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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 is about the same in Pueblo as it is in the rest of Colorado.
The expected monthly payments for an auto insurance policy in Pueblo are below the national average. The average monthly payment for the U.S. as a whole is about $9 more expensive than in Pueblo.
While these numbers are the average rates for auto insurance in Pueblo, that doesn't mean it's what you'll pay. There are numerous factors taken into consideration by insurance companies when deciding the rate you'll pay for coverage. The final dollar amount you'll be asked to pay each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Pueblo residents so that you can get a more accurate idea of what you might pay. And if you're not sure if you're getting the cheapest rate for your area, simply enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that the older you are, the more experience you have driving, right? When it comes to auto insurance rates, that experience can help put some change back into your pocket. As you can see, 18-24-year-olds pay significantly more than someone who is retirement aged.
You can expect to see your monthly premium drop about once a decade or so. Having said that, once you approach retirement your rates may begin to go back up in Pueblo.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Pueblo, although women do pay a little bit less on their monthly auto insurance coverage, the price is about the same for either group.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay significantly lower rates than those with accidents or violations. Drivers in Pueblo with a single accident will pay around $89 a month. Likewise, drivers with one ticket on their record will be looking at an average rate of around $76.
Accidents, tickets, and other driving infractions can really hurt your wallet. So, if cheaper car insurance is important to you, keep your record clean and drive safe.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$64|
|15 Years or Older||$68|
As you can see in the first table above, the cheapest vehicles to insure in Pueblo are typically trucks and vans, which run about $62 per month.
SUV drivers will see rates of about $79, while the rates for car owners average out to about $73 a month.
You can also expect to see slightly different rates depending on the age of your vehicle. Generally, newer vehicles are going to cost the most to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. In Pueblo, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$75|
Generally, those who have settled down into marriage will pay slightly less for auto insurance. This can usually be attributed to their policies having multiple vehicles, a factor many companies award special discounts for.
At a national level, married drivers usually pay less than single drivers for auto insurance. This holds true for Pueblo as well, where the difference is around $4 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$101|
Another factor that comes into play is your housing situation. In Pueblo, homeowners can expect to pay around $6 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
If you bundle your home or rental insurance and auto insurance policies, you 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
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
Auto insurance rates in Pueblo decreased from 2017-2020, before leveling out in 2021. They finished down in 2022, at $70 per month
How does Pueblo compare to neighboring areas?
Why are car insurance rates in Pueblo different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate numerous factors. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:
- Prevalence of crime
- Frequency of car accidents
- Regional laws
- Availability of off-street parking
- Number of drivers in the community
It's good to be aware of these factors (even though you may not be able to do much to influence them) as you shop for a new policy or consider relocating. With the knowledge 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 particular neighborhood.
How can I find the cheapest car insurance in Pueblo?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from the many car insurance companies offering auto coverage in Pueblo.
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Pueblo Insurance FAQs
What factors affect car insurance quotes in Pueblo?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your age and gender, as well as your credit score, address, marital status and driving record.
Why is the cost of car insurance in Pueblo different from other neighboring cities?
Things like local laws, parking situations, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Pueblo?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
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?
Not at all, in fact you can switch companies at any point, regardless of how much time is left on your current policy. If you're thinking about moving to Pueblo or haven't checked out the latest rates in your area for some time, it might be worth your while to take 10 minutes and see if Compare.com can save you any cash.
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