Cheapest Auto Insurance in Pueblo, Colorado (2025)

Once the site of a devastating flood, Pueblo, Colorado, now draws tourists to its serene riverwalk less than an hour from Colorado Springs. The average monthly cost for car insurance in Pueblo is $153, which is similar to the statewide average of $150 per month and slightly less than the nationwide monthly average of $144.

Pueblo’s smaller population size compared to cities like Denver and Colorado Springs could partly account for its lower rates.

Here’s what you should know about comparing quotes and finding cheap car insurance in Pueblo.

3 of the cheapest car insurance companies in Pueblo

Whether you work through local independent insurance agencies or captive agents that only represent one company, getting a great deal means more than finding the most affordable option. Ask for free quotes so you can compare coverage options and limits to find the best coverage for your individual situation, needs, and budget.

Start with the top insurance companies Insurify identified in Pueblo.

Best insurer for liability-only coverage: State Farm

Best insurer for military members and their families: USAA

Best insurer for bundling discounts: American Family

How to get the cheapest car insurance in Pueblo

While young and senior drivers should look for age-appropriate discounts, plenty of savings for other drivers are available. Along with discounts for driving a vehicle with specific safety features or avoiding incidents for a set period of time, here are some other ways to potentially lower your rates:

• Reconsider coverage. Reduce optional coverages, such as collision and comprehensive, on an older car with a low market value to get lower rates.

• Shop for quotes. Compare free quotes from at least three different car insurance companies for the same coverage levels to find the one that offers the best rates.

• Increase your credit score. Check your credit history for inaccuracies, correct them, and maintain good credit for lower rates.

• Bundle insurance. Some insurers let you bundle your auto insurance with other insurance such as homeowners, motorcycle, or renters for a lower rate.

Cheapest liability-only car insurance in Pueblo: Progressive

Liability-only car insurance is the minimum-required insurance for Colorado drivers. In Colorado, it covers bodily injury and damage that you cause another driver, vehicle, or property in an at-fault accident.

Liability insurance in Pueblo costs $95 per month, on average.

Here are the cheapest companies for liability-only insurance in Pueblo.

Cheapest full-coverage car insurance in Pueblo: State Farm

The difference between liability-only and full-coverage car insurance is that liability coverage pays for damages or injuries to others that you cause, while full-coverage car insurance pays for your own vehicle damages.

Full-coverage policies usually include comprehensive and collision coverage. Collision will cover your losses if you hit another vehicle or a stationary object like a tree or light pole. Comprehensive covers non-collision damage and losses, such as theft — a crime in which Pueblo ranked fourth across Colorado cities.1

Pueblo drivers pay a monthly average of $211 for full coverage.

To help you shop for the best full-coverage insurance, here are the cheapest insurers in Pueblo, according to Insurify data.

Car insurance requirements in Colorado

Colorado is an at-fault state, which means the driver responsible for the accident pays for the damages and injuries they cause to other parties, usually through their liability insurance. While car insurance rates can vary by ZIP code, minimum car insurance requirements don’t.

Colorado’s at-fault insurance laws require the following minimum coverages for all drivers:3

Colorado minimum car insurance requirements are just that: a minimum. They may not be enough to cover all the expenses following an accident, and they don’t cover damages to your own vehicle.

Pueblo drivers may want to purchase additional optional coverages for their car insurance policies, such as:

Cheapest car insurance for drivers with an incident

At-fault accidents usually make your car insurance prices go up, but traffic and moving violations, like speeding tickets, are also incidents that can raise your rates for several years.

Any time you’re involved in an accident or engage in risky driving behaviors that might increase the likelihood of an accident, such as driving under the influence, insurers likely penalize you with higher rates.

Cheapest car insurance for drivers with a speeding ticket: Progressive

Insurers consider speeding to be a risky driving behavior since speed is often a contributing factor in fatal car crashes. In Colorado, speed limits range from 20 mph to 65 mph, but local governments can’t increase it to more than 75 mph.4

Along with your premium rising from a speeding ticket, you may face fines or even jail time if you violate Colorado Class A or B traffic infractions.5

Liability insurance costs an average of $115 per month, and full coverage costs $256 per month for Pueblo drivers with a speeding ticket.

Finding affordable auto insurance is important after getting a speeding ticket in Pueblo. Here are the monthly liability-only quote of the cheapest car insurance companies in the city.

Cheapest car insurance for drivers with an at-fault accident: Progressive

Pueblo County reported nearly 3,000 car crashes in 2022 — a slight decrease from the previous year.6 But accident rates in your area affect car insurance premiums, and actually causing an accident will likely increase your rates.

Any at-fault accident claim another driver files with your insurer means your insurer pays for the losses you caused. When comparing quotes, ask if the insurance company has any accident forgiveness programs that you can take advantage of if you’re ever at fault in an accident.

Drivers in Pueblo with an accident on their record pay $114 per month for liability coverage, on average.

The table below shows the cheapest liability-only rates for drivers with an at-fault accident on their records in Pueblo.

Cheapest car insurance for drivers with a DUI: State Farm

Alcohol-impaired drivers were involved in 30% of all Colorado traffic fatalities in 2019.5 Getting a DUI can cause your rates to increase or have your insurer cancel your policy mid-term. Keep in mind that in Colorado you can still be arrested for driving with a BAC below 0.05 if you show signs of impairment.2 And in Colorado, a DUI remains on your motor vehicle record for 10 years.

Liability-only insurance for Pueblo drivers with a DUI costs $153 per month, on average. That rate increases to $340 per month for full coverage.

The table below shows the cheapest liability-only insurance in Pueblo for drivers with a DUI.

Cheapest car insurance for seniors: State Farm

Seniors older than 65 account for 18% of Pueblo’s population, and senior drivers should know that their car insurance rates can increase slightly around age 70.7 Drivers around age 25 begin to see a decrease in premiums thanks to their years of experience and mitigated risk factors.

Unfortunately, older adults tend to have an increased risk of being involved in accidents. Age-related physical, cognitive, or visual problems can play a role in higher accident risks.8

Senior drivers in Pueblo pay $78 per month, on average, for minimum-coverage policies.

But senior drivers can still find relatively cheap car insurance, starting with the insurers in the table below.

Cheapest car insurance for teens: Progressive

Pueblo teens should expect the highest average rates for car insurance because this age group is statistically more likely to be involved in a car accident than drivers age 20 and older due to inexperience, overconfidence, and increased distractions.9 More than half of teen driving fatalities in Colorado were related to speed between 2015 and 2019.10

Pueblo teen drivers pay monthly averages of $168 for liability coverage and $374 for full coverage.

But young drivers can find savings opportunities. Teen drivers and their policyholder parents should ask their insurers about good student discounts, how to lower rates with a safer vehicle, and whether the best way to save money on Colorado car insurance rates is to keep young drivers on their parents’ policies. Keep in mind that drivers younger than 18 can't buy their own policy without the written consent of a parent or guardian.

Pueblo car insurance quotes by credit tier

Colorado law allows car insurance companies — including those in Pueblo — to use a driver’s credit history as a factor in determining policy rates and eligibility. Although credit scores and credit histories can’t be the only influential factor, they can still affect rates.

Drivers with excellent or good credit scores generally get the lowest rates, while drivers with poor credit scores get the highest rates.

Here’s what Pueblo drivers pay on average for car insurance, by credit tier.

Is car insurance more expensive in Pueblo?

Pueblo’s average monthly rate of $153 is slightly lower than the national average of $144 per month. This could be because Colorado has less risk of severe weather events like hurricanes and tornadoes.

Rates will vary between cities in Colorado just as drastically as in other states.

More cities in Colorado

Compare average car insurance rates in Denver, Colorado Springs, and others below.