Best Pueblo, CO Auto Insurance in 2024 (Check Out the Top 10 Companies Here)

State Farm, Geico, and Allstate offer the best Pueblo, CO auto insurance, with rates as low as $65 monthly. State Farm is the best choice because of its comprehensive coverage and top-notch customer support. Geico is the best option for drivers on a limited budget because of its affordable rates, but Allstate excels in providing individualized care through local agent support.

When you compare auto insurance companies, you’ll find the best coverage tailored to your needs and budget. It’s important to review these options carefully to make an informed decision.

Our Top 10 Company Picks: Best Pueblo, CO Auto Insurance

Ready to get the cheapest rates on Pueblo, CO auto insurance? Enter your ZIP code into our free tool above to get started.

#1 – State Farm: Top Overall Pick

Pros

• Reliable Coverage for Auto Insurance: State Farm is known for providing consistent, reliable car insurance that offers peace of mind to local car owners in Pueblo, Colorado.
• An Extensive Network of Agents: Pueblo car owners get personalized auto insurance help through a large network of agents.  Read our State Farm auto insurance review to find out more.
• Wide Range of Coverage Options: State Farm offers various car insurance coverage types, including liability, collision, and comprehensive, catering to the diverse needs of Pueblo car owners.

Cons

• Higher Rates for Auto Insurance Than Competitors: State Farm’s car insurance premiums in Pueblo, Colorado, tend to be more expensive, especially for full coverage.
• Average Customer Satisfaction for Claims: Some Pueblo car owners may find that State Farm’s claims process is slower than expected compared to other car insurance providers in Colorado.

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#2 – Geico: Best for Competitive Rates

Pros

• Competitive Auto Insurance Rates: Geico offers some of the lowest car insurance rates, making it a budget-friendly choice for Pueblo car owners.
• Superior Financial Stability: Geico’s A++ rating ensures Pueblo car owners can count on prompt and reliable claim payouts when needed. Explore more in our Geico auto insurance review.
• Easy-To-Use Online Tools: Geico’s robust mobile app and online tools make managing auto insurance policies quick and convenient for Pueblo car owners.

Cons

• Limited Personal Interaction: Pueblo car owners seeking face-to-face customer service may find Geico’s lack of local offices in Colorado a drawback for their car insurance needs.
• Fewer Customization Options: Geico’s standardized policy options may not provide the personalization some Pueblo drivers want in their auto insurance.

#3 – Allstate: Best for Local Agents

Pros

• Local Agents Offering Personalized Insurance Service: Allstate has a large network of agents that can provide direct, in-person assistance to Pueblo residents with their auto insurance coverage.
• Comprehensive Coverage Options: Allstate offers several options in Pueblo, including new car replacement and accident forgiveness for Pueblo drivers.
• Strong Financial Backing: Pueblo car owners can trust Allstate to process and pay claims in a timely manner. Read our Allstate auto insurance review to find out more.

Cons

• Higher Premiums for Full Auto Insurance Coverage: Pueblo car owners may discover that Allstate’s auto insurance costs are higher than those of other Colorado providers.
• Discount Availability May Vary: Pueblo residents may only be eligible for fewer discounts than other Colorado insurers, such as those for safe driving.

#4 – Progressive: Best for Innovative Tools

Pros

• Innovative Digital Tools: Progressive’s Name Your Price service in Pueblo allows car owners to customize their auto insurance to suit them and still stay on budget.
• Extensive Discount: Progressive offers Pueblo drivers several savings options, such as bundles, safe driving, and the snapshot program. Discover more with our Progressive auto insurance review.
• Customizable Auto Insurance Policies: Pueblo drivers can adjust coverage levels and options while achieving a great balance of price and protection in Colorado.

Cons

• Mixed Customer Service Reviews: Some Pueblo residents may find Progressive’s customer service inconsistent, especially when dealing with auto insurance claims.
• Higher Rates for High-Risk Drivers: Pueblo car owners with a poor driving record may face higher premiums with Progressive than other auto insurers in Colorado.

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#5 – Farmers: Best for Customizable Policies

Pros

• Customizable Car Insurance Policies: Farmers offers Pueblo car owners in Colorado custom coverage with perks like decreasing deductibles and accident forgiveness.
• Strong Financial Rating for Insurance Claims: Farmers guarantee Pueblo consumers can depend on timely payments for vehicle insurance claims in Colorado.
• Wide Range of Discounts Available: Pueblo car owners can save with discounts such as bundling, safe driver, and multi-car options. Learn more with our Farmers auto insurance review.

Cons

• Higher Premiums for Basic Car Insurance Coverage: Pueblo car owners may discover that Farmers’ auto insurance costs are somewhat higher than the state average.
• Limited Mobile App Features:  The Farmers mobile app may let some Pueblo car owners down because it lacks all the features other Colorado auto insurance carriers have.

#6 – Liberty Mutual: Best for Unique Benefits

Pros

• Unique Auto Insurance Benefits: Pueblo drivers with Liberty Mutual can add some features to increase or replace their existing protection.
• Competitive Bundling Discounts: Pueblo car owners in Colorado who combine their auto insurance with homeowners’ or renters’ insurance can save up to a substantial amount.
• Customizable Coverage for Car Owners: Pueblo residents can customize their Liberty Mutual policies with options like accident forgiveness and roadside assistance.

Cons

• Higher Premiums for Additional Coverage: Some owners may find that Liberty Mutual’s auto insurance in Pueblo is more costly if they want extra benefits like new car replacements.
• Mixed Customer Service Experiences: Some Pueblo car owners have reported inconsistent customer service with Liberty Mutual, especially when managing car insurance claims.

#7 – Mercury: Best for Many Discounts

Pros

• Wide Range Discounts: Pueblo car owners can reduce their auto insurance costs with Mercury’s myriad of discount options, which include good driver, multi-policy, and multi-car discounts.
• Affordable Auto Insurance Rates: Mercury is a cost-effective choice for car owners in Pueblo, Colorado, because it has a reputation for having some of the lowest auto insurance rates.
• Solid Financial Standing: Mercury’s A rating ensures car owners in Pueblo, Colorado, can rely on timely claim payments. Expand your understanding with our Mercury auto insurance review.

Cons

• Limited Coverage Options: Compared to other large insurers, Mercury may offer fewer options for auto insurance in Pueblo, Colorado, especially regarding comprehensive and specialty coverage.
• Limited Digital Tools: Mercury’s digital offerings might not be as user-friendly as those of other companies for Pueblo, Colorado, residents who would rather handle their auto insurance online.

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#8 – Nationwide: Best for Deductible Options

Pros

• Wide Deductible Options: Nationwide offers various options in Pueblo, Colorado, for car owners to customize their insurance coverage. Elevate your knowledge with our Nationwide auto insurance review.
• Strong Financial Stability: Because of Nationwide’s A+ rating, customers in Pueblo, Colorado, may rest easy knowing that their vehicle insurance claims will be handled promptly and effectively.
• Comprehensive Discounts: Nationwide offers various reductions to help lower the cost of auto insurance in Pueblo, Colorado, including discounts for anti-theft devices and safe driving.

Cons

• Higher Premiums for Full Coverage: Pueblo car owners may pay more with Nationwide than with other Colorado insurers for comprehensive coverage.
• Less Personalized Customer Service: Some Pueblo drivers might discover that local Colorado auto insurance companies provide more individualized service than Nationwide.

#9 – Travelers: Best for Industry Experience

Pros

• Extensive Industry Experience: Travelers have a long history in auto insurance, making it a reliable choice for car owners seeking trustworthy coverage in Pueblo, Colorado.
• Excellent Financial Stability: Travelers’ A++ rating guarantees Pueblo, Colorado, drivers efficient and reliable auto insurance claim handling. Learn more about our Travelers auto insurance review.
• Discounts for Eco-Friendly Vehicles: Pueblo car owners with hybrid or electric cars can take advantage of insurance discounts, which can help reduce premiums in Colorado.

Cons

• Limited Digital Tools: Travelers lack the robust digital platforms that many car owners in Pueblo, Colorado, may prefer for managing their auto insurance policies online.
• Fewer Discounts for Young Drivers: Young Pueblo drivers may find fewer savings opportunities with Travelers, as its discounts cater less to younger Colorado policyholders.

Pros

• Senior-Friendly Auto Insurance: The Hartford provides advantages like RecoverCare to help after accidents, making it perfect for older drivers. The Hartford serves senior drivers in Pueblo, Colorado.
• Robust Financial Capability for Insurance Claims: The Hartford’s A+ rating guarantees car owners in Pueblo, Colorado, can count on prompt and dependable claim payments.
• Special Savings for AARP Members: The Hartford offers exclusive auto insurance discounts for seniors in Pueblo through AARP partnerships. Explore further with our The Hartford auto insurance review.

Cons

• Limited Attractiveness to Younger Pueblo Drivers: The Hartford’s primary target market is seniors, which can deter younger Pueblo drivers from choosing its auto insurance.
• Higher Premiums for Non-Senior Drivers: When comparing The Hartford’s vehicle insurance rates to those of other providers, Pueblo car owners who are not seniors may find their rates higher.

When searching for auto insurance in Pueblo, Colorado, it’s important to compare the rates and coverage offered by several insurance companies to make the best choice for your needs. The table includes detailed coverage and pricing information from top insurers like State Farm, Geico, and Allstate to help you find the ideal balance between affordability and available coverage options.

Pueblo, CO Auto Insurance Monthly Rates by Provider & Coverage Level

 

The average auto insurance cost in Pueblo is $70 a month; however, we can help you lower that rate by explaining how insurance companies calculate premiums. Factors such as age, gender, zip code, commute length, credit history, driving record, and Colorado’s auto insurance laws influence your rate. Follow our tips, and you’ll soon secure the best auto insurance rates in Pueblo.

Auto Insurance Discounts From the Top Providers in Pueblo, CO

Taking advantage of discounts might simplify finding reasonably priced auto insurance in Pueblo, Colorado. The top providers offer discounts, such as incentives for safe driving and bundling car and renters insurance.

Auto Insurance Discounts From the Top Providers in Pueblo, CO

Looking into the discounts offered by Pueblo, Colorado’s leading auto insurance companies, can significantly reduce your premium.

How Gender and Age Impact Auto Insurance Rates in Pueblo

Companies indeed calculate auto insurance rates by gender and age. Of the two, age has a bigger impact on auto insurance premiums.

Younger drivers have less experience, which makes them more likely to get into an accident. To mitigate that risk, insurance companies charge teen drivers higher rates.

Find your age in the table below to see what your average rates might look like. Once you turn 25, your rates decrease dramatically.

The older you get, the less your auto insurance in Pueblo, Colorado, will cost you. The following graph compares the monthly rates a teenager pays for auto insurance in Pueblo versus an adult.

Pueblo, Colorado Auto Insurance Cost by Age

Whether you are a youthful driver or even the parent of the youthful driver, finding an inexpensive policy can feel like an uphill fight. Fortunately, good student discounts and safe driver courses can help decrease your rates.

We mentioned that gender does not impact your rates as much as age. See what we mean in the table below.

Pueblo, CO Auto Insurance Monthly Rates by Gender

Don’t let the numbers scare you. Men pay only $14 more monthly for their auto insurance rates in Pueblo, Colorado than women.

Statistically, men cause more accidents than women each year. However, companies are relying less on gender and more on driving history, which is why the cost difference is so minimal.

The spot where you park your automobile at night will significantly influence your motor vehicle insurance rate. Auto insurance companies, therefore, do determine your auto insurance by ZIP code.

Population density and crime rates are reviewed to calculate insurance by ZIP codes fairly. Look for your ZIP code in the following table to see how it might impact your rates.

Pueblo, CO Auto Insurance Rates by ZIP Code

People with the 81005 ZIP code receive the lowest average rates. If your ZIP code is 81003, you pay the most in Pueblo. Don’t worry too much. The difference between the lowest and highest auto insurance rates by ZIP code is only seven dollars per month. The city you live in also impacts your average rates. The following graph compares Pueblo’s rates to other major cities in Colorado.

The good news is that Pueblo’s rates are lower than Denver, Colorado Springs, and Aurora. Typically, motor vehicle insurance is cheaper in rural areas because fewer vehicles are on the road, reducing the chances of getting into an accident.

There are many auto insurance places in Pueblo, Colorado, for consumers to choose from, but who’s the best? No one wants to pay the highest auto insurance rates by Pueblo standards. We must compare how companies calculate premiums to secure lower auto insurance rates.

Some companies might charge you more if you have bad credit but will offer accident forgiveness. Others may not care about credit but will give you higher quotes if you commute extra.

Everybody will answer these questions differently. Therefore, the best company for you depends on your unique needs and circumstances.

Best Auto Insurance for Commute Rates

Believe it or not, a longer-than-average commute length can increase your auto insurance rates. The national average commute is 25 minutes. What companies will increase your rates if you have a long commute? Find out in the table below.

Pueblo, CO Monthly Insurance Rates by Annual Mileage

Our front runner, Liberty Mutual, keeps rates the same regardless of how long your drive to work is. The same cannot be said about Geico or USAA.

Remember, USAA is a military insurance provider. Only active or retired military personnel and their families are eligible to use their services.

If you have a longer commute, take advantage of comparison shopping and see how your quotes from a company like Geico differ from Liberty Mutual. The results may lead to your best rates.

Best Auto Insurance for Credit History Rates

Let’s talk about credit history. Poor credit means you could pay twice as much for auto insurance. Companies consider credit history an example of financial responsibility.

They charge higher rates for people with poor credit histories to protect themselves. How much will your credit score affect your auto insurance premiums in Pueblo? Find out in the table below.

Pueblo, Colorado Monthly Auto Insurance Rates by Credit Score

Liberty Mutual’s rates are relatively low if you have fair credit. For poor credit, look into Geico. Both companies offer the most affordable rates for people with imperfect credit histories.

Remember, bad credit does not have to last forever. Find a rate that fits your budget and do your best to pay your premiums on time. It may help improve your credit score.

Best Auto Insurance for Driving Record Rates

Your driving history will impact your auto insurance rates. For insurance companies, your record as a driver proves how high or low risk you are to insure.

If you have a lot of traffic violations or at-fault accidents on your record, not only will your rates be higher, but some companies may refuse to insure you altogether. See how just one speeding violation can increase your rates in the table below.

Pueblo, CO Monthly Insurance Cost by Driving Record

It may surprise you that Liberty Mutual raises your rates more for a speeding violation than an at-fault accident. A serious infraction, like a DUI, can add an extra grand to your annual rates.

Do your best to keep your driving record clean. Not only will you receive lower auto insurance quotes, but you might also qualify for safe driver discounts.

We’ve covered some of the factors that affect auto insurance rates. However, there’s still more to discuss before we can fully explain how premiums are calculated.

We know that auto insurance rating tiers are used to place you into the category of a low or high-risk driver. Low-risk drivers secure cheap auto insurance rates because they’re less likely to cause accidents.

However, auto insurance quotes are also dependent on the city in which you live. Companies want to know if the road conditions in Pueblo are safe. They also want to know the crime rates and how bad traffic congestion gets.

Keep reading to see if living in Pueblo is helping or hurting your overall auto insurance rates.

Road Conditions in Pueblo

Poorly structured roads can cause more frequent accidents. If your city experiences a high rate of accidents, insurance companies will increase rates to mitigate the extra costs of all the claims being filed.

Let’s examine the road conditions in the Colorado Springs region, including Pueblo. The table below shows the conditions.

Colorado Springs Regional Road Conditions

Unfortunately, the road conditions around Pueblo are not the best. Over half of the roads in your area are in poor or mediocre condition. Vehicle operating costs are also fairly high, at $702 annually.

Vehicle Theft in Pueblo

Replacing a stolen vehicle is a huge cost for auto insurance companies. Your auto insurance will increase if you live in a city with high vehicle theft rates.

Let’s examine Pueblo’s crime rates to see how they impact your annual premiums. The following table features data recorded by the FBI from 2017.

Pueblo, Colorado Crime Rates & Statistics

Description	Number
Population	110,872
Motor Vehicle Theft	1,228
Violent Crime	1,167
Robbery	219
Property Crime	6,838
Burglary	1,376
Larceny-Theft	4,234
Arson	50

The number of vehicle thefts in Pueblo is much higher than the national average. Vehicle thefts have been an ongoing issue in the city for years, increasing auto insurance premiums.

KOAA 5 News covers the story in the following video.

We recommend installing anti-theft devices in your vehicle to prevent theft and help lower auto insurance rates. Some insurance companies might discount your annual rates due to the added safety features.

Of course, you should also be careful not to leave your keys in the ignition when you are not in your car.

According to City-Data, Pueblo’s crime rate is higher than that of 97.9 percent of American cities. Fortunately, there is a silver lining. Property crime rates have steadily decreased over the past five years.

If crime continues to decrease, you may also see decreases in your auto insurance rates. Until then, expect those rates to either rise or remain the same.

Traffic Congestion in Colorado

One wonderful advantage of your city is that there are few traffic problems in Pueblo. You’ll only feel the effects of traffic congestion if you drive to nearby Colorado Springs or another major city. There isn’t much need to question how to reduce traffic congestion in your city.

Intrix reports that Pueblo drivers only lost five hours to traffic congestion in 2019. By comparison, drivers in Colorado Springs lost fourteen hours, and folks in Denver lost sixty-three hours.

Rush hour traffic or occasional bad weather are some of the only causes of traffic congestion Pueblo experiences. Road work and major accidents are rare causes of traffic jams, but they usually clear up quickly and naturally without impacting too many drivers.

Auto Accident & Insurance Claim in Pueblo, Co

The following auto accident and insurance claim statistics in Pueblo, Colorado, provide a sense of motorists’ real risks on those few narrow roads that were kept disruptive. Your insurance rates and what coverage you can get by law depend on multiple factors, such as the number of uninsured drivers, the average claim size, or Car thefts per driver.

Pueblo, CO Auto Accident & Insurance Claim Statistics

Based on the statistics above, Pueblo drivers should always consider their insurance choices and begin a search for auto coverage that matches them well despite the city’s high accident rates and car theft figures. Compare rates to get the most comprehensive coverage and discounts for your needs.

Pueblo, Colorado, is in its own world regarding auto insurance, and a number of things are considered that don’t even cross other parts of the state. This table looks at various facets of the auto insurance system specific to commuters, such as claims response times, dangerous traffic conditions, etc.

Pueblo, CO Report Card: Auto Insurance Premiums

Ultimately, Pueblo auto insurance rates are impacted by several considerations like road quality and theft risk, and we feel that competition will always exist in the existing market. Knowing the scores is a valuable tool for consumers when choosing an auto insurance company.

Your Guide to Affordable Car Insurance in Pueblo, CO

Affordable car insurance in Pueblo, CO, is necessary to keep your car and wallet safe. You have many options for car insurance in Pueblo, CO, and we are here to help provide suitable solutions for various coverages and budgets. Residents have plenty of opportunities to shop around for car insurance in Pueblo so they can choose a carrier that works best with their particular state.

When shopping for a policy, you should consider factors such as comparing car insurance companies in Pueblo, customer service, and claims handling. Getting auto insurance quotes in Pueblo will help you see who offers the best rates and suitable auto insurance coverage options. Cheap car insurance in Pueblo, CO, can be found among insurers for drivers wanting options that fit a tight budget.

American Family Insurance Pueblo, CO, provides a variety of policies designed to fit the needs of residents in this area. Many residents search for car insurance in Pueblo, Colorado, to comply with state regulations while ensuring sufficient coverage. National Insurance Pueblo, CO, has a reputation for providing personal service at affordable rates.

Individuals needing Pueblo car insurance may gain a better deal by comparing several quotes. By researching various insurance companies in Pueblo, Colorado, you could find a great policy that works well for your life. Pueblo auto insurance solutions can be customized to the unique needs of drivers within a community.

State Farm in Pueblo, CO, is a popular choice because it provides comprehensive coverage options with good customer service that you can trust. Allstate Insurance Pueblo Colorado provides diverse plans and benefits, making it a popular choice among local drivers. Many people turn to Geico Pueblo CO for its competitive rates and ease of obtaining quotes online.

Consulting with auto insurance agents in Pueblo can provide valuable insights and help you navigate the insurance landscape effectively. Find the best auto insurance company near you by entering your ZIP code into our free quote tool.