Car Insurance in Pueblo, Colorado
Estimated full coverage in Pueblo runs about $1,815 a year ($151/month) — ▼ 0% versus the Colorado average, ranking 13th most expensive of the 13 Colorado cities we cover.
Why car insurance in Pueblo costs less than the Colorado average
Insurers price by territory, and Pueblo's numbers explain most of the gap. With 111,166 residents on 56.6 square miles, the city's density (1,964 people per square mile) is 3.1 times the density where the typical Colorado resident lives (640). The average commute is 19.4 minutes (Colorado: 25.2), and 79% of workers drive alone. Together these put our location factor at 1.01× the state baseline for liability and collision, and 0.97× for comprehensive once FEMA weather risk for Pueblo County is included.
| Factor | Pueblo | Colorado ref. | Why it matters |
|---|---|---|---|
| Population density | 1,964 / sq mi | 640 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 19.4 min | 25.2 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 4.8% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 79.2% | — | Share of workers commuting by car. |
| Public transit to work | 1.0% | — | Transit use lowers how much residents drive. |
| Work from home | 7.6% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 8.6% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 79.4 | 94.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Pueblo
Rates can change from one ZIP code to the next. Across 5 Pueblo ZIP codes, our full-coverage estimate ranges from $1,560 in 81008 to $1,750 in 81003. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 81005 | 32,441 | 163 | 21.1 min | 5.9% | $1,625 | −10% |
| 81001 | 31,197 | 974 | 18.9 min | 9.5% | $1,745 | −4% |
| 81004 | 25,757 | 160 | 20.2 min | 9.5% | $1,610 | −11% |
| 81003 | 15,194 | 1,243 | 17.7 min | 12.0% | $1,750 | −4% |
| 81008 | 11,608 | 114 | 18.3 min | 5.2% | $1,560 | −14% |
Minimum car insurance in Pueblo
Pueblo drivers follow Colorado's rules: at least 25/50/15 liability coverage. Colorado is at-fault (tort). We estimate state-minimum coverage in Pueblo at $655 a year, and $950 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $15,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Colorado does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured/underinsured motorist coverage is included in the policy unless the named insured rejects it in writing; uninsured motorist property damage is optional. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Included together with uninsured motorist coverage unless rejected in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | $5,000 Medical payments coverage of $5,000 is included unless the named insured rejects it. | Medical bills for you and your passengers |
Risk factors that shape Pueblo premiums
Accidents
Colorado recorded 689 traffic deaths, or 1.25 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Colorado's vehicle theft rate is 305 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Pueblo County as relatively high for hail, relatively moderate for inland flooding and relatively moderate for strong wind.
Traffic & commuting
4.8% of Pueblo commuters spend an hour or more getting to work, and there are 1.74 vehicles per household. 7.6% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 98.2 | Comprehensive (car); roof claims (home) | |
| Tornado | 72.2 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 81.1 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 66.0 | Comprehensive; dwelling | |
| Winter weather | 98.6 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Pueblo by driver profile
A clean-record driver in their 50s pays the least in our Pueblo model (about $1,670 for full coverage); an 18-year-old on their own policy pays about $4,995, and a DUI pushes a 30-something to $3,360.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,805 | $2,620 | $4,995 | $416 |
| Young adult (22) | $1,050 | $1,525 | $2,905 | $242 |
| Adult in their 30s | $655 | $950 | $1,815 | $151 |
| Adult in their 50s | $605 | $875 | $1,670 | $139 |
| Senior (72) | $735 | $1,065 | $2,035 | $170 |
| 30s, one at-fault accident | $950 | $1,380 | $2,635 | $220 |
| 30s, DUI on record | $1,215 | $1,760 | $3,360 | $280 |
Minimum vs. standard vs. full coverage in Pueblo
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $655 | $55 | $540–$775 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $950 | $79 | $780–$1,125 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,815 | $151 | $1,490–$2,140 |
Estimate your premium in Pueblo
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Cheap car insurance in Pueblo: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Pueblo's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $120 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $125 | You're among the 7.6% of Pueblo workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $475 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $865 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $400 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Pueblo
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 30 offices listed below.
- Check complaint records with the Colorado Division of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Pueblo, our estimates differ by up to $190 a year between neighborhoods.
Car insurance agents near Pueblo, CO
We found 30 insurance offices within about 6 miles of central Pueblo, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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David Michael Chucka - Farmers Insurance
1005 Court St, Pueblo, CO 81003 -
Nathan Eric Baxter - Farmers Insurance
325 S Union Ave, Pueblo, CO 81003 -
Corey Pierce - American Family Insurance
200 W B St, Ste 226, Pueblo, CO 81003 -
Paul Borst Noakes - Farmers Insurance
122 W 13th St, Pueblo, CO 81003 -
Brent J Cozzolino - Farmers Insurance
1315 1/2 W 4th St, Pueblo, CO 81004 -
HUB International Insurance Services
CO -
Jeff Gordon Brown - Farmers Insurance
509 Colorado Ave, Pueblo, CO 81004 -
Curt Lewis Agency LLC
311 W 24th St, Ste 5, Pueblo, CO 81003 -
Rozlyn Armijo - American Family Insurance
511 W 26th St, Ste A, Pueblo, CO 81003 -
Fred Loya Insurance
CO -
David Jay Maestas - Farmers Insurance
1624 Bonforte Blvd, Pueblo, CO 81001 -
Molly Halverson - Farmers Insurance
2105 W Northern Ave, Pueblo, CO 81004 -
National Insurance
CO -
Brandon M. Ferris Agency Inc.
1325 S Prairie Ave, Ste 1, Pueblo, CO 81005 -
Dulcinea Rebecca Garcia - Farmers Insurance
2037 Jerry Murphy Rd, Pueblo, CO 81001 -
Brian Corsi - Allstate
813 Desert Flower Blvd, Pueblo, CO 81001 -
Fred Loya Insurance
1565 US 50, Pueblo, CO 81008 -
State Farm
CO -
Melissa Arriaga Deangelo - State Farm
3930 Ridge Drive & Hwy 50 W, Pueblo, CO 81008 -
American Family Insurance
CO -
Joel M Salinas - Farmers Insurance
2099 W Us Highway 50, Pueblo, CO 81008 -
Brian J Ballotti - Farmers Insurance
1844 Vinewood Ln, Pueblo, CO 81005 -
State Farm
CO -
Darrell Reid Dominguez - Farmers Insurance
1112 Eagleridge Blvd, Pueblo, CO 81008 -
Freddie Daniel Martinez - Farmers Insurance
805 Eagleridge Blvd, Pueblo, CO 81008 -
Julie Nelson Gonzales - American Family Insurance
4718 N Elizabeth St, Ste F, Pueblo, CO 81008 -
Holloman & Associates Corp
3914 Sandalwood Ln, Pueblo, CO 81005 -
Scott Gaskell - Farmers Insurance
2016 S Pueblo Blvd, Pueblo, CO 81005 -
Exceptional Insurance Group
3975 Redwood Ln, Pueblo, CO 81005 -
Brian Mondragon - State Farm
4130 Redwood Lane, Suite 110, Pueblo, CO 81005
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Pueblo
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,370 | −25% |
| Subaru Outback | Wagon | $1,380 | −24% |
| Tesla Model 3 | Midsize car | $1,860 | +2% |
| Subaru Forester | Small SUV | $1,350 | −26% |
| Honda Civic | Compact car | $2,035 | +12% |
| Toyota Corolla | Compact car | $1,920 | +6% |
| Jeep Wrangler | Midsize SUV | $1,500 | −17% |
| Mazda CX-5 | Small SUV | $1,520 | −16% |
| MINI Cooper | Subcompact car | $1,370 | −25% |
| Tesla Model Y | Midsize SUV | $1,675 | −8% |
More car insurance topics in Pueblo
Car insurance in nearby Colorado cities
- Colorado Springs $1,915/yr · 42 mi
- Centennial $2,015/yr · 92 mi
- Lakewood $2,005/yr · 102 mi
- Aurora $2,020/yr · 103 mi
- Denver $2,030/yr · 104 mi
- Arvada $2,000/yr · 109 mi
- Thornton $2,105/yr · 112 mi
- Westminster $2,030/yr · 114 mi
- Boulder $1,880/yr · 126 mi
- Longmont $1,980/yr · 134 mi
- Greeley $1,935/yr · 149 mi
- Fort Collins $1,875/yr · 159 mi
All Colorado cities and state rules · Homeowners insurance in Pueblo
Frequently asked questions
How much is car insurance in Pueblo, CO?
We estimate full coverage in Pueblo at about $1,815 a year ($151 a month) for a driver in their 30s with a clean record, and about $655 for Colorado's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Pueblo cheaper than the Colorado average?
Our Pueblo estimate is about the same as the statewide figure. The model reflects a population density of 1,964 people per square mile (the typical Colorado resident lives at about 640) and an average commute of 19.4 minutes versus 25.2 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Pueblo?
Drivers in Pueblo follow Colorado law: at least 25/50/15 liability coverage.
Which ZIP code in Pueblo has the cheapest car insurance?
Among Pueblo's 5 ZIP codes, 81008 has the lowest estimate (about $1,560 a year for full coverage) and 81003 the highest (about $1,750), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Pueblo?
An 18-year-old with their own full-coverage policy would pay around $4,995 a year in Pueblo by our estimate ($1,805 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Pueblo?
Yes. FEMA's National Risk Index rates Pueblo County for hail (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Pueblo?
We list 30 insurance offices in and around Pueblo, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Colorado Division of Insurance: Auto Insurance
- Colorado DMV: SR-22 and Insurance Information
- Colorado DMV: Suspension and Reinstatement FAQs
- Colorado Division of Insurance: Premium Comparison Reports
- Colorado Division of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Pueblo and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places