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
- Insurance Sterling: Liability Requirements
- Car Insurance Sterling-Violations
- Car Insurance Sterling: Your credit and how it affects your Rates
- Insurance Sterling: Sample Rates
- Insurance Sterling: Company Ratings Am best
- Insurance Sterling: Cheapest Full Coverage Rates
- Insurance Sterling: Weather and driving conditions
- Insurance Sterling: Top 10 vehicles we Insure
- Insurance Sterling: How age and gender affect your insurance rates
- Insurance Sterling: Best Liability Rates
Insurance Sterling: Liability Requirements
Are you Shopping for the state minimum required insurance in Sterling?
| State | Minimum Coverage Requirements | Average Cost for Minimum Liability Coverage |
|---|---|---|
| Colorado | 25/50/15 | $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 Companies | Average 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 Divider | Minor | 3 Years |
| Failure to Use Turn Signal | Minor | 3 Years |
| At Fault Accident | Major | 5 Years |
| Failure to Use a Seat Belt | Non Moving | NA* |
| Reckless Driving | Major | 5 Years |
| Speeding | Minor | 3 Years |
| Parking | Non Moving | NA* |
| Expired Tags | Non Moving | NA* |
| Failure to maintain Clear Distance (tailgating | Minor | 3 Years |
| Using a Cell Phone with Driving | Minor | 3 Years |
| No Proof of insurance | Non Moving | NA* |
| Failure to Secure Load to truck/trailer | Minor | 3 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.
| Rating | Average 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.
| Company | J.D. Power Claims | A.M. BEST |
|---|---|---|
| Amica Mutual | 898 | A+ |
| Allstate Auto Insurance | 853 | A+ |
| GEICO Auto Insurance | 879 | A++ |
| Mercury | 837 | A |
| Safeco (A division of Liberty Mutual) | 855 | A |
| The Hartford (AARP insurance) | 873 | A+ |
| Farmers Insurance | 865 | A |
| Esurance | 844 | A+ |
| Progressive Auto Insurance | 856 | A+ |
| American Family Insurance | 857 | A |
| CSAA Insurance Group | 847 | A |
| Liberty Mutual Insurance | 857 | A |
| State Farm | 878 | A++ |
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.
| Rank | Insurance Company | Average Price |
|---|---|---|
| 1 | Bristol West | $125.00 |
| 2 | Mendota | $127.00 |
| 3 | The General | $139.00 |
| 4 | Progressive | $140.00 |
| 5 | Travelers | $184.00 |
| 6 | Liberty Mutual | $192.00 |
| 7 | Dairyland (Viking) | $207.00 |
Insurance Sterling: Weather and driving conditions
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.
| Rank | Vehicle Type |
|---|---|
| 1 | BMW |
| 2 | Chevrolet |
| 3 | Acura |
| 4 | Volkswagen |
| 5 | Nissan |
| 6 | Lexus |
| 7 | Subaru |
| 8 | Ford |
| 9 | GMC |
| 10 | General Motors |
| 11 | Toyota |
| 12 | Hyundai |
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.
| Age | Male | Female |
|---|---|---|
| 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.
| Rank | Company | Average price |
| 1 | Progressive | $88.00 |
| 2 | Dairyland (Viking) | $90.00 |
| 3 | Mendota | $115.00 |
| 4 | The General | $117.00 |
| 5 | Bristol West | $123.00 |
| 6 | Liberty Mutual | $123.00 |
| 7 | Travelers | $129.00 |
Last Updated on by Lauren Mckenzie