Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Commerce City for teen drivers is USAA
  • Average car insurance rates in Commerce City, CO for senior drivers are $2,407/year
  • The cheapest car insurance company in Commerce City after a DUI is Liberty Mutual

Average car insurance rates in Commerce City, Colorado are $341 a month. But with a little research you can get a great deal from the top car insurance companies in Commerce City, CO. Before you buy Commerce City, Colorado car insurance, make sure your coverage meets or exceeds the Colorado minimum of 25/50/15.

It may even be helpful to compare Commerce City car insurance rates with Greeley car insurance rates, Boulder car insurance rates, or Centennial car insurance rates to make sure you’re getting the best Commerce City, CO car insurance quotes available.

Need affordable Commerce City, CO car insurance? Enter your ZIP code to compare Commerce City car insurance quotes from multiple car insurance companies near you.

Commerce City, CO Minimum Car Insurance Coverage

Commerce City, Colorado law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.

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

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Commerce City, CO Car Insurance Rates by Coverage Level

Some Commerce City drivers can get by with the Colorado minimum coverage of 25/50/15. Other drivers may need more. See how much your Commerce City, Colorado car insurance rates may be based on the coverage you need.

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

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

Commerce City, Colorado car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Commerce City, CO car insurance, get quotes from multiple car insurance companies in the Commerce City area and see how these criteria affect your 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

Commerce City, CO Car Insurance Rates for Teens

How much is Commerce City, Colorado car insurance for teens? Compare rates from top Commerce City car insurance companies below to help find the cheapest teen car insurance in Commerce City, CO.

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

Commerce City, CO Car Insurance Rates for Seniors

Before seniors buy Commerce City, Colorado car insurance, they should make sure to shop around. Some Commerce City, CO car insurance companies may offer discounts or other savings options for senior car insurance.

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

Commerce City, CO Car Insurance Rates by Credit History

How does your credit history affect Commerce City, CO car insurance rates? Review the numbers here to find out.

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

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Commerce City, CO Car Insurance Rates by Driver History

How does a single speeding ticket affect your Commerce City, Colorado car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Commerce City.

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

Commerce City, CO Car Insurance Rates With a DUI

Even a single DUI can increase your Commerce City, CO car insurance rates. Compare rates below to see which Commerce City car insurance company has the best rates for drivers with a DUI.

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

Commerce City, CO Car Insurance Rates by ZIP Code

Just like Commerce City car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Commerce City, CO car insurance rates fluctuate by ZIP code.

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

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

Commerce City, CO Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Commerce City, CO car insurance rates may be. Let’s take a look at average car insurance rates from top Commerce City companies based on commute time.

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

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Commerce City, CO Cheapest Car Insurance Rates

How do the top Commerce City, Colorado car insurance companies’ average rates stack up against the Commerce City average monthly car insurance rates of $341? Take a look and see.

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

Commerce City, CO Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Commerce City, Colorado car insurance companies to help you find one that best fits 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

Other Factors Affecting Commerce City, CO Car Insurance Rates

Before you buy Commerce City, Colorado car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Commerce City, CO Commute Time

How does your Commerce City, CO commute time compare with the average driver? In Commerce City, the average commute is 30.3 minutes.

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Commerce City, CO Car Insurance Quotes

Compare Commerce City, CO car insurance quotes from multiple companies by entering your ZIP code now.