Best Cheap Auto Insurance in Sterling, KS (2021)

The average Sterling, KS auto insurance rates are $278 per month. The minimum auto insurance in Sterling is at least 25/50/25 in coverage to comply with Kansas auto insurance laws. To find the best cheap auto insurance in Sterling, Kansas, 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: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Sterling is American Family
  • Average auto insurance rates in Sterling, KS for senior drivers are $1,967 per year
  • The average commute length in Sterling is 12.2 minutes

Sterling, Kansas auto insurance requirements are 25/50/25 according to Kansas 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, Kansas, including driving record, credit, commute time, and more.

Compare auto insurance in Sterling to other Kansas cities, including Wichita auto insurance rates, Shawnee auto insurance rates, and Kansas City auto insurance rates to see how Sterling, Kansas auto insurance rates stack up.

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

Minimum Auto Insurance in Sterling, Kansas

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

Minimum Required Auto Insurance Coverage in Sterling, Kansas

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

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

Auto insurance rates in Sterling, Kansas 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, Kansas

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 $2,658 $2,593 $2,360 $2,425 $6,986 $7,746 $2,746 $2,849
American Family $1,715 $1,715 $1,547 $1,547 $3,222 $3,849 $1,715 $1,915
Farmers $2,569 $2,553 $2,297 $2,396 $6,877 $7,123 $2,893 $3,049
GEICO $2,420 $2,366 $2,443 $2,273 $4,439 $5,960 $2,802 $2,038
Liberty Mutual $2,402 $2,600 $2,256 $2,519 $10,464 $11,698 $2,658 $2,884
Nationwide $1,884 $1,949 $1,672 $1,808 $3,784 $4,660 $2,179 $2,326
Progressive $2,317 $2,220 $1,869 $1,944 $8,275 $9,347 $2,737 $2,926
State Farm $1,926 $1,926 $1,671 $1,671 $4,884 $6,264 $2,159 $2,420
Travelers $2,105 $2,148 $2,024 $2,059 $8,266 $12,930 $2,149 $2,576
USAA $1,396 $1,431 $1,272 $1,296 $4,580 $4,837 $1,837 $1,934

Cheap Sterling, Kansas Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Sterling, Kansas

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,986 $7,746
American Family $3,222 $3,849
Farmers $6,877 $7,123
GEICO $4,439 $5,960
Liberty Mutual $10,464 $11,698
Nationwide $3,784 $4,660
Progressive $8,275 $9,347
State Farm $4,884 $6,264
Travelers $8,266 $12,930
USAA $4,580 $4,837

Cheap Sterling, Kansas Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Sterling, Kansas

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,360 $2,425
American Family $1,547 $1,547
Farmers $2,297 $2,396
GEICO $2,443 $2,273
Liberty Mutual $2,256 $2,519
Nationwide $1,672 $1,808
Progressive $1,869 $1,944
State Farm $1,671 $1,671
Travelers $2,024 $2,059
USAA $1,272 $1,296

Cheap Sterling, Kansas 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, Kansas compared to the annual auto insurance rates with a clean record in Sterling, Kansas.

Annual Sterling, Kansas Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,300 $3,832 $4,372 $3,678
American Family $2,115 $2,265 $2,115 $2,115
Farmers $3,138 $4,030 $3,928 $3,781
GEICO $1,946 $3,187 $4,922 $2,316
Liberty Mutual $3,571 $5,289 $5,201 $4,679
Nationwide $1,892 $2,181 $3,885 $2,172
Progressive $3,657 $4,266 $3,814 $4,081
State Farm $2,674 $3,056 $2,865 $2,865
Travelers $3,154 $4,078 $5,582 $4,315
USAA $1,705 $2,284 $3,352 $1,950

Cheap Sterling, Kansas Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Sterling, Kansas

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,372
American Family $2,115
Farmers $3,928
GEICO $4,922
Liberty Mutual $5,201
Nationwide $3,885
Progressive $3,814
State Farm $2,865
Travelers $5,582
USAA $3,352

Cheap Sterling, Kansas Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Sterling, Kansas

Insurance Company Poor Fair Good
Allstate $4,707 $3,567 $3,112
American Family $2,808 $1,994 $1,656
Farmers $4,384 $3,485 $3,289
GEICO $4,806 $2,542 $1,930
Liberty Mutual $4,685 $4,685 $4,685
Nationwide $2,818 $2,473 $2,306
Progressive $4,553 $3,804 $3,506
State Farm $4,172 $2,493 $1,930
Travelers $4,960 $4,023 $3,863
USAA $3,182 $2,079 $1,707

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Cheap Sterling, Kansas Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Sterling, Kansas

ZIP Code Average Annual Rates
67579 $3,502

Cheap Sterling, Kansas Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Sterling, Kansas

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,795 $3,795
American Family $2,125 $2,181
Farmers $3,719 $3,719
GEICO $3,027 $3,159
Liberty Mutual $4,685 $4,685
Nationwide $2,533 $2,533
Progressive $3,954 $3,954
State Farm $2,793 $2,937
Travelers $4,282 $4,282
USAA $2,254 $2,392

Cheap Sterling, Kansas Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Sterling, Kansas

Insurance Company Low Medium High
Allstate $3,694 $3,788 $3,904
American Family $2,181 $2,262 $2,016
Farmers $3,573 $3,700 $3,885
GEICO $3,003 $3,089 $3,186
Liberty Mutual $4,585 $4,675 $4,795
Nationwide $2,672 $2,504 $2,422
Progressive $3,758 $3,925 $4,181
State Farm $2,768 $2,872 $2,955
Travelers $4,081 $4,288 $4,477
USAA $2,253 $2,318 $2,398

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Best By Category: Cheapest Auto Insurance in Sterling, Kansas

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

Best Annual Auto Insurance Rates by Company in Sterling, Kansas

Category Insurance Company
Teenagers American Family
Seniors USAA
Clean Record USAA
With 1 Accident Nationwide
With 1 DUI American Family
With 1 Speeding Violation USAA

The Cheapest Sterling, Kansas Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Sterling, Kansas

Insurance Company Average Annual Rates
Allstate $3,795
American Family $2,153
Farmers $3,719
GEICO $3,093
Liberty Mutual $4,685
Nationwide $2,533
Progressive $3,954
State Farm $2,865
Travelers $4,282
USAA $2,323

What affects auto insurance rates in Sterling, Kansas?

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

Sterling Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Sterling, Kansas auto theft statistics, there have been 5 auto thefts in the city.

Sterling Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sterling, Kansas commute length is 12.2 minutes according to City-Data.

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Compare Sterling, Kansas Auto Insurance Quotes

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