Thornton Auto Insurance Rates, Quotes, Agents & Reviews in CO

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.

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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.

factors_influencing_the_cost_of_car_insurance_in_thornton_co

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 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

Usaa
The 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 Insurance
Our 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.
Usaa
USAA 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.
Nationwide
I do not like the premiums or the deductible that LA Insurance offers, but compared to others in the area they are the most affordable.
Nationwide
I do not like the premiums or the deductible that LA Insurance offers, but compared to others in the area they are the most affordable.
Usaa
I 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.
Progressive
It saved more than $150 compared to my previous auto insurance, though I applied for same policies and coverage.
Liberty Mutual
I 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.
Usaa
They 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 Insurance
It 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.
Aaa
The customer service is fluent and prompt. I do not like the sales pressure for increasing coverage that may not be necessary.
State Farm
The premiums are higher than most other companies. They also go up a lot.
Aaa
Due 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.