Excluding USAA, GEICO offers the cheapest car insurance in Thornton, but the lowest-cost option for you may differ depending on your driving profile.
GEICO also offers the cheapest state-minimum policy and is the best option for drivers with a speeding ticket. For military families, USAA provides the best rates.
MoneyGeek’s also evaluated the best car insurance in Thornton for companies that balance service and cost and found that State Farm ranked highest.
The Cheapest and Best Car Insurance in Thornton
The Cheapest Car Insurance Companies in Thornton
You can find the cheapest full coverage car insurance in Thornton from the following companies:
- GEICO: $761 per year
- Travelers: $962 per year
For current and former military members, USAA is the cheapest option in the city at an average cost of $635 per year.
GEICO, the most affordable company in the city, costs approximately 160% less than Progressive, the most expensive company.
In addition to liability insurance, full coverage car insurance includes comprehensive and collision coverage. Rates may vary depending on your coverage levels. Insurers may also offer varying rates.
Cheapest Car Insurance in Thornton
- Company100/300/100per year
- 1.$635
- 2.$761
- 3.$962
- 4.$1,034
- 5.$1,080
For this guide, MoneyGeek collected average rates for a 40-year-old male driver in Thornton with a full coverage policy, as defined in our methodology.
Purchasing full coverage auto insurance provides you with more financial protection. It may cost more than the state minimum policy, but includes the following coverage types:
- Comprehensive Coverage: It pays for the repair or replacement of your vehicle in case of damage in any incident.
- Collision Coverage: It covers the repair or replacement cost of your vehicle if it’s damaged in an at-fault accident.
If you have an older car, it may be better to opt for liability-only insurance or a state-minimum policy to get the cheapest insurance rates, as a full coverage policy may cost more than it’s worth to insure your car.
Compare Car Insurance Rates in Thornton
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Thornton for Minimum Coverage
The cheapest car insurance in Thornton for drivers who want state-minimum policies are:
- GEICO: $341 per year
- State Farm: $516 per year
For military families, USAA is the most affordable option in Thornton with an average cost of $275 per year.
GEICO offers the cheapest minimum coverage in the city and its policies cost an average of $1027 less than the policies offered by Progressive, the most expensive company in Thornton.
If you drive an older car, liability-only coverage might be your best bet. You may end up paying more than your car is worth with a full coverage policy. Look at the table to compare costs.
Cheapest Minimum Liability Car Insurance in Thornton
- CompanyState Minimumper year
- 1.$275
- 2.$341
- 3.$516
- 4.$609
- 5.$640
Colorado’s minimum car insurance is the cheapest option in Thornton, but it may not offer you the best protection.
In Colorado, every driver is required to have an auto insurance policy with at least 20/50/15 in liability limits. While a minimum coverage policy costs less and will help you save on your monthly insurance costs, it won’t ensure complete protection and you might have to pay more out of pocket in case of an accident.
For example, suppose you are at fault for an accident and damage $10,000 worth of property and have only $5,000 in coverage. In that case, you will be responsible for the additional $5,000.
Colorado Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Thornton if You Have Driving Violations
Your driving record is a key factor affecting your car insurance premiums. Having violations like speeding tickets, at-fault accidents or DUIs on your driving record can cause your rates to increase.
The companies offering the most affordable car insurance in Thornton for drivers with driving violations are:
- Cheapest after a speeding ticket: GEICO, $961 per year
- Cheapest after a DUI: State Farm, $1,166 per year
- Cheapest after an at-fault accident: State Farm, $1,252 per year
For drivers with a military background and a speeding ticket or an at-fault accident on their record, USAA offers the cheapest policies in the city.
If you have a bad driving record, you can get more affordable rates by improving your record over time. Meanwhile, comparing car insurance quotes in Thornton can help you find the best deal.
Cheapest Car Insurance in Thornton With a Violation
- CompanySpeeding Ticketper year
- 1.$771
- 2.$961
- 3.$1,166
- 4.$1,233
- 5.$1,238
Average Cost of Car Insurance in Thornton
Thornton’s average insurance cost is $1,357 per year, lower than both state and national averages. Drivers in Thornton pay 6.4% less on average than other drivers in Colorado and 4.7% less than the national average.
Personalized Quotes to Get You the Cheapest Car Insurance in Thornton
When you gather car insurance quotes in Thornton, it’s crucial to note that insurers use several factors to set rates. These include your age, gender, driving history and ZIP code. Your car’s make and model, as well as your preferred coverage levels, also impact the cost of car insurance in Thornton.
As insurers weigh factors differently, comparing quotes can help you find the best rate given your situation. Compare quotes from at least three different insurers to find the cheapest option for you.
Compare Car Insurance Rates in Thornton
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Thornton
MoneyGeek's scoring scheme evaluated claims, satisfaction and affordability when determining the best car insurance companies. Based on these criteria, MoneyGeek determined that the two leading car insurance companies in Thorton, Colorado are:
- GEICO: MoneyGeek score of 87 out of 100
- State Farm: MoneyGeek score of 85 out of 100
USAA received a perfect score of 100 out of 100. Unfortunately, not everyone is eligible for coverage through USAA because the company is only accessible to military members and their families.

GEICO is one of the leading car insurance companies in Thornton, and its average annual price for full coverage is $761. It scored well in affordability, claims and satisfaction. Mechanical breakdown is one of GEICO’s unique coverages.
GEICO’s mechanical breakdown coverage is more comprehensive than that of other dealers. This coverage includes all auto parts and systems rather than just a limited list. It can be applied to new and leased cars that are less than 15 months old and have fewer than 15,000 miles.
GEICO also offers accident forgiveness. This can be earned or purchased in Thorton. With this coverage, your insurance rate won't go up as a result of your first at-fault accident. You can either purchase accident forgiveness or earn it if you're over 21 and have been accident-free for at least five years.
Read MoneyGeek's GEICO auto Insurance Review
State Farm earned high scores in affordability, satisfaction and claims. It offers full coverage car insurance in Thornton that costs around $1,080. It offers rideshare insurance as an uncommon coverage.
If you're involved in an accident while driving a rental car, State Farm will reimburse you for your car rental expenses up to your chosen limits. They'll pay for your travel expenses up to $500, and they'll reimburse you up to $500 for your deductible if you're held responsible for the accident.
Furthermore, State Farm’s rideshare insurance in Thorton provides medical, emergency roadside assistance and rental car reimbursement in your personal policy if you’re working for a ridesharing company. This extends all coverages when the app is on and you're available for hire.
Read MoneyGeek's State Farm auto Insurance Review







Average Cost of Car Insurance by Postal Code
Where you live is one of the factors that can significantly affect auto insurance quotes. Insurers use your ZIP code to determine several risk factors.
For example, if there are a high number of accidents in your area, this may cause your premium to increase. Frequent occurrences of automobile theft or vandalism have the same effect. Our data shows that the 80241 ZIP code residents pay an average of $1,357 per year for a car insurance policy.
- Zip CodeState Minimumper year
- 80241$1,357
Factors That Impact Insurance Costs in Thornton
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Thornton. How Thornton ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
