our list because they only serve military personnel and their families.
1
GEICO
Score:87
In addition to earning top scores for stability, claims and customer satisfaction, GEICO offers accident forgiveness insurance as a unique add-on protection. In Pueblo, GEICO insurance with full coverage costs an average of $852 per year.
More About GEICO
In Pueblo, GEICO offers four different coverage choices to improve your insurance. If your GEICO auto insurance coverage offers accident forgiveness, for instance, your rate will not rise due to your first at-fault accident. You may acquire or earn accident forgiveness coverage if you are at least 21 years old and accident-free for at least five years.
GEICO also offers roadside assistance and mechanical breakdown protection. The former may help pay for services like flat tire repair, towing and lockouts, while the latter can cover the cost of components and systems at a lower cost than a dealer's extended warranty.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:85
State Farm received an outstanding score for affordability, customer satisfaction and claims. State Farm offers rideshare insurance. The annual average cost of State Farm auto insurance is $1,177.
More About State Farm
State Farm's rideshare insurance ensures that the medical, emergency roadside assistance and rental vehicle reimbursement coverages of your personal policy remain in effect while you work for a ridesharing company.
In addition to the standard coverage provided by the State Farm insurance policy, Pueblo drivers may benefit from extra coverage options. For example, State Farm roadside assistance coverage includes up to one hour of labor for mechanical service, towing, delivery of gas, oil, battery or tire change and locksmithing.
Read MoneyGeek's State Farm auto Insurance Review3
Allstate
Score:76
4
Travelers
Score:73
5
Nationwide
Score:71
6
Esurance
Score:65
7
Farmers
Score:59
8
MetLife
Score:45
9
American Family
Score:44
10
Progressive
Score:24
Average Cost of Car Insurance by Postal Code
The average cost of car insurance in Pueblo also varies depending on your ZIP code. If you stay in a neighborhood where accidents and theft rates are high, you are likely to pay more for your car insurance. Based on MoneyGeek’s scores, there is a difference of $85 between the cheapest and most expensive neighborhoods in Pueblo. ZIP code 81005 has an average annual car insurance rate of $1,476 per year, while ZIP code 81001, which is the most expensive, has a rate of $1,561 per year.
- Zip CodeState Minimumper year
- 81005$1,476
- 81001$1,561
Factors That Impact Insurance Costs in Pueblo
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Pueblo. How Pueblo ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
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