What follows: homeowners coverage for Commerce City, local context, cost drivers, and how to compare quotes without guessing.
Getting to know Commerce City, CO
Commerce City counts roughly 68,245 residents within Colorado.
Commerce City is located in Colorado, where routine insurance shopping is shaped more by the features of each home and carrier appetite than by any single landmark.
The housing stock is a mix of single-family homes typical of Colorado, and replacement cost, roof age, and construction type still explain most premium differences from street to street.
Hail, wind, and wildfire risk can push premiums quickly in Front Range communities after active storm seasons.
What homeowners pay for home insurance in Commerce City
The typical homeowners insurance premium in Commerce City, CO is about $4,270 annually for a typical local home (typical local home value about $463,200). For a $300,000 dwelling, expect around $3,479 per year; for a $600,000 home about $4,895; and for a $1,000,000 dwelling about $6,370. Freedom Insurance Group rates are often about 39% lower — near $2,605 per year for a typical home, roughly $2,122 for a $300,000 home, about $2,986 for a $600,000 home, and around $3,886 for a $1,000,000 home.
| Dwelling Coverage Limits | Average Annual Premium (incl. Windstorm & Hail Coverage) |
|---|---|
| $100,000 – $200,000 | $2,705 |
| $200,000 – $300,000 | $3,023 |
| $300,000 – $400,000 | $3,712 |
| $400,000 – $500,000 | $4,202 |
| $500,000 – $600,000 | $4,677 |
| $600,000 – $700,000 | $5,049 |
| $700,000 – $800,000 | $5,358 |
| $800,000 – $900,000 | $5,762 |
| $900,000 – $1,000,000 | $6,167 |
Band premiums are midpoints on the Commerce City dwelling curve (typical local home value about $463,200). Illustrated estimates, not a quote.
Figures are 2026 market-style estimates for Commerce City, CO, using a typical local home value of about $463,200. Freedom figures apply an approximate 39% savings vs the local typical premium for illustration. Your quote depends on dwelling limit, roof, deductible, claims, and carrier. Not a guarantee.
Home insurance price factors in Commerce City
A homeowners quote in Commerce City is built from several interlocking factors underwriters weigh side by side. The heaviest factors are typically rebuild cost, the roof’s age and material, and local storm or wildfire exposure; deductible choice and claims history can swing the final premium as much as the carrier brand itself.
Define replacement cost as the cost to rebuild the home using similar materials at current labor and supply costs. Since the carrier’s largest possible payout rises with the rebuild estimate, bigger estimates for Commerce City houses generally raise premiums.
Construction type and roof details also move the price: insurers ask frame versus masonry construction, what covers the roof, and the overall build quality, because those details shape how it fares in the wind, hail, and fire seen across Colorado.
Scores for storms, hail, wildfire, and crime make up location risk, which can change from one Commerce City ZIP code or neighborhood to the next, so homes with similar rebuild costs may still price differently.
Underwriters grade fire protection using protection class and how far away hydrants and stations are; a stronger profile tends to mean a better rate.
Claims history stays a major rating input: recent claims on the property or household frequently raise rates for Commerce City renewals and new business quotes alike.
Credit-based insurance score, where state rules allow it, is another lever; better scores generally line up with lower prices when the carrier uses that factor.
How a homeowners policy is built
- Dwelling (Coverage A): It pays to rebuild the house itself after a covered loss, and it should keep pace with current reconstruction costs in your area.
- Other structures (Coverage B): Detached garages, sheds, fences, and similar buildings separate from the main house fall here.
- Personal property (Coverage C): Furniture, clothing, and the other things you own indoors are protected, though some higher-value categories carry special sublimits.
- Loss of use (D): If a covered claim forces you out during repairs, it can cover the extra living costs.
- Personal liability (E): It pays when you are legally responsible for injuries to others or damage to their property from a covered incident.
- Medical payments (F): It can help pay guest medical bills for injuries that occur on your property, often without requiring a formal liability claim.
Discounts for Commerce City, CO homeowners
| Discount | What it means | Typical amount |
|---|---|---|
| New Home | New construction recently purchased | up to 40% |
| Age of home (5 yrs) | Newer homes | up to 26% |
| Bundle | Home and auto together | up to 25% |
| Upgrades | Electrical, plumbing, heating, roof updates | up to 20% |
| Hail-resistant roof | Class 1–4 impact roof | up to 12% |
| Claims-free | Multi-year claims-free history | up to 5% |
| Security / alarms | Monitored fire or burglar alarm | up to 4% |
| Paid in full | Pay annual premium upfront | up to 7% |
Every insurer decides its own discount menu and sizes. Read “up to” as the ceiling, not a promise.
Neighborhoods around Commerce City
- Elyria Swansea
- Adams City
- Beeler Park
- Willow Park
- North End
- Wicker Park
- Conservatory Green
- Mission – The Crossing
Local housing and storm data: Commerce City
The median home in Commerce City was built in 2005. Roughly 30% of homes were built in 2010 or later, and new-home and newer-roof credits come up often.
Home heating in Commerce City runs mainly on utility gas (75%) and electricity (22%).
Tornado history matters here as well: NOAA recorded 7 tornadoes touching down within 10 miles of Commerce City between 2016 and 2025, with the strongest at EF0 in April 2023.
The National Risk Index from FEMA shows elevated ratings for hail (“Very High”), tornado (“Relatively High”), winter-weather (“Very High”), and strong-wind (“Relatively High”) in Adams County.
NOAA’s Storm Events Database lists 29 hail reports within about 7 miles of Commerce City from 2016 through 2025; 24 were one inch or bigger. The biggest measured 2.25 inches in May 2024.
The Census Bureau’s 2020–2024 American Community Survey counts about 23,169 housing units in Commerce City, and owners occupy about 77% of the occupied homes. By structure type, 79% are detached single-family houses and 9.0% are in buildings with two or more units.
From 2000 on, Adams County has appeared in 4 major disaster declarations; the latest is Covid-19 Pandemic (March 2020).
Commerce City dates its official start to 1952. The Census Bureau counted 20,991 people in Commerce City at the 2000 Census and 45,913 at the 2010 Census; its July 2024 estimate is 70,245. That is growth of roughly 235% since 2000.
Going further back, NOAA’s Storm Prediction Center counts 18 hail reports within 5 miles of Commerce City between 1955 and 2015, topped by hail of 2.75 inches on May 26, 2010. Reports of 2-inch or bigger hail number 4 in that span. NOAA Storm Prediction Center records list 61 tornadoes that began within 10 miles of Commerce City from 1950 through 2015; the most powerful, rated F3, touched down on May 18, 1975.
Shopping around the area? Nearby home insurance pages: Brighton (6 mi), Derby (7 mi), and Todd Creek (8 mi).
ZIP codes we serve in and around Commerce City
80022 · 80037 · 80216 · 80239 · 80249 · 80603 · 80640
Bundling home and auto in Commerce City, CO
Average bundle savings, illustrated, not guaranteed. Actual savings depend on the carrier and the drivers.
| Place | 1-car bundle | 2-car bundle | 3-car bundle |
|---|---|---|---|
| Commerce City, Colorado | $258 | $436 | $636 |
How to save on home insurance in Commerce City
- Compare multiple carriers, since risk appetite differs.
- Bundle home and auto when it really lowers the package price.
- Raise deductibles only if you can afford the out-of-pocket hit.
- Ask about roof, alarm, and claims-free credits that apply to your home.
Browse Colorado coverage options
Get home insurance quotes for Commerce City, CO
For Commerce City residents, Freedom Insurance Group checks 25+ carriers. Reach us at (800) 253-1482 or start a free home quote online.
