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 Average||National Average|
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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 Company||Average Rate (annual)|
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
|Age||Average Yearly Rate|
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 Status||Average Annual Rate|
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
|Incident||Average Annual Rate|
|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|
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 Score||Average Yearly Rate|