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.
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.
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.
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.
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.
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.
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.
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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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?

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?

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?

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
