Cheapest Car Insurance In Pueblo, CO 2025
State Farm offers the most affordable minimum coverage car insurance in Pueblo, with an average monthly cost of $43.
We’ve saved shoppers an average of $600 per year on their car insurance.
Finding the most affordable car insurance in Pueblo, CO, can be challenging, as prices vary widely.
For drivers needing the lowest-cost liability coverage, State Farm comes out on top. Those seeking full coverage at the best price will also find State Farm to be the most budget-friendly option. However, when it comes to young drivers, Safeco provides the most affordable rates.
Cheapest Car Insurance In Pueblo, CO
Cheapest Liability-only Car Insurance In Pueblo: State Farm
State Farm offers the most affordable minimum coverage car insurance in Pueblo, with an average monthly rate of $43.
Check the table below to see how rates compare across various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $60 | $720 |
| USAA | $62 | $744 |
| State Farm | $43 | $516 |
| Nationwide | $76 | $912 |
| GEICO | $69 | $828 |
Cheapest Full Coverage Insurance Rates In Pueblo: State Farm
State Farm offers the lowest rates for full coverage car insurance in Pueblo, with an average monthly cost of $98.
Refer to the table below for a comparison of average quotes from budget-friendly insurers in Pueblo.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $119 | $1,428 |
| American Family | $133 | $1,596 |
| Root | $138 | $1,656 |
| State Farm | $98 | $1,176 |
| GEICO | $142 | $1,704 |
Cheapest Car Insurance Rates For Seniors: USAA
USAA offers the most affordable car insurance for seniors in Pueblo, with an average monthly rate of $92.
The table below provides a comparison of average quotes from the lowest-cost insurers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| NatGen Value | $100 | $1,200 |
| State Farm | $95 | $1,140 |
| Metropolitan | $117 | $1,404 |
| Colorado Farm Bureau Mutual | $98 | $1,176 |
| USAA | $92 | $1,104 |
Cheapest Rates In Pueblo For Teenagers: Colorado Farm Bureau Mutual
Teenage drivers in Pueblo can get the most affordable rates from Colorado Farm Bureau Mutual, with average monthly premiums of $203.
Check the table below for a comparison of the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $235 | $2,820 |
| Colorado Farm Bureau Mutual | $203 | $2,436 |
| State Farm | $328 | $3,936 |
| Dairyland Auto | $310 | $3,720 |
| NatGen Value | $227 | $2,724 |
Cheapest Auto Insurance For Young Adults in Pueblo: Safeco
Safeco provides the most affordable car insurance for young adults in Pueblo, with an average monthly rate of $135.
Refer to the table below to compare the lowest insurance rates available for young adults in Pueblo.
| Provider | Average Monthly Cost | Average Annual Cost |
| USAA | $172 | $2,064 |
| National Farmers Union P&C | $251 | $3,012 |
| Safeco | $135 | $1,620 |
| Colorado Farm Bureau Mutual | $177 | $2,124 |
| State Farm | $190 | $2,280 |
Cheapest Car Insurance In Pueblo For Good Drivers: State Farm
State Farm offers the lowest car insurance rates for good drivers in Pueblo, with an average monthly cost of $45.
Check the table below to compare average quotes from the most budget-friendly insurance providers for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $60 | $720 |
| USAA | $56 | $672 |
| Allstate | $73 | $876 |
| State Farm | $45 | $540 |
| GEICO | $71 | $852 |
Find Affordable Pueblo Rates
Cheapest Car Insurance In Pueblo After A Speeding Ticket: State Farm
State Farm stands out as an affordable option in Pueblo, offering average rates of $65 per month for drivers with a speeding ticket.
Refer to the table below to compare average rates for drivers with a speeding violation.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $85 | $1,020 |
| USAA | $81 | $972 |
| Nationwide | $102 | $1,224 |
| GEICO | $96 | $1,152 |
| State Farm | $65 | $780 |
Cheapest For Drivers With After At-Fault Accident: State Farm
State Farm provides the most affordable car insurance rates for drivers who have caused an accident, with an average monthly cost of $70.
Below are the car insurance companies offering the lowest prices for drivers with an at-fault accident in their history.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $96 | $1,152 |
| Progressive | $109 | $1,308 |
| State Farm | $70 | $840 |
| American Family | $88 | $1,056 |
| USAA | $83 | $996 |
Cheapest Rates In Pueblo For Drivers After A DUI: State Farm
State Farm offers the most affordable car insurance for drivers in Pueblo after a DUI, with average monthly premiums of $78.
Below is a list of the car insurance companies providing the lowest rates for Pueblo drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $133 | $1,596 |
| American Family | $105 | $1,260 |
| USAA | $92 | $1,104 |
| Root | $115 | $1,380 |
| State Farm | $78 | $936 |
Best Car Insurance Companies In Pueblo
State Farm offers the most affordable car insurance for drivers in Pueblo, with an average monthly rate of $117. USAA and GEICOare also worth considering, with rates of $120 and $128 per month, respectively.
The following list ranks the top 10 car insurance companies in Pueblo, CO, based on their average monthly premiums.
| Company | Monthly Premium |
| State Farm | $117 |
| USAA | $120 |
| GEICO | $128 |
| American Family | $135 |
| Colorado Farm Bureau Mutual | $149 |
| Metropolitan | $168 |
| Kemper Premium | $175 |
| Allstate | $185 |
| Auto-Owners | $189 |
| Safeco | $197 |
Average Auto Insurance Rates In Pueblo- By Age
Age plays a major role in determining car insurance rates. Younger drivers generally face higher premiums because they lack experience and are statistically more likely to have accidents or traffic violations. Teen drivers can expect to pay about $3,840 annually for car insurance.
Once drivers hit 25, their rates typically start to drop, provided they have a clean driving record.
Drivers in their 50s and early 60s often receive the most competitive rates, as insurance companies view them as more experienced and less risky.
| Age | Average Yearly Rate |
| Teenagers | $3,840 |
| 20s | $2,460 |
| 30s | $1,740 |
| 40s | $1,596 |
| 50s | $1,488 |
| 60s | $1,440 |
| 70s | $1,584 |
Average Rates In Pueblo- By Vehicle
The make and model of your car have a major impact on your insurance premiums. Factors like the car’s year, body type, and features are considered by insurance companies when calculating rates. Generally, newer cars, especially luxury models with advanced tech and higher replacement costs, come with higher insurance premiums.
The table below shows the average car insurance rates in Pueblo for different types of vehicles.
| Vehicle | Average Monthly Rate |
| KIA Forte | $352 |
| Nissan Versa | $230 |
| Toyota Camry | $156 |
| Chevrolet Cruze | $187 |
| Ford Fusion | $95 |
How Much Is Car Insurance In Other Cities in Colorado?
Where you live has a significant impact on your car insurance premiums. Insurance companies consider factors such as the likelihood of accidents, theft, and vandalism in your area, which tend to be higher in cities. This increased risk typically leads to higher insurance costs.
For instance, drivers in Englewood pay about $150 per month for car insurance, while those in Fort Collins have an average rate of $121 per month.
| City | Average Monthly Rate |
| Englewood | $150 |
| Fort Collins | $121 |
| Golden | $153 |
| Grand Junction | $116 |
| Arvada | $130 |
| Aurora | $179 |
| Boulder | $124 |
| Broomfield | $140 |
| Colorado Springs | $171 |
| Denver | $165 |
Average Cost Of Auto Insurance In Pueblo- By Zip Code
Zip codes are used by insurers to assess crime rates in specific areas, which directly affect car insurance premiums. As a result, insurance rates vary by zip code.
The table below shows the average car insurance rates for different zip codes in Pueblo.
| Zip Code | Average Monthly Rate |
| 81001 | $122 |
| 81003 | $140 |
| 81004 | $134 |
| 81005 | $156 |
| 81006 | $180 |
Find Affordable Pueblo Rates
Our Methodology
Drawing upon a comprehensive analysis that encompasses multiple facets such as customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experience, I've crafted an in-depth view of the landscape of car insurance providers in Pueblo, CO.
Quotes Analyzed
Years Of Industrial Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Pueblo?
State Farm offers the most affordable car insurance rates in Pueblo, both for the minimum coverage required by the State of Colorado and for full coverage, which includes comprehensive and collision insurance.
What is the average cost of car insurance in Pueblo?
The average car insurance cost in Pueblo is around $156 per month. However, rates can differ depending on factors like your zip code, car make and model, driving history, and other personal details.
