Insurance Sterling CO
Table of contents
- Insurance Sterling CO
- Violations in Sterling CO
- Your credit and how it affects your insurance premiums
- Liability Insurance requirements
- Sample rates
- Sterling Insurance Company ratings Am best
- Cheapest Full Coverage Insurance Rates in Sterling
- Weather and driving conditions
- Sterling Top 10 vehicles we Insure
- How age and gender affect your insurance rates
- Best Liability Insurance rates In Sterling
Violations in Sterling CO
| Violation Name | Major, Minor, or Non Moving | How Long it Will Affect Your Insurance 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 |
Your credit and how it affects your insurance premiums
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 main reasons and factors is your credit score. Below, we averaged out how much auto insurance premiums are in Sterling, CO by credit score.
Credit Impact on Insurance rates in Sterling
Average premium by score
| Excellent | $135.42 |
| Good | $152.60 |
| Average | $183.73 |
| Poor | $259.86 |
Liability Insurance requirements
| State | Minimum Coverage Requirements | Average Cost for Minimum Liability Coverage |
| Colorado | 25/50/15 | $510 |
Sample rates
Below you will see what our average customer pays for insurance in Sterling, Colorado. 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 |
Sterling Insurance Company ratings Am best
| COMPANY | J.D. POWER CLAIMS | A.M. BEST RATING |
| 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++ |
Cheapest Full Coverage Insurance Rates in Sterling
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 | 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 |
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
Sterling Top 10 vehicles we Insure
Below youll 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.
| 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 |
How age and gender affect your insurance rates
| 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 |
Best Liability Insurance rates In Sterling
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 |