Pueblo, CO Car Insurance
Compare Progressive, Allstate, GEICO and Nationwide (+ other top companies) to find the best and cheapest car insurance in Pueblo.
How much does auto insurance cost in Pueblo?
Car insurance costs an average of $1,091 per six-months in Pueblo. That's more than the average across Colorado ($1,757) and more expensive than the national average of $880. Our guide to Pueblo car insurance includes average rates based on age, credit score, and other factors in Pueblo. Read on to learn more!
| Car insurance in Pueblo vs. Colorado | Average 6 Mo. Premium |
|---|---|
| Pueblo average | $1,091 |
| Colorado average | $878 |
The Zebra's key takeaways about car insurance in Pueblo:
- The average cost of a car insurance policy in Pueblo is $1,091 per six-month policy — $181 per month.
- The cheapest company in Pueblo is USAA ($523).
- 39% of Zebra customers in Pueblo stated they used our product because they were paying too much for car insurance with their current provider.
Are you paying too much for auto insurance?
Pueblo car insurance rates by company
One of the most important determinants of your car insurance rates is the insurance company you work with. In Pueblo, USAA offers the cheapest premiums for the typical insurance buyer. See below the best auto insurance providers for cheap insurance in Pueblo — but don't forget to get personalized car insurance quotes to match your driving profile.
| Company | Avg. 6 Mo. Premium |
|---|---|
| USAA | $622 |
| GEICO | $624 |
| State Farm | $781 |
| Allstate | $1,111 |
| Farmers | $1,160 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
The only way to know which company is the cheapest coverage for you is to compare. Our comparison will do the leg work for you. Enter your ZIP code to see rates from Progressive, State Farm, GEICO and USAA (+ other top companies) to find the best and cheapest car insurance in Pueblo.
Pueblo auto insurance rates by age
Our data tells us that drivers between the ages of 20-29 make up 25% of Pueblo drivers. The age group that enjoys the lowest auto insurance rates in Pueblo are drivers in their 60s, who pay an average of $961 per six-months. Drivers in their 50s pay marginally higher rates — $963 per six-months.
Teenage drivers pay Pueblo's most expensive insurance rates. When drivers hit their 20s in Pueblo and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Pueblo is $4,411, the largest such difference between any two age groups.
| Age bracket | Avg. 6 Mo. Premium |
|---|---|
| Teenagers | $6,556 |
| 20s | $1,353 |
| 30s | $1,064 |
| 40s | $1,028 |
| 50s | $963 |
| 60s | $1,097 |
| 70s | $1,097 |
Pueblo car insurance rates by credit score
It's no secret credit score is closely correlated with car insurance rates. In fact, Pueblo drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 58% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Pueblo, moving into the "Fair" credit tier corresponds to an average of $794 in savings on insurance every six-months.  Our data tells us 39% of drivers in Pueblo have a credit score of average (580-679).Â
| Credit Tier | Avg. 6 Mo. Premium |
|---|---|
| Very Poor | $2,122 |
| Fair | $1,328 |
| Good | $1,091 |
| Very Good | $995 |
| Exceptional | $900 |
Pueblo car insurance costs by violation
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Pueblo drivers found guilty of reckless driving face insurance rate increases of $703 per year, compared to the citywide average. A DUI violation may lead to a $656 increase, while a citation for speeding leads to a $351 rate hike.
| Incident | Avg. 6 Mo. Premium |
|---|---|
| DUI/DWI | $1,420 |
| Reckless Driving | $1,443 |
| At-fault Accident (damages less than $1,000) | $1,334 |
| At-fault Accident (damages > $2,000) | $1,486 |
| Speeding Ticket (16-20 mph over speed limit) | $1,267 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.