Compare Sterling, CO Car Insurance Rates (2021)

Car insurance in Sterling, CO averages $327 a month. Sterling, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Sterling car insurance rates, compare quotes from the top car insurance companies in Sterling, CO.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Sterling, CO are $3,923/year
  • Average car insurance rates in Sterling, CO after a DUI are $4,661/year
  • The cheapest car insurance company in Sterling for teen drivers is Liberty Mutual

If you need to buy Sterling, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Sterling, CO is right here.

You’ll find Sterling car insurance rates, the cheapest Sterling, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Sterling, Colorado car insurance rates to Fort Collins car insurance rates, Pueblo car insurance rates, and Denver car insurance rates.

Ready to find affordable Sterling, CO car insurance today? Enter your ZIP code for fast, free Sterling car insurance quotes.

Cheapest Sterling, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Sterling, CO car insurance rates? Every Sterling, Colorado car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Sterling, CO

Every driver must carry the minimum car insurance in Sterling, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car 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

Cheapest Sterling, CO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Sterling, CO. Compare credit history car insurance rates in Sterling from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Sterling, CO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Sterling, CO to rates for a clean record with top companies.

Annual Sterling, Colorado Car 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

Cheapest Sterling, CO Car Insurance for Teen Drivers

Teen car insurance in Sterling, CO can be expensive. Take a look at rates from the top car insurance companies in Sterling for teenagers.

Annual Car 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

Cheapest Sterling, CO Car Insurance for Seniors

Take a look at Sterling, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Sterling, CO Car Insurance Rates After a DUI

A DUI in Sterling, CO increases car insurance rates. Compare Sterling, Colorado DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Sterling, Colorado

Insurance Company Annual Car 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

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Cheapest Sterling, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Sterling, CO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Sterling, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

The Best Cheap Car Insurance Companies in Sterling, CO

Take a look at a side-by-side comparison of the top car insurance companies in Sterling, CO to find the best option for your needs.

Average Annual Car 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

Category Winners: Cheapest Car Insurance in Sterling, Colorado

Find the cheapest car insurance companies in Sterling, CO for each category right here.

Best Annual Car 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

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Cheapest Sterling, CO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Sterling car insurance rates. Find the cheapest Sterling, CO car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Sterling, Colorado?

What factors can have an impact on Sterling, CO car insurance? There are several reasons why Sterling car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Sterling, Colorado.

Commute Time in Sterling

The more time you spend in your car the higher the risk of an accident. The average commute length in Sterling, CO is 15.9 minutes according to City-Data.

Compare Car Insurance Quotes in Sterling, CO

Ready to find affordable Sterling, Colorado car insurance today? Enter your ZIP code for fast, free Sterling, CO car insurance quotes.

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Average Monthly Car Insurance Rates by State