How to find the cheapest car insurance in Pueblo
On average, car insurance in Pueblo costs $96 per month for minimum liability coverage, or about $150 per month for full-coverage insurance. Pueblo drivers pay 6% less Colorado’s state average.
Smart car insurance shoppers in Pueblo, Colorado turn to Jerry, because Jerry makes it easy for customers to compare and purchase affordable car insurance.
Below are some of the cheapest car insurance quotes for customers in Pueblo.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Dairyland | $97 | 34 | 81005 | Gmc Acadia Slt-1 | State Minimum | No |
| Mendota | $41 | 33 | 81005 | Ford Ranger | State Minimum | No |
| Bristol West | $204 | 32 | 81004 | Subaru Forester 2.5X Limite | State Minimum | Yes |
| Trexis | $329 | 42 | 81004 | Nissan Altima S | State Minimum | Yes |
| Trexis | $92 | 55 | 81004 | Chevrolet Cruze Ls | State Minimum | No |
Best Car Insurance Companies in Pueblo
There’s no “one-size-fits-all” model for car insurance—and no single company can offer the best (and cheapest) car insurance quotes for every driver.
State Farm, Progressive, USAA, and GEICO have the largest market shares in Colorado and may offer the most competitive rates for Colorado drivers.
But bigger isn’t always better! State Farm is often named the cheapest car insurance company in Colorado—but in our survey, State Farm was rated just 2.6 out of 5.0 for cost.
Which insurers got the best ratings among Colorado drivers? Safe Auto, Farmers, Safeco, and Bristol West all performed well, with average ratings above 4.5 for both policy cost and customer service.
Check out how real Jerry users rated various insurance companies below:
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Geico | 4.3 | 3.8 | 3.2 | 4 |
| Progressive | 4.1 | 4.2 | 3.4 | 4.2 |
| Liberty Mutual | 4 | 3.4 | N/A | 4.4 |
| Farmers | 3.7 | 4.3 | N/A | 4 |
| State Farm | 3.2 | 2.8 | 3.8 | 4.1 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Pueblo
To legally hit the road in Pueblo, Colorado, drivers are required to carry set amounts of liability insurance. But minimum liability may not offer enough financial coverage in the event of an accident—so drivers in Puebloshould consider purchasing full coverage for the best protection.
Cheap minimum liability insurance quotes in Pueblo
The state minimum coverage or minimum essential coverage in Colorado follows a 25/50/15 pattern—that means you need at least $25,000 per person and $50,000 per accident in bodily injury liability coverage, as well as $15,000 for property damage liability coverage per accident.
With this basic liability coverage, you’ll be protected up to your policy’s limits if you are responsible for injuries or property damage while driving.
Do you need more than minimum coverage in Pueblo?
Colorado has fairly average liability insurance coverage requirements. But most drivers need more than the 25/50/15 state minimum.
In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the state’s 25/50/15 limit—especially if you cause serious injuries to another person. A totaled vehicle could cost well above $15,000, while medical bills can quickly exceed $25,000.
Moreover, Colorado car accident laws set the statute of limitations for personal injury lawsuits to three years after a crash–so your liability will extend long after the actual incident passes.
The bottom line: For better financial protection, consider upgrading your liability coverage limits to 50/100/50 or even 100/300/100 liability coverage. Better yet, invest in a full-coverage policy.
Cheap full coverage car insurance quotes in Pueblo
Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your own vehicle.
Full coverage policies include comprehensive and collision coverage, in addition to your liability coverage.
- Collision coverage helps cover the costs of repairs if your vehicle is damaged in an accident with another vehicle or stationary object (such as a tree or road sign.
- Comprehensive coverage helps cover costs associated with non-collision incidents, such as theft, vandalism, falling objects, or hail.
If you have a car loan, your lender will likely require you to have coverage for physical damages—that is, collision and comprehensive coverage.
Check out what real Jerry users paid for various levels of coverage below:
|
Liability Limits
|
Has Full Coverage
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
|---|---|---|---|---|---|---|
| State Minimum | No | Dairyland | $97 | 34 | 81005 | Gmc Acadia Slt-1 |
| State Minimum | No | Mendota | $41 | 33 | 81005 | Ford Ranger |
| State Minimum | Yes | Bristol West | $204 | 32 | 81004 | Subaru Forester 2.5X Limite |
| State Minimum | Yes | Trexis | $329 | 42 | 81004 | Nissan Altima S |
| State Minimum | No | Trexis | $92 | 55 | 81004 | Chevrolet Cruze Ls |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.
Jerry, a top insurance agency, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Pueblo
Based on Jerry’s work with drivers in Pueblo, we’ve found that the average annual cost minimum liability coverage is $1,152 each year. That works out to about $96 per month. For full coverage, Pueblo drivers typically pay $1,800 per year or $150 per month.
While average insurance rates can help you predict your own insurance costs, it’s important to note that every driver’s insurance premium is calculated differently.
Car insurance companies look at many different factors when calculating your annual premiums, including your demographics, driving record, and discount eligibility—so your actual insurance costs could vary significantly from the state averages.
Average cost of car insurance in Pueblo by zip code
Even within the same city, car insurance rates can still vary.
That’s because the rate of car accidents, auto theft, and other incidents often differs among neighborhoods—and areas that experience higher rates are consequently considered higher risk. As a result, drivers living in these neighborhoods could face higher premiums than drivers in other areas.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 81001 | $78 | $187 |
| 81003 | $95 | $192 |
| 81004 | $53 | $202 |
| 81005 | $62 | $200 |
| 81006 | $117 | $207 |
| 81007 | $79 | $253 |
Car insurance quotes in Pueblo by rating factors
Insurance companies in Pueblo use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Accidents, tickets, or other traffic violations on your driving record could result in higher premiums.
- Your age: Teen and senior drivers often face the highest insurance premiums, as these age groups are considered high-risk among insurers.
- Your vehicle: Liability coverage could cost more for popular models. Collision and comprehensive coverage costs more for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Your annual mileage can play a role in what you pay for coverage. Insurance companies often charge more when you put more miles on your car.
Cheap car insurance quotes in Pueblo after driving violations
Your driving history has a significant impact on car insurance rates. Violations on your record can drive up the cost of your annual premiums, especially if you have serious infractions.
Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Pueblo after speeding ticket
While your rates might not go up much for a single minor speeding ticket, if you’re ticketed for going well over the speed limit or you receive multiple speeding tickets in a short time, you’ll likely notice your rates going up.
But even if your rates do go up due to a speeding ticket, Jerry may still be able to help you find cheap insurance in Estes Park, CO.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Minor | Bristol West | $204 | 32 | 81004 | Subaru Forester 2.5X Limite | State Minimum | Yes |
| Speeding Violation-Minor | The General | $126 | 26 | 81005 | Chevrolet Cruze Lt | State Minimum | No |
| Speeding Violation-Minor | Progressive | $58 | 67 | 81004 | Chevrolet S Truck S10 | State Minimum | No |
| Speeding Violation-Major | The General | $335 | 34 | 81003 | Hyundai Accent Gls | State Minimum | Yes |
| Speeding Violation-Minor | Bristol West | $290 | 32 | 81007 | Nissan Pathfinder Le | State Minimum | No |
Cheapest car insurance in Pueblo after DUI
Drivers with a DUI are considered high-risk, which results in steep increases to your annual premium.
Car insurance rates can also vary dramatically between insurance providers when you have a DUI on your Colorado driving record—so comparing rates is the best way to find the most affordable option after a DUI offense.
The good news is, Jerry has helped many drivers in Pueblo obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Pueblo after an at-fault accident
Insurance companies look at previous at-fault accidents on your record to determine how much of a risk you pose to insure.
If you have an at-fault accident on your Colorado driving record, you could see a steep increase in your insurance rates when your policy is up for renewal.
Check out what Jerry drivers paid for car insurance after various types of accidents below:
|
Accident type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Not At Fault | Trexis | $329 | 42 | 81004 | Nissan Altima S | State Minimum | Yes |
| At Fault With No Injury | Progressive | $136 | 39 | 81005 | Honda Pilot Touring | State Minimum | Yes |
| Not At Fault | Kemper | $285 | 47 | 81001 | Nissan Leaf S | State Minimum | Yes |
| Not At Fault | Bristol West | $107 | 31 | 81007 | Ford Escape Se | State Minimum | No |
| At Fault With No Injury | Progressive | $37 | 34 | 81005 | Toyota Corolla L | State Minimum | No |
Cheapest car insurance in Pueblo after other driving violations
Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation.
Here are some examples of how Jerry has helped other Pueblo drivers find cheap car insurance despite previous violations.
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Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Other Major | Trexis | $122 | 35 | 81003 | Ford Taurus Gl | State Minimum | No |
| Failure to show documents | Dairyland | $222 | 45 | 81006 | Toyota Rav4 Sport | 50/100 | Yes |
| Other Major | Dairyland | $84 | 52 | 81003 | Bmw 330 Xi | State Minimum | No |
| Driving on Sus. License | Safeco | $145 | 48 | 81001 | Mercedes-Benz Gla 250 4Matic | State Minimum | No |
| Driving on Sus. License | The General | $264 | 24 | 81008 | Chevrolet Cruze Lt | State Minimum | Yes |
Cheap car insurance quotes in Pueblo by age
Generally speaking, the golden bracket for low car insurance costs belongs to drivers between the ages of 25 and 75. Whether you’re a teenage driver or senior driver who falls outside these bounds, here’s how to make the most of your age.
Cheapest car insurance in Pueblo for young drivers
Drivers between the ages of 16 to 19 pay the highest insurance premiums of any age bracket in the Centennial State, in large part due to their limited driving experience.
Cheapest car insurance in Pueblo for senior drivers
Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies.
This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
Cheap car insurance quotes in Pueblo based on insurance history
Your insurance history—i.e., whether you have car insurance or not—also plays a role in determining the price of your premium.
Generally, the longer you have been insured, the lower your car insurance premium should be. Insurers look at your record to determine if you’ve had a lapse in insurance—and, depending on the duration, a lapse in insurance coverage could lead to being labeled a “high-risk driver,” resulting in higher premiums.
Cheap car insurance quotes in for drivers with poor credit
Drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though credit scores don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.
Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
|
Credit Score
|
Insurance Company
|
Monthly Quote
|
Age
|
Zip Code
|
Car Make Model Trim
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 550-659 | Dairyland | $97 | 34 | 81005 | Gmc Acadia Slt-1 | State Minimum | No |
| 550-659 | Mendota | $41 | 33 | 81005 | Ford Ranger | State Minimum | No |
| 550-659 | Bristol West | $204 | 32 | 81004 | Subaru Forester 2.5X Limite | State Minimum | Yes |
| 550-659 | Trexis | $329 | 42 | 81004 | Nissan Altima S | State Minimum | Yes |
| 550-659 | Trexis | $92 | 55 | 81004 | Chevrolet Cruze Ls | State Minimum | No |
Cheap car insurance quotes in Pueblo for popular cars
Your vehicle’s make and model also influence how much you pay for car insurance. The cheapest cars to insure have low repair costs, great security systems, and excellent safety ratings.
Some of the most popular models among Colorado drivers include the:
- Ford F-150
- Chevy Silverado
- Toyota Tacoma
- Subaru Outback
See how Jerry helps drivers save when insuring these models and others in Colorado.
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Ford F-150 Supercrew | The General | $402 | 25 | 81004 | State Minimum | Yes |
| Subaru Outback Limited | Progressive | $149 | 34 | 81004 | 100/300 | No |
| Ford F-150 | Progressive | $255 | 29 | 81001 | 100/300 | Yes |
| Ford F-150 Supercrew | Progressive | $166 | 40 | 81006 | 100/300 | Yes |
| Toyota Tacoma Access Cab | Progressive | $196 | 41 | 81004 | State Minimum | Yes |
Cheapest car insurance in Pueblo for new vs. old car
New cars are typically more expensive to insure than older ones. We have found that the average insurance cost for a car older than 10 years is $130 per month in Pueblo.
Alternatively, the average cost of insuring a car that’s less than four years old increases to $150 per month in Pueblo.
How to lower car insurance costs in Pueblo
1. Shop around and compare quotes
Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place.
To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers. Commonly available discounts for Colorado drivers include:
- Good driver discounts: Drivers with a clean driving record and claims-free insurance history typically enjoy lower rates—and often receive discounts anywhere from 10% to 30% off their insurance premiums.
- Telematics discounts: Many providers offer discounts to drivers who use telematics to monitor their driving habits. You might even get a discount just for enrolling!
- Good student discounts: Full-time high school and college students that maintain a B average or higher may qualify for a discounted car insurance rate.
- Bundling discounts: Bundle your home and auto insurance (or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, opting for a higher deductible can help keep your monthly expenses low without sacrificing coverage.
FAQ
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
