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Your particular needs and driver profile will dictate which car insurance company is the cheapest for you. In Thornton, American National P&C offers the lowest rates for minimum and full coverage policies. It’s also the least expensive option for drivers with offenses and those with a military background. Kemper is the most affordable for teenagers on a family policy.

If you value service quality and affordability, American National P&C is MoneyGeek's pick for the best overall and cheapest car insurance in Thornton. Acuity is the best for customer service.

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2023

Cheapest and Best Car Insurance in Thornton, CO

Cheapest Minimum Liability Car Insurance in Thornton

Based on our study, Thornton’s cheapest car insurance companies for minimum coverage are:

  • American National P&C: $228 per year
  • Colorado Farm Bureau: $340 per year

Allstate is the most expensive, with minimum coverage policies averaging $668 per year as of October 2022. American National P&C also offers the cheapest auto insurance in Colorado at $216 per year, lower than the company’s average rate for Thornton.

Company
Annual Premium
Monthly Premium

American National P&C

$228

$19

American National P&C

$262

$22

American National P&C

$274

$23

Colorado Farm Bureau

$340

$28

GEICO

$343

$29

GEICO

$379

$32

GEICO

$384

$32

State Farm

$408

$34

Auto-Owners Insurance Co

$417

$35

Auto-Owners Insurance Co

$421

$35

American Family

$428

$36

State Farm

$434

$36

American Family

$461

$38

Colorado Farm Bureau

$487

$41

Nationwide

$499

$42

Kemper

$508

$42

Nationwide

$512

$43

Progressive

$532

$44

American National P&C

$542

$45

American National P&C

$544

$45

Progressive

$555

$46

State Farm

$558

$46

Kemper

$567

$47

American Family

$579

$48

Acuity

$584

$49

Kemper

$592

$49

Auto-Owners Insurance Co

$599

$50

Farmers Union Insurance

$620

$52

Progressive

$625

$52

Colorado Farm Bureau

$628

$52

Farmers

$628

$52

Allstate

$641

$53

Farmers

$652

$54

Acuity

$653

$54

Allstate

$668

$56

American National P&C

$676

$56

Farmers Union Insurance

$679

$57

Farmers Union Insurance

$704

$59

GEICO

$708

$59

Nationwide

$717

$60

GEICO

$731

$61

Allstate

$757

$63

Farmers

$769

$64

GEICO

$805

$67

American Family

$838

$70

Acuity

$853

$71

Colorado Farm Bureau

$854

$71

State Farm

$874

$73

American Family

$945

$79

State Farm

$961

$80

Allstate

$975

$81

Nationwide

$977

$81

Auto-Owners Insurance Co

$983

$82

Progressive

$992

$83

Progressive

$1,001

$83

Allstate

$1,049

$87

Colorado Farm Bureau

$1,054

$88

Auto-Owners Insurance Co

$1,061

$88

Nationwide

$1,082

$90

American Family

$1,189

$99

Kemper

$1,190

$99

Farmers

$1,211

$101

Progressive

$1,225

$102

Farmers Union Insurance

$1,240

$103

State Farm

$1,257

$105

Farmers

$1,261

$105

Allstate

$1,267

$106

Kemper

$1,277

$106

Colorado Farm Bureau

$1,344

$112

Acuity

$1,349

$112

Farmers Union Insurance

$1,351

$113

Acuity

$1,364

$114

Nationwide

$1,401

$117

Auto-Owners Insurance Co

$1,473

$123

Kemper

$1,500

$125

Farmers

$1,521

$127

Farmers Union Insurance

$1,530

$128

Acuity

$1,898

$158

A minimum coverage policy in Colorado only covers bodily injury liability and property damage liability with the following limits:

  • $25,000 in bodily injury liability per person
  • $50,000 in bodily injury liability per accident
  • $15,000 in property damage liability per accident

Liability-only coverage protects you against the cost of damages to another driver in the event of an accident. If you are at-fault in an accident and have minimum coverage in Thornton, your insurance provider will shoulder medical costs up to $25,000 for each victim, for a maximum of $50,000 per accident.

Cheapest Full Coverage Car Insurance in Thornton

For full coverage, the most affordable car insurance companies in Thornton are:

  • American National P&C: $542 per year
  • GEICO: $708 per year

Acuity’s full coverage policy is the most expensive at roughly $1,349 per year as of October 2022. The cheapest car insurance company for full coverage in Colorado is American National P&C at an average of $541 per year, slightly lower than the average rate for the city.

Company
Annual Premium
Monthly Premium

American National P&C

$228

$19

American National P&C

$262

$22

American National P&C

$274

$23

Colorado Farm Bureau

$340

$28

GEICO

$343

$29

GEICO

$379

$32

GEICO

$384

$32

State Farm

$408

$34

Auto-Owners Insurance Co

$417

$35

Auto-Owners Insurance Co

$421

$35

American Family

$428

$36

State Farm

$434

$36

American Family

$461

$38

Colorado Farm Bureau

$487

$41

Nationwide

$499

$42

Kemper

$508

$42

Nationwide

$512

$43

Progressive

$532

$44

American National P&C

$542

$45

American National P&C

$544

$45

Progressive

$555

$46

State Farm

$558

$46

Kemper

$567

$47

American Family

$579

$48

Acuity

$584

$49

Kemper

$592

$49

Auto-Owners Insurance Co

$599

$50

Farmers Union Insurance

$620

$52

Progressive

$625

$52

Colorado Farm Bureau

$628

$52

Farmers

$628

$52

Allstate

$641

$53

Farmers

$652

$54

Acuity

$653

$54

Allstate

$668

$56

American National P&C

$676

$56

Farmers Union Insurance

$679

$57

Farmers Union Insurance

$704

$59

GEICO

$708

$59

Nationwide

$717

$60

GEICO

$731

$61

Allstate

$757

$63

Farmers

$769

$64

GEICO

$805

$67

American Family

$838

$70

Acuity

$853

$71

Colorado Farm Bureau

$854

$71

State Farm

$874

$73

American Family

$945

$79

State Farm

$961

$80

Allstate

$975

$81

Nationwide

$977

$81

Auto-Owners Insurance Co

$983

$82

Progressive

$992

$83

Progressive

$1,001

$83

Allstate

$1,049

$87

Colorado Farm Bureau

$1,054

$88

Auto-Owners Insurance Co

$1,061

$88

Nationwide

$1,082

$90

American Family

$1,189

$99

Kemper

$1,190

$99

Farmers

$1,211

$101

Progressive

$1,225

$102

Farmers Union Insurance

$1,240

$103

State Farm

$1,257

$105

Farmers

$1,261

$105

Allstate

$1,267

$106

Kemper

$1,277

$106

Colorado Farm Bureau

$1,344

$112

Acuity

$1,349

$112

Farmers Union Insurance

$1,351

$113

Acuity

$1,364

$114

Nationwide

$1,401

$117

Auto-Owners Insurance Co

$1,473

$123

Kemper

$1,500

$125

Farmers

$1,521

$127

Farmers Union Insurance

$1,530

$128

Acuity

$1,898

$158

Getting full coverage means adding comprehensive and collision insurance to your policy.

  • Collision Insurance: Covers the cost to repair or replace your vehicle after colliding with another car or object.
  • Comprehensive Insurance: Covers the cost to repair or replace your vehicle after a non-accident event, such as fire, vandalism or theft.

While a full coverage policy provides financial protection, paying hundreds of dollars more per year may not be advisable if your car is older or has a low value.

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Cheapest Car Insurance in Thornton After a Driving Offense

Thornton drivers with the following violations on their records may find the lowest rates from:

  • Speeding ticket: American National P&C ($635 per year)
  • At-fault accident: American National P&C ($737 per year)
  • DUI: American National P&C ($822 per year)

Acuity is the most expensive after a speeding ticket, an at-fault accident and a DUI at an average of $3,056 per year. Having violations on your record can negatively impact your rates, so even the lowest rates will still be more expensive after an offense.

Company
Annual Premium
Monthly Premium

American National P&C

$276

$23

American National P&C

$318

$27

American National P&C

$329

$27

American National P&C

$332

$28

American National P&C

$373

$31

American National P&C

$378

$32

American National P&C

$394

$33

GEICO

$411

$34

Colorado Farm Bureau

$429

$36

American National P&C

$429

$36

American National P&C

$447

$37

Colorado Farm Bureau

$451

$38

GEICO

$453

$38

State Farm

$453

$38

State Farm

$453

$38

Auto-Owners Insurance Co

$479

$40

American Family

$481

$40

American Family

$481

$40

State Farm

$482

$40

State Farm

$482

$40

Auto-Owners Insurance Co

$484

$40

American Family

$485

$40

State Farm

$498

$42

GEICO

$503

$42

Colorado Farm Bureau

$503

$42

American Family

$518

$43

American Family

$518

$43

American Family

$522

$44

State Farm

$530

$44

GEICO

$567

$47

Nationwide

$601

$50

Progressive

$611

$51

Nationwide

$614

$51

Colorado Farm Bureau

$615

$51

State Farm

$619

$52

State Farm

$619

$52

GEICO

$634

$53

American National P&C

$635

$53

American National P&C

$645

$54

Colorado Farm Bureau

$649

$54

American Family

$653

$54

American Family

$653

$54

American Family

$659

$55

Progressive

$676

$56

Kemper

$677

$56

Progressive

$678

$57

State Farm

$682

$57

Auto-Owners Insurance Co

$689

$57

Allstate

$699

$58

GEICO

$708

$59

Progressive

$711

$59

Colorado Farm Bureau

$720

$60

GEICO

$723

$60

Allstate

$730

$61

American National P&C

$737

$61

Auto-Owners Insurance Co

$742

$62

Auto-Owners Insurance Co

$748

$62

Progressive

$753

$63

American National P&C

$754

$63

Kemper

$756

$63

Farmers

$772

$64

Progressive

$780

$65

Kemper

$784

$65

Kemper

$788

$66

Nationwide

$792

$66

Colorado Farm Bureau

$794

$66

American National P&C

$796

$66

Nationwide

$809

$67

Nationwide

$819

$68

Allstate

$819

$68

American National P&C

$822

$69

GEICO

$830

$69

Allstate

$835

$70

Colorado Farm Bureau

$836

$70

American National P&C

$849

$71

Farmers Union Insurance

$853

$71

Farmers

$857

$71

Allstate

$859

$72

Allstate

$859

$72

Kemper

$875

$73

Progressive

$878

$73

GEICO

$887

$74

Farmers

$888

$74

Allstate

$901

$75

Farmers

$910

$76

Kemper

$912

$76

American National P&C

$928

$77

Colorado Farm Bureau

$931

$78

Farmers

$934

$78

Auto-Owners Insurance Co

$938

$78

Auto-Owners Insurance Co

$946

$79

Farmers Union Insurance

$954

$79

State Farm

$957

$80

State Farm

$957

$80

American Family

$972

$81

American Family

$972

$81

GEICO

$974

$81

Farmers Union Insurance

$988

$82

Farmers

$991

$83

Progressive

$994

$83

Nationwide

$994

$83

Allstate

$995

$83

Progressive

$997

$83

American Family

$999

$83

GEICO

$1,005

$84

Nationwide

$1,010

$84

Farmers

$1,028

$86

Farmers

$1,029

$86

Farmers Union Insurance

$1,033

$86

American National P&C

$1,038

$87

State Farm

$1,040

$87

Colorado Farm Bureau

$1,041

$87

Allstate

$1,048

$87

State Farm

$1,050

$87

State Farm

$1,050

$87

GEICO

$1,051

$88

Nationwide

$1,064

$89

Auto-Owners Insurance Co

$1,066

$89

Colorado Farm Bureau

$1,068

$89

Farmers

$1,078

$90

Allstate

$1,079

$90

Farmers Union Insurance

$1,082

$90

Farmers Union Insurance

$1,092

$91

American Family

$1,095

$91

American Family

$1,095

$91

Auto-Owners Insurance Co

$1,101

$92

Colorado Farm Bureau

$1,113

$93

American Family

$1,127

$94

State Farm

$1,138

$95

Allstate

$1,161

$97

Farmers Union Insurance

$1,178

$98

Farmers Union Insurance

$1,180

$98

Nationwide

$1,181

$98

Progressive

$1,182

$98

Auto-Owners Insurance Co

$1,182

$98

GEICO

$1,242

$104

Progressive

$1,243

$104

Nationwide

$1,266

$106

Kemper

$1,271

$106

Nationwide

$1,286

$107

Allstate

$1,294

$108

Colorado Farm Bureau

$1,311

$109

Progressive

$1,318

$110

Colorado Farm Bureau

$1,321

$110

Auto-Owners Insurance Co

$1,348

$112

Allstate

$1,362

$114

State Farm

$1,375

$115

State Farm

$1,375

$115

American Family

$1,383

$115

American Family

$1,383

$115

Progressive

$1,390

$116

Allstate

$1,394

$116

Farmers Union Insurance

$1,394

$116

GEICO

$1,401

$117

Colorado Farm Bureau

$1,406

$117

Allstate

$1,415

$118

Kemper

$1,417

$118

Progressive

$1,419

$118

American Family

$1,425

$119

Acuity

$1,463

$122

Acuity

$1,463

$122

Acuity

$1,463

$122

Allstate

$1,470

$122

Kemper

$1,479

$123

State Farm

$1,495

$125

GEICO

$1,514

$126

Kemper

$1,518

$127

GEICO

$1,543

$129

Nationwide

$1,547

$129

Progressive

$1,564

$130

Auto-Owners Insurance Co

$1,597

$133

Farmers

$1,602

$134

Nationwide

$1,605

$134

Acuity

$1,626

$136

Acuity

$1,626

$136

Acuity

$1,626

$136

Farmers

$1,627

$136

Kemper

$1,637

$136

Auto-Owners Insurance Co

$1,648

$137

Colorado Farm Bureau

$1,679

$140

Nationwide

$1,679

$140

Auto-Owners Insurance Co

$1,688

$141

Progressive

$1,691

$141

Colorado Farm Bureau

$1,693

$141

Kemper

$1,698

$141

Farmers Union Insurance

$1,701

$142

Allstate

$1,719

$143

GEICO

$1,766

$147

Farmers

$1,772

$148

Colorado Farm Bureau

$1,807

$151

Allstate

$1,815

$151

Farmers

$1,830

$153

Progressive

$1,833

$153

Kemper

$1,836

$153

Farmers

$1,837

$153

Farmers

$1,860

$155

Farmers

$1,882

$157

Kemper

$1,905

$159

Farmers Union Insurance

$1,907

$159

GEICO

$1,949

$162

Nationwide

$1,951

$163

Auto-Owners Insurance Co

$1,967

$164

Progressive

$1,970

$164

Farmers Union Insurance

$1,997

$166

Farmers

$2,032

$169

Farmers Union Insurance

$2,038

$170

Auto-Owners Insurance Co

$2,066

$172

Nationwide

$2,078

$173

Nationwide

$2,083

$174

Farmers

$2,100

$175

Farmers Union Insurance

$2,103

$175

Kemper

$2,124

$177

Acuity

$2,154

$180

Acuity

$2,154

$180

Acuity

$2,154

$180

Farmers Union Insurance

$2,230

$186

Farmers Union Insurance

$2,251

$188

Auto-Owners Insurance Co

$2,382

$199

Farmers Union Insurance

$2,432

$203

Nationwide

$2,482

$207

Farmers Union Insurance

$2,586

$215

Kemper

$2,793

$233

Auto-Owners Insurance Co

$2,930

$244

Kemper

$3,018

$251

Acuity

$3,056

$255

Acuity

$3,056

$255

Acuity

$3,056

$255

Acuity

$3,133

$261

Acuity

$3,133

$261

Acuity

$3,133

$261

Kemper

$3,509

$292

Acuity

$4,364

$364

Acuity

$4,364

$364

Acuity

$4,364

$364

Car insurance rates usually increase based on the severity of the driving violation. In Thornton, a driver with a DUI will pay roughly $769 more for a full coverage policy, while a driver with a speeding ticket will pay $378 more. However, you can still find the cheapest car insurance if you have a bad driving record.

Cheapest Car Insurance in Thornton for Teens and Their Families

In Thornton, the cheapest auto insurance providers for 16-year-old teens on a family policy are:

  • Kemper: $1,517 per year for male teens, $2,199 per year for female teens
  • GEICO: $2,322 per year for male teens, $2,201 per year for female teens

Farmers is the most expensive auto insurer for male teens ($5,027 per year) and female teens ($4,717 per year). Rates for male teens are often higher than for female teens because young men are riskier to insure. And in some cases, female teens can have higher rates, as with Kemper.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$1,078

$2,193

Kemper

$1,107

$3,391

State Farm

$1,180

$2,401

Kemper

$1,184

$10,037

State Farm

$1,233

$2,850

GEICO

$1,249

$2,321

State Farm

$1,273

$2,590

Kemper

$1,285

$6,311

Kemper

$1,323

$3,164

GEICO

$1,333

$1,664

GEICO

$1,355

$1,759

GEICO

$1,357

$2,491

GEICO

$1,412

$1,762

Kemper

$1,446

$12,251

GEICO

$1,455

$1,888

GEICO

$1,479

$1,846

GEICO

$1,485

$2,099

GEICO

$1,510

$2,264

GEICO

$1,510

$1,959

Kemper

$1,517

$16,280

Kemper

$1,517

$8,551

Kemper

$1,517

$5,578

Kemper

$1,525

$4,672

Kemper

$1,526

$7,495

GEICO

$1,535

$7,047

Nationwide

$1,614

$2,676

Kemper

$1,616

$5,143

Kemper

$1,617

$4,953

Nationwide

$1,624

$2,579

GEICO

$1,637

$7,201

Kemper

$1,653

$8,056

Nationwide

$1,667

$3,395

Kemper

$1,685

$4,628

GEICO

$1,696

$7,459

Nationwide

$1,721

$3,719

GEICO

$1,726

$3,856

Kemper

$1,737

$4,155

Kemper

$1,746

$4,177

State Farm

$1,763

$2,497

GEICO

$1,784

$3,877

Nationwide

$1,791

$2,845

Nationwide

$1,826

$3,177

Allstate

$1,854

$3,061

Allstate

$1,854

$3,061

GEICO

$1,856

$3,449

State Farm

$1,861

$3,064

Kemper

$1,863

$6,668

Nationwide

$1,865

$3,092

Kemper

$1,878

$5,975

GEICO

$1,883

$3,457

Nationwide

$1,883

$3,465

Nationwide

$1,888

$2,999

State Farm

$1,921

$2,720

Allstate

$1,929

$5,795

Allstate

$1,929

$5,795

Allstate

$1,931

$2,576

Allstate

$1,931

$2,576

Nationwide

$1,964

$3,256

Allstate

$1,989

$2,652

Allstate

$1,989

$2,652

Allstate

$2,027

$2,841

Allstate

$2,027

$2,841

State Farm

$2,035

$3,333

Allstate

$2,057

$2,743

Allstate

$2,057

$2,743

Auto-Owners Insurance Co

$2,061

$4,463

Auto-Owners Insurance Co

$2,063

$4,564

Kemper

$2,086

$10,167

State Farm

$2,102

$2,977

State Farm

$2,112

$3,886

State Farm

$2,112

$3,477

Allstate

$2,137

$3,956

Allstate

$2,137

$3,956

Allstate

$2,161

$3,569

Allstate

$2,161

$3,569

Auto-Owners Insurance Co

$2,170

$4,800

Kemper

$2,199

$13,936

GEICO

$2,201

$14,385

Auto-Owners Insurance Co

$2,244

$4,860

Nationwide

$2,245

$5,397

Auto-Owners Insurance Co

$2,248

$5,448

State Farm

$2,260

$3,659

Auto-Owners Insurance Co

$2,299

$5,086

GEICO

$2,322

$13,269

Nationwide

$2,354

$6,722

Auto-Owners Insurance Co

$2,377

$5,943

Nationwide

$2,390

$6,280

State Farm

$2,397

$4,412

Nationwide

$2,417

$4,920

Farmers

$2,428

$3,118

Auto-Owners Insurance Co

$2,460

$5,328

Auto-Owners Insurance Co

$2,468

$6,568

Auto-Owners Insurance Co

$2,478

$5,774

Nationwide

$2,487

$7,427

Nationwide

$2,504

$7,150

GEICO

$2,540

$11,661

Nationwide

$2,543

$5,493

Nationwide

$2,543

$7,721

Farmers

$2,565

$3,430

Allstate

$2,578

$7,742

Allstate

$2,578

$7,742

Progressive

$2,611

$3,706

State Farm

$2,620

$4,820

State Farm

$2,623

$4,247

Allstate

$2,638

$10,231

Allstate

$2,638

$10,231

Progressive

$2,676

$2,744

Nationwide

$2,688

$8,548

Auto-Owners Insurance Co

$2,692

$6,272

Progressive

$2,704

$2,765

Nationwide

$2,706

$8,216

Auto-Owners Insurance Co

$2,710

$6,897

State Farm

$2,715

$4,998

State Farm

$2,729

$5,659

Progressive

$2,765

$3,977

Auto-Owners Insurance Co

$2,804

$7,460

Auto-Owners Insurance Co

$2,827

$8,540

Progressive

$2,975

$3,042

State Farm

$3,005

$5,488

Progressive

$3,076

$3,529

Progressive

$3,083

$3,160

Progressive

$3,090

$4,976

Progressive

$3,155

$4,478

Progressive

$3,161

$3,647

Progressive

$3,175

$3,246

Auto-Owners Insurance Co

$3,213

$7,531

Progressive

$3,325

$3,409

Progressive

$3,379

$5,576

State Farm

$3,419

$6,244

Auto-Owners Insurance Co

$3,431

$9,745

State Farm

$3,434

$7,080

Farmers

$3,489

$2,759

Progressive

$3,495

$5,028

Auto-Owners Insurance Co

$3,524

$8,967

Auto-Owners Insurance Co

$3,534

$8,281

Farmers

$3,549

$2,806

Farmers

$3,561

$2,815

Farmers

$3,590

$2,975

Farmers

$3,609

$2,956

Farmers

$3,651

$2,991

Progressive

$3,693

$10,786

Farmers

$3,718

$3,046

Farmers

$3,747

$3,282

Auto-Owners Insurance Co

$3,847

$10,925

Auto-Owners Insurance Co

$3,850

$12,135

Farmers

$3,892

$6,155

Farmers

$3,990

$12,903

Progressive

$3,991

$11,282

Progressive

$4,023

$11,948

Farmers

$4,039

$6,607

Farmers

$4,215

$14,024

Progressive

$4,308

$12,304

Farmers

$4,409

$14,258

Progressive

$4,415

$12,893

Farmers

$4,455

$5,720

Farmers

$4,611

$6,165

Farmers

$4,696

$15,626

Farmers

$4,717

$18,603

Progressive

$4,758

$14,130

Farmers

$5,027

$20,534

The most cost-effective way to insure a teen driver is to add them to a family policy. For example, a male teen in Thornton buying an individual policy will pay $3,923 more than it would cost to add them to a family policy. For this reason, finding the cheapest auto insurance for teens is critical to saving on premiums.

Cheapest Car Insurance in Thornton for Military Drivers

Military families in Thornton should consider these companies for the cheapest full coverage rates:

  • American National P&C: $542 per year
  • GEICO: $708 per year

USAA is another highly recommended auto insurer for military members, with policies averaging $735 per year. For minimum coverage, American National P&C is still the cheapest car insurance company for military drivers at $228 per year, while USAA is the second cheapest at $290 per year.

Company
Annual Premium
Monthly Premium

American National P&C

$228

$19

American National P&C

$262

$22

American National P&C

$274

$23

USAA

$290

$24

USAA

$324

$27

Colorado Farm Bureau

$340

$28

GEICO

$343

$29

USAA

$377

$31

GEICO

$379

$32

GEICO

$384

$32

State Farm

$408

$34

Auto-Owners Insurance Co

$417

$35

Auto-Owners Insurance Co

$421

$35

American Family

$428

$36

State Farm

$434

$36

American Family

$461

$38

Colorado Farm Bureau

$487

$41

Nationwide

$499

$42

Kemper

$508

$42

Nationwide

$512

$43

Progressive

$532

$44

American National P&C

$542

$45

American National P&C

$544

$45

Progressive

$555

$46

State Farm

$558

$46

Kemper

$567

$47

American Family

$579

$48

Acuity

$584

$49

Kemper

$592

$49

Auto-Owners Insurance Co

$599

$50

Farmers Union Insurance

$620

$52

Progressive

$625

$52

Colorado Farm Bureau

$628

$52

Farmers

$628

$52

Allstate

$641

$53

Farmers

$652

$54

Acuity

$653

$54

Allstate

$668

$56

American National P&C

$676

$56

Farmers Union Insurance

$679

$57

Farmers Union Insurance

$704

$59

GEICO

$708

$59

Nationwide

$717

$60

GEICO

$731

$61

USAA

$735

$61

USAA

$751

$63

Allstate

$757

$63

Farmers

$769

$64

GEICO

$805

$67

American Family

$838

$70

Acuity

$853

$71

Colorado Farm Bureau

$854

$71

State Farm

$874

$73

USAA

$938

$78

American Family

$945

$79

State Farm

$961

$80

Allstate

$975

$81

Nationwide

$977

$81

Auto-Owners Insurance Co

$983

$82

Progressive

$992

$83

Progressive

$1,001

$83

Allstate

$1,049

$87

Colorado Farm Bureau

$1,054

$88

Auto-Owners Insurance Co

$1,061

$88

Nationwide

$1,082

$90

American Family

$1,189

$99

Kemper

$1,190

$99

Farmers

$1,211

$101

Progressive

$1,225

$102

Farmers Union Insurance

$1,240

$103

State Farm

$1,257

$105

Farmers

$1,261

$105

Allstate

$1,267

$106

Kemper

$1,277

$106

Colorado Farm Bureau

$1,344

$112

Acuity

$1,349

$112

Farmers Union Insurance

$1,351

$113

Acuity

$1,364

$114

Nationwide

$1,401

$117

Auto-Owners Insurance Co

$1,473

$123

Kemper

$1,500

$125

Farmers

$1,521

$127

Farmers Union Insurance

$1,530

$128

Acuity

$1,898

$158

How to Compare Cheap Thornton Car Insurance Quotes Online

Getting a car insurance quote online from one company can take 15 minutes or longer and requires you to input a lot of personal information. MoneyGeek’s car insurance calculator lets you get a quick rough estimate of rates from multiple companies based on your age, coverage level, vehicle type and driving record.

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USAA

Best Car Insurance in Thornton: Summary

Your best option for car insurance often depends on how much you value affordability, service quality, coverage and other factors. Our study discovered that these are the best auto insurers in Thornton:

  • Best overall: American National P&C (MoneyGeek score of 83 out of 100)
  • Best for service: Acuity (MoneyGeek score of 78 out of 100)
  • Best cheap: American National P&C (MoneyGeek score of 83 out of 100)

A company’s overall MoneyGeek score may change depending on whether factors are weighted differently for each category. American National P&C is also the best car insurance company in Colorado overall. Drivers with a military background may consider USAA, which earned a MoneyGeek score of 77 out of 100.

Best Overall Car Insurance in Thornton

Based on our analysis of affordability and service quality, the best car insurance companies in Thornton are:

  • American National P&C: MoneyGeek score of 83 out of 100 ($542 per year)
  • GEICO: MoneyGeek score of 69 out of 100 ($708 per year)

American National P&C scored the highest out of 11 insurers because of its affordable rates and above-average customer satisfaction. Those with a military background may fare best with USAA, which earned a MoneyGeek score of 77 out of 100.

How was this MoneyGeek score calculated?

American National Insurance Company

pros

Ranked first out of 13 insurers in affordability

Ranked third in customer satisfaction

Offers unique add-on coverages like added coverage endorsement (ACE) insurance

cons

Poor claims management

Missing some essential coverages like accident forgiveness

COMPANY HIGHLIGHTS

Because of its affordable policies and quality service, American National P&C is our pick for the best car insurance company in Thornton. It also has optional coverages that are beneficial for various types of drivers and rarely offered by other insurers, such as ACE insurance.

With American National P&C, you can add ACE insurance to your auto policy. This unique coverage helps cover replacement parts for damaged vehicles after a covered loss. American National P&C also has antique/classic car insurance, which provides financial protection for your classic car.

In terms of basic coverages, American National P&C offers roadside assistance and gap insurance. The former provides 24-hour help if you are stranded due to car trouble, while the latter helps fill the gap between the value of your vehicle and how much you owe on your lease or loan if your vehicle is a total loss.

Best Car Insurance in Thornton for Customer Service

Excluding cost from our analysis, Thornton’s best car insurance companies for customer service are:

  • Acuity: MoneyGeek score of 78 out of 100 ($1,349 per year)
  • American National P&C: MoneyGeek score of 67 out of 100 ($542 per year)

Acuity’s strongest areas are its customer service and coverage options. However, this company is the most expensive of the 13 insurers we reviewed, so you’ll pay a high price for its quality service.

How was this MoneyGeek score calculated?

Acuity

pros

Strong customer satisfaction and coverages scores

Offers valuable optional coverages like full glass coverage

cons

No accident forgiveness or original equipment manufacturer (OEM) coverage

COMPANY HIGHLIGHTS

Based on our analysis of J.D. Power’s customer satisfaction study and the National Association of Insurance Commissioners (NAIC) customer complaint index, Acuity provides excellent customer service. It also has a variety of optional coverages that various drivers may find valuable.

Among Acuity’s add-on coverages is full glass coverage, which covers the cost to repair or replace your vehicle’s windshield or windows if they are damaged in an accident. Plus, you won’t have to pay the comprehensive deductible when you file a glass claim.

Acuity also offers new car replacement coverage, which replaces your totaled vehicle with a brand-new one of a similar make or model. Policyholders can also purchase some of the most common optional coverages from Acuity, including roadside assistance and gap insurance.

Best Cheap Car Insurance in Thornton

For policies that only meet Colorado’s minimum coverage requirements, the best auto insurers in Thornton are:

  • American National P&C: MoneyGeek score of 83 out of 100 ($228 per year)
  • GEICO: MoneyGeek score of 67 out of 100 ($343 per year)

You may get the lowest rates with minimum coverage policies, but you’ll have little protection against liability costs and no coverage for damages to your vehicle in case of an accident.

How was this MoneyGeek score calculated?

American National Insurance Company

pros

An affordable minimum coverage policy costs $228 per year

Has discounts for bundling, multiple cars and early signing

High affordability and customer satisfaction scores

cons

No safe driving, paperless or pay-in-full discounts

Fewer coverage options compared to other insurers

COMPANY HIGHLIGHTS

American National P&C offers the best blend of affordability and quality service for minimum coverage policies. It's also the cheapest option for this coverage level at an average of $228 per year. You can further lower your premiums by qualifying for the company's discounts.

American National P&C provides discounts to drivers who bundle policies and those who insure more than one vehicle. It also gives premium discounts to customers who purchase a policy before their existing one expires. It’s worth noting, however, that these are the only discounts available with American National P&C. It doesn’t have discounts for being claims-free for a specified number of years, having safety features installed in the insured vehicle, enrolling in paperless billing or paying annual premiums in full.

Average Cost of Car Insurance in Thornton

In Thornton, the average cost of car insurance is $1,019 per year as of October 2022 and includes $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. This is $16 higher than the average cost of car insurance in Colorado and $246 cheaper than the national average of $1,265 per year. Where you live has an impact on your car insurance rates.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.