Auto Insurance Erie Co

How Do Traffic Violations Impact Auto Insurance in Erie, CO?

No one wants to see flashing lights in the rearview mirror, but in Erie, even minor traffic violations can have a long-term impact on your auto insurance rates. Insurers review your driving record and classify violations into Minor, Major, and Non-Moving categories. The type of violation determines how long it stays on your record and how much it may raise your monthly premium.

Minor Violations – Typically stay on your record for 3 years:

Speeding (1–10 MPH over the limit)
Failure to yield
Failure to stop at a traffic light or stop sign
Improper lane usage
Failure to use a turn signal
Failure to stop for pedestrians
Not securing a load on your truck or trailer

Major Violations – May affect your insurance for 5 years or more:

Reckless driving
DUI or DWI
Driving without a license

Non-Moving Violations – Usually no direct insurance impact:

Expired tags
No proof of insurance
Failure to wear a seat belt

Tip: Always ask your agent how long your specific violations will impact your policy. It could make a difference when shopping for a cheaper quote.

What Factors Affect Auto Insurance Rates in Erie, Colorado?

Your insurance premium is based on several personal and geographic risk factors. While some states limit what can be used to calculate your rate, Colorado allows insurers to weigh multiple criteria.

Heavily weighted factors:

Age (younger drivers = higher rates)
Credit history (poor credit = higher premiums)
Major violations like DUIs
Claims history

Moderately weighted factors:

Where you live in Erie (ZIP code, traffic volume, theft rates)
Type of coverage (liability only vs full coverage)
Vehicle’s safety features and value

Low impact factors:

Anti-theft device
Length of vehicle ownership
Your profession or education level

How Much Can You Really Save on Auto Insurance in Erie?

New customers in Erie save an average of $586.55 on their auto insurance when switching providers through a broker like A Plus Insurance.

Think about it this way:

That savings equals 43 months of Netflix
Or about 435 candy bars
Or over 107,000 peanuts!

All jokes aside, it’s serious savings that can help with other household expenses.

What Are the Cheapest Liability Insurance Rates in Erie, CO?

Colorado’s state minimum coverage requirement is 25/50/15, which means:

$25,000 bodily injury per person
$50,000 bodily injury per accident
$15,000 in property damage

In Erie, average cost for liability-only coverage is about $510–$515 per year. But many drivers save even more depending on driving history and discounts.

Cheapest liability insurers (in order of affordability):

Progressive
Dairyland
Bristol West
Mendota
Travelers
The General
Liberty Mutual

Portland Car Insurance Sr22 Requirements And Quotes

How Much Does Full Coverage Insurance Cost in Erie?

Full coverage includes liability, collision, and comprehensive coverage. This is ideal if you:

Have a financed or leased vehicle
Want protection against theft, hail, and collisions
Drive a newer or high-value car

In Erie:

Average annual full coverage = $943.94
State average = $934.59

Progressive, Mendota, The General, and Bristol West offer some of the lowest full coverage rates in Erie.

What Do Sample Auto Insurance Rates Look Like in Erie?

Insurance rates vary depending on age, vehicle type, coverage level, and driving record. Here are examples of real customer quotes (anonymized):

Sample Profiles:

46 y/o driver | Toyota Tundra | Liability Only | Multi-policy | High risk
- $241/month
24 y/o driver | Range Rover Sport | State Minimum | New customer
- $263/month
37 y/o driver | Chevrolet Traverse | SR22 Requirement | DUI
- $314/month
56 y/o homeowner | Ford Windstar | Full Coverage | Ticket + DUI
- $182/month

Tip: High-risk drivers, DUI history, and SR22 filings will increase premiums, but shopping across multiple companies can still help lower your cost.