Cheap Car Insurance in Pueblo, CO

When you think of Colorado, the snow-capped Rocky Mountains, frost-bitten skiers, and icy, winding roads may come to mind. Aside from being in the same state, the city of Pueblo has nothing to do with any of that.

Located where the banks of the Arkansas River meet the waters of Fountain Creek, the city of Pueblo and the broader county that goes by the same name is a semi-arid region that gets around 12 inches of rain annually and less snow than other Colorado cities.

This city got its start in the 1840s as a trading post called El Pueblo (“the town”). More than 112,350 Coloradans reside in modern-day Pueblo, or “Steel City” — a moniker it picked up for being one of the largest steel-producing cities in the U.S.

Drivers in Pueblo and those living in other cities and towns across Colorado must meet state-mandated auto insurance requirements. Keep reading to learn more about car insurance in Colorado, including the average monthly rates based on age and zip code and what type of coverage is best for families with teen drivers.

Drivers living in Pueblo pay a premium of around $44 per month for state mandated minimum liability auto insurance. That’s $2 more than Colorado’s state average of $42 and $8 less than the U.S. national average of $52.

Full auto coverage costs Pueblo drivers around $198 per month, $21 more than the state average of $177 and $30 more than the national average of $168.

How Many Fatal Accidents Happen in Pueblo?

According to the National Highway Traffic Safety Administration, Pueblo experiences 11 to 12 fatal crashes every year. On average, some years see four to six occur, but statistics from the NHTSA show that there have been years where the city has reported many more than that — anywhere between 13 and 16 that resulted in the death.

How Are the Road Infrastructure and Bridges in Pueblo?

Pueblo’s roads and bridges are maintained by Pueblo County’s Public Works Department — specifically, by its Road and Bridge Division. It maintains roughly 1,202 miles of road — or 455 miles of paved roads and 747 miles of gravel roads. The agency also oversees the upkeep of 104 bridges and traffic control devices, among other types of infrastructure.

Getting caught driving without insurance in Colorado is a Class 1 misdemeanor that can cost you $1,000 in fines and can land you in jail for a year. Your driver’s license will be suspended for up to eight months, and four points will be added to it. You will also be expected to complete 40 hours of community service.

You’ll need to file an SR-22 (or Certification of Financial Responsibility) form to have your driving privileges reinstated. This certification demonstrates that you have obtained legal insurance coverage. It will also make your premium skyrockets because your insurer will consider you a high-risk driver.

If you have a budding family with teen drivers, a multi-car policy might be your best option. Even though teen drivers tend to drive up the cost of a premium by around 79% in Colorado, you, your spouse, and any other adult drivers on your policy who are considered good drivers can help lower that cost. Eligibility for other coverage discounts can bring your rate down further.

Discounts are a great way to save money on a policy. That’s especially true if you’re eligible for several of them, which can bring down your premium significantly.

Some of the most popular discounts among Pueblo drivers include:

Bundling your coverage by buying more than one coverage option from the same provider is another great way to save cash. If you’ve already got car insurance, adding renters or homeowners insurance to your policy can reduce your overall bill.