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.

How much does car insurance cost in Thornton, CO?
Rank City Average Per Year
1 Pueblo $1,455
2 Denver $1,439
3 Aurora $1,403
4 Security-Widefield $1,343
5 Commerce City $1,328
6 Lakewood $1,324
7 Littleton $1,306
8 Centennial $1,304
9 Northglenn $1,290
10 Ken Caryl $1,287
11 Colorado Springs $1,277
12 Thornton $1,268
13 Highlands Ranch $1,267
14 Castle Rock $1,261
15 Parker $1,257
16 Arvada $1,256
17 Westminster $1,246
18 Brighton $1,235
19 Broomfield $1,215
20 Boulder $1,159
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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.

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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.

Cheapest Vehicles to Insure in Thornton, CO
Make, Model, and Trim Level Estimated Cost for Full Coverage
Toyota Prius $1,239
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 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.

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.