Auto Insurance – Colorado

Insurance Sterling

The largest city in the northeastern part of the state, Sterling is a farm and ranch community with deep roots on the Colorado prairie. First, step back in time at the Overland Trail Museum, named for the trail that brought the first pioneers to the area. Let the Pioneers at A Plus Insurance root out a great rate for you!

Insurance Sterling: Liability Requirements

Are you Shopping for the state minimum required insurance in Sterling?

StateMinimum Coverage Requirements Average Cost for Minimum Liability Coverage
Colorado25/50/15$510

The state minimum required in Colorado is 25,000 per person for bodily injury, 50,000 for bodily injury or death to all persons in any one accident, and 15,000 for property damage per accident. See the table below for the average rates in Sterling.

Top 5 Insurance CompaniesAverage Monthly Rates
The General$80
Progressive Insurance$84
National General$89
Acceptance RTR$98
Bristol West$100

Car Insurance Sterling-Violations

Violations on your driving record can make your auto insurance rates higher.

Some violations can stay on your record for up to 5 years. Check out the guide below to see some of the most common violations in Sterling, CO and if they are minor or major and how long it can affect your insurance rates.

Major violations are what affects your insurance rate the longest.

VIOLATION NAME Major, Minor, or Non Moving #Years Affecting RATES
Crossing over a Center DividerMinor3 Years
Failure to Use Turn SignalMinor3 Years
At Fault AccidentMajor5 Years
Failure to Use a Seat BeltNon MovingNA*
Reckless DrivingMajor5 Years
SpeedingMinor3 Years
ParkingNon MovingNA*
Expired TagsNon MovingNA*
Failure to maintain Clear Distance (tailgatingMinor3 Years
Using a Cell Phone with DrivingMinor3 Years
No Proof of insuranceNon MovingNA*
Failure to Secure Load to truck/trailerMinor3 Years
If you are involved in an at-fault accident, you can expect it to affect your auto insurance rates for a good 5 years.

Car Insurance Sterling: Your credit and how it affects your Rates

Wondering what kind of things are going to affect your auto insurance premiums?

If you ever got an insurance quote and thought the rate may have been high, that could be for a lot of reasons. One of the most impactful factors is your credit score.

Below, we averaged out how much auto insurance premiums are in Sterling, CO by credit score.

RatingAverage Monthly Insurance Rate
Excellent$135.42
Good$152.60
Average$183.73
Poor$259.86

Insurance Sterling: Sample Rates

Below you will see what our average customer pays for insurance in Sterling, Colorado, but there is simply no “one size fits all” insurance.

Many factors go into the auto insurance rates, such as the company, age and gender of the client, and the type of coverage desired. Having previous insurance also gives customers a discounted rate.

A sample quote below shows a female, age 24 pays roughly $212 for liability on her Suzuki.

Sample Rates in Sterling, Colorado
Sample Quote/ policy location: Sterling
Agent :Sy
Current Company: Travelers
Previous Company: none
Who: male Age: 58 Vehicle: Isuzu Hombre Spacecab
Type of coverage: , state min
Notes: multiple lines, young driver
Rate: $178
Sample Quote/ policy location: Sterling
Agent :Lauren
Current Company: Viking
Previous Company: Bristol West
Who: Age: 18 Vehicle: Volvo S90
Type of coverage: liability insurance , uninsured motorist
Notes: state filing, Driver
Rate: $322
Sample Quote/ policy location: Sterling
Agent :Shawn
Current Company: Bristol West
Previous Company: None
Who: Driver Age: 68 Vehicle: Dodge Caravan Cargo
Type of coverage: auto insurance , state min
Notes: state filing, print
Rate: $238
Sample Quote/ policy location: Sterling
Agent :Katie
Current Company: Progressive
Previous Company: Viking
Who: Age: 37 Vehicle: GMC Sonoma Crew Cab
Type of coverage: liability insurance , sr22
Notes: young driver, deductible
Rate: $334
Sample Quote/ policy location: Sterling
Agent :Shawn
Current Company: Liberty Mutual
Previous Company: Geico
Who: Female Age: 24 Vehicle: Suzuki Vitara
Type of coverage: liability , med pay
Notes: Insurance Card, multi policy
Rate: $212
Sample Quote/ policy location: Sterling
Agent :Lauren
Current Company: Liberty Mutual
Previous Company: Progressive
Who: motorist Age: 67 Vehicle: Chevrolet Express 2500 Cargo
Type of coverage: , med pay
Notes: Price, coverage
Rate: $324

Insurance Sterling: Company Ratings Am best

Looking into your potential new insurance company is important when determining your needs. The AM Ratings ranks insurance companies on their customer service and overall rankings. This can be informational to decide quality vs quantity. It never hurts to do a little research to make sure the company will be a good fit for you and your needs.

CompanyJ.D. Power ClaimsA.M. BEST
Amica Mutual898A+
Allstate Auto Insurance853A+
GEICO Auto Insurance879A++
Mercury837A
Safeco (A division of Liberty Mutual)855A
The Hartford (AARP insurance)873A+
Farmers Insurance865A
Esurance844A+
Progressive Auto Insurance856A+
American Family Insurance857A
CSAA Insurance Group847A
Liberty Mutual Insurance857A
State Farm878A++

Insurance Sterling: Cheapest Full Coverage Rates

The cheapest full coverage rates in Sterling, Colorado are on average of $125. You can earn huge savings calling our agents, and letting them shop the best rates and companies for you! We take the stress out of it all and customize your policy to match exactly what you’re looking for. Check below to see sample rates our customers are paying.

RankInsurance CompanyAverage Price
1Bristol West$125.00
2Mendota$127.00
3The General$139.00
4Progressive$140.00
5Travelers$184.00
6Liberty Mutual$192.00
7Dairyland (Viking)$207.00

Insurance Sterling: Weather and driving conditions

insurance sterling

In Sterling Colorado, the weather can be 88 and sunny in the summer, and snowy with an average of 31 inches in the winter months. Weather conditions effect your driving and the hazards around. Be sure to plan ahead in these situations and make sure you’re leaving yourself plenty of time to stay safe and drive cautious on the roads.

Sterling, Colorado
Summer High: The July high is around 88 degrees
Winter Low: The January low is 23.9 degrees
Rain: 17 inches of rain a year
Snow: 31 inches of snow a year

Insurance Sterling: Top 10 vehicles we Insure

Below you will see the top 10 vehicles we insure in Sterling Colorado. These vehicles are ranked great for the Colorado Elements. Ranked number 1 is the BMW and ranked last is the Hyundai. Vehicles can be cheaper to insure, and purchase depending the city and state. Looking for a new car? Check below for the most popular in your area.

RankVehicle Type
1BMW
2Chevrolet
3Acura
4Volkswagen
5Nissan
6Lexus
7Subaru
8Ford
9GMC
10General Motors
11Toyota
12Hyundai

Insurance Sterling: How age and gender affect your insurance rates

Age and gender affect your insurance rates, believe it or not. A person in their 50s to early 60s will pay the least in their lifetime on insurance because of their driving experience whereas a person just starting out in their teens will pay more. Also, males pay more for insurance than females.

AgeMaleFemale
16-18$ 231.84$ 184.09
19-24$ 193.20$ 161.00
25-30$ 139.84$ 124.84
31-40$ 110.40$ 106.08
41-50$ 109.48$ 98.44
50-65$ 99.36$ 101.48
65+$ 106.08$ 114.08

Insurance Sterling: Best Liability Rates

We have chosen sample rates our customers are receiving through our agency in Sterling Colorado. The lowest liability costs on average $88 a term. Whereas, the highest with Travelers is roughly $129 for a term (usually 6 months). Look below for our sample rates and see if we can save you some money by switching.

RankCompanyAverage price
1Progressive$88.00
2Dairyland (Viking)$90.00
3Mendota$115.00
4The General$117.00
5Bristol West$123.00
6Liberty Mutual$123.00
7Travelers$129.00
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Last Updated on by Shawn Christie