Commerce City, CO Car Insurance

The average monthly cost for car insurance in Commerce City is about $81. For information on policy rates, coverage, and more check out our guide below.
How do rates in Commerce City measure up compared to neighboring areas, including Colorado as a whole? How much can residents of Commerce City expect to pay for their car insurance? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Commerce City?

Area Average Monthly Car Insurance Premium
Commerce City$81
CO$71
United States$80

Looking at the chart above, you can see that it is around $10 a month more expensive to insure your vehicle in Commerce City than it is in the rest of Colorado.

The average cost of insuring your vehicle in Commerce City is above the national rate. It's around $1 more expensive to insure your vehicle in Commerce City compared to the average rate for the rest of the U.S.

While these numbers represent the average monthly payments for coverage in Commerce City, that doesn't mean it's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.

We've done the heavy lifting for you and broken down the average rate for Commerce City so that you can get a more accurate idea of what your policy will cost you. To find out if you're getting the cheapest rate, just enter your ZIP Code below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$123
25-34$76
35-44$83
45-54Not Enough Data
55-64$66
65+$63

Generally, the older you are, the more experienced you are on the roads, right? That experience can turn into some real savings when it comes to car insurance premiums. In this case, 18-24-year-olds pay significantly more than drivers 65 and older.

For every 10 years, you can expect to see a drop in your monthly premium. You may see your rates climb back up a bit once you hit retirement age in Commerce City.

Average Car Insurance Rates by Gender

Gender Average
Male$84
Female$78

In general, female drivers pay less for car insurance than their male counterparts. In Commerce City, this difference shakes out to about $6 per month. As illustrated in the table above, male drivers in the area pay about $84 on average, while female drivers pay around $78 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$151
Multiple Accidents$86
1 Ticket$82
Multiple Tickets$96

Depending on your driving record, your rates can vary quite a lot. Those with clean records will see the most affordable rates, whereas even a single accident or infraction can cost you. Drivers in Commerce City with one accident will pay around $151 a month. Similarly, drivers with one ticket will typically pay around $82 on average.

Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$87
2-3 Years$77
4-5 Years$74
6-7 Years$69
8-10 Years$66
11-14 Years$86
15 Years or Older$83

The cheapest vehicles to insure in Commerce City are usually SUVs, with each type typically costing about $69 per month.

Truck and van drivers will see rates of about $82, while the rates for car owners average out to about $86 a month.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, your rates may start to drop back down once your car is around 5 years old. In Commerce City, vehicles less than one year old are the most expensive to insure.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$85
Married$76
Divorced$56
Widowed$68

On average, those who are currently married will pay slightly less for insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.

The cost of auto insurance in Commerce City reflects the national trend of married couples paying less than single drivers to insure their vehicles, to the tune of about $9 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$71
Rent$84
Live with parents$125

Another factor taken into consideration is your housing status. Renters can expect to pay around $13 a month more than homeowners in Commerce City. But those who live at home with their parents can expect to pay significantly more.

Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average premiums, depending on your insurance company.

Car Insurance Companies in Commerce City, CO

Recent trends in car insurance for Commerce City drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending when selecting an auto insurance policy.

In Commerce City, the rates for car insurance rose from 2016-2017, before steadying out in 2018. Insurance rates finished down in 2021, at $75 per month

How does Commerce City compare to neighboring areas?

Why are car insurance rates in Commerce City different from other areas?

Car insurance companies will take into account a lot of factors when figuring out how much to charge for a policy. While we've discussed the ones that affect your personal policy, others are based around where you live. These include things like:

  • Laws
  • Total number of drivers in the community
  • Road Safety (how many accidents each locality has)
  • Off-street parking access
  • Regional crime rates

It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Commerce City?

While knowing what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.

Luckily, Compare.com will handle the heavy lifting for you. Just type in your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering coverage in Commerce City.

Compare the cheapest quotes from dozens of insurance companies

Commerce City Insurance FAQs

What factors affect car insurance quotes in Commerce City?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your gender and age but also factors like your vehicle's year, make and model, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Commerce City different from other neighboring cities?

Auto insurance companies consider regional factors, such as local laws, crime rates, and parking situations into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.

Which car insurance company will offer me the cheapest rate in Commerce City?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Commerce City?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Commerce City or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes