Commerce City drivers pay an average of $2,258/year — $487 more than the national average. With 812 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $734/year.
(888) 217-6781Estimated full coverage auto insurance rates for Commerce City, CO from top carriers. Rates are adjusted for Commerce City's 812 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $751 | $125/mo |
| GEICO | $858 | $143/mo |
| Progressive | $964 | $161/mo |
| American Family | $1,012 | $169/mo |
| State Farm | $1,053 | $176/mo |
Estimates based on 2026 rate filings for ZIP 80216. USAA is cheapest at ~$125/mo. Actual rates vary by driver profile and exact Commerce City location.
These Commerce City-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Commerce City, CO. Takes under 2 minutes.
(888) 217-6781With 62,418 residents, Commerce City is a growing community in Colorado where auto insurance rates reflect a balance between urban and suburban driving conditions. Traffic is generally lighter than in the state's largest cities, but local factors like hailstorms, blizzards, ice, mountain driving hazards and commuter corridors still influence premiums. Commerce City drivers often find rates slightly below the Colorado state average.
For official Colorado insurance regulations, visit the Colorado Division of Insurance. For driver licensing, see the Colorado DMV.
Your specific ZIP code within Commerce City can swing your premium by hundreds of dollars. Here's how rates compare across Commerce City neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 80225 | Commerce City South Side | $2,090/yr | $174/mo |
| 80217 | Commerce City North Side | $2,193/yr | $183/mo |
| 80232 | Commerce City West Side | $2,208/yr | $184/mo |
| 80220 | Commerce City East Side | $2,319/yr | $193/mo |
| 80216 | Commerce City Downtown/Central | $2,475/yr | $206/mo |
The cheapest ZIP is 80225 (Commerce City South Side) at $2,090/yr. The most expensive is 80216 (Commerce City Downtown/Central) at $2,475/yr — a $385/year difference for the same driver.
Your Commerce City ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Commerce City. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,742/yr | $395/mo | +110% vs avg |
| Young Adult (20-25) | $3,161/yr | $263/mo | +40% vs avg |
| Adult (26-35) | $2,258/yr | $188/mo | 0% vs avg |
| Mid-Career (36-50) | $1,987/yr | $166/mo | -12% vs avg |
| Senior (51-65) | $1,874/yr | $156/mo | -17% vs avg |
| 65+ | $2,010/yr | $168/mo | -11% vs avg |
Teens in Commerce City pay an average of $4,742/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,874/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.
Commerce City drivers can save up to $734/year. ZIP 80225 (Commerce City South Side) has the lowest rates starting at $2,090/yr.
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