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Cheapest car insurance in Thornton, Colorado (Nov 2024)
Cheapest car insurance in Thornton, Colorado (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Thornton, Colorado.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How to find the cheapest car insurance in Thornton
- Best Car Insurance Companies in Thornton
- Best cheap car insurance quotes in Thornton
- Average cost of car insurance in Thornton
- Car insurance quotes in Thornton by rating factors
- How do different factors impact your car insurance costs in Thornton?
- How to lower car insurance costs in Thornton
- FAQ
- Methodology
- Meet our experts
Load full table of contents
How to find the cheapest car insurance in Thornton
On average, car insurance in Thornton costs $96 per month for minimum liability coverage, or about $237 per month for full-coverage insurance. Thornton drivers pay 1% less Colorado’s state average.
Smart car insurance shoppers in Thornton
Colorado
turn to Jerry, because Jerry makes it easy for customers to compare and purchase affordable car insurance
. Below are some of the cheapest car insurance quotes for customers in Thornton.
| Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $81 | Clarence, 25 Zip: 80233 | Dodge Magnum R/T | • State Minimum Liability |
| Travelers | $216 | Bess, 40 Zip: 80241 | Jeep Compass Latitude LUX | • 100,000/300,000 Liability • Comp / Collision |
| Nationwide | $198 | Nina, 30 Zip: 80602 | GMC Canyon SLT | • 100,000/300,000 Liability • Comp / Collision |
| Allstate | $226 | Adam, 38 Zip: 80229 | Mercedes-Benz E 300 4matic | • 100,000/300,000 Liability • Comp / Collision |
| Bristol West | $247 | Manuel, 38 Zip: 80023 | Nissan Murano SV | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Best Car Insurance Companies in Thornton
There’s no “one-size-fits-all” model for car insurance—and no single company can offer the best (and cheapest)
car insurance quotes
for every driver. State Farm, Progressive, USAA, and GEICO have the largest market shares in Colorado and may offer the most competitive rates for Colorado drivers.
But bigger isn’t always better! State Farm is often named the cheapest car insurance company in Colorado—but in our survey, State Farm was rated just 2.6 out of 5.0 for cost.
Which insurers got the best ratings among Colorado drivers? Safe Auto, Farmers, Safeco, and Bristol West all performed well, with average ratings above 4.5 for both policy cost and customer service.
Check out how real Jerry users rated various insurance companies below:
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Geico | 4.3 | 3.8 | 3.2 | 4 |
| Progressive | 4.1 | 4.2 | 3.4 | 4.2 |
Liberty Mutual | 4 | 3.4 | N/A | 4.4 |
| Farmers | 3.7 | 4.3 | N/A | 4 |
| State Farm | 3.2 | 2.8 | 3.8 | 4.1 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Thornton
To legally hit the road in Thornton, Colorado, drivers are required to carry set amounts of
liability insurance
. But minimum liability may not offer enough financial coverage in the event of an accident—so drivers in Thorntonshould consider purchasing full coverage for the best protection.Cheap minimum liability insurance quotes in Thornton
The state minimum coverage or minimum essential coverage in Colorado follows a 25/50/15 pattern—that means you need at least $25,000 per person and $50,000 per accident in
bodily injury liability coverage
, as well as $15,000 for property damage liability coverage
per accident.With this basic liability coverage, you’ll be protected up to your policy’s limits if you are responsible for injuries or property damage while driving.
Here are some examples of Thornton car owners that Jerry has assisted in obtaining minimum liability coverage.
Clarence (25 years old)
$81
per month
Georgie (50 years old)
$159
per month
Lottie (22 years old)
$107
per month
Do you need more than minimum coverage in Thornton?
Colorado has fairly average liability insurance coverage requirements. But most drivers need more than the 25/50/15 state minimum.
In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the state’s 25/50/15 limit—especially if you cause serious injuries to another person. A totaled vehicle could cost well above $50,000, while medical bills can quickly exceed $25,000.
Moreover,
Colorado car accident laws
set the statute of limitations for personal injury lawsuits to three years after a crash–so your liability will extend long after the actual incident passes. The bottom line: For better financial protection, consider upgrading your liability coverage limits to 50/100/50 or even 100/300/100 liability coverage. Better yet, invest in a full-coverage policy.
Cheap full coverage car insurance quotes in Thornton
Full coverage car insurance
is the only way to protect yourself from costs associated with repairing or replacing your own vehicle. Full coverage policies include
comprehensive
and collision coverage
, in addition to your liability coverage. - Collision coverage helps cover the costs of repairs if your vehicle is damaged in an accident with another vehicle or stationary object (such as a tree or road sign.
- Comprehensive coverage helps cover costs associated with non-collision incidents, such as theft, vandalism, falling objects, or hail.
If you have a
car loan
, your lender will likely require you to have coverage for physical damages—that is, collision and comprehensive coverage. Check out what real Jerry users paid for various levels of coverage below:
| Insurance coverage | Insurance company | Premium (monthly) | Customer | Car |
|---|---|---|---|---|
• State Minimum Liability • Comp / Collision | Progressive | $138 | Keith, 22 Zip: 80229 | Honda Accord EX |
• State Minimum Liability • Comp / Collision | Allstate | $240 | Lulu, 38 Zip: 80023 | Nissan Murano SV |
• State Minimum Liability • Comp / Collision | Safeco | $149 | Fred, 34 Zip: 80241 | Ford Escape SE |
• 100,000/300,000 Liability • Comp / Collision | Travelers | $216 | Bess, 40 Zip: 80241 | Jeep Compass Latitude LUX |
• 100,000/300,000 Liability • Comp / Collision | Bristol West | $161 | Amelia, 64 Zip: 80602 | Lincoln MKX Reserve |
Last Updated Nov 21, 2024The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance quotes online.
Jerry,
a top insurance agency
, offers a free app that lets you compare car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Average cost of car insurance in Thornton
Based on Jerry’s work with drivers in Thornton, we’ve found that the average annual cost minimum liability coverage is $1,152 each year. That works out to about $96 per month. For full coverage, Thornton drivers typically pay $2,844 per year or $237 per month.
While average insurance rates can help you predict your own insurance costs, it's important to note that every driver's insurance premium is calculated differently.
Car insurance companies look at many different factors when
calculating your annual premiums
, including your demographics, driving record, and discount eligibility—so your actual insurance costs could vary significantly from the state averages.Car insurance quotes in Thornton by rating factors
Insurance companies in Thornton use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Accidents, tickets, or other traffic violations on yourdriving recordcould result in higher premiums.
- Your age: Teen and senior drivers often face the highest insurance premiums, as these age groups are considered high-risk among insurers.
- Your vehicle: Liability coverage could cost more for popular models. Collision and comprehensive coverage costs more for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Your annual mileage can play a role in what you pay for coverage. Insurance companies often charge more when you put more miles on your car.
How do different factors impact your car insurance costs in Thornton?
How do different factors impact your car insurance costs in Thornton?
Allowed (with applicable limitations): Driving experience, marital status, zip code, gender, age, credit history, education, occupation, employment status, insurance history.
Prohibited (or effectively prohibited): Colorado currently does not disallow any common insurance rating factors when calculating insurance premiums.
Learn more about the car insurance rating factors in Thornton:
Cheap car insurance quotes in Thornton after driving violations
Your driving history has a significant impact on car insurance rates. Violations on your record can drive up the cost of your annual premiums, especially if you have serious infractions.
Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Thornton after speeding ticket
While your rates might not go up much for a single minor
speeding ticket
, if you’re ticketed for going well over the speed limit or you receive multiple speeding tickets in a short time, you’ll likely notice your rates going up. But even if your rates do go up due to a speeding ticket, Jerry may still be able to help you find cheap insurance in Estes Park, CO.
| Speeding Type | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
Speeding 11-15 | Progressive | $231 | Lily, 24 Zip: 80233 | Jeep Wrangler Unlimited X | • State Minimum Liability |
Speeding 16-20 | Safeco | $245 | Ellen, 24 Zip: 80233 | Jeep Wrangler Unlimited X | • State Minimum Liability |
Last Updated Nov 21, 2024Cheapest car insurance in Thornton after DUI
Drivers with a DUI are considered high-risk, which results in steep increases to your annual premium.
Car insurance rates can also vary dramatically between insurance providers when you have a
DUI on your Colorado driving record
—so comparing rates is the best way to find the most affordable option after a DUI offense. The good news is, Jerry has helped many drivers in Thornton obtain affordable auto insurance rates after a DUI.
Barry (27 years old)
$287
per month
Cheapest car insurance in Thornton after an at-fault accident
Insurance companies look at previous at-fault accidents on your record to determine how much of a risk you pose to insure.
If you have an at-fault accident on your Colorado driving record, you could see a steep increase in your insurance rates when your policy is up for renewal.
Check out what Jerry drivers paid for car insurance after various types of accidents below:
| Accident type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With No Injury | Progressive | $89 | Caleb, 40 Zip: 80260 | Chevrolet S Truck S10 | • State Minimum Liability |
Not At Fault | Travelers | $216 | Sara, 39 Zip: 80241 | Jeep Compass Latitude LUX | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Safeco | $149 | Caroline, 33 Zip: 80241 | Ford Escape SE | • State Minimum Liability • Comp / Collision |
Last Updated Nov 17, 2024Cheapest car insurance in Thornton after other driving violations
Car insurance premiums are sensitive to any mistake, big or small—whether it’s a speeding ticket, DUI conviction, or any other traffic violation.
Here are some examples of how Jerry has helped other Thornton drivers find cheap car insurance despite previous violations.
| Violation | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Defective Equipment | Progressive | $203 | Peter, 31 Zip: 80229 | Acura 3.2TL | • State Minimum Liability |
Failure to Obey Signal | Nationwide | $87 | Carl, 38 Zip: 80260 | Mercury Villager | • State Minimum Liability |
Wrong Way/Wrong Lane | Safeco | $245 | Ian, 24 Zip: 80233 | Jeep Wrangler Unlimited X | • State Minimum Liability |
Careless Driving | Bristol West | $196 | Kathryn, 31 Zip: 80229 | Nissan Altima 2.5 | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Nationwide | $87 | Brandon, 38 Zip: 80260 | Mercury Villager | • State Minimum Liability |
Failure to Obey Signal | Progressive | $139 | Jonathan, 25 Zip: 80241 | Ford Focus SE | • State Minimum Liability • Comp / Collision |
Improper Passing | Allstate | $240 | Henry, 37 Zip: 80602 | Nissan Murano SV | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Thornton by age
Generally speaking, the golden bracket for low car insurance costs belongs to drivers between the ages of 25 and 75. Whether you're a teenage driver or
senior driver
who falls outside these bounds, here's how to make the most of your age.Cheapest car insurance in Thornton for young drivers
Drivers between the ages of 16 to 19 pay the highest insurance premiums of any age bracket in the Centennial State, in large part due to their limited driving experience.
Keith (22 years old)
$138
per month
Cheapest car insurance in Thornton for senior drivers
Similar to teen drivers, senior drivers also pose a heightened risk to insurance companies.
This is because senior drivers are more likely to be involved in accidents, and more prone to severe injuries in the event of a collision—which can lead to significant medical expenses and increased costs for insurance providers.
Lois (65 years old)
$77
per month
Cheap car insurance quotes in Thornton based on insurance history
Your insurance history—i.e., whether you have car insurance or not—also plays a role in determining the price of your premium.
Generally, the longer you have been insured, the lower your car insurance premium should be. Insurers look at your record to determine if you’ve had a lapse in insurance—and, depending on the duration, a
lapse in insurance coverage
could lead to being labeled a “high-risk driver,” resulting in higher premiums. Anne (29 years old)
Currently Insured
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Thornton, CO (Zip Code: 80260)
$184
per month
Zachary (37 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Thornton, CO (Zip Code: 80229)
$200
per month
Edna (29 years old)
Currently Insured
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Thornton, CO (Zip Code: 80602)
GMC Canyon SLT$198
per month
Darrell (38 years old)
$223
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
I was kind of skeptical when it came to car insurance with Progressive. Little did I know, their insurance is just as good as their commercials.
Melody
Best prices around
Kendra
Travelers insurance has very competitive process with top notch coverage. Wouldn't think of using anyone else
Alex
Good company
April
Cheap car insurance quotes in for drivers with poor credit
drivers with poor credit scores often face higher insurance costs compared to those with healthier credit ratings. Even though
credit scores
don’t directly affect how well you drive, insurance companies have observed a relationship between low credit and an increased frequency to file claims.Generally, drivers with great credit scores (over 750) will pay approximately 20% less on car insurance compared to individuals with poorer scores (below 550).
| Credit Range | Insurance Company | Premium (monthly) | Customer | Car | Insurance Coverage |
|---|---|---|---|---|---|
> 750 | Progressive | $128 | Tom, 21 Zip: 80241 | Pontiac Grand Prix GTP | • State Minimum Liability |
660 - 750 | Bristol West | $87 | Katharine, 32 Zip: 80233 | BMW 435 XI Gran Coupe | • State Minimum Liability |
660 - 750 | State Auto | $115 | Fannie, 56 Zip: 80233 | Honda CR-V Touring | • State Minimum Liability |
550 - 659 | Safeco | $115 | Eugenia, 31 Zip: 80229 | Acura 3.2TL | • State Minimum Liability |
< 550 | Travelers | $216 | Melvin, 39 Zip: 80241 | Jeep Compass Latitude LUX | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheap car insurance quotes in Thornton for popular cars
Your vehicle’s make and model also influence how much you pay for car insurance.
The cheapest cars to insure
have low repair costs, great security systems, and excellent safety ratings.Some of the most popular models among Colorado drivers include the:
- Ford F-150
- Chevy Silverado
- Toyota Tacoma
- Subaru Outback
See how Jerry helps drivers save when insuring these models and others in Colorado.
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Subaru Outback | Progressive | $83 | Cecilia, 30 Zip: 80241 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024Cheapest car insurance in Thornton for new vs. old car
New cars are typically more expensive to insure than older ones. We have found that the average insurance cost for a car older than 10 years is $126 per month in Thornton.
Alternatively, the average cost of insuring a car that’s less than four years old increases to $216 per month in Thornton.
Clarence (25 years old)
$81
per month
Jim (32 years old)
2017 Toyota Tacoma Double Cab
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Thornton, CO (Zip Code: 80229)
$215
per month
Adam (38 years old)
2019 Mercedes-Benz E 300 4matic
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Thornton, CO (Zip Code: 80229)
$226
per month
Nina (30 years old)
2017 GMC Canyon SLT
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Thornton, CO (Zip Code: 80602)
$198
per month
Troy (57 years old)
$115
per month
Floyd (50 years old)
$91
per month
How to lower car insurance costs in Thornton
1. Shop around and compare quotes
Insurance companies use varying rating factors to determine premiums, and these criteria can change from place to place.
To find the most cost-effective car insurance policy, experts recommended comparing quotes from at least three to five companies and shopping for rates every six months.
That’s where Jerry can help. In just 45 seconds, Jerry can collect quotes from a pool of 55+ top insurance providers to help you identify the best auto insurance coverage at the best price.
2. Hunt for car insurance discounts
Every insurance company offers
a set of discounts
, but the exact discounts offered—and whether or not you qualify for them—can vary among insurers. Commonly available discounts for Colorado drivers include: - Good driver discounts: Drivers with a clean driving record and claims-free insurance history typically enjoy lower rates—and often receive discounts anywhere from 10% to 30% off their insurance premiums.
- Telematics discounts: Many providers offer discounts to drivers who use telematics to monitor their driving habits. You might even get a discount just for enrolling!
- Good student discounts: Full-time high school and college students that maintain a B average or higher may qualify for a discounted car insurance rate.
- Bundling discounts:Bundle your home and auto insurance(or auto and renters) with the same company, and you could get a discount on both policies.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, opting for a higher deductible can help keep your monthly expenses low without sacrificing coverage.
FAQ
How much is car insurance in Thornton?
People living in Thornton pay on average $96 per month – or $1,152 per year – on state-minimum liability coverage. Full coverage in Thornton costs on average $237 per month of $2,844 per year.
With car insurance though, there’s no such thing as average. It is important to know that car insurance varies greatly based on a driver’s individual situation. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance. Luckily, Jerry is here to take the hassle out of insurance shopping! At the click of a button, Jerry will help you compare personalized quotes from top insurance providers. Best of all, it’s 100% free.
What is the best car insurance in Thornton?
Shopping for the best coverage at the best price is important, but customer service may play a role in what insurance company you pick, too. Mercury, Safe Auto, and Dairyland receive good ratings from Thornton drivers, based on the largest car insurance survey in the nation conducted by Jerry.
Learn more about how fellow car owners rate various insurance companies, and get free quotes in seconds with Jerry.
What is the minimum car insurance in Thornton, Colorado?
The state-minimum car insurance in Thornton, Colorado is $25,000 in bodily injury liability per person, $50,000 per accident, and $15,000 for damage to property. These coverages are commonly referred to as 25/50/15 coverage.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet our experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.