Pueblo Car Insurance

The Zebra
May 30, 2018

Car Insurance in Pueblo

Premiums in Pueblo are 12% greater than Colorado's average, which is why the city is recognized for its costly premiums. Who doesn't like to save money? Check out some tips below about how to save on car insurance in Pueblo.

  • City Average: $1,607
  • State Average: $1,435
  • National Average: $1,427

Pueblo Car Insurance by Gender and Marital Status

In Pueblo, marital status and gender can influence your car insurance premiums. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Being married can save you $94 per year compared to being single. Premiums for men and women typically deviate by 2%, with men paying less.

  • Female: $1,644
  • Male: $1,607
  • Single: $1,607
  • Married: $1,513
  • Divorced: $1,607
  • Widowed: $1,541

Pueblo Car Insurance by Age

With car insurance payments of $6,020 on average, teenage drivers have the largest premiums amongst all the age groups. Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance payments among any age group, with rates of $1,473/year. People in their 60s ($1,485) also have relatively low premiums. Drivers in Pueblo see the greatest decrease in premiums when they reach their 20s, as they pay an average of $3,867 less after moving out of the teenage age range. In Pueblo, turning 60 means an increase in insurance rates. Up until then, transitioning between age groups means decreasing prices.

  • Teenagers: $6,020
  • 20s: $2,152
  • 30s: $1,580
  • 40s: $1,555
  • 50s: $1,473
  • 60s: $1,485
  • 70s: $1,770

Pueblo Car Insurance by Accident or Violation History

Do you realize how much an accident or violation history can cost you in terms of car insurance premiums? In Pueblo, individuals who are found at-fault in an accident spend $704 more than the city average on car insurance each year. Generally, a DUI in Pueblo will cost you 49% more in car insurance premiums versus the city average ($1,607). Reckless driving will drive your rates up as well, with average rates of $2,380. That is 48% higher than the city average.

  • DUI: $2,391
  • Reckless Driving: $2,380
  • At-fault Accident (damages less than $1000): $2,311
  • At-fault Accident (damages greater than $2000): $2,311
  • Speeding Ticket (16-20 mph over speed limit): $1,933

Pueblo Car Insurance by Credit Rating

For individuals with Very Poor credit (300-579), as opposed to Exceptional credit (800-850), car insurance premiums nearly triple. Drivers will see the largest percent drop in premiums when they raise their credit from Good (670-739) to Very Good (740-799). That change can save them 20% per year.

  • Very Poor: $3,177
  • Fair: $2,635
  • Good: $2,127
  • Very Good: $1,711
  • Exceptional: $1,401

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