Best Cheap Auto Insurance in Sterling, CO (2021)

The average Sterling, CO auto insurance rates are $327 per month. The minimum auto insurance in Sterling is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Sterling, Colorado, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Things to Remember

  • Average auto insurance rates in Sterling, CO for senior drivers are $2,348 per year
  • The cheapest auto insurance company in Sterling is Liberty Mutual
  • The minimum auto insurance required in Sterling, Colorado is 25/50/15

Sterling, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Sterling can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Sterling, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in Sterling to other Colorado cities, including Colorado Springs auto insurance rates, Pueblo auto insurance rates, and Denver auto insurance rates to see how Sterling, Colorado auto insurance rates stack up.

Before you buy Sterling, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Sterling, Colorado auto insurance quotes.

Minimum Auto Insurance in Sterling, Colorado

Sterling, Colorado auto insurance laws require that you have at least the Colorado minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Sterling, Colorado.

Minimum Required Auto Insurance Coverage in Sterling, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Sterling, Colorado Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Sterling, Colorado are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Sterling, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,247 $3,046 $2,915 $2,946 $11,037 $11,592 $3,599 $3,626
American Family $2,506 $2,506 $2,256 $2,256 $6,068 $8,106 $2,506 $3,078
Farmers $3,071 $3,062 $2,788 $2,975 $10,832 $10,967 $3,378 $3,463
GEICO $2,260 $2,431 $2,315 $2,572 $6,794 $7,203 $2,081 $2,141
Liberty Mutual $1,783 $1,745 $1,525 $1,673 $4,981 $5,410 $1,792 $1,802
Nationwide $2,701 $2,762 $2,404 $2,557 $6,746 $8,703 $3,096 $3,361
Progressive $2,988 $2,814 $2,509 $2,528 $9,195 $10,294 $3,392 $3,316
State Farm $1,980 $1,980 $1,758 $1,758 $5,426 $6,914 $2,206 $2,604
USAA $2,380 $2,399 $2,247 $2,282 $5,738 $6,613 $3,073 $3,381

Cheap Sterling, Colorado Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Sterling, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Sterling, Colorado.

Annual Auto Insurance Rates for Teen Drivers in Sterling, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,037 $11,592
American Family $6,068 $8,106
Farmers $10,832 $10,967
GEICO $6,794 $7,203
Liberty Mutual $4,981 $5,410
Nationwide $6,746 $8,703
Progressive $9,195 $10,294
State Farm $5,426 $6,914
USAA $5,738 $6,613

Cheap Sterling, Colorado Auto Insurance for Seniors

What are senior auto insurance rates in Sterling, Colorado? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Sterling, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,915 $2,946
American Family $2,256 $2,256
Farmers $2,788 $2,975
GEICO $2,315 $2,572
Liberty Mutual $1,525 $1,673
Nationwide $2,404 $2,557
Progressive $2,509 $2,528
State Farm $1,758 $1,758
USAA $2,247 $2,282

Cheap Sterling, Colorado Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Sterling, Colorado compared to the annual auto insurance rates with a clean record in Sterling, Colorado.

Annual Sterling, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,494 $5,156 $6,277 $5,077
American Family $2,710 $3,842 $5,019 $3,071
Farmers $4,300 $5,478 $5,400 $5,090
GEICO $2,489 $3,823 $4,295 $3,292
Liberty Mutual $2,261 $2,655 $2,763 $2,677
Nationwide $3,080 $4,250 $5,431 $3,404
Progressive $4,036 $5,475 $4,264 $4,743
State Farm $2,853 $3,304 $3,078 $3,078
USAA $2,584 $3,128 $5,426 $2,919

Cheap Sterling, Colorado Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Sterling, Colorado is not easy. Compare the annual rates for DUI auto insurance in Sterling, Colorado to find the best deal.

Annual Auto Insurance Rates After a DUI in Sterling, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,277
American Family $5,019
Farmers $5,400
GEICO $4,295
Liberty Mutual $2,763
Nationwide $5,431
Progressive $4,264
State Farm $3,078
USAA $5,426

Cheap Sterling, Colorado Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Sterling, Colorado annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Sterling, Colorado

Insurance Company Poor Fair Good
Allstate $6,697 $5,159 $3,898
American Family $4,771 $3,378 $2,832
Farmers $5,899 $4,766 $4,536
GEICO $4,182 $3,475 $2,767
Liberty Mutual $3,702 $2,260 $1,804
Nationwide $4,899 $3,858 $3,367
Progressive $5,316 $4,485 $4,087
State Farm $4,277 $2,746 $2,212
USAA $5,230 $2,954 $2,359

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Cheap Sterling, Colorado Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Sterling, Colorado can vary. Compare the annual cost of auto insurance by ZIP code in Sterling, Colorado to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Sterling, Colorado

ZIP Code Average Annual Rates
80751 $3,614

Cheap Sterling, Colorado Auto Insurance Rates By Commute

Commute length and annual mileage affect Sterling, Colorado auto insurance. Find the cheapest annual Sterling, Colorado auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Sterling, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,251 $5,251
American Family $3,583 $3,738
Farmers $5,067 $5,067
GEICO $3,392 $3,557
Liberty Mutual $2,589 $2,589
Nationwide $4,041 $4,041
Progressive $4,630 $4,630
State Farm $3,003 $3,153
USAA $3,413 $3,615

Cheap Sterling, Colorado Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Sterling, Colorado? Check out the comparison of annual Sterling, Colorado auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Sterling, Colorado

Insurance Company Low Medium High
Allstate $4,972 $5,234 $5,548
American Family $3,488 $3,736 $3,758
Farmers $4,533 $5,005 $5,664
GEICO $3,185 $3,419 $3,820
Liberty Mutual $2,435 $2,578 $2,754
Nationwide $4,103 $4,041 $3,980
Progressive $4,392 $4,639 $4,857
State Farm $2,902 $3,079 $3,254
USAA $3,378 $3,514 $3,651

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Best By Category: Cheapest Auto Insurance in Sterling, Colorado

Compare the cheapest auto insurance companies in Sterling, Colorado in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Sterling, Colorado

Category Insurance Company
Teenagers Liberty Mutual
Seniors Liberty Mutual
Clean Record Liberty Mutual
With 1 Accident Liberty Mutual
With 1 DUI Liberty Mutual
With 1 Speeding Violation Liberty Mutual

The Cheapest Sterling, Colorado Auto Insurance Companies

What auto insurance companies in Sterling, Colorado are the cheapest? Compare the top Sterling, Colorado auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Sterling, Colorado

Insurance Company Average Annual Rates
Allstate $5,251
American Family $3,660
Farmers $5,067
GEICO $3,475
Liberty Mutual $2,589
Nationwide $4,041
Progressive $4,630
State Farm $3,078
USAA $3,514

What affects auto insurance rates in Sterling, Colorado?

There are a lot of reasons why auto insurance rates in Sterling, Colorado are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Sterling, Colorado. Many local factors may affect your Sterling auto insurance rates.

Sterling Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sterling, Colorado commute length is 15.9 minutes according to City-Data.

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Compare Sterling, Colorado Auto Insurance Quotes

Before you buy Sterling, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Sterling, Colorado auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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