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Cheap Car Insurance in Pueblo, CO

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Everything You Need To Know About Auto Insurance in Colorado

When you think of Colorado, the snow-capped Rocky Mountains, frost-bitten skiers, and icy, winding roads may come to mind. Aside from being in the same state, the city of Pueblo has nothing to do with any of that.

Located where the banks of the Arkansas River meet the waters of Fountain Creek, the city of Pueblo and the broader county that goes by the same name is a semi-arid region that gets around 12 inches of rain annually and less snow than other Colorado cities.

This city got its start in the 1840s as a trading post called El Pueblo (“the town”). More than 112,350 Coloradans reside in modern-day Pueblo, or “Steel City” — a moniker it picked up for being one of the largest steel-producing cities in the U.S.

Drivers in Pueblo and those living in other cities and towns across Colorado must meet state-mandated auto insurance requirements. Keep reading to learn more about car insurance in Colorado, including the average monthly rates based on age and zip code and what type of coverage is best for families with teen drivers.

How Much Does Car Insurance Cost in Pueblo, Colorado?

Drivers living in Pueblo pay a premium of around $44 per month for state mandated minimum liability auto insurance. That’s $2 more than Colorado’s state average of $42 and $8 less than the U.S. national average of $52.

Full auto coverage costs Pueblo drivers around $198 per month, $21 more than the state average of $177 and $30 more than the national average of $168.

Reasons Why Insurance Is So Expensive in Colorado

Your vehicle’s make, how many miles it has on the odometer, your driving record, and the type of coverage you have typically determine how much you’ll pay in coverage premiums. Colorado has at least three additional factors that make coverage in this state so expensive:

  • Severe weather conditions caused by snow, hail, high winds, flash floods, and wildfires.
  • A high number of uninsured drivers.
  • A rise in auto thefts, which spiked 86% between 2019 and 2021, according to state law enforcement.

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Affordable Car Insurance Rates Comparison by Cities in Colorado

This chart shows how much Pueblo drivers pay in monthly premiums compared to drivers living in other Colorado cities.

City Full Coverage Insurance Liability Insurance Coverage
Pueblo $198 $44
Denver $174 $48
Colorado Springs $174 $45
Durango $153 $34
Boulder $149 $41

Affordable Pueblo Car Insurance Rates by Zip Code

Insurance companies calculate the rates drivers pay based on several factors, including where they live. If you live in a dense urban area that sees a lot of traffic congestion and car crashes and travel along these risky roads frequently, you’ll likely have to pay a bit more for coverage than someone living in a less populated area.

Here’s how much Pueblo residents living in zip code area 81001 pay for full auto coverage and state-required liability compared to those living in other zip codes.

Zip Code Full Coverage Insurance Liability Insurance Coverage
81001 $198 $44
80202 $174 $48
80903 $174 $45
81301 $153 $34
80304 $149 $41
81052 $165 $35
80524 $136 $37
80487 $142 $33
80469 $148 $34

Low-Cost Car Insurance Rates by Age in Pueblo

Age influences how much you’ll have to pay for your auto policy because it’s a factor that insurance companies consider when estimating your rate. Drivers in their 40s and 50s typically pay less than other drivers because they have more experience behind the wheel than drivers in their 20s and 30s.

This chart lists average monthly premiums in Pueblo based on driver age.

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $655 $204
20s $222 $51
30s $193 $43
40s $186 $41
50s $175 $40
60s $177 $43
70s $206 $56

Our city and zip code average rates are based on the following methodology: male, age 30, lowest possible legal coverage allowed by Colorado.

Driving Conditions in Pueblo

How Many Fatal Accidents Happen in Pueblo?

According to the National Highway Traffic Safety Administration, Pueblo experiences 11 to 12 fatal crashes every year. On average, some years see four to six occur, but statistics from the NHTSA show that there have been years where the city has reported many more than that — anywhere between 13 and 16 that resulted in the death.

How Are the Road Infrastructure and Bridges in Pueblo?

Pueblo’s roads and bridges are maintained by Pueblo County’s Public Works Department — specifically, by its Road and Bridge Division. It maintains roughly 1,202 miles of road — or 455 miles of paved roads and 747 miles of gravel roads. The agency also oversees the upkeep of 104 bridges and traffic control devices, among other types of infrastructure.

Minimum Car Insurance Requirements in Pueblo

Colorado law outlines the minimum liability auto insurance requirements that drivers in Pueblo and those living in other cities and towns across Colorado must have. According to Colorado state statutes, drivers must purchase an auto coverage policy that provides:

  • $25,000 for bodily injury or death sustained by one person involved in a crash the driver causes, and $50,000 if two or more people involved are hurt or die as a result
  • $15,000 for property damage the driver causes in an accident

What Are the Penalties for Driving Without Insurance in Pueblo, Colorado?

Getting caught driving without insurance in Colorado is a Class 1 misdemeanor that can cost you $1,000 in fines and can land you in jail for a year. Your driver’s license will be suspended for up to eight months, and four points will be added to it. You will also be expected to complete 40 hours of community service.

You’ll need to file an SR-22 (or Certification of Financial Responsibility) form to have your driving privileges reinstated. This certification demonstrates that you have obtained legal insurance coverage. It will also make your premium skyrockets because your insurer will consider you a high-risk driver.

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Factors Allowed in Pueblo Car Insurance Rates

Your location, age, and the miles on your vehicle’s odometer aren’t the only factors that determine how much you’ll pay in premiums. Companies determine your rate by taking other factors into account, including your:

  • Driving history
  • Vehicle type
  • Education
  • Marital status
  • Coverage amount
  • Deductible amount

What’s the Best Car Insurance for Teenagers and Their Families in Pueblo, Colorado?

If you have a budding family with teen drivers, a multi-car policy might be your best option. Even though teen drivers tend to drive up the cost of a premium by around 79% in Colorado, you, your spouse, and any other adult drivers on your policy who are considered good drivers can help lower that cost. Eligibility for other coverage discounts can bring your rate down further.

What Are the Best Discounts for Car Insurance in Pueblo, CO?

Discounts are a great way to save money on a policy. That’s especially true if you’re eligible for several of them, which can bring down your premium significantly.

Some of the most popular discounts among Pueblo drivers include:

Bundling your coverage by buying more than one coverage option from the same provider is another great way to save cash. If you’ve already got car insurance, adding renters or homeowners insurance to your policy can reduce your overall bill.


Get an Online Quote for Car Insurance in Pueblo Today!

Downtown Pueblo, Colorado during the summer

Pueblo drivers must have an auto insurance policy that meets the state’s minimum liability mandate. If you’re looking for great coverage at an affordable price, Freeway Insurance can help.

Get started with a quote online, visit us at a Colorado office near you, or call us at (800) 777-5620 for a quote.