Best cheap car insurance in Pueblo

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Distracted driving is a problem in Pueblo and other areas of Colorado, with an estimated 85% of drivers in the state admitting to driving while distracted every day. Because of the risk of accidents occurring with distracted drivers, drivers in Pueblo should make sure to have a car insurance policy in place before getting behind the wheel.

For the nearly 110,000 residents of Pueblo, Colorado, car insurance rates are higher than the national average. The average premium for minimum coverage in Pueblo is $606 per year while full coverage costs on average $2,323 per year. These rates are higher than the average Colorado rates of $518 annually for minimum coverage and $2,016 annually for full coverage. However, there are ways to help lower your insurance costs without sacrificing valuable coverage.

Best car insurance companies in Pueblo

Finding the best car insurance companies in Pueblo requires evaluating and comparing several factors. Third-party rankings, average premiums, discounts available, customer satisfaction scores and claims experience were all considered when determining the best companies. Bankrate used Quadrant Information Services to acquire up-to-date premium information for car insurance companies in Pueblo.

Based on our research, the following companies are the best auto insurance providers in Pueblo, Colorado.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
American Family 862 / 1,000 $1,099 $3,070
Auto-Owners 890 / 1,000 $495 $1,967
Geico 871 / 1,000 $326 $1,224
State Farm 881 / 1,000 $601 $1,936

Quadrant Information Services, 2020

American Family

Although their premiums are the highest on our list and higher than average in Pueblo, American Family makes up for the 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. Discounts include safe driving, defensive driving, low mileage, good student, paperless statements and more. However, the company did receive a below-industry-average score in the 2020 J.D. Power U.S. Auto Claims Satisfaction Study.

Auto-Owners

Auto-Owners offers a unique benefit to policyholders. 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. The company also claimed the third-place spot in the 2020 J.D. Power U.S. Auto Claims Satisfaction Study, meaning that policyholders are generally satisfied with its claims service.

Geico

Geico offers the cheapest car insurance prices on our list for both minimum coverage as well as full coverage. In addition to low premiums, the company is known for offering a multitude of discounts to policyholders. You may be able to save up to 15% for insuring a new car, for example, or up to 23% if you have an anti-theft system on your vehicle.

Customers who want to manage their policies digitally may want to consider Geico for their insurance needs. The company’s website and mobile app allow policyholders to file claims, pay bills and print ID cards. The app has over 2.6 million reviews on the App Store and is rated 4.8 out of 5.0.

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 to learn to practice safe driving habits.

Cheapest car insurance in Pueblo

Pueblo’s average annual cost for car insurance is $2,323 for full coverage and $606 for minimum coverage. Pueblo drivers pay more than the statewide average annual premium in Colorado, which is $518 for minimum coverage and $2,016 for full coverage. For comparison, the national average cost of car insurance is $1,674 per year for full coverage and $565 per year for minimum coverage.

To determine the cheapest car insurance options in Pueblo, we analyzed average annual premiums from the top 25 companies by market share.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
Geico $326 $1,224
USAA $340 $1,418
Farmers $474 $1,893
Auto-Owners $495 $1,967
MetLife $594 $2,845

Pueblo drivers may want to consider more than just price when shopping for auto insurance. Although finding cheap auto insurance may be a priority, other factors such as financial strength, customer service rankings, coverage offerings and available discounts may be worth taking into consideration.

Pueblo insurance requirements

Drivers in Colorado must carry at least a minimum amount of liability coverage to satisfy state requirements. The minimum required car insurance amounts in Colorado are:

  • $25,000 bodily injury per person
  • $50,000 bodily injury per accident
  • $15,000 property damage

Although minimum coverage may mean that you pay lower premiums, having higher liability limits might be worth the extra cost. If you cause an accident and the bills for the damage and injuries that you cause to the other party are higher than your state minimum limits, you will be responsible for the difference out of pocket.

You might also want to consider full coverage to provide coverage for the damage to your vehicle. If you have a loan or lease on your vehicle, your lender will likely require you to carry full coverage.

Car insurance discounts in Pueblo

With higher-than-average car insurance costs, drivers in Pueblo may want to take advantage of discounts to lower their premiums. Although every company offers its own selection of discounts, there are some common options that can be found with most companies. Consider some of these discounts, which can have a significant impact on your premiums:

  • Advanced quote discount: If you get a quote before your current insurance policy expires, you may be eligible for an advanced quote discount.
  • Automatic payment discount: If you allow your insurance company to automatically take your payment from your bank account or charge it to your credit card each month, you might get a discount on your premium.
  • Good driving discount: If you do not have any tickets or accidents for several years, you could be eligible for a good driving discount. The number of years your record needs to be clean will vary by company.
  • Multi-policy discount: If you insure your car and other insurance products, like your home or life insurance, with the same company, you may be able to save money with a multi-policy discount.

Frequently asked questions

What is the best car insurance company in Pueblo?

We found the best car insurance companies in Pueblo to be American Family, Auto-Owners, Geico and State Farm. However, since everyone has different needs, the best car insurance company will be unique to each driver. When shopping for car insurance, consider a company’s financial strength, customer service reviews and claims handling in addition to price to find the best option for you.

How much does car insurance in Pueblo cost?

Auto insurance premiums are higher-than-average in Pueblo compared to other areas of Colorado and the U.S. The average cost for car insurance in Pueblo is $606 per year for minimum coverage. For full coverage, Pueblo drivers pay an average of $2,323 per year. Your premiums will vary based on factors like your age, the type of car you drive and your coverage selections.

How much car insurance do I need in Pueblo?

You will need to carry at least the Colorado state minimum limits of 25/50/15 in order to drive legally. However, 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. A licensed insurance professional may be able to help you determine how much coverage is appropriate for your unique situation.

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 coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.