Freedom Insurance Group helps Firestone households compare auto coverage without the runaround. Phone (800) 253-1482, or request a quote online.
Average Firestone, Colorado car insurance rates
These figures are estimates and averages for illustration meant only for comparison, not guaranteed quotes. Drivers, vehicles, and ZIP code, together with limits, deductibles, credit where allowed, and claims history, decide the real price.
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Colorado | $172.40 |
| Firestone, Colorado | $167.57 |
Cheapest car insurers for Firestone, CO drivers
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | GEICO | $136.97 |
| 2 | Progressive | $157.15 |
| 3 | Elephant | $157.85 |
| 4 | Travelers | $157.94 |
| 5 | Safeco | $167.34 |
| 6 | Root | $172.88 |
| 7 | Kemper BVP | $179.56 |
| 8 | Allstate | $185.99 |
| 9 | National General NS | $190.12 |
| 10 | Chubb | $208.88 |
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,123.57 |
| 20s | $127.74 |
| 30s | $124.10 |
| 40s | $131.55 |
| 50s | $126.32 |
| 60s | $110.03 |
| 70+ | $115.71 |
Check Out Other Rates in Firestone, CO Nearby Cities:
Coverage explainers for Firestone drivers
Minimum liability satisfies the legal minimum in Colorado, but it rarely covers the cost of a serious injury claim or a newer financed vehicle. Treat the outline below as a checklist while you compare quotes for Firestone.
- Liability: bodily injury & property damage: This is the coverage that pays others when you are at fault. A long, traffic-heavy commute, savings, or home equity make it worth it to look at higher limits.
- Collision: Pays for your vehicle’s damage in a crash with a car or object, subject to the deductible.
- Comprehensive: This matters most where severe weather is common; it helps after theft, hail, glass breakage, animal strikes, and many other non-crash losses.
- Uninsured / underinsured motorist: Covers you if the at-fault driver has little or no insurance. Ask how UM/UIM works in your state before you decline it.
- Medical payments or PIP: Pays toward medical bills for you and passengers after an accident; availability and stacking rules vary by state.
- Rental reimbursement: Pays toward a rental while your car is in the shop after a covered claim.
- Roadside assistance coverage: Added to the auto policy, it can cost less than a separate club membership and covers towing, battery, and lockout help.
- Liability limits & umbrella coordination: Have an umbrella? Make sure the auto limits satisfy the carrier’s underlying requirements.
Leased or financed cars in Firestone almost always require collision and comprehensive. On an older car with no loan, dropping collision can be modeled, but only once you understand the out-of-pocket risk. Glass and hail deductibles are worth a second look in storm-prone ZIP codes.
Insurance and driving notes for Firestone
Firestone has around 11,999 residents, located in Weld County. The resident count is roughly 11,999. Wildfire, wind, and hail exposure can move premiums quickly in Front Range communities following a busy storm season.
A Firestone commute often combines arterial roads and highway miles, so underwriters weigh both the garaging ZIP and annual miles. Hail, wildfire smoke days, and slick winter driving drive comprehensive claims here, and over time they influence the rates filed for surrounding ZIP codes. Two neighbors in Firestone with similar cars can still pay different amounts: how the car is constructed, prior claims, insurance score where allowed, and the precise garaging address all move the quote.
Recently moved to the Weld County area? Confirm how you actually use the car. Picking one trim over another in the same model year moves the rate less than rideshare use, teen drivers, or lots of highway commuting. The best match comes from honest details: let us know how the car is really driven when you request a quote, and we can line up carriers that price that profile competitively.
Often underestimated in Firestone: the link between safety equipment, ownership length, and discounts. One carrier may reward automatic emergency braking or anti-theft gear more than another, and the same goes for continuous coverage. Those carrier quirks are what an independent agent turns into a shortlist, sparing you ten websites and the same application each time.
A practical tip: keep current declarations pages handy. A fair Firestone comparison is quickest to build when you start with limits, deductibles, and listed drivers. Look for lower liability limits, a missing comprehensive line, or a left-off household driver if one quote is far cheaper than the rest.
Ways to lower car insurance rates in Firestone
Good rate shopping looks past the binder price alone. The durable wins usually come from cleaning up garaging address accuracy and listed drivers before you compare, then re-checking the market every policy term.
- Re-shop several carriers at renewal. Following storm seasons and shifting loss trends, appetite changes. Last year’s cheapest Firestone option might not win this year.
- Let the math decide on bundling. Look at the total for home and auto together, not just the auto premium; bundling helps only if the total wins. Start your request at /get-a-quote/auto-quote, and note any renters or homeowners policy you already have.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,123.57, far above adult buckets near $110. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Be careful with telematics. Usage-based programs can pay off for gentle acceleration and low overnight mileage, but hard braking and late-night driving can cancel the discount.
- Keep coverage continuous. Skipping a few months rarely pays, because even a short gap often costs more than it saved.
- List the real garaging address. If the car sleeps in Firestone but you insure it elsewhere (or the reverse), fix that before you bind.
- Ask for paperless, autopay, paid-in-full, and professional-affiliation discounts. Alone each credit is small; combined they can move a quote.
Finally, document improvements: new roof cameras are for homes, but dash cams, anti-theft devices, and clean Motor Vehicle Records still help many auto filings. To keep underwriting from guessing, have those details at your Firestone review.
Firestone discounts to ask about
- Multi-policy — auto paired with home or renters.
- Multi-car — several vehicles insured with the same company.
- Safe driver & claims-free — a clean record usually prices better.
- Driver training & good student — useful once teens are rated.
- Telematics / usage-based — optional tracking that rewards careful habits.
- Paid-in-full, autopay, and paperless — small discounts that stack together.
- Anti-theft & safety equipment — varies by vehicle and carrier.
No discount replaces shopping. On one Firestone driver, two carriers advertising similar discounts can still be fifty dollars apart.
Firestone at a glance
Firestone has around 11,999 residents, located in Weld County.
Firestone sits in the Weld County area, and there routine insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Roof age, construction type, and replacement cost still drive most block-by-block premium differences across the single-family homes typical of the Weld County area.
Wildfire, wind, and hail exposure can move premiums quickly in Front Range communities following a busy storm season.
Multi-car households and mixed driving records
Assigning drivers carefully matters in Firestone homes with more than one car. The most expensive driver on the most expensive car is a common self-inflicted premium spike. We model assignments across carriers because not every company rates household drivers identically.
Recent tickets and minor accidents surface in underwriting, so do not hide one; look for markets that are more forgiving of it. One company’s rulebook is what an independent agency gets you out of.
What tends to change quotes in Firestone
The vehicle’s sticker price is only a start when carriers review a Firestone application. Good credit on file may not offset prior bodily injury claims, weather-related comprehensive losses, or coverage lapses. Conversely, a longer tenure with continuous insurance and a modest annual mileage estimate can soften the rate even when the car itself is relatively new.
Working from home part of the week? Ask whether your mileage estimate should change. Old commute figures still sit on many Firestone policies, leaving households paying for miles they no longer drive. The opposite is also true: if you added a longer commute around the Weld County area, update the application before a claim creates a mismatch.
How Freedom Insurance Group works for Firestone drivers
No invented AM Best ratings, and we do not claim every carrier is appointed for every niche. Clear explanations of the tradeoffs, shopping across the markets we can access, and help choosing limits that fit your driving in Firestone and the Weld County area: that is what we do.
Call (800) 253-1482 or start a free auto quote online. If you also need homeowners coverage, start on the home quote form and we will review bundling options without pressure.
Drivers and vehicles, the garaging ZIP, your desired liability limits, and any recent claims are what we will discuss. That discovery, rather than this page’s averages, are what produce a shortlist of bindable options for your family.
Firestone by the numbers: commuting, vehicles, and weather
NOAA storm reports show 51 hail reports within about 5 miles of Firestone from 2016 through 2025. The biggest hail reported was 2.5 inches near Frederick in June 2018. Hail that size can badly dent body panels and shatter glass, a loss handled under comprehensive coverage.
Census survey figures show about 18,049 residents in Firestone on 14 square miles of land, roughly 1,298 people per square mile. For big-city errands, the nearest Colorado city over 100,000 residents is Thornton, roughly 16 miles south. Frequent drives to Thornton should be counted in your mileage.
A typical one-way trip to work from Firestone takes about 33 minutes, based on the Census Bureau’s 2020–2024 American Community Survey. About 23% of commuters spend 45 minutes or longer getting to work, so annual mileage estimates run high for many households. By commute mode, 68% drive alone, 11% carpool, and 18% work from home. Because so many work from home, the mileage estimate deserves a fresh look.
Of the roughly 6,323 occupied households in Firestone, 35% keep three or more vehicles and 42% have exactly two. So multi-car credits and driver-to-vehicle assignment are worth checking on most policies.
Census counts put Firestone at 1,908 residents in 2000 and 10,147 in 2010, and the Census Bureau’s July 2024 estimate is 19,396. That works out to about 917% more residents than in 2000. Federal tornado records from NOAA’s Storm Prediction Center list 44 tornadoes that began within 10 miles of Firestone from 1950 through 2015; the strongest was an EF3 on June 4, 2015.
Comparing nearby rates? We also cover Frederick (4 mi), Mead (5 mi), and Dacono (6 mi).
ZIP codes in and near Firestone that we insure
80520 · 80530 · 80504 · 80514
More Colorado coverage options
Firestone, CO auto insurance quotes
Freedom Insurance Group compares 25+ carriers for Firestone residents. Call (800) 253-1482 or start a free auto quote online.
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