Erie drivers pay an average of $2,197/year — $426 more than the national average. With 391 crashes per year and a 1.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $673/year.
(888) 217-6781Estimated full coverage auto insurance rates for Erie, CO from top carriers. Rates are adjusted for Erie's 391 annual crashes, 1.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $731 | $122/mo |
| GEICO | $835 | $139/mo |
| Progressive | $938 | $156/mo |
| American Family | $984 | $164/mo |
| State Farm | $1,025 | $171/mo |
Estimates based on 2026 rate filings for ZIP 80516. USAA is cheapest at ~$122/mo. Actual rates vary by driver profile and exact Erie location.
These Erie-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Erie, CO. Takes under 2 minutes.
(888) 217-6781Erie is a smaller city in Colorado with a population of 30,038. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as hailstorms, blizzards, ice, mountain driving hazards, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Erie.
For official Colorado insurance regulations, visit the Colorado Division of Insurance. For driver licensing, see the Colorado DMV.
Your specific ZIP code within Erie can swing your premium by hundreds of dollars. Here's how rates compare across Erie neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 80528 | Erie South Side | $2,091/yr | $174/mo |
| 80518 | Erie North Side | $2,123/yr | $177/mo |
| 80536 | Erie West Side | $2,209/yr | $184/mo |
| 80522 | Erie East Side | $2,232/yr | $186/mo |
| 80516 | Erie Downtown/Central | $2,341/yr | $195/mo |
The cheapest ZIP is 80528 (Erie South Side) at $2,091/yr. The most expensive is 80516 (Erie Downtown/Central) at $2,341/yr — a $250/year difference for the same driver.
Your Erie ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Erie. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,614/yr | $385/mo | +110% vs avg |
| Young Adult (20-25) | $3,076/yr | $256/mo | +40% vs avg |
| Adult (26-35) | $2,197/yr | $183/mo | 0% vs avg |
| Mid-Career (36-50) | $1,933/yr | $161/mo | -12% vs avg |
| Senior (51-65) | $1,824/yr | $152/mo | -17% vs avg |
| 65+ | $1,955/yr | $163/mo | -11% vs avg |
Teens in Erie pay an average of $4,614/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,824/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Colorado cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Erie drivers can save up to $673/year. ZIP 80528 (Erie South Side) has the lowest rates starting at $2,091/yr.
(888) 217-6781Free quote · No obligation · Licensed agents · Under 2 minutes