One of the more important criteria that are used to help calculate the amount you pay for auto insurance is where you live in Pueblo. Cities with larger populations will most likely pay more, whereas areas with less crime or weather claims have the benefit of cheaper car insurance.

The next table ranks the most costly cities in Colorado to purchase car insurance in. Pueblo is listed at #3 with an annual cost of $1,397 for car insurance, which is around $116 per month.

How much does car insurance cost in Pueblo, CO?
Rank City Premium Per Year
1 Denver $1,425
2 Aurora $1,403
3 Pueblo $1,397
4 Security-Widefield $1,343
5 Lakewood $1,337
6 Colorado Springs $1,316
7 Commerce City $1,314
8 Ken Caryl $1,313
9 Northglenn $1,303
10 Arvada $1,295
11 Thornton $1,281
12 Parker $1,270
13 Littleton $1,267
14 Centennial $1,265
15 Highlands Ranch $1,241
16 Brighton $1,235
17 Westminster $1,234
18 Castle Rock $1,224
19 Broomfield $1,215
20 Boulder $1,159
21 Greeley $1,156
22 Longmont $1,144
23 Grand Junction $1,120
24 Fort Collins $1,067
25 Loveland $1,063
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Prices are estimated as specific location information can revise coverage prices considerably.

Considering where Pueblo ranks on price, finding dependable, reasonably-priced car insurance is not easy, and figuring out which companies have the best insurance rates in Pueblo calls for even more perseverance.

Every insurance provider uses different criteria for determining rates in each state, so let's rank the insurance companies that tend to have lower prices in Pueblo. It's important to know that Pueblo insurance rates are influenced by many factors that control your annual premium. Simply improving your credit, increasing liability limits, or getting a few speeding tickets may cause policy rate changes that may make certain companies more expensive than competitors.

Best Insurance Companies in Pueblo

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Cheapest insurance companies in Colorado
Rank Company Cost Per Year
1 The Hartford $825
2 Grange $987
3 USAA $1,009
4 Nationwide $1,109
5 GEICO $1,176
6 Travelers $1,183
7 Auto-Owners $1,192
8 State Farm $1,259
9 American Family $1,275
10 Progressive $1,336
11 Amica $1,340
12 California Casualty $1,458
13 Allied $1,483
14 Colorado Farm Bureau $1,576
15 Farmers $1,629
16 MetLife $1,830
17 Allstate $2,055
18 Encompass $2,253
19 Safeco $2,447
20 Titan $2,657
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The Hartford generally has some of the lowest car insurance rates in Pueblo at around $825 each year. Grange, USAA, Nationwide, and GEICO also are some of the more affordable Pueblo, CO auto insurance companies.

As the example above demonstrates, if you currently have coverage with GEICO and switched to Grange, you could see a yearly price reduction of upwards of $189. Customers with Travelers might save as much as $196 a year, and Auto-Owners insureds might realize rate reductions of up to $205 a year.

Understand that those policy prices are averaged across all drivers and vehicles in Colorado and are not factoring in a specific zip code in Pueblo. So the insurer that fits your situation best may not even be in the list above. That's why you need to compare rates from multiple companies using your own driver information and specific vehicle type.

The vehicle model requiring insurance is probably the most important factor in finding the most economical coverage in Pueblo. Vehicles with high performance, poor safety features, or a history of substantial liability claims will cost quite a bit more to insure than safer models.

The next table illustrates insurance premiums for a number of the most cost-effective automobiles to insure.

Cheapest Vehicles to Insure in Pueblo, CO
Make and Model Estimated Cost for Full Coverage
Ford Escape Limited 2WD $1,500
Honda Accord EX-L 4-Dr Sedan $1,593
Honda CR-V LX 2WD $1,653
Nissan Altima 2.5 4-Dr Sedan $1,735
Toyota Tacoma Double Cab 4WD $1,744
Ford Explorer Limited 2WD $1,767
Dodge Grand Caravan SXT $1,773
Toyota Prius $1,781
Volkswagen Jetta S 2.5 Station Wagon $1,789
Hyundai Elantra GLS 4-Dr Sedan $1,830
Toyota Camry SE $1,838
Toyota Corolla XLE $1,830
Ford Focus SE 4-Dr Sedan $1,863
Chevrolet Equinox LT 2WD $1,901
Chevrolet Malibu LS $1,911
Ford F-150 XL Crew Cab 4WD $1,906
Honda Civic GX 4-Dr Sedan $1,923
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Price information does not factor in specific garaging location which can increase or decrease coverage prices greatly.

Based on these rates, we can presume that vehicles like the Ford Escape, Honda Accord, Honda CR-V, and Nissan Altima are most likely to be a few of the cheaper vehicles to insure for drivers in Pueblo.

The diagram below shows how choosing a deductible can influence annual premium costs when quoting cheap insurance in Pueblo. The costs are based on a single male driver, full physical damage coverage, and no other discounts are factored in.

The chart above illustrates that a 30-year-old driver could lower their policy premium by $452 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $682 by selecting a $1,000 deductible. Younger drivers, like the 20-year-old example, could lower their rates as much as $1,332 annually just by choosing higher deductibles. When insureds make the decision to increase the deductibles on their policy, it is essential to have emergency funds available to cover the extra out-of-pocket expense that is associated with using high deductibles.

How to find economical insurance in Pueblo

The list below details a few thrifty suggestions that can help drivers get low-cost coverage.

That last idea is particularly vital, as was emphasized in this piece. Coverage rates adjust frequently, so you should be ready to switch to a new company if a better rate can be found.

We understand brand loyalty, but it's not recommended if your bullheadedness ends up costing you money that could be going to better use. In just a couple of minutes you could compare rates to find cheaper car insurance in Pueblo.