Freedom Insurance Group compares 25+ carriers for Pierce, Colorado. Start your free quote or call (800) 253-1482.
Pierce, Colorado: average car insurance rates
Use these amounts as illustrative estimates and averages; they are not bindable quotes. What you actually pay depend on drivers, vehicles, ZIP, coverage limits, deductibles, credit (where allowed), and claims history.
Pierce, CO: cheapest car insurance companies
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | Safeco | $146.98 |
| 2 | Progressive | $152.12 |
| 3 | Root | $153.55 |
| 4 | National General NS | $163.74 |
| 5 | GEICO | $167.30 |
| 6 | GAINSCO | $168.74 |
| 7 | Lemonade | $169.49 |
| 8 | Allstate | $172.45 |
| 9 | National General 360 | $178.74 |
| 10 | Travelers | $183.31 |
Check Out Other Rates in Pierce, CO Nearby Cities:
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Colorado | $172.40 |
| Pierce, Colorado | $169.49 |
| Age Group | Average Monthly Rate |
|---|---|
| 16-19 | $1,126.22 |
| 20s | $131.78 |
| 30s | $119.77 |
| 40s | $138.07 |
| 50s | $128.17 |
| 60s | $106.16 |
| 70+ | $119.63 |
Pierce driving and insurance context
Pierce is a smaller place with about 873 residents in Weld County. Residents number about 873. Wildfire, wind, and hail exposure can move premiums quickly in Front Range communities following a busy storm season.
Annual mileage and garaging ZIP both show up in underwriting since commutes from Pierce often combine arterials and highway. Local weather — especially hail, wildfire smoke days, and slick winter driving — also shapes comprehensive claims and, over time, the rates carriers file for the surrounding ZIP codes. Two neighbors in Pierce 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.
Newcomers to the Weld County area should spend a few minutes checking how the vehicle is used. Highway-heavy commuting, rideshare activity, and teen drivers each change the rating story more than a minor trim difference on the same model year. When you request a quote, describe how the car is really driven so we can match carriers that price that profile competitively.
A detail many Pierce drivers miss: how safety features and ownership length interact with discounts. Continuous coverage, automatic emergency braking, and anti-theft devices carry different weight from one carrier to the next. An independent agent can translate those quirks into a shortlist instead of making you retype the same application on ten websites.
Another practical detail: keep your current policy’s declarations pages close. A true side-by-side comparison in Pierce comes together fastest from limits, deductibles, and listed drivers. A suspiciously low quote should be checked: did liability limits drop, was comprehensive removed, or was someone in the household left off?
Coverage explainers for Pierce drivers
Colorado sets a legal floor with minimum liability, yet it rarely matches a serious injury claim or a newer financed vehicle. The list below doubles as a checklist for comparing Pierce quotes.
- Bodily injury & property damage liability: Pays others when you are at fault. Savings, equity in a house, or a long drive through heavy traffic all argue for raise your limits.
- Collision: Covers damage to your car from hitting another car or an object, less your deductible.
- Comprehensive: Where severe weather is common, this is the coverage that matters; it covers theft, hail, glass breakage, animal strikes, and many other non-crash losses.
- Uninsured or underinsured motorist: Protection for you if an at-fault driver has no insurance or too little. Ask how UM/UIM works in your state before you decline it.
- MedPay / PIP: It pays medical bills after a crash for you and your passengers; stacking and availability rules differ by state.
- Rental reimbursement: Keeps you driving while repairs from a covered claim are underway by paying toward a rental car.
- Roadside help: Tows, jump starts, and lockout service, sometimes cheaper on the auto policy than a separate club membership.
- Higher liability limits & umbrella coordination: Have an umbrella? Check the auto limits against the umbrella’s underlying requirements.
Financed or leased vehicles in Pierce almost always need collision and comprehensive. With an older vehicle that is paid off, we can price a no-collision option, as long as the out-of-pocket risk is clear. Glass and hail deductibles deserve a second look in storm-prone ZIP codes.
How to lower your car insurance rates in Pierce
Shopping rates is about more than the cheapest binder. Durable wins tend to come from an accurate garaging address and a correct driver list before you compare, then a fresh market check each term.
- Re-shop several carriers at renewal. After storm seasons and loss trends, carriers change what they want to write. What was cheapest in Pierce last year may not lead today.
- Bundle when the numbers add up. Pairing home and auto can save, but check the total price, not just the auto line by itself. Begin at /get-a-quote/auto-quote and list any homeowners or renters policy you already hold.
- 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 $1,126.22, far above adult buckets near $106. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Telematics: proceed with care. Hard stops and night miles can undo the savings, while usage-based programs favor gentle acceleration and low overnight mileage.
- Avoid coverage gaps. A lapse, even a brief one, often costs more than the months you skipped.
- Match garaging to reality. Before binding, correct it if the car sleeps in Pierce but is insured elsewhere (or the reverse).
- Ask about paperless, autopay, paid-in-full, and professional affiliations. Individually they are small; together they can move a competitive 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. Have those details ready for your Pierce quote review so underwriting does not fill in blanks.
Pierce discounts to ask about
- Multi-policy credit — auto paired with home or renters.
- Multi-car — several vehicles insured with the same company.
- Safe driver / claims-free — clean records often price better.
- Good student and driver training — useful once teens are rated.
- Telematics / usage-based — opt-in programs that reward safer driving.
- Paperless, autopay, and paid-in-full — small credits that still stack.
- Safety and anti-theft features — depending on the vehicle and carrier.
No discount replaces shopping. Two carriers can advertise similar credits and still land fifty dollars apart on the same Pierce driver.
Pierce at a glance
Pierce is a smaller place with about 873 residents in Weld County.
Without big-city tourism headlines, Pierce is a smaller Colorado community; for insurance, local construction, fire protection access, and regional storm patterns matter most.
Local housing is a mix of single-family homes typical of the Weld County area; replacement cost, roof age, and construction type still drive most premium differences block by block.
Wildfire, wind, and hail exposure can move premiums quickly in Front Range communities following a busy storm season.
Deductibles and limits for local weather
A Pierce comprehensive deductible deserves real thought: hail, wildfire smoke days, and slick winter driving appear in regional loss data. A lower glass deductible can be worth it if you park outside. With reserves in the bank and a paid-off vehicle, a bigger comprehensive deductible can cut the premium.
Do not stop at the state minimum: limits should reflect your assets and comfort with risk. On a busy corridor near Pierce, one serious at-fault crash may quickly outrun minimum limits. We will walk through scenarios so you are not buying numbers you do not understand.
Mixed driving records and multi-car households
In a multi-car Pierce household, think carefully about driver assignments. Assigning the costliest driver to the costliest vehicle drives a common, self-inflicted spike. Since no two companies rate household drivers the same way, we model the assignments across carriers.
A recent ticket or minor accident in the household is not something to hide, since underwriting will find it; instead, shop markets that are more forgiving for that profile. That is the point of an independent agency: no single company’s rules box you in.
How Freedom Insurance Group helps Pierce drivers
No invented AM Best ratings, and no pretending every carrier is appointed in every niche. We explain the tradeoffs in plain language, shop the markets we can access, and help you choose limits that fit how you actually drive in Pierce and the wider Weld County area.
Reach us at (800) 253-1482, or get a free auto quote started from your browser. If you also need homeowners coverage, you can start on the home quote form and we will look at bundling options without pressure.
Plan to talk through drivers, vehicles, garaging ZIP, desired liability limits, and any recent claims. That step is what turns the illustrative averages on this page into a shortlist of bindable options for your household.
Local driving facts for Pierce
NOAA storm reports show 13 hail reports within about 5 miles of Pierce from 2016 through 2025. The biggest hail reported was 4.25 inches near Pierce in June 2017. Hail that size can badly dent body panels and shatter glass, and those claims go through comprehensive.
Census Bureau estimates (ACS 2020–2024) put the average one-way commute from Pierce at about 36 minutes. About 16% of commuters travel 45 minutes or more each way, which adds up in annual mileage. By commute mode, 61% drive alone, 31% carpool, and 5.5% work from home.
Pierce has about 493 occupied households; 40% have three or more vehicles and 36% have two. That makes multi-car discounts and careful driver assignment relevant for most households here.
By 2020–2024 Census estimates, Pierce packs about 1,201 residents into roughly 1.9 square miles of land, a density of about 646 people per square mile. For big-city errands, the nearest Colorado city over 100,000 residents is Greeley, roughly 16 miles south. Frequent drives to Greeley should be counted in your mileage.
By the historical record, Pierce was founded in 1869 and incorporated on August 30, 1918. Pierce’s population went from 884 at the 2000 Census to 834 at the 2010 Census, and the Census Bureau’s July 2024 estimate is 1,087. That works out to about 23% more residents than in 2000. NOAA Storm Prediction Center records list 41 tornadoes that began within 10 miles of Pierce from 1950 through 2015, the strongest an F2 on July 10, 1955.
Looking at nearby towns? See our car insurance pages for Ault (5 mi), Nunn (5 mi), and Eaton (9 mi).
Pierce-area ZIP codes we insure
80650 · 80610
Other Colorado coverage pages
Auto insurance quotes in Pierce, CO
For Pierce households, Freedom Insurance Group compares 25+ carriers. Reach us at (800) 253-1482, or get a free auto quote started from your browser.
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