Pueblo Auto Insurance Rates, Quotes, Agents & Reviews in CO

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.

Compare Quotes from Top Providers and Save now!

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.

No-image

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.

the_cost_of_insuring_your_vehicle_in_pueblo_co

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 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

Usaa
Not sure what other companies have to offer because I have been with USAA for a very long time.
Progressive
I 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 Farm
I 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 Farm
I 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.
Usaa
Great they are very timely with issues and you can live chat with them so that makes for very convenient customer service.
Liberty Mutual
i am very comfartable of this company. i think this company is much better than other company.
Usaa
My 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.
Usaa
My 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.
Progressive
The ability to contact them whenever it is convenient for me and at price I can afford.
Allstate
Using Allstate, I am currently paying only slightly more than my previous provider. That includes being upgraded from liability only to full coverage.
Usaa
I 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 Insurance
Customer 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.
Esurance
Their 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 Mutual
Liberty 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.