Thornton, CO Car Insurance

On average, drivers in Thornton pay around $105 per month for their car insurance. For information on policy rates, coverage, and more check out our guide below.
What should residents of Thornton expect to pay for their car insurance? How do rates in Thornton measure up compared to neighboring areas, including Colorado as a whole? You can find average cost breakdowns based on a wide array of factors in the charts and writeups below:  

How much is car insurance in Thornton?

Area Average Monthly Car Insurance Premium
Thornton$105
CO$72
United States$81

Auto insurance policies in Thornton are about $33 a month more expensive than the rest of Colorado.

Similarly, Thornton residents should prepare to pay higher rates for coverage than the rest of the country. It's around $24 more expensive for coverage in Thornton than the average rates seen in the rest of the U.S.

Bear in mind that while these rates are the average costs for drivers in Thornton, it doesn't mean that's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.

But don't worry, we've broken down the average rate for Thornton residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. To find out if you're getting the cheapest rate, just enter your ZIP below and find out in minutes!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$160
25-34$67
35-44$73
45-54$77
55-64$100
65+$65

The older you are, the more experience you're likely to have on the roads, right? When it comes to auto insurance premiums, that experience pays off. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.

You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement your rates may rise again in Thornton.

Average Car Insurance Rates by Gender

Gender Average
Male$117
Female$91

In general, female drivers pay less for car insurance than their male counterparts. In Thornton, male drivers pay about $26 more a month. Based on the chart above, you can see that male drivers pay $117 on average, while female drivers typically pay $91 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$137
Multiple Accidents$124
1 Ticket$155
Multiple Tickets$76

Depending on your driving record, your rates can vary wildly. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. Drivers in Thornton with a single accident will pay around $137 a month. Similarly, drivers with one ticket will typically pay around $155 on average.

Accidents, tickets, and other driving infractions can really hurt your wallet. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$105
2-3 Years$115
4-5 Years$110
6-7 Years$150
8-10 Years$118
11-14 Years$107
15 Years or Older$79

According to the first table above, the cheapest vehicles to insure in Thornton are usually trucks and vans, at $93 per month.

SUV drivers will see rates of about $95, while the rates for car owners average out to about $113 per month.

Your rates can also vary depending on the age of your vehicle. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, your monthly bill may start to dip back down. In Thornton, the most expensive vehicles to insure are vehicles six-to-seven years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$109
Married$105
Divorced$73
Widowed$98

Generally speaking, people who are married will pay slightly less for auto insurance. This usually boils down to owners having multiple vehicles on the same policy, something many companies offer special discounts for.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Thornton is no exception, with the difference totaling to around $4 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$80
Rent$118
Live with parents$123

Another factor taken into consideration is your housing status. Renters can expect to pay around $38 a month more than homeowners in Thornton. But those who live at home with their parents can expect to pay significantly more.

Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.

Car Insurance Companies in Thornton, CO

Recent trends in car insurance for Thornton drivers

The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area before shopping for coverage.

Auto insurance rates in Thornton had been decreasing from 2017-2019, before increasing from 2020-2021. They finished down in 2022 at $73.

How does Thornton compare to neighboring areas?

Why are car insurance rates in Thornton different from other areas?

There are a variety of factors car insurance companies will consider when deciding how much to charge for a monthly rate. The price of your insurance policy will depend largely on where you call home and will be influenced by things such as:

  • Prevalence of crime
  • Frequency of car accidents
  • Amount of drivers
  • Regional laws
  • Off-street parking access

Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to learn more.

How can I find the cheapest car insurance in Thornton?

In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.

But wait! Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your car, and you'll be comparing the cheapest quotes from many of the car insurance companies that offer auto coverage in Thornton.

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Thornton Insurance FAQs

What factors affect car insurance quotes in Thornton?

Quotes are calculated by car insurance companies who take multiple factors into consideration, including things you can't control like your age and gender, but also factors like your credit score, driving record, address, and marital status.

Why is the cost of car insurance in Thornton different from other neighboring cities?

Things like local laws, crime rates, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Thornton?

No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Thornton?

Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Thornton or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?

Find your best rate in just a few minutes