Best cheap car insurance in Pueblo

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Distracted driving is a serious problem in Pueblo, Colorado and in other parts of the state. An estimated 85 percent of Colorado drivers admit to driving while distracted each day. Drivers in Pueblo need to ensure they have car insurance in place in order to avoid accidents caused by distracted drivers.

Car insurance rates for the almost 110,000 residents Pueblo, Colorado are higher than the national standard. In Pueblo, the average premium for minimum coverage is $606 per annum. Full coverage costs on average $23,323 per annum. These rates are more than the Colorado average rates of $518 per year for minimum coverage, and $2,016 per year for full coverage. There are many ways to lower your insurance cost without sacrificing the quality of your coverage.

Pueblo’s best car insurance company

It is important to compare and evaluate many factors when searching for the best Pueblo car insurance companies. When determining the best companies, third-party rankings, average premiums and discounts, customer satisfaction scores, claims experience, and discount availability were all taken into consideration. Quadrant Information Services was used by Bankrate to obtain the most current premium information for Pueblo’s car insurance companies.

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According to our research, these companies are the top auto insurance providers in Pueblo.

Insurance companyJ.D. J.D.Minimum coverage: Average annual premiumFor full coverage, the average annual premium
American Family862 / 1,000$1,099$3,070
Auto-Owners890 / 1,000$495$1,967
Geico871 / 1,000$326$1,224
State Farm881 / 1,000$601$1,936

Quadrant Information Services, 2020

American Family

Their premiums are higher than average in Pueblo and the highest on our list. However, American Family compensates for this by offering many optional coverages. Additional coverages include gap coverage and accidental death and dismemberment coverage.

Policyholders might be eligible for discounts to reduce their premiums. You can get discounts for safe driving, defensive driving and low mileage. However, the company did receive a below-industry-average score in the 2020 J.D. Power U.S. Auto Claims Satisfaction Survey.

Auto-Owners

Policyholders receive a unique benefit from Auto-Owners . You may be able to have your collision deductible waived by Auto-Owners if you are in an accident with another person who is also covered under the policy.

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Auto-Owners provides many optional coverages that can be customized to your policy. These include diminished value coverage and road trouble service. In the 2020 J.D., the company was also third. The Power U.S. Auto Claims Service Satisfaction Study shows that most policyholders are satisfied with the claims service.

Geico

Geico has the lowest prices for car insurance on our list, both for minimum and full coverage. Geico is well-known for its low premiums and a variety of discounts that it offers policyholders. For example, you may be able save as much as 15% on a new vehicle or up to 23% if your vehicle has an anti-theft device.

Geico is a company that offers digital insurance management. Policyholders can file claims, pay bills, and print ID cards from the company’s mobile application. It has received over 2.6 million user reviews on the app store, and is rated 4.8/5.0.

State Farm

State Farm offers a number of great features. These include local agents that can help with your insurance needs. It is easy to locate a local agent in your area using the Locate an Agent tool.

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State Farm is known for its two safe driving programs Steer Clear for teen drivers, and Drive Safe & Save (for adults). If you are eligible, these programs can reduce your car insurance premiums and teach you or your teen to drive safely.

Pueblo has the lowest car insurance

The average annual cost of car insurance in Pueblo is $2,323 for full coverage or $606 for minimal coverage. Pueblo drivers spend more than the average Colorado annual premium, which is $518 to get minimum coverage and $2,000.16 for full coverage. The national average cost for car insurance for full coverage is $1,674 annually, and $565 for minimum coverage.

We analyzed the average annual premiums of the 25 largest companies in Pueblo to determine the most affordable car insurance.

Insurance companyMinimum coverage: Average annual premiumFor full coverage, the average annual premium
Geico$326$1,224
USAA$340$1,418
Farmers$474$1,893
Auto-Owners$495$1,967
MetLife$594$2,845

When shopping for auto insurance, Pueblo drivers might want to look beyond price. While finding affordable auto insurance is a priority, it’s worth considering other factors, such as financial strength, customer service ratings, coverage options, and discounts.

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Pueblo insurance requirements

To meet state requirements, Colorado drivers must have at least minimum liability coverage. Colorado’s minimum car insurance requirements are:

  • $25,000 per person for bodily injury
  • $50k bodily injury per accident
  • $15,000 for property damage

While minimum coverage might mean lower premiums, higher liability limits may be more cost-effective. You will be responsible for any excess costs incurred by you if you cause an accident or inflict injuries on another person beyond the state’s minimum limits.

To provide coverage for vehicle damage, you might consider full cover. Your lender may require that you carry full coverage if you have a vehicle loan or lease.

Pueblo car insurance discount

Pueblo drivers may be interested in discounts to lower their car insurance premiums due to higher than average car insurance rates. While every company has its own discount options, most offer the same ones. These discounts can make a big difference in your premiums.

  • You may qualify for an advanced discount if you obtain a quote prior to your current policy expires.
  • Discount on automatic payments: Your insurance company may offer a discount if you let them automatically debit your bank account and charge your credit card every month.
  • A good driving discount: You may be eligible for a discount if you have not been in any accidents or tickets for more than a few years. The company will determine how many years you need to keep your driving record clean.
  • Multi-policy discount: You may be eligible for a multi-policy coupon if you have both your car and other products like your home or your life insurance with the same company.
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Questions frequently asked

Which Pueblo car insurance company is best?

The best car insurers in Pueblo were American Family, Auto-Owners and Geico. Each driver will have different insurance needs so the best car insurer is not necessarily the most popular. To find the best car insurance company for you, look at their financial strength, customer service reviews, and claims handling.

What is the cost of car insurance in Pueblo?

Pueblo’s auto insurance premiums are more expensive than in other parts of Colorado and the U.S. For minimum coverage, the average cost of car insurance in Pueblo amounts to $606 per annum. Pueblo drivers pay $2,323 annually for full coverage. Your age, your car type and coverage choices will all impact how much you pay for your premiums.

What amount of Pueblo car insurance do you need?

To be able to drive legally, you will need to have at least 25/50/15 Colorado state minimum liability. You should consider the value of your vehicle and your ability to afford repairs or replacements if it is totaled or damaged. An insurance professional licensed in your area may be able help you decide how much coverage you need.

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