One of the many components that are looked at to help calculate insurance cost is where you keep your vehicle in Thornton. Larger areas will most likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims profit from lower rates.
The following table rates the most expensive cities in Colorado in which to buy car insurance. Thornton shows up at #12 with an annual rate of $1,268 for the average insured, which is approximately $106 each month.
|Rank||City||Average Per Year|
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Premium costs are estimated as the specific geographic location can lower or raise premium rates significantly.
Since we know where Thornton ranks price-wise, finding out which insurers offer the cheapest insurance rates in Thornton will involve more work than just getting one or two price quotes. Each auto insurer has a proprietary method to set policy rates, so let's rank the most affordable insurance companies in Thornton, CO.
Keep in mind that Thornton insurance rates are calculated based on many things that will increase or decrease the price you pay for coverage. Simply having another birthday, having a teen driver, or getting caught speeding can trigger changes in premium that can now make some companies cheaper than before.
Find Cheaper Auto Insurance in Thornton
The Hartford quotes some of the lowest car insurance rates in Thornton at around $834 each year. Grange, USAA, GEICO, and Nationwide also rank well as some of the more affordable Thornton, CO insurance companies.
As the example above demonstrates, if you are insured with GEICO and switched to The Hartford, you might realize yearly savings of about $318. Drivers with Nationwide could save as much as $321 a year, and Auto-Owners policyholders might realize rate reductions of up to $370 a year.
To find the cheapest rates for your vehicle, click here to begin a quote or visit any of the low-priced companies below.
Remember that these policy prices are averages across all types of drivers and the different vehicles they drive and and are not figured with an exact location in Thornton. So the insurer that fits your needs best may not even be in the list above. That affirms the importance of why you need to get rate quotes using your own driver information and specific vehicle type.
The make and model of vehicle you are trying to insure is a large consideration that determines whether or not you find the best auto insurance in Thornton. Vehicles with reasonable performance levels, an excellent safety record, or a low likelihood of liability claims will cost significantly less to insure than fast, unsafe models.
The list below presents insurance premiums for a selection of the more afforable vehicles to buy insurance for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford F-150 XL Crew Cab 4WD||$1,280|
|Honda CR-V EX 2WD||$1,282|
|Ford Edge SEL 2WD||$1,299|
|Chevrolet Impala LT||$1,323|
|Toyota RAV4 Limited 4WD||$1,330|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,347|
|Honda Accord EX 4-Dr Sedan||$1,373|
|Ford Escape XLS 2WD||$1,383|
|Toyota Camry SE||$1,393|
|Chevrolet Equinox LTZ AWD||$1,419|
|Nissan Rogue S 2WD||$1,428|
|Chevrolet Malibu LTZ||$1,419|
|Ford Explorer XLT AWD||$1,438|
|Ford F-350 XL Crew Cab Turbo Diesel 2WD||$1,469|
|Ford Focus S 4-Dr Sedan||$1,489|
|Toyota Tacoma 2WD||$1,499|
|Kia Optima EX||$1,515|
|Chevrolet Silverado 3500HD LTZ Crew Cab Diesel 2WD||$1,537|
|Dodge Grand Caravan SE||$1,547|
|Chevrolet Silverado 2500HD LTZ Crew Cab 2WD||$1,609|
|Chevrolet Silverado LS Regular Cab 2WD||$1,621|
|Dodge Ram Quad Cab SLT 2WD||$1,657|
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Premium data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Premium costs do not factor in vehicle garaging location which can decrease or increase premiums greatly.
By looking at the data, makes and models like the Toyota Prius, Ford F-150, Honda CR-V, and Ford Edge are most likely going to be the cheapest vehicles to insure for drivers in Thornton.
The illustration below demonstrates how choosing different deductibles can impact yearly insurance costs when getting quotes for cheap insurance in Thornton. The rate quotes are based on a single female driver, full coverage, and no discounts are factored in.
A 40-year-old driver could save $376 a year by increasing from a $100 deductible up to a $500 deductible, or save $566 by choosing a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could possibly save as much as $966 or more just by using higher deductibles. When choosing a higher deductible, it will be necessary to have additional funds squirreled away to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
How to get discounts on Thornton car insurance rates
Auto insurance companies that provide coverage in Thornton may provide discounts that could reduce prices by as much as 35% if you qualify for them. A list of companies and a summarized list of policyholder discounts are detailed below.
- The Hartford offers premium reductions for bundle, good student, anti-theft, air bag, defensive driver, and driver training.
- American Family has savings for mySafetyValet, air bags, bundled insurance, accident-free, Steer into Savings, good driver, and TimeAway discount.
- Progressive may have discounts that include good student, homeowner, online quote discount, multi-policy, continuous coverage, multi-vehicle, and online signing.
- Travelers includes discounts for home ownership, save driver, early quote, hybrid/electric vehicle, and new car.
- Farmers Insurance may include discounts for mature driver, alternative fuel, switch companies, distant student, youthful driver, homeowner, and business and professional.
- USAA has discounts for annual mileage, family discount, multi-policy, safe driver, vehicle storage, multi-vehicle, and driver training.
- Liberty Mutual offers discounts including hybrid vehicle, new graduate, new move discount, new vehicle discount, and newly married.
The illustration below illustrates the difference between annual premium costs with and without some available policy discounts. The premium estimates are based on a female driver, no accidents or driving violations, Colorado state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multiple vehicle, anti-theft, defensive driving course, and claim-free discounts applied. When taking advantage of discounts, the the average amount saved on car insurance in Thornton is 28% or $653.
How to find budget-friendly car insurance in Thornton
The list below details some of the recommended money-saving ideas that can help drivers find lower-cost coverage.
- Too many claims can make car insurance unaffordable
- Increase your physical damage deductibles
- Ensure your driving record is clean
- Buy your auto and home insurance from the same company and save
- Improve your credit score
- Avoid accidents and claims
- Shop around for lower rates once a year
That last piece of advice is remarkably necessary, as was discussed in this piece. Car insurance prices can change in a short period of time, so don't be afraid to buy from a different company if a better rate can be found.
Many drivers prefer to stick with one company, but it's not a great idea if that devotedness results in you overpaying potentially thousands of dollars a year. It only take a few minutes to compare prices to find cheaper auto insurance in Thornton.