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Best cheap car insurance in Pueblo

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Finding the cheapest insurance rates in Pueblo could be important to you, but determining which carrier offers affordable rates with superior coverage and benefits might also be a consideration. The cheapest car insurance company in Pueblo is Geico, according to Bankrate’s 2021 study of quoted annual premiums provided by Quadrant Information Services. But we went a step further and also examined which car insurance companies with cheap rates also offer additional value to customers.

Car insurance rates in Pueblo are higher than the national average, with the average premium for minimum coverage at $606 per year, while full coverage costs an average of $2,323 per year, or $194 per month. However, there are ways to help lower your insurance costs without sacrificing valuable coverage – or good service. Insurance agents often recommend taking a complete approach by researching several factors, rather than only the provider with the cheapest rates.

Best cheap car insurance companies in Pueblo

Geico, State Farm, Auto-Owners and American Family have the cheapest rates in Pueblo according to Bankrate’s study of Quadrant rates. To find the cheapest and best car insurance companies in Pueblo, we evaluated and compared several factors. Third-party rankings, average premiums, available discounts, customer satisfaction scores and claims experience were all considered when determining the best companies and assigning a Bankrate Score. The Bankrate Score is based on a five-point scale and provides a comprehensive look at an insurance provider, instead of focusing only on cheap rates.

Insurance company Bankrate Score J.D. Power customer satisfaction score
Southwest region
Average annual premium for full coverage Average annual premium for minimum coverage
Geico 4.7 829/1,000 $1,224 $326
State Farm 4.7 847/1,000 $1,936 $601
Auto-Owners 4.5 N/A $1,967 $495
American Family 4.3 850/1,000 $3,070 $1,099

Geico

Geico offers the cheapest car insurance prices on our list for both minimum and full coverage. In addition to low premiums, the company is known for offering a multitude of potential discounts to policyholders, including insuring a new car or for installing an anti-theft system.

Although coverage options with Geico are limited compared to other insurance providers, customers who want to manage their policies digitally may want to consider the company for their car insurance needs. The company’s website and mobile app allow policyholders to file claims, pay bills and print ID cards.

Learn more: Geico Insurance review

State Farm

One of the best features that State Farm has to offer is local agents who can assist with your insurance needs. The “Find an Agent” tool on its website makes it easy to find a local agent near you who may be familiar with the specific insurance needs in your area.

State Farm is noteworthy for offering two safe driving programs, Steer Clear for teen drivers and Drive Safe & Save for adults. Both programs could reduce your car insurance premiums if you qualify, and help you or your teen driver learn to practice safer driving habits.

Learn more: State Farm Insurance review

Auto-Owners

Auto-Owners offers a unique benefit to policyholders and has some of the cheapest rates for minimum coverage among our list of providers. If you are involved in an accident with someone who is also insured with Auto-Owners, the company could waive your collision deductible, so you may not have to pay your deductible to get your vehicle fixed if you are at fault.

In addition to the collision waiver feature, Auto-Owners offers plenty of optional coverages to allow you to customize your policy, including diminished value coverage, gap insurance and road trouble service. Although Auto-Owners has more limited customer service hours compared to other companies, policyholders are generally satisfied with its customer service according to its J.D. Power scores.

Learn more: Auto-Owners Insurance review

American Family

Although their premiums are the highest on our list and higher than the average in Pueblo, American Family makes up for its higher premiums with auto insurance policies featuring plenty of optional coverages. Optional coverages include gap insurance and accidental death and dismemberment coverage.

The company also offers discounts that policyholders may be able to use to lower their premiums. Potential discounts include safe driving, defensive driving, low mileage, good student, paperless statements and more.

Learn more: American Family Insurance review

How to get and keep the cheapest car insurance in Pueblo

There are a couple of tips to keep in mind as you are looking for cheap car insurance companies in Pueblo:

  • Compare multiple insurance providers. Premiums vary from one provider to the next for the same coverage options and levels, sometimes by hundreds of dollars. By taking time to compare multiple quotes, you can easily see which providers are the cheapest car insurance companies for your needs.
  • Maintain safe driving habits. Not only do safe driving habits make it safer for you and others while you are on the road, but they could help you save even more money on premiums. By enrolling in a defensive driving or telematics program, you might earn lower rates. Ask your insurance agent if your company offers any of these programs to see if they are right for you.

Frequently asked questions

What is the best car insurance company?

The best car insurance company will be unique to each driver. When shopping for car insurance, you might want to consider a company’s financial strength, customer service reviews and claims handling in addition to price to find the best option for you. These qualities will start to stand out to you as you research and compare multiple providers.

How much car insurance do I need in Pueblo?

You will need to carry a state-prescribed minimum amount of car insurance to drive legally in Colorado. However, the minimum amount required may not be enough to protect your finances in the event of an accident and will not cover damage to your own vehicle. You might want to consider how much your car is worth and whether you have the finances to pay for repairs or to replace your vehicle if it is damaged or totaled. If not, you may want to consider increasing your liability limits or additional coverages for added financial protection.  A licensed insurance professional may be able to help you determine how much coverage is appropriate for you.

Methodology

Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Bankrate Score

Bankrate Scores primarily reflect a weighted rank of industry-standard ratings for financial strength and customer experience in addition to analysis of quoted annual premiums from Quadrant Information Services, spanning all 50 states and Washington, D.C. We know it is important for drivers to be confident their financial protection covers the likeliest risks, is priced competitively and is provided by a financially-sound company with a history of positive customer support.

To determine how well the best car insurance companies satisfy these priorities, third-party agency ratings from J.D. Power, AM Best, S&P, NAIC, and Moodys had the most impact on the companies’ Bankrate Scores. As price is a common consideration for drivers, we analyzed quoted premiums based on 40-year-old male and female drivers with a 2019 Toyota Camry. This profile, assessed across more than 35,000 ZIP codes in the U.S., provided a basis on which drivers may compare each provider.

While coverage options, insurer availability, affordability and customer experience are often the top priorities, Bankrate also analyzed each insurer’s online and mobile resources for policy management and claims handling. Insurance is rapidly evolving to keep pace with our digital world, so these aspects also carried weight in determining Bankrate Scores.

Written by
Sara Coleman
Former Insurance Contributor
Sara Coleman is a former insurance contributor at Bankrate. She has a couple of years of experience in writing for insurance domains such as The Simple Dollar, Reviews.com, Coverage.com and numerous other personal finance sites. She writes about insurance products such as auto, homeowners, renters and disability.
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