One of the many considerations that help determine auto insurance rates is where you keep your vehicle in Commerce City. Regions with more people or even just more weather-related claims are more likely to have higher rates, whereas areas with less people or fewer weather incidents have the gratification of cheaper auto insurance rates.

The following table shows the most expensive places in Colorado to purchase auto insurance in. Commerce City ranks #5 costing $1,354 for car insurance, which is about $113 monthly.

Car insurance prices in Commerce City
Rank City Premium Per Year
1 Pueblo $1,412
2 Denver $1,383
3 Lakewood $1,378
4 Aurora $1,375
5 Commerce City $1,354
6 Security-Widefield $1,330
7 Colorado Springs $1,316
8 Arvada $1,295
9 Littleton $1,293
10 Northglenn $1,290
11 Ken Caryl $1,287
12 Thornton $1,281
13 Brighton $1,273
14 Centennial $1,265
15 Westminster $1,234
16 Highlands Ranch $1,229
17 Parker $1,220
18 Broomfield $1,215
19 Castle Rock $1,211
20 Boulder $1,207
21 Greeley $1,156
22 Longmont $1,133
23 Grand Junction $1,120
24 Fort Collins $1,089
25 Loveland $1,074
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Price information shown is comparative as the specific garaging location can influence auto insurance rates considerably.

Now that we understand where Commerce City ranks compared to other Colorado cities, comparing rates for low-priced insurance is tough enough, and determining which company offers the cheapest insurance rates in Commerce City may require a little more work. Each company uses a different method for determining rates in each state, so we'll go over the insurance companies with the overall cheapest rates in Colorado.

Best Auto Insurance Prices in Commerce City

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Colorado auto insurance company rankings
Rank Company Cost Per Year
1 The Hartford $850
2 Grange $949
3 USAA $1,009
4 Nationwide $1,121
5 Auto-Owners $1,168
6 Travelers $1,171
7 GEICO $1,187
8 State Farm $1,209
9 American Family $1,314
10 Progressive $1,376
11 Amica $1,381
12 Allied $1,439
13 California Casualty $1,502
14 Farmers $1,565
15 Colorado Farm Bureau $1,640
16 MetLife $1,866
17 Allstate $2,015
18 Encompass $2,187
19 Safeco $2,547
20 Titan $2,738
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The Hartford quotes some of the cheapest car insurance rates in Commerce City at around $850 each year. Grange, USAA, Nationwide, and Auto-Owners also are some of the cheaper Commerce City, CO auto insurance companies.

As shown in the rates above, if you are insured with Nationwide and switched to The Hartford, you might achieve a yearly price reduction of upwards of $271. Policyholders with Auto-Owners might save as much as $318 a year, and Travelers customers might lower prices by up to $321 a year.

To discover how much you can save, click here to begin a quote or visit any of the low-priced companies below.

It's important to note that these estimates are averaged across all drivers and vehicles and do not take into consideration an exact vehicle garaging location in Commerce City. So the car insurance company that can offer the best rates for your situation may not even be in the list above. That underscores the importance of why you need to quote rates from as many companies as possible using your own individual information.

Can you find cheaper Commerce City car insurance?

Colorado insurance rates are impacted by many factors which can significantly increase or decrease the price you pay for coverage. Simply having another birthday, moving to a new city, or getting a driving violation can trigger price changes that may make certain companies cheaper than competitors.

Additionally, insurance companies change rates as often as every quarter to adjust for unexpected claims or profits. An unexpected high level of claims can result in rate increases, while profitable underwriting can result in more affordable Commerce City car insurance rates.

To illustrate this example, the chart below shows the cheapest car insurance in Commerce City, CO for a 40-year-old female driver with no violations or accidents, and solid credit. If we estimate rates based on her personal risk profile, The Hartford may have the best car insurance rates in Commerce City at $1,058 a year. This is $520 less than the average rate paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and Auto-Owners are the rest of the most affordable Commerce City, CO auto insurance companies.

Let's now give the driver from the first set of rates a chargable claim, a lower credit score, and a traffic ticket or two. Due to the fact that every auto insurer has a unique formula for establishing rates, comparing insurance quotes could now result in a completely different list of affordable companies as shown below.

Travelers now has the best car insurance rate in Commerce City with State Farm, Grange, American Family, and Progressive also being competitive. This example illustrates why Colorado drivers need to shop around with many companies to find the lowest car insurance rates in Commerce City.

Auto insurance prices can be determined by many factors and change frequently, so the cheapest company six months ago may now be quite expensive.

The vehicle model you are seeking coverage for is probably the biggest factor when comparison shopping for cheap car insurance in Commerce City. Vehicles with economical engines, modern passenger safety features, or low incidents of liability claims will cost less to insure than adrenaline junky models.

The next list showcases auto insurance rates for a selection of the cheaper vehicles to insure in Colorado.

Cheapest Vehicles to Insure in Commerce City, CO
Make and Model Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $1,386
Honda CR-V EX-L 4WD $1,419
Dodge Grand Caravan CV $1,421
Ford Escape XLT 4WD $1,469
Volkswagen Jetta LE 4-Dr Sedan $1,502
Toyota Prius $1,543
Ford F-150 XL Super Cab 4WD $1,553
Ford Explorer XLT AWD $1,562
Nissan Altima 2.5 S 4-Dr Sedan $1,584
Ford Edge Limited 2WD $1,612
GMC Sierra SLE Crew Cab 4WD $1,622
Chevrolet Impala LS $1,612
Chevrolet Equinox LTZ AWD $1,617
Chevrolet Malibu LTZ $1,612
Ford Focus S 4-Dr Sedan $1,655
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Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rate quotes do not factor in the specific area where the vehicle is garaged which can lower or raise insurance rates significantly.

Based upon the table data, we can presume that vehicles like the Hyundai Elantra, Honda CR-V, Dodge Grand Caravan, and Ford Escape will definitely be the most affordable vehicles to insure for drivers in Commerce City.

Get discounts on Commerce City auto insurance

Insurers that provide coverage in Commerce City may also offer policy discounts that could lower prices by 25% or more if you are eligible for them. Larger car insurance companies and their offered discounts can be found below.

The information below visualizes the comparison of insurance costs with and without discounts applied to the premium. The premiums assume a female driver, no accidents or driving violations, Colorado state minimum liability limits, full coverage, and $100 deductibles.

The first bar for each age group shows premium with no discounts. The second shows the rates with multiple vehicle, safe-driver, vehicle safety, defensive driving course, claim-free, and marriage discounts applied. When discounts are applied, the average savings per year on car insurance in Commerce City is 28% or $712.

Full coverage versus liability only rates

Finding the cheapest car insurance is the goal of the majority of people, and a good way to find cheap insurance in Commerce City is to only pay for liability coverage. The illustration below shows the comparison of annual premium costs with full physical damage coverage compared to only buying liability only. The data assumes no claims or violations, $100 deductibles, marital status is single, and no policy discounts are applied.

Averaged out for all age groups, full coverage costs $2,242 per year more than carrying just liability coverage. Lot's of drivers question if it's worth it to buy full coverage. There is no clear-cut formula that is best for determining when to drop full coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then it may be the right time to buy liability only.

For example, let's pretend your vehicle's settlement value is $4,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $3,500 after the policy deductible has been paid. If you are paying in excess of $350 annually for your policy with full coverage, then you might want to think about dropping full coverage.

There are a few cases where eliminating full coverage is not a good idea. If you still owe a portion of the original loan, you have to carry full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you don't have enough money to buy a different vehicle if your current one is totaled, you should not consider dropping full coverage.

Driving violations and accidents

The best way to score good car insurance rates in Commerce City for drivers in Commerce City is to be a safe driver and avoid traffic citations and accidents. The example below highlights how traffic violations and at-fault claims can impact annual premium costs for each age group. The data is based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no discounts are taken into consideration.

The data charted above shows the average cost of auto insurance per year with no accidents or violations is $1,877. Get two speeding tickets and the average cost jumps to $2,589, an increase of $712 each year. Now get two accidents along with the two speeding tickets and the yearly cost of car insurance in Commerce City increases to an average of $5,386. That's an increase of $3,509, or $292 per month, just for not keeping your driving record clean!

How to find more affordable insurance in Commerce City

The list below summarizes some penny-pinching ideas that can help drivers buy cheaper car insurance.

The last tip in the list is particularly significant, as was stressed in the prior article. Car insurance prices fluctuate constantly, so drivers shouldn't be reluctant to buy from a new company if a cheaper rate is available. Brand loyalty is great, but it's not recommended if that loyalty ends up costing potentially thousands of dollars a year. In less than five minutes you could compare rates to find cheaper auto insurance in Commerce City.