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How much is car insurance in Pueblo?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price in Pueblo is in line with pricing for the rest of Colorado.
When viewed against the average rates for the rest of the U.S., auto insurance coverage in Pueblo is rather affordable. The average monthly payment in Pueblo is about $8 cheaper than the rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Pueblo, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect the final amount you'll be charged for coverage each month.
We've analyzed the average rate for Pueblo and broken down the different factors to help you understand what your policy's monthly premium will be. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
The longer you've been behind the wheel, the more experienced of a driver you are. That experience can lead to some serious savings when it comes to auto insurance bills. As you can see, 18-24-year-olds pay two times as much as drivers 65 and older.
You can expect to see your monthly premium drop about once a decade or so. Once you hit retirement, however, your rates may creep back up in Pueblo.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Pueblo, however, men actually pay a little bit less than female drivers for car insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Rates can change drastically depending on your driving record. Drivers with clean records can expect to pay a lot less than those with accidents or violations. In Pueblo, a driving record with a single accident will usually get you a rate around $85 a month. In addition, drivers with one ticket can expect to pay around $113 a month on average.
Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$69|
The most affordable vehicles to insure in Pueblo are usually trucks and vans, which run about $64 per month.
Car owners will see a monthly premium of about $71, while SUV owners typically pay around $82 a month.
The age of your vehicle has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Pueblo, vehicles four-to-five years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
Despite married couples normally paying less than single drivers for auto insurance, the rates for both groups in Pueblo are on par with each other.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$102|
Another factor that comes into play is your housing situation. Renters can expect to pay around $6 a month more than those who own their own home in Pueblo. Those who live with their parents, however, can expect to pay a lot more.
Bundling your home or rental insurance with your auto insurance can oftentimes reduce your average premiums, depending on your insurance company.
Car Insurance Companies in Pueblo, CO
Recent trends in car insurance for Pueblo drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before picking an insurance policy.
The rates for auto insurance in Pueblo increased from 2016-2017, before turning downward from 2018-2020. They finished up in 2021 at $78 per month.
How does Pueblo compare to neighboring areas?
Why are car insurance rates in Pueblo different from other areas?
Car insurance companies will take into account a number of factors when deciding how much to charge for a policy. The specifics of where you call home will have an impact on your personal policy. This might include things like:
- Number of drivers in the community
- General road safety (how many accidents each locality has)
- Off-street parking accessibility
- Rate of crime
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Realizing that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your corner of the world.
How can I find the cheapest car insurance in Pueblo?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Don't worry, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from numerous car insurance companies offering coverage in Pueblo.
Pueblo Insurance FAQs
What factors affect car insurance quotes in Pueblo?
Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your address, credit score, driving record, and marital status.
Why is the cost of car insurance in Pueblo different from other neighboring cities?
Local laws, parking situations, and crime rates -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.
Which car insurance company will offer me the cheapest rate in Pueblo?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Pueblo?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. You can switch companies at any time, regardless of how long is left on your current policy. So, if you've recently moved to Pueblo or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.