Pueblo, CO Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Pueblo, CO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Car insurance premiums in Pueblo, Colorado, vary by $559 based on driver’s background
Zimlon recently analysed car insurance policies for Pueblo, Colorado, which showed that the lowest premiums are paid by 68-year-old married female drivers, with insurance quotes starting at $373. On the other hand, the highest premiums are paid by 21-year-old single male drivers. The insurance quotes for this cohort begin at $932. Thus, a driver’s background can ensure a difference of at least $559, in premium rates. For this analysis, Zimlon used data published by the Colorado Division of Insurance.
Car insurance premiums are based on the car model, coverage limits, deductible values, and the driver’s background. The vehicle chosen for this study is a 2012 Ford Fusion S FWD with a 2.5 liter Duratec L4 6-Speed Automatic Transmission engine. The comprehensive collision deductible chosen is $500. The underinsured motorist per occurrence limit ranges between $50,000 and $300,000, and the uninsured motorist per person limit between $25,000 and $100,000. The property damage limit chosen is $15,000. The per occurrence bodily injury limit ranges from $50,000 to $300,000, and the per person bodily injury limit from $25,000 to $100,000. All driver cohorts analyzed had a driving record of no accidents or traffic convictions in the past 3 years, and they drove 10–15 miles to work each way.
This Zimlon analysis, conducted in terms of population cohorts, finds that the most expensive premium rate for 21-year-old single males is offered by American Hallmark Insurance at $7,091. Female drivers in the same age-group pay the second most expensive premiums. For this cohort of drivers, car insurance rates reach a maximum of $5,774 (offered by LM Insurance Corporation).
For 68-year-old married female drivers, who pay the lowest premiums among all the cohorts, the most inexpensive premium of $373 comes from Privilege Underwriters Reciprocal Exchange. The most expensive premium for this cohort is offered by LM Insurance Corporation, at $3,086.
The difference between the 25th and 75th percentile in insurance premiums shows how much a buyer can save by choosing the right insurance company. Zimlon found that the greatest difference is for 21-year-old single male applicants, who can save as much as 77.23%. The second highest is for 21-year-old single female applicants, at 65.42%.
The following chart presents a comparison of prices for each cohort.
The table below lists the premiums for each cohort along with the companies that offer them.
| Cohort | Cheapest Car Insurance Companies in Pueblo, CO | Most Expensive Car Insurance Companies in Pueblo, CO | Car Insurance Companies Offering Median Rates in Pueblo, CO | 25th Percentile of Car Insurance Premiums in Pueblo, CO | 75th Percentile of Car Insurance Premiums in Pueblo, CO | Dollar Difference between 25th and 75th Percentiles | Percentage Difference between 25th and 75th Percentiles |
|---|---|---|---|---|---|---|---|
| 21-year-old single male drivers | Privilege Underwriters Reciprocal Exchange ($932) | American Hallmark Insurance Company ($7,091) | Young America Insurance Company ($1,950) | The First Liberty Insurance Corporation ($1,480) | Safeway Insurance Company ($2,623) | $1,143 | 77.23% |
| 35-year-old married male drivers | Shelter General Insurance Company ($395) | LM Insurance Corporation ($3,592) | Response Insurance Company ($1,090) | Progressive Direct Insurance Company ($823) | Unitrin Auto and Home Insurance Company ($1,360) | $537 | 65.25% |
| 68-year-old married female drivers | Privilege Underwriters Reciprocal Exchange ($373) | LM Insurance Corporation ($3,086) | Liberty Insurance Corporation ($921) | National General Insurance Company ($723) | Farmers Alliance Mutual Insurance Company ($1,158) | $435 | 60.17% |
| 21-year-old single female drivers | Privilege Underwriters Reciprocal Exchange ($751) | LM Insurance Corporation ($5,774) | AIG ($1,716) | The Cincinnati Insurance Company ($1,339) | National Farmers Union Property & Casualty Insurance Company ($2,215) | $876 | 65.42% |
The Cost of Insuring Your Vehicle in Pueblo, CO, is $1,320
The average cost of auto insurance in Pueblo, CO, is $1,320. Car owners here can improve save more by comparing multiple auto insurance quotes from different auto insurers. The cost of auto insurance depends on numerous factors ranging from the make and model of the vehicle to the driver’s age.
Deductible:
Deductibles are among the most common factors affecting the rate of auto insurance in the country, and Pueblo is no different. A high deductible leads to a decrease in the cost of auto insurance, while a low deductible can lead to an increase. The average cost of auto insurance on a low deductible ($500) is $1,474. This goes down to $1,245 when the deductible is higher ($1,000).
Driving Record:
The driving record of car owners also has a direct impact on the cost of auto insurance. Getting charged for offenses such as DUI and driving without a proper license can have a long-term impact on Pueblo’s cost of auto insurance. Post-DUI, the average cost of auto insurance increases to $1,995, from $1,320.
Credit Score:
A healthy credit score will also determine the cost of one’s auto insurance. Possessing an “exceptional” or “good” credit score will reduce the cost of auto insurance for car owners, while a “poor” credit score can lead to a substantial increase of up to $2,153 in Pueblo.
Neighborhood:
The neighborhood one lives in Pueblo can also have an impact on the cost of auto insurance. Zimlon offers the option of keying in one’s zip code to get accurate auto insurance quotes from multiple auto insurance companies. Depending on several factors like the make and model of the vehicle and the rate of auto thefts in the neighborhood, the price can vary within the city.
Demographics:
The cost of auto insurance depends on the driver’s age and gender. Women are generally considered to be safe drivers, making auto insurance cheaper for them. Auto insurance is the most affordable for drivers who are in their fifties and sixties at $1,164 and $1,180. Auto insurance is expensive for teenagers since they lack driving experience. The average cost of auto insurance for teenagers in Pueblo is $4,283.
Factors that can influence the cost of car insurance in Pueblo, CO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Pueblo, CO Auto Insurance Rates
- Pueblo, CO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Pueblo, CO
- Multi Vehicle Insurance Savings in Pueblo, CO
- How Credit Score Affects Car Insurance Rates in Pueblo, CO
- How DUI Affects Auto Insurance Premiums in Pueblo, CO
- Top Auto Insurance Agents Near Pueblo, CO
- How Driving Violations Affect Auto Insurance Rates in Pueblo, CO
- Pueblo, CO Auto Insurance Discounts on Anti Theft Feature
- Pueblo, CO Auto Insurance Company Reviews
Pueblo, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Pueblo, CO with that of other cities in and around Pueblo.
| Pueblo | Colorado City-Rye | Salt Creek | Pueblo County | Beulah Valley | Pueblo West | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,320 | $1,774 | $1,683 | $1,728 | $1,745 | $1,754 |
Pueblo, CO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Pueblo, CO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Pueblo | $1,474 | $1,245 |
| Salt Creek | $2,704 | $2,284 |
| St. Charles Mesa | $1,090 | $920 |
| Blende | $1,433 | $1,210 |
| Colorado City-Rye | $1,465 | $1,237 |
| Pueblo West | $2,101 | $1,775 |
| Beulah Valley | $949 | $801 |
| Pueblo County | $1,547 | $1,307 |
Pueblo, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Pueblo, CO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,283 |
| 20 Years | $1,696 |
| 30 Years | $1,306 |
| 40 Years | $1,257 |
| 50 Years | $1,164 |
| 60 Years | $1,180 |
| 70 Years | $1,374 |
Pueblo, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Pueblo, CO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,297 | $343 |
| 3 Vehicles | $3,445 | $515 |
| 4 Vehicles | $4,594 | $686 |
Savings on 2 Vehicles bundle:$343
Savings on 3 Vehicles bundle:$515
Savings on 4 Vehicles bundle:$686
Pueblo, CO Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Pueblo, CO.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Pueblo | $1,320 | $1,995 |
| Salt Creek | $1,683 | $2,544 |
| St. Charles Mesa | $1,748 | $2,642 |
| Blende | $1,719 | $2,598 |
| Colorado City-Rye | $1,774 | $2,681 |
| Pueblo West | $1,754 | $2,651 |
| Beulah Valley | $1,745 | $2,638 |
| Pueblo County | $1,728 | $2,612 |
Pueblo, CO Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,133 |
| Excellent (740-799) | $1,293 |
| Good (670-739) | $1,375 |
| Average (580-669) | $1,794 |
| Poor (300-579) | $2,153 |
Pueblo, CO Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Craig Law | State Farm | 1818 Vinewood Ln, Pueblo, 81005-2525 | 719-561-8025 |
| Sandy R. Reinsch | Allstate | 3975 Redwood Ln, Pueblo, 81005 | (719) 561-0500 |
| Molly Halverson | Farmers | 1325 S Prairie Ave Ste 1, Pueblo, 81005 | (719) 546-1100 |
| Pikes Peak Insurance Agency | Travelers | 2306 N POWERS BLVD STE 120, COLORADO SPRINGS, 80915 | 719-591-4500 |
| Amy Gehrett | Farmers | 5555 Tech Center Dr Ste 110, Colorado Springs, 80919 | (719) 359-8414 |
| Amy Gehrett | Farmers | 5555 Tech Center Dr Ste 110, Colorado Springs, 80919 | (719) 359-8414 |
| Michael Jankovsky | Allstate | 3225 Austin Bluffs Pkwy Ste 101, Colorado Springs, 80918 | (719) 591-2631 |
| Scott Gaskell | Farmers | 2016 S Pueblo Blvd, Pueblo, 81005 | (719) 547-3136 |
| Christopher Roy | Farmers | 1255 Lake Plaza Dr Ste 257, Colorado Spgs, 80906 | (719) 576-2638 |
| Brandon Sullivan | State Farm | 5615 Constitution Ave, Colorado Spgs, 80915-1218 | 719-597-5000 |
| Roberto Martinez | State Farm | 1216 N Academy Blvd, Colorado Spgs, 80909-4407 | 719-574-0210 |
| Frances Mclaurin | Farmers | 5376 Tomah Dr Ste 201, Co Spgs, 80918 | (719) 548-8508 |
Pueblo, CO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$58 | $1,378 |
| Driver's Failure In Showing Documents | +$128 | $1,448 |
| Driving With An Expired Registration | +$136 | $1,456 |
| Driving At A Considerably Slow Pace | +$286 | $1,606 |
| Using A Cellphone While Driving | +$302 | $1,622 |
| Running A Red Light | +$308 | $1,628 |
| Speeding | +$323 | $1,643 |
| Driving A Vehicle Without The Required Permission | +$411 | $1,731 |
| Driving With An Expired/Suspended License | +$890 | $2,210 |
Pueblo, CO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,267 |
| Active Disabling Device | $1,267 |
| Tracking Device | $1,241 |
| Passive Disabling Device | $1,228 |
Latest Auto Insurance Reviews in Pueblo, CO | Back to Top
UsaaNot sure what other companies have to offer because I have been with USAA for a very long time.
ProgressiveI had a cheaper insurance company prior to using Progressive, but their customer service was horrible. They were rude and short and it always felt like an inconvenience when I contacted them.
State FarmI compare every few years and the cost of my coverage is always comparable to other offerings. While some companies may be cheaper, I have the peace of mind knowing I am dealing with a reputable company.
State FarmI am very satisfied, they help out whenever needed and seem to be above and beyond a lot of the other competitors in my area and keep on moving forward with the times.
UsaaGreat they are very timely with issues and you can live chat with them so that makes for very convenient customer service.
Liberty Mutuali am very comfartable of this company. i think this company is much better than other company.
UsaaMy premium is fair plus I get a multi-policy discount. My deductible is $500, and that even included rock chip repair, with no cost to me. I also have towing which I had to use a few years ago. It was easy to complete via their roadside assistance app.
UsaaMy premium is fair plus I get a multi-policy discount. My deductible is $500, and that even included rock chip repair, with no cost to me. I also have towing which I had to use a few years ago. It was easy to complete via their roadside assistance app.
ProgressiveThe ability to contact them whenever it is convenient for me and at price I can afford.
AllstateUsing Allstate, I am currently paying only slightly more than my previous provider. That includes being upgraded from liability only to full coverage.
UsaaI am very satisfied with my premium. I pay about $50 less a month from my last insurance company and it never goes up unexpectedly -- it usually goes down each year.
American Family InsuranceCustomer service is easy to get ahold of and very helpful in helping me navigate the process of moving state to state. However, sometimes when the agent substitutes for the assistant, they don't know what they are doing.
EsuranceTheir customer service dept is awesome! That is what a lot of companies lack. Every time I call with questions or help, they are always professional and helpful. They will even double tag you, the CSR and the tech people. Makes things a lot of easier and faster.
Liberty MutualLiberty offers Right Track, which plugs into your car and monitors your driving to give you a discount based on how few times you brake hard or accelerate quickly. They have good customer service as well.