Compare Commerce City, CO Car Insurance Rates (2021)

Car insurance in Commerce City, CO averages $341 a month. Commerce City, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Commerce City car insurance rates, compare quotes from the top car insurance companies in Commerce City, CO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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

  • The cheapest ZIP code in Commerce City is 80640
  • Average car insurance rates in Commerce City, CO after a DUI are $4,879/year
  • Average car insurance rates in Commerce City, CO are $4,093/year

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

You’ll find Commerce City car insurance rates, the cheapest Commerce City, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Commerce City, Colorado car insurance rates to Pueblo car insurance rates, Colorado Springs car insurance rates, and Aurora car insurance rates.

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

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

How do age, gender, and marital status affect Commerce City, CO car insurance rates? Every Commerce City, 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 Commerce City, 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 $3,452 $3,214 $3,139 $3,168 $12,431 $13,067 $3,741 $3,736
American Family $2,814 $2,814 $2,543 $2,543 $6,782 $9,115 $2,814 $3,436
Farmers $3,353 $3,315 $3,037 $3,293 $12,969 $13,016 $3,680 $3,694
GEICO $1,948 $2,149 $2,144 $2,488 $6,214 $6,507 $1,766 $1,759
Liberty Mutual $1,965 $1,880 $1,683 $1,859 $6,395 $6,965 $1,980 $1,972
Nationwide $2,602 $2,646 $2,332 $2,460 $6,588 $8,415 $2,995 $3,232
Progressive $2,537 $2,373 $2,235 $2,223 $8,767 $9,780 $2,850 $2,764
State Farm $2,193 $2,193 $1,997 $1,997 $6,550 $8,262 $2,462 $2,915
USAA $2,184 $2,164 $2,098 $2,081 $5,672 $6,469 $2,802 $3,022

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Minimum Car Insurance in Commerce City, CO

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

Minimum Required Car Insurance Coverage in Commerce City, 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 Commerce City, CO Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Commerce City, Colorado

Insurance Company Poor Fair Good
Allstate $7,336 $5,645 $4,250
American Family $5,317 $3,806 $3,200
Farmers $6,731 $5,464 $5,188
GEICO $3,754 $3,122 $2,490
Liberty Mutual $4,400 $2,712 $2,150
Nationwide $4,726 $3,742 $3,258
Progressive $4,768 $4,071 $3,735
State Farm $4,950 $3,189 $2,574
USAA $4,878 $2,803 $2,253

Cheapest Commerce City, 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 Commerce City, CO to rates for a clean record with top companies.

Annual Commerce City, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,861 $5,625 $6,946 $5,543
American Family $3,050 $4,293 $5,633 $3,454
Farmers $4,884 $6,300 $6,218 $5,776
GEICO $2,173 $3,437 $4,059 $2,819
Liberty Mutual $2,717 $3,176 $3,269 $3,188
Nationwide $3,010 $4,108 $5,206 $3,311
Progressive $3,618 $5,112 $3,818 $4,216
State Farm $3,267 $3,876 $3,571 $3,571
USAA $2,402 $2,951 $5,188 $2,705

Cheapest Commerce City, CO Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Commerce City, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,431 $13,067
American Family $6,782 $9,115
Farmers $12,969 $13,016
GEICO $6,214 $6,507
Liberty Mutual $6,395 $6,965
Nationwide $6,588 $8,415
Progressive $8,767 $9,780
State Farm $6,550 $8,262
USAA $5,672 $6,469

Cheapest Commerce City, CO Car Insurance for Seniors

Take a look at Commerce City, 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 Commerce City, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,139 $3,168
American Family $2,543 $2,543
Farmers $3,037 $3,293
GEICO $2,144 $2,488
Liberty Mutual $1,683 $1,859
Nationwide $2,332 $2,460
Progressive $2,235 $2,223
State Farm $1,997 $1,997
USAA $2,098 $2,081

Cheapest Commerce City, CO Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Commerce City, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,946
American Family $5,633
Farmers $6,218
GEICO $4,059
Liberty Mutual $3,269
Nationwide $5,206
Progressive $3,818
State Farm $3,571
USAA $5,188

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Cheapest Commerce City, CO Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Commerce City, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,744 $5,744
American Family $4,019 $4,196
Farmers $5,795 $5,795
GEICO $3,059 $3,185
Liberty Mutual $3,087 $3,087
Nationwide $3,909 $3,909
Progressive $4,191 $4,191
State Farm $3,481 $3,661
USAA $3,218 $3,405

Cheapest Commerce City, CO Car Insurance Rates by ZIP Code

Commerce City car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Commerce City, CO.

Annual Car Insurance Rates by ZIP Code in Commerce City, Colorado

ZIP Code Average Annual Rates
80022 $3,818
80640 $3,748

The Best Cheap Car Insurance Companies in Commerce City, CO

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

Average Annual Car Insurance Rates by Company in Commerce City, Colorado

Insurance Company Average Annual Rates
Allstate $5,744
American Family $4,108
Farmers $5,795
GEICO $3,122
Liberty Mutual $3,087
Nationwide $3,909
Progressive $4,191
State Farm $3,571
USAA $3,311

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Category Winners: Cheapest Car Insurance in Commerce City, Colorado

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

Best Annual Car Insurance Rates by Company in Commerce City, Colorado

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

Cheapest Commerce City, CO Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Commerce City, Colorado

Insurance Company Low Medium High
Allstate $5,376 $5,720 $6,135
American Family $3,888 $4,191 $4,244
Farmers $5,032 $5,706 $6,645
GEICO $2,682 $3,036 $3,648
Liberty Mutual $2,881 $3,074 $3,307
Nationwide $3,880 $3,911 $3,935
Progressive $3,809 $4,206 $4,558
State Farm $3,287 $3,574 $3,853
USAA $3,147 $3,312 $3,475

What affects car insurance rates in Commerce City, Colorado?

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

Commute Time in Commerce City

The more time you spend in your car the higher the risk of an accident. The average commute length in Commerce City, CO is 30.3 minutes according to City-Data.

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Compare Car Insurance Quotes in Commerce City, CO

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

Free Car Insurance Comparison

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