Pueblo Insurance Rates:

Pueblo, CO home insurance is approximately $720 to $976, about $60-$81/month. Our detailed analysis reveals consumers can save as much as $339 by getting different quotes

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Pueblo Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $380/5 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $195,000

4 Beds, 4 Baths 2140 sqft Primary Residence Constructed In 2013 with Carpet over wood flooring, Composition Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Indoor Sprinklers, Central Air Conditioning, Deadbolt Locks, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

73 Years old Single Male who has a Part Time Job with household income of $25-50,000 and has 2 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $390/10 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $160,000

4 Beds, 4 Bath 2170 sqft Primary Residence Constructed In 1983 with Carpet Flooring, Membrane Roof, Slab Foundation, Fiber-Cement Siding, Metal Frame Construction. Home Features Include Deadbolt Locks, Copper Water Pipes, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

62 Years old Single Female who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Guests at home

Home Insurance Rate of $110/3 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $110,000

2 Beds, 2 Bath 1440 sqft Vacation Property Constructed In 1968 with Linoleum, Asphalt Shingles Roof, Crawl Space Foundation, Stone Siding, Wood Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

55 Years old Married Male who is a Freelancer with household income of $25-50,000 and has More than 3 Pets at home and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Home Insurance Rate of $700/10 months for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $185,000

4 Beds, 4 Baths 2420 sqft Rental Property Constructed In 1989 with Hardwood Flooring, Asphalt Shingles Roof, Crawl Space Foundation, Wood siding, Wood Frame. Home Features Include Swimming Pool, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

37 Years old Divorced Female who has a Full Time Job with household income of less than $25,000 and has 2 Pets and is a Smoker

Additional Details :
  • 50-75% Mortgage Paid off

  • 650-699 Credit Score

Home Insurance Rate of $920/12 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

3 Beds, 3 Baths 2370 sqft Primary Residence Constructed In 1969 with Hardwood Flooring, Wood Shake Roof, Crawl Space Foundation, Wood siding, Metal Frame Construction. Home Features Include Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

45 Years old Married Male who has a Part Time Job with household income of less than $25,000 and has 2 Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 550-599 Credit Score

  • Seniors staying at home

Home Insurance Rate of $40/1 month for $50,000-$75,000 Coverage
Policy Holder Home Details :

Home Value : $65,000

1 Bed, 1 Bath 922 sqft Primary Residence Constructed In 1979 with Stone Flooring, Metal Roof, Crawl Space Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, Fire Extinguisher, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

23 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 800-850 Credit Score

  • Seniors staying at home

Pueblo, CO Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
81004 $96,500 $840
81003 $93,900 $850
81006 $176,800 $880
81008 $151,700 $860
81005 $143,000 $860
81001 $106,800 $850

Pueblo Rates & Quotes Analysis:

Pueblo Area Estimated House Insurance
Rush St, Frontage Rd, N Briarwood Pl, Cruz Ct, Barnett Rd, Co Rd 3228, 39th Ln, N Grand Ave, High St, Kachina Dr$862
N Hudson Ave, Canyon River Ct, Ruger Ct, Emerson Ave, la Rochelle Dr, Greene Ave, Wildwood Ln, Co Rd 222, Ash St, N Fountain Ave$840
Wantland Rd, Oneal Ct, Windy Way, Bluestem Blvd, Watseka Ave, Goldking Rd, E 18th St, Hopi Dr, Edison Rd, 36th Ln$868
Illinois Ave, Strawflower Ct, Posada Dr, E 19th St, Hadley Rill, E 19th St, S Putnam Ave, Modesto Pl, I L Ranch Rd, E 17th St$838
Sitter Pl, Reyes St, Minnequa Ave, O Neal Pl, Grenadillo St, Newman Ave, Walnutcrest, Towhee Dr, Thrush Ct, Bobcat Ln$840
W Pitkin Ave, Hollywood Dr, Thames Dr, Vernon Pl, W 3rd St, Alabama Ave, Savage Rd, Vinita St, Cedarwood Ln, Acoma Rd$845
Greenman Dr, Canyon Ln, E 12th St, S Main St, Main St, N Pueblo Blvd, Montebello Rd, Rio Grande Ave, N Salem Ave, Church Ave$840
Franklin Ave, Vinewood Ln, Grissom Pl, N Kingston Ave, Little Burnt Mill Rd, Tabor Ln, Jasper St, South Pl, Carousel Ln, E 10th St$861
Cadena Pl, Mead Ave, Aldrin Ct, Bijou St, Ivywood Ln, W 10th St, Baxter St, Taylor Ave, E Clair Rd, Planeview St$826
N Greenwood St, Randall Rd, Bancroft Ave, Oldham Ave, Carlile Ave, Woodland Ave, Claremont Ave, E 21st St, Altadena Dr, Churchill Rd$847

Insurance rates are influenced by a number of factors including:

  • Year Built: 9,165 Homes (18% of total homes ) built between 1970 to 1979 in Pueblo are paying home insurance between $1,375-$1,388. Places close to Pueblo, CO such as St. Charles Mesa, Colorado City-Rye, Pueblo West are more expensive by $33, $28, $31 respectively while Salt Creek and Northeast Pueblo are cheaper by $20 and $19 respectively for similar homes.
  • Bedrooms: 15,609 2 bedrooms homes (31% of total homes ) in Pueblo are paying about $348 and varies from St. Charles Mesa (+$9), Colorado City-Rye (+$7), Pueblo West (+$8), Salt Creek (-$5) and Victor (-$4).
  • Auto Insurance Bundling: 11,191 Households (40% of all households) in Pueblo have 2 vehicles available and when it is bundled with home insurance you can save $169 and differs from Salt Creek ($167), St. Charles Mesa ($173), Blende ($170).
  • Senior Discounts: 15,535 seniors (more than 55 years) occupied housing units (56% of total) in Pueblo get discounts between $127 to $129 and varies from Salt Creek ($125), St. Charles Mesa ($130), Blende ($127).
  • New Homes discounts: New homes such as the 17,209 homes built between 2000 to 2009 in Pueblo can save $169 and differs from Salt Creek ($167), St. Charles Mesa ($173), Blende ($170).

Pueblo Homeowners insurance Facts

  • Pueblo, CO has 27,495 owner occupied houses which is 60.9% of all units whereas Salt Creek, St. Charles Mesa and Blende have 63.36%, 86.48% and 62.02% respectively.
  • Pueblo, CO homeowners yearly insurance price at $848 is 0.72% of the typical house value of $118,400 which is in contrast with 1.02% in Salt Creek, 0.47% at St. Charles Mesa & 0.64% in Blende.
  • Homeowners in Pueblo, CO pay 1.54% of their income ($50,000 to $59,999) in insurance whereas homeowners in Salt Creek, St. Charles Mesa and Blende pay 1.52%, 1.58% and 1.55% respectively.
  • Pueblo, CO’s insurance is 6.4% of monthly housing costs of $1,106/month, for owners with a mortgage compared to 8.05% in Salt Creek, 5.32% at St. Charles Mesa & 6.53% in Blende. But, for households without a mortgage, insurance is 20.6% of costs ($343 in Pueblo, CO) in contrast with 28.79% in Salt Creek, 18.52% at St. Charles Mesa & 22.12% in Blende.

Pueblo, CO Home Values & Insurance rates

For example, insurance for 4,747 Homes (17.0% of total homes ) valued between $100,000 to $124,999 in Pueblo, CO is about $780. Rates in nearby areas in such as St. Charles Mesa, Blende, Colorado City-Rye are cheaper by $268, $73, $236 respectively while Salt Creek and Williamsburg are costlier by $340 and $8 respectively for similar homes.

Pueblo, CO Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,287 8.0% $178
$50,000 to $59,999 683 2.0% $373
$60,000 to $69,999 1,096 4.0% $457
$70,000 to $79,999 1,502 5.0% $534
$80,000 to $89,999 2,330 8.0% $602
$90,000 to $99,999 2,353 8.0% $678
$100,000 to $124,999 4,747 17.0% $780
$125,000 to $149,999 3,172 11.0% $983
$150,000 to $174,999 2,989 11.0% $1161
$175,000 to $199,999 1,772 6.0% $1339
$200,000 to $249,999 1,594 6.0% $1611
$250,000 to $299,999 1,029 3.0% $1967
$300,000 to $399,999 1,003 3.0% $2501

Renters Insurance in Pueblo

  • Average Renters Insurance in Pueblo :  $256($21/month)

  • Median Gross Rent in Pueblo :  $682

  • Pueblo Renters Insurance to Median Rent Ratio:  3.08%

  • Renter occupied housing units in Pueblo :  17,651

Pueblo Renters Insurance as a Percentage of Rent

Pueblo Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 447 2.0% $364
$200 to $299 897 5.0% $814
$300 to $499 2,799 16.0% $1264
$500 to $749 5,926 35.0% $1939
$750 to $999 4,183 24.0% $2689
$1,000 to $1,499 2,228 13.0% $3814
$1,500 or more 355 2.0% $5464

Rent Affordability in Pueblo:

Approximately 53.0% (9,420) of households are spending more than 35% of their income on gross rent in Pueblo

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 1,712 9.0%
15.0 to 19.9 percent 1,527 8.0%
20.0 to 24.9 percent 1,787 10.0%
25.0 to 29.9 percent 1,824 10.0%
30.0 to 34.9 percent 1,381 7.0%
35.0 percent or more 9,420 53.0%

Pueblo Renters Insurance Discounts:

Pueblo Renters Insurance Discounts by Number of Vehicles in Renter Occupied Housing Units

Number of Vehicles in Pueblo, CO Number of Housing Units % of Total Renters Insurance Insurance Savings by Bundling Auto Insurance
1 vehicle available 9,049 51.0% $25.6
2 vehicles available 3,780 21.0% $38.4
3 or more vehicles available 1,263 7.0% $51.2

Pueblo Senior Citizen Discounts:

Age Senior Occupied Housing Units % of Total Discount offered
55 to 59 years 1,386 7.0% $68
60 to 64 years 1,229 6.0% $54
65 to 74 years 992 5.0% $44
75 years and over 1,252 7.0% $34

Protective device discount in Pueblo Up to :  $38

Claims-free discount in Pueblo Up to :  $51