With a semi-arid desert climate and minimal annual rainfall, Pueblo drivers can face a blazing sun and blowing dust that can hamper visibility at a moment’s notice. What’s more, a sudden downpour can result in dangerous flash floods on the Pueblo roadways. Pueblo drivers need quality, affordable car insurance to protect them from the unique hazards they may encounter while driving.
An Independent Insurance Agent can assess your risks and help you find a Pueblo auto insurance policy that meets your needs and budget.
How much does Pueblo car insurance cost?
Pueblo car insurance costs around $178 per month, on average. But everyone’s car insurance rates are different. Your individual monthly premium is based on things like the type of car you drive, your ZIP code and your commute. If you are paying more than most, you might have a newer car, or you might drive farther to work or school each day. Or, you might pay more if you live somewhere with a high rate of auto theft.
If you think you are paying too much, it’s a good idea to shop around. A local independent insurance agent can get quotes from multiple insurance companies so you can find coverage that better fits your budget.
What does Pueblo car insurance actually do for me?
Pueblo car insurance helps you pay for vehicle damage and medical bills for others if you cause an accident. If you have certain coverage, it can help you pay for your own vehicle damage and medical bills as well. You need to have enough coverage to be sure you are fully protected if you are in an accident. The minimum coverage required by the state of Colorado is rarely enough.
Here are some of the ways your Pueblo car insurance policy can help you pay after a crash.
- Fix Your Car - We officially call this "Comprehensive & Collision Coverage." Nothing required.
- Fix Someone Else's Car - We officially call this "Property Damage Liability." Required min. $15,000.
- Pay Your Medical Bills - We officially call this "Personal Injury Protection" or "PIP." Nothing required.
- Pay Someone Else's Medical Bills - We officially call this "Bodily Injury Liability." Required min. $25,000 per person, $50,000 per accident.
Who pays if the accident wasn't my fault?
The driver who caused the accident, of course. Sometimes, people drive without insurance. 13.3% of Colorado drivers are uninsured. If they cause a crash, uninsured drivers usually can’t pay for the vehicle damage and medical bills of the other drivers. That’s why it’s so important for Pueblo drivers to purchase “uninsured motorist coverage.” It pays for your vehicle repair and medical bills when you cannot collect from an uninsured driver. Some states require all drivers to purchase this type of coverage, but Colorado is not one of them.
What Affects the Cost of Pueblo Auto Insurance?
Insurance companies base their prices on your individual risk factors. They assess your personal characteristics (age, gender, driving record) as well as what risks are involved with your car and where you live. Ultimately, insurance companies want to know how likely you are to get into an accident or file a claim. The more risk factors you have, the more you will pay for car insurance. If you are a young driver with a history of car accidents, chances are you will pay more than your middle-aged neighbor with a clean driving record.
Fortunately, many insurance companies offer numerous discounts to help make your policy more affordable. Your agent can tell you how to maximize the discounts that you are eligible for.
Here are some city factors that will affect your rate:
Commute time: It’s simple: The more time you spend on the road, the more likely it is that you'll be in an accident. Pueblo drivers have commutes that are shorter than the national average, which may help to keep car insurance rates down.
- National Average: 25.4 minutes
- Pueblo Average: 18 minutes
Theft in your city: Car insurance can protect you from the financial consequences of vehicle theft and break-ins. A break-in alone can be costly, leaving you with broken windows to fix and personal property to replace. If your car is stolen, you’ll need help replacing your car and everything in it.
If you are a victim of auto theft, your Pueblo car insurance can reimburse you quickly and minimize your worry. And don’t forget to take precautions to protect your car from thieves.
- Park in safe, well-lit places.
- Don’t leave your keys in your car.
- Don’t leave valuables in your car.
- Always lock your car, even at home.
Pueblo has a very high rate of auto theft compared to the U.S., overall. This may cause car insurance rates for Pueblo drivers to be higher than for drivers in other cities.
- Auto Theft Rate in the U.S. (per 1,000 vehicles): 2.94
- Auto Theft Rate in Pueblo (per 1,000 vehicles): 8.19
How to Find Affordable Auto Insurance in Pueblo
Independent insurance agents aren't tied down to one carrier. They can get quotes from numerous insurance companies, so you have a variety of options. Our local agents will assess your risks and answer your questions. With the right Pueblo auto insurance coverage, you can sleep easy knowing that you and your family are protected.