Cheapest and Best Car Insurance in Pueblo, CO (July 2024)

Finding the most affordable or top-rated car insurance in Pueblo relies on your coverage choice and profile. For full coverage, Colorado Farm Burea offers the lowest rates, while families with teens find Kemper most economical, diverging from the lowest for minimum coverage by Colorado Farm Bureau. Excellence in customer service is led by Acuity, also named best overall, indicating a balance of price and service. Ultimately, your ideal pick hinges on individual needs and coverage preferences.

MoneyGeek found that Colorado Farm Bureau is the cheapest option in Pueblo for those in search of the cheapest car insurance. Here are the two most affordable providers for minimum coverage:

• Colorado Farm Bureau: $264 per year
• American National P&C: $269 per year

On the higher end, Farmers Union Insurance has the most expensive policy for minimum coverage in Pueblo, at $1,032 annually. That's a notable $768 more than the cheapest option.

In Colorado's bustling cities, including Pueblo, state law dictates the minimum car insurance coverages you must have:

• $25,000 bodily injury per person
  
• $50,000 bodily injury per accident
  
• $15,000 property damage liability per accident
  

To illustrate, if you have the minimum coverage and are found at fault in an accident, your policy would cover up to $25,000 for each injured person, up to a total of $50,000 for all injuries. If the total costs of the injuries exceed this limit, you would be responsible for paying the difference.

MoneyGeek found that Colorado Farm Bureau offers the cheapest option in Lexington-Fayette for minimum coverage car insurance. Find the cheapest car insurance and save on your premiums.

• Colorado Farm Bureau: $743 per year
• American National P&C: $776 per year

The most expensive minimum coverage policy in Lexington-Fayette is offered by Farmers Union Insurance costing $2,257 annually. This showcases an $800 difference compared to the cheapest option, underlining the significance of comparing car insurance quotes to ensure you're not overpaying.

At MoneyGeek, our exemplary Pueblo full coverage policy elevates liability limits beyond the basic coverage. Specifically, this plan provides $100,000 for bodily injury liability per individual, $300,000 for each accident, and a further $100,000 in property damage liability. Simplified, this is known as the 100/300/100 policy.

The comprehensive full coverage policy extends beyond increased liability limits and includes two significant types of insurance:

• Collision Insurance: This type of insurance is designed to cover repair or replacement costs if your vehicle is damaged in a collision, be it with another vehicle or an object like a fence or a pole.

• Comprehensive Insurance: Unlike collision insurance, comprehensive covers your vehicle in the event of non-accident-related incidents such as theft, vandalism, or natural disasters.

For those with a new vehicle, securing full coverage insurance is a smart move to protect your automotive investment against unforeseen damages. However, owners of older models may consider if the added cost justifies the benefits, as the premiums for such coverage can add a significant amount to your annual expenses.

When choosing your car insurance, the key is to find a balance between affordability and adequate protection to ensure you are not underinsured.

For drivers in Pueblo with a less-than-perfect driving record seeking full coverage, the most affordable options may vary by the type of traffic offense committed. For those in need of the cheapest company for drivers with a poor driving record, it's crucial to compare rates for specific incidents:

• Speeding Ticket: American National P&C ($884 per year)
• At-fault accident: Colorado Farm Bureau ($922 per year)
• DUI: Colorado Farm Cherry ($943 per year)

While these companies offer the lowest rates for their respective offenses, insurance costs may increase in correspondence with the severity of the violation.

Insurance premiums typically increase with the severity of a driving violation due to the higher risks insurers face. In Pueblo, for example, drivers with a DUI on their record can expect to pay an average annual rate of $3,128, whereas those with a speeding ticket face a lower rate, averaging $2,480.

MoneyGeek found that Kemper offers the most affordable full coverage car insurance for male and female teens in Pueblo. Here's a closer look at the cost-effective options:

• Kemper: $1,961 per year for female teens and $1,353 per year for male teens
• GEICO: $2,298 per year for female teens and $2,425 per year for male teens

These rates showcase premiums for a family policy that includes two parents and a teen driver. Farmers has the most expensive teen family policy in Pueblo, with an annual difference of $2,413 for females when compared to the cheapest provider, Kemper. This significant price variation underscores the mportance of comparing car insurance quotes when adding a high-risk teen driver to your policy.

In Pueblo and comparable locales, teen drivers will discover a striking cost disparity when securing auto insurance. On average, an individual annual premium for a teen costs approximately $7,029, which is starkly higher than the $3,224 average when added to a family plan. The substantial difference in rates stems from insurers viewing teens as high-risk drivers due to their limited driving experience and higher accident propensity.

MoneyGeek found that Colorado Farm Bureau is the cheapest option in Pueblo for cheapest car insurance for military backgrounds.

• Colorado Farm Bureau: $743 per year
• American National P&C: $776 per year

Although not the cheapest, USAA ranks third with an annual premium of $965. USAA's rates in Pueblo are higher than Colorado Farm Bureau and American National P&C, but keep in mind that USAA is renowned for its services that are tailored to meet the unique needs of active duty military members and veterans.

To help find the most economical car insurance rates in Pueblo use, the MoneyGeek car insurance calculator to get estimates. By inputting just a few key details, Pueblo drivers can quickly access tailored rate estimates and potentially significant savings.

Choosing the best auto insurance depends on your priorities in service quality, cost, coverage options and other variables. Based on MoneyGeek's assessments, the top insurance providers in Pueblo are categorized differently using specific scoring systems for each aspect:

• Best overall: Acuity (MoneyGeek score 89 out of 100)
• Best for service: Acuity (MoneyGeek score 96 out of 100)
• Best cheap: Acuity (MoneyGeek score 91 out of 100)

Acuity stands as the leading provider in Pueblo for overall value, top-notch service and affordability. If you're seeking a balanced blend of service and cost-effectiveness, Acuity's position as the best overall indicates strong performance in these areas.

MoneyGeek found that Acuity is the best option in Pueblo for those needing the best car insurance. The top providers are:

• Acuity: MoneyGeek score of 89 out of 100 ($1,355 per year)
• American National P&C: MoneyGeek score of 78 out of 100 ($776 per year)

Acuity distinguishes itself with the highest MoneyGeek score for car insurance policies in Pueblo. This accolade is reflected by impressive scores in both satisfaction and claims.

MoneyGeek found that Acuity is the best option for customer service in Pueblo's car insurance market, emphasizing customer general satisfaction, claims handling and coverages.

• Acuity: MoneyGeek score of 96 out of 100 ($1,355 per year)
• American Family: MoneyGeek score of 76 out of 100 ($1,962 per year)

Acuity is a top choice for those valuing service and coverage in their auto insurance provider.

MoneyGeek found that Acuity provides the best option in Pueblo for individuals seeking budget-friendly yet reliable car insurance. While the MoneyGeek score strongly considers affordability, it does not sacrifice the importance of claims processing and customer satisfaction, ensuring that customers are getting great value for their investment.

• Acuity: MoneyGeek score of 91 out of 100 ($441 per year)
• American National P&C: MoneyGeek score of 80 out of 100 ($269 per year)

Acuity offers an excellent balance between cost efficiency and service quality.

Residents of Pueblo, Colorado, have an average car insurance cost of $1,414. This is the same as the state average. Colorado's average insurance cost is notably less than the national average, with the national cost at $1,781.

Beyond geographical location, car insurance premiums are affected by a wide range marked by factors ranging from driving history to the type of car insured. However, location remains a significant underwriter of insurance rates due to variables like traffic density and accident rates. Within Colorado, MoneyGeek's analysis points to Denver as the most expensive city for car insurance with premiums at $1,546, and Fort Collins as the most affordable at $1,146.