Cheapest Car Insurance Quotes In Pueblo, CO For 2024
In Pueblo, GEICO is recognized for offering the lowest price, charging around $27 per month on average.
In the quest for budget-friendly car insurance in Pueblo, Colorado, there’s a wide range of options to consider. However, one company, GEICO, stands out for its competitive pricing. On average, residents can expect to pay around $27 per month for car insurance with GEICO, significantly below the state average of $130.
For those interested in the most affordable liability-only coverage, GEICO is the top choice. Meanwhile, for drivers seeking comprehensive protection, GEICO offers the best rates for full coverage policies, averaging $57 a month. Additionally, USAA provides the cheapest rates for young drivers, coming in at $128 per month.
Cheapest Car Insurance Companies In Pueblo, CO
Our Methodology
Utilizing a comprehensive approach that considers factors like customer service ratings, available product options, pricing, and a meticulous examination of numerous online review platforms and user feedback, I've developed a thorough understanding of the car insurance provider landscape in Pueblo, Colorado. This perspective is informed by over 15 years of active engagement in the industry as a licensed insurance agent. Throughout this time, I've had numerous interactions with representatives from a variety of companies and have gained valuable insights from firsthand experiences.
Quotes Analyzed
Years Of Industrial Experience
Brands Reviewed
Research Hours
How Much Is Car Insurance In Pueblo, CO?
GEICO provides the most affordable car insurance in Pueblo, Colorado, with coverage available for $122 per month. A comparison with average rates across the State of Colorado and the entire United States demonstrates that GEICO’s rates are notably lower, as depicted in the table below:
| Area | Average Monthly Rate |
| National | $152 |
| Colorado | $130 |
| Pueblo, CO | $122 |
It’s important to note that the average national cost of car insurance encompasses a wide range of states with varying expense levels. This includes high-cost states like New York, New Jersey, and California, as well as low-cost states such as Mississippi, Kentucky, and Wyoming. Rates for car insurance can fluctuate significantly based on numerous factors, including the type of vehicle, level of coverage, specific zip code, driving history, and more. Therefore, it’s crucial for individuals to consider these variables when assessing insurance options and pricing in their particular location.
Cheapest Car Insurance Rates In Pueblo For Seniors
State Farm offers competitive rates for car insurance in Pueblo, Colorado, with an average monthly cost of $67. These rates are particularly appealing for seniors in the area, as they represent some of the lowest car insurance rates available.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $67 | $802 |
| GEICO | $92 | $1,095 |
| Progressive | $93 | $1,107 |
| Farmers | $101 | $1,213 |
| Kemper | $104 | $1,249 |
In Colorado, seniors may discover favorable car insurance rates influenced by various beneficial factors. While age often plays a role in determining insurance rates, it’s important to note that not all seniors experience diminished driving abilities as they age. Therefore, factors beyond age alone can influence insurance premiums for seniors in the state.
Cheapest Car Insurance Rates In Pueblo For Full Coverage
In Pueblo, GEICO offers the most affordable rates for full coverage car insurance, averaging around $57 per month. This makes GEICO a particularly attractive option for drivers seeking comprehensive coverage at a competitive price.
| Provider | Average Monthly Cost | Average Annual Cost |
| Progressive | $92 | $1,286 |
| GEICO | $57 | $682 |
| Farmers | $103 | $1,238 |
| Allstate | $80 | $958 |
| State Farm | $70 | $838 |
Full coverage car insurance extends beyond the basic legal requirements and typically combines comprehensive and collision coverages.
Comprehensive coverage offers protection against non-collision events such as theft, vandalism, or natural disasters. Collision coverage, on the other hand, provides financial security for vehicle damages resulting from accidents, regardless of fault.
Cheapest Car Insurance Rates In Pueblo For Minimum Coverage
In Pueblo, GEICO stands out as the most economical option for minimum coverage car insurance, with an average monthly cost of $27.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $27 | $322 |
| Progressive | $42 | $500 |
| Nationwide | $43 | $514 |
| State Farm | $48 | $574 |
| Kemper | $49 | $581 |
A minimum car insurance policy should typically include the following basic coverages:
- $25,000 for bodily injury per person
- $50,000 for bodily injury per accident
- $15,000 for property damage per accident
Maintaining minimum car insurance offers basic protection while driving, covering liabilities for injuries or damages you cause to others. However, it lacks collision or comprehensive insurance, leaving your own vehicle unprotected in accidents or incidents like theft and natural disasters.
In Colorado, driving without insurance is against the law. Failing to provide proof of insurance during a traffic stop can lead to penalties, including fines, license suspension, or more severe consequences.
Cheapest Car Insurance Rates In Pueblo For Teenagers
Teenage drivers in Pueblo have access to the most affordable car insurance quotes from Kemper, with average monthly premiums totaling $113.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $265 | $3,187 |
| GEICO | $193 | $2,315 |
| Kemper | $113 | $1,355 |
| Farmers | $354 | $4,112 |
| Allstate | $194 | $2,330 |
Teenage drivers typically encounter the highest car insurance premiums, primarily because of their lack of experience on the road. Insurance companies classify these young drivers as high-risk individuals due to statistical data indicating their increased likelihood of accidents and traffic violations.
Cheapest Car Insurance Rates In Pueblo For Young Adults
Young adults in Pueblo can secure the most affordable car insurance quotes from USAA, with rates averaging around $128 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Colorado Farm Bureau Mutual | $165 | $1,978 |
| Safeco | $175 | $2,098 |
| Allstate | $212 | $2,542 |
| USAA | $128 | $1,534 |
| State Farm | $145 | $1,738 |
In Colorado, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is linked to the development of driving habits and a decrease in risk-taking behaviors as drivers mature.
Statistically, young adults are less inclined to file insurance claims, indicating a decrease in accident involvement. As a result, insurers lower premiums, acknowledging the improved safety records and reduced likelihood of claims from these more experienced drivers.
Cheapest Car Insurance Rates In Pueblo For Good Drivers
GEICO offers the most affordable car insurance quotes for good drivers in Pueblo, with rates averaging approximately $27 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $27 | $322 |
| Progressive | $42 | $500 |
| Nationwide | $43 | $514 |
| State Farm | $48 | $574 |
| Kemper | $49 | $581 |
Cheapest Car Insurance Rates In Pueblo For Drivers With Prior Incidents
In Pueblo, drivers with a history of traffic violations, such as accidents, speeding tickets, or DUIs, often encounter challenges in securing affordable car insurance. These infractions lead insurance companies to classify them as high-risk drivers, implying a heightened likelihood of filing future insurance claims.
As a result, insurance providers raise their rates for these individuals to offset the risk of potentially higher claim payouts.
Cheapest Car Insurance Rates In Pueblo For Drivers With A Speeding Ticket
State Farm is known for its affordability compared to other insurance companies. On average, State Farm offers rates of $135 per month, making it an attractive option for many customers seeking cost-effective coverage.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $135 | $1,618 |
| Auto-Owners | $205 | $2,458 |
| Geico | $198 | $2,374 |
| Allstate | $270 | $3,238 |
| Progressive | $215 | $2,578 |
Cheapest Car Insurance Rates In Pueblo For Drivers With An At-Fault Accident
For drivers with an at-fault incident on their record, State Farm stands out as the provider offering the most affordable car insurance quotes. On average, State Farm offers rates of $140 per month, making it an appealing choice for those seeking cost-effective coverage despite past incidents.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $140 | $1,678 |
| Auto-Owners | $259 | $3,218 |
| Geico | $265 | $3,242 |
| American Family | $400 | $4,897 |
| Farmers | $555 | $6,717 |
Cheapest Car Insurance Rates In Pueblo For Drivers After A DUI
Progressive is recognized for providing the most affordable rates for drivers with a DUI on their record in Pueblo. On average, Progressive offers monthly premiums of $212, making it an advantageous option for drivers seeking affordable coverage despite past DUI incidents.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $325 | $3,898 |
| Auto-Owners | $327 | $3,922 |
| Progressive | $212 | $2,542 |
| Geico | $269 | $3,226 |
| Allstate | $320 | $3,838 |
Best Car Insurance Companies In Pueblo
For drivers in Pueblo, selecting the appropriate car insurance company entails both finding affordable rates and ensuring dependable protection while on the road. Listed below are the top 10 car insurance companies in Pueblo, CO, ranked according to the average monthly rate they offer.
| Company | Monthly Premium |
| Safeco | $157 |
| Metropolitan | $158 |
| National Farmers Union | $178 |
| Auto-Owners | $163 |
| NatGen Value | $158 |
| USAA | $103 |
| Allstate | $170 |
| State Farm | $109 |
| Colorado Farm Bureau Mutual | $118 |
| Nationwide | $163 |
Average Car Insurance Rates By Age In Pueblo
| Age | Average Yearly Rate |
| Teenagers | $2,880 |
| 20s | $1,848 |
| 30s | $1,368 |
| 40s | $1,320 |
| 50s | $1,236 |
| 60s | $1,068 |
| 70s | $1,320 |
Age plays a crucial role in determining car insurance rates. Typically, younger drivers, especially teenagers and young adults, encounter higher insurance premiums due to their lack of experience and statistically higher probability of accidents and traffic violations. As drivers reach the age of 25, their rates usually begin to decline, assuming they maintain a clean driving record.
The most advantageous insurance rates are often available for drivers in their 50s and early 60s. Insurance companies utilize age as a metric to assess driving experience and risk, which directly impacts the cost of premiums.
Average Car Insurance Rates By Vehicle Type In Pueblo
| Vehicle | Average Monthly Rate |
| Ford F150 | $72 |
| Chrysler Town & Country | $93 |
| Toyota Camry | $155 |
| Buick Encore | $121 |
| Chevrolet Equinox | $110 |
How Much Is Car Insurance For Other Cities In Colorado?
| City | Average Monthly Rate |
| Englewood | $125 |
| Fort Collins | $110 |
| Golden | $127 |
| Grand Junction | $95 |
| Arvada | $120 |
| Aurora | $150 |
| Boulder | $116 |
| Broomfield | $116 |
| Colorado Springs | $140 |
| Denver | $140 |
The city where you live plays a major role in determining your car insurance rates. Insurance companies evaluate various factors associated with your location, including the likelihood of accidents, vehicle theft, and vandalism rates, which are usually higher in urban areas. This heightened risk frequently results in higher premiums.
FAQs
Who has the lowest car insurance rates in Pueblo?
In Pueblo, the most affordable car insurance rates are provided by GEICO for both the minimum coverage required by the State of Colorado and for full coverage, which includes comprehensive and collision coverage.
What is the average cost of car insurance in Pueblo?
The average cost of car insurance in Pueblo is approximately $122 per month. However, it’s important to note that rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant details.
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