Thornton, CO Auto Insurance Rates, Quotes, Agents & Reviews
Zimlon, through its research, found that car owners in Thornton, CO, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.
Factors Influencing the Cost of Car Insurance in Thornton, CO
The average cost of auto insurance in Thornton, CO, is $1,285. It is lower than the cost of insurance in neighboring places such as Todd Creek, Welby, Northglenn, and Federal Heights. Several factors can affect the cost of auto insurance in Thornton. A thorough comparison of different auto insurance quotes will help car owners obtain an insurance quote that best suits their coverage needs. Zimlon also offers the option of keying in one’s zip code to get accurate auto insurance quotes.
Some of the factors that could increase the cost of auto insurance are as follows:
Age Group:
The cost of auto insurance is the lowest for drivers in the age groups of fifty and sixty ($1,133 and $1,149). In contrast, auto insurance for teenagers continues to be high, at $4,170. The cost of auto insurance can vary from one age group to another. It also depends on the neighborhood and the make and model of the vehicle.
DUI:
DUIs can prove to be extremely expensive for car owners in almost every city in the country. This can have a lasting impact on insurance rates as well. The cost of auto insurance post-DUI in Thornton can be as high as $1,942.
Driving Violations:
Driving Violations such as driving with an expired license or speeding can also have a severe impact on the cost of auto insurance in Thornton, CO, mainly because it increases the amount of risk being covered by insurers. Speeding (+ $315) or driving with an expired license (+ $866) can prove to be quite expensive.
Credit Score:
A low credit score could also mean an increase in the cost of auto insurance. Moreover, auto insurance increases when the credit score is “poor” or “average.” The cost of auto insurance for a driver with an exceptional credit score is as low as $1,103. It increases to $1,747 and $2,096 when the credit score is average or poor.
Deductibles:
This is one of the most common factors influencing the cost of auto insurance in Thornton, CO. A low deductible ($500) usually increases the cost of auto insurance, whereas a high deductible ($1,000) lowers it. For example, the average cost of auto insurance when the deductible is $500 is $1,196, and it decreases to $1,010 when the deductible is $1,000.
Other factors that could make auto insurance expensive include not using anti-theft equipment. Comparing quotes is of utmost importance to reduce the cost of auto insurance in the city.
Factors that can influence the cost of car insurance in Thornton, CO are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.
- Thornton, CO Auto Insurance Rates
- Thornton, CO Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Thornton, CO
- Multi Vehicle Insurance Savings in Thornton, CO
- How Credit Score Affects Car Insurance Rates in Thornton, CO
- How DUI Affects Auto Insurance Premiums in Thornton, CO
- Top Auto Insurance Agents Near Thornton, CO
- How Driving Violations Affect Auto Insurance Rates in Thornton, CO
- Thornton, CO Auto Insurance Discounts on Anti Theft Feature
- Thornton, CO Auto Insurance Company Reviews
Thornton, CO Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top
The following table compares the cost of insurance in Thornton, CO with that of other cities in and around Thornton.
| Thornton | Todd Creek | Welby | Northglenn | Broomfield County | Federal Heights | |
|---|---|---|---|---|---|---|
| Average Insurance Rates | $1,285 | $1,973 | $1,745 | $1,779 | $1,124 | $1,665 |
Thornton, CO Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top
The following table makes a comparison of the variation in car insurance rates in and around Thornton, CO based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.
| Location | Low Deductible ($500) | High Deductible ($1000) |
|---|---|---|
| Thornton | $1,196 | $1,010 |
| Northglenn | $1,466 | $1,238 |
| West Adams | $1,707 | $1,442 |
| Federal Heights | $1,884 | $1,591 |
| Welby | $1,838 | $1,552 |
| Derby | $1,436 | $1,213 |
| Todd Creek | $1,575 | $1,330 |
| Broomfield County | $1,152 | $973 |
Thornton, CO Auto Insurance Rates Based on the Age of the Driver | Back to Top
Teenagers in Thornton, CO usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.
| Age of Driver | Insurance Cost |
|---|---|
| Teens | $4,170 |
| 20 Years | $1,651 |
| 30 Years | $1,272 |
| 40 Years | $1,224 |
| 50 Years | $1,133 |
| 60 Years | $1,149 |
| 70 Years | $1,337 |
Thornton, CO Car Insurance Discounts for Multi-Car Insurance | Back to Top
Car owners in Thornton, CO can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:
| Number of Cars | Auto Insurance Cost | Total Savings |
|---|---|---|
| 2 Vehicles | $2,236 | $334 |
| 3 Vehicles | $3,354 | $501 |
| 4 Vehicles | $4,472 | $668 |
Savings on 2 Vehicles bundle:$334
Savings on 3 Vehicles bundle:$501
Savings on 4 Vehicles bundle:$668
Thornton, CO Post- DUI Auto Insurance Rates | Back to Top
Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Thornton, CO.
| Location | Average Insurance Cost | Post DUI Insurance Rate |
|---|---|---|
| Thornton | $1,285 | $1,942 |
| Northglenn | $1,779 | $2,689 |
| West Adams | $1,784 | $2,696 |
| Federal Heights | $1,665 | $2,517 |
| Welby | $1,745 | $2,638 |
| Derby | $1,722 | $2,603 |
| Todd Creek | $1,973 | $2,982 |
| Broomfield County | $1,124 | $1,699 |
Thornton, CO Auto Insurance Rates Based on Credit Score | Back to Top
Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.
| Credit Score | Insurance Cost |
|---|---|
| Exceptional (800-850) | $1,103 |
| Excellent (740-799) | $1,258 |
| Good (670-739) | $1,339 |
| Average (580-669) | $1,747 |
| Poor (300-579) | $2,096 |
Thornton, CO Auto Insurance Agents | Back to Top
Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.
| Agent Name | Company | Agent Address | Contact Details |
|---|---|---|---|
| Craig Kirscht | Farmers | 2000 W 120th Ave Ste 7, Westminster, 80234 | (303) 280-0448 |
| Miriam Lawson | State Farm | 11480 Sheridan Blvd Ste 301, Westminster, 80020-3347 | 303-469-1729 |
| Richards Seeley And Schaefer Inc | Travelers | 3640 WEST 112TH AVE, WESTMINSTER, 80031 | 303-429-3561 |
| Piiac | None | 8354 Northfield Blvd, Suite 2710, Denver, 80238 | None |
| Diane Metter | Liberty Mutual | 4582 S. Ulster Street Suite 200, Denver, 80237 | 1-720-489-8400 |
| Lisa Moss | Farmers | 6800 Broadwaynit 104, Denver, 80221 | (720) 287-1067 |
| Lea Gerber | Farmers | 11152 Huron St Ste 209, Northglenn, 80234 | (720) 358-5800 |
| Premier Ins-Kline S | Travelers | 1681 W 115TH CIR, WESTMINSTER, 80234 | 303-668-5026 |
| Western Group Inc-Denver | Liberty Mutual Independent | 6425 W 44TH AVENUE, WHEATRIDGE, 80033 | 303-202-0082 |
| Ken Kearney | State Farm | 7878 Wadsworth Blvd Ste 250, Arvada, 80003-2197 | 303-425-0555 |
Thornton, CO Auto Insurance Rates can Increase Based on Driving Violations | Back to Top
Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.
| Driving Violation | Cost Increase | Total Insurance Cost |
|---|---|---|
| Driving Without Headlights | +$57 | $1,342 |
| Driver's Failure In Showing Documents | +$125 | $1,410 |
| Driving With An Expired Registration | +$132 | $1,417 |
| Driving At A Considerably Slow Pace | +$279 | $1,564 |
| Using A Cellphone While Driving | +$294 | $1,579 |
| Running A Red Light | +$299 | $1,584 |
| Speeding | +$315 | $1,600 |
| Driving A Vehicle Without The Required Permission | +$400 | $1,685 |
| Driving With An Expired/Suspended License | +$866 | $2,151 |
Thornton, CO Auto Insurance Rates Based on Anti-Theft Feature | Back to Top
Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.
| Anti Theft Feature | Insurance Cost |
|---|---|
| Audible Alarm | $1,234 |
| Active Disabling Device | $1,234 |
| Tracking Device | $1,208 |
| Passive Disabling Device | $1,195 |
Latest Auto Insurance Reviews in Thornton, CO | Back to Top
UsaaThe car insurance policy is extremely competitive and comprehensive. I would argue that they are one of the best car insurance providers at a very reasonable cost.
Safeco InsuranceOur deductibles are fine and follow the industry standard. We quoted out a bunch of insurance companies with our broker all with similar deductibles to compare apples to apples.
UsaaUSAA has some great customer service. Always really easy to accomplish things through their mobile app or website and if I have questions the sales reps are very helpful.
NationwideI do not like the premiums or the deductible that LA Insurance offers, but compared to others in the area they are the most affordable.
NationwideI do not like the premiums or the deductible that LA Insurance offers, but compared to others in the area they are the most affordable.
UsaaI dislike that they are always raising my insurance. I think one time due to all the hail that happens in my area. I never submitted a claim for this but I am being penalized for it anyway.
ProgressiveIt saved more than $150 compared to my previous auto insurance, though I applied for same policies and coverage.
Liberty MutualI feel that the company charges too high of a premium for supposedly a higher quality product, but I do not see that to be the case. Their communication is also below average.
UsaaThey have a very handy app. I have used it successfully for filing for road service. It is easy to navigate. Customer support on the phone is also very responsive and easy to speak with.
American Family InsuranceIt has great rates for the coverage provided, also it has low deductibles. I feel adequately covered and I have all the confidence in the world for them.
AaaThe customer service is fluent and prompt. I do not like the sales pressure for increasing coverage that may not be necessary.
State FarmThe premiums are higher than most other companies. They also go up a lot.
AaaDue to driving record of my co-insured person, the premium is currently very high. Without the negative driving record, the premium is worth the cost considering the great service, and the Member dividends paid out annually.