Pueblo, CO Car Insurance

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How much does auto insurance cost in Pueblo?

 

Car insurance costs an average of $2,183 per year in Pueblo. That's more than the average across Colorado ($1,757) and more expensive than the national average of $1,548. Our guide to Pueblo car insurance includes average rates based on age, credit score, driving history, and marital status. Keep reading to learn more!

 
PUEBLO AUTO INSURANCE PREMIUMS
Pueblo Average (annual)Colorado AverageNational Average
$2,183$1,757$1,548
 
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Pueblo car insurance rates by company

 

One of the most important determinants of your car insurance rates is the insurance company you work with. In Pueblo, USAA offers the cheapest premiums for the typical insurance buyer. See below the best companies for cheap auto insurance in Pueblo — but don't forget to get personalized car insurance quotes to match your driving profile.

 
PUEBLO AUTO INSURANCE RATES BY COMPANY
Insurance CompanyAverage Rate (annual)
USAA$1,245
GEICO$1,249
State Farm$1,563
Allstate$2,222
Farmers$2,321
 

Consult our expert guide to finding the best cheap car insurance.

 
 

 

Car insurance rates by age bracket in Pueblo

The age group that enjoys the lowest auto insurance rates in Pueblo are drivers in their age_60s, who pay an average of $1,922per year. Drivers in their age_50s pay marginally higher rates — $1,927 per year.

Teenage drivers pay Pueblo's most expensive insurance rates. When drivers hit their 20s in Pueblo and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Pueblo is $4,411, the largest such difference between any two age groups.

 
CAR INSURANCE RATES BY AGE TIER IN PUEBLO
AgeAverage Yearly Rate
Teenagers$7,117
20s$2,706
30s$2,129
40s$2,057
50s$1,927
60s$1,922
70s$2,194
 

Learn more about the impact of age on car insurance premiums.

 
 

 

Pueblo auto insurance costs by marital status and gender

 

Marital status and gender are contributing factors to car insurance rates in many cases. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Pueblo pay $142 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Pueblo, insurance rates for those who are widowed are less expensive than rates for those who are single.

Another component of auto insurance pricing is gender. In Pueblo, the gulf in car insurance costs between genders is $5 per year, with male drivers paying more than female drivers.

 
PUEBLO CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Gender/Marital StatusAverage Annual Rate
Female$2,178
Male$2,183
Single$2,041
Married$2,041
Divorced$2,183
Widowed$2,090
 

Learn more about how gender and marital status have on auto insurance rates.

 
 

 

Pueblo auto insurance costs by accident and violation history

 

No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.

Two of the most costly citations to receive are DUI and reckless driving. Pueblo drivers found guilty of reckless driving face insurance rate increases of $703 per year, compared to the citywide average. A DUI violation may lead to a $656 increase, while a citation for speeding leads to a $351 rate hike.

 
PUEBLO CAR INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
IncidentAverage Annual Rate
DUI/DWI$2,840
Reckless Driving$2,886
At-fault Accident (damages less than $1,000)$2,668
At-fault Accident (damages > $2,000)$2,973
Speeding Ticket (16-20 mph over speed limit)$2,534
 

Learn more about how citations can raise your auto insurance rates.

 
 

 

Pueblo car insurance rates by credit level

 

It's no secret credit score is closely correlated with car insurance rates. In fact, Pueblo drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 58% decrease in car insurance rates. If you move from the "Very Poor" credit tier to the "Fair" credit tier, you could be in line for an auto insurance price adjustment. In Pueblo, moving into the "Fair" credit tier corresponds to an average of $1,588 in savings on insurance each year.

 
PUEBLO CAR INSURANCE RATES BY CREDIT LEVEL
Credit ScoreAverage Yearly Rate
Very Poor$4,245
Fair$2,656
Good$2,183
Very Good$1,990
Exceptional$1,801
 

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.

 
 

 

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Ross Martin LinkedIn

As a licensed insurance agent, Ross is responsible for researching and writing about all matters related to auto and home insurance. He has a background in writing and education, as well as a master's degree from Royal Holloway, University of London. He has been quoted by CNET, iDriveSafely.com, and Kin Insurance.