Car Insurance Cost in Thornton, CO – Average Rates + Cheapest (2025)

• Thornton car insurance rates cost an average of $2,870 per year, or approximately $239 per month, for a full coverage policy.
• Thornton, CO, car insurance averages $226 per year more than the Colorado state average ($2,644) and $594 per year more than the average for all 50 states ($2,276).
• Models like the Hyundai Venue, the Kia Soul, the Nissan Murano, and the Subaru Crosstrek have good rankings for cheap car insurance in Thornton.
• Models with segment-leading auto insurance rates include the Mercedes-Benz CLA250 at $2,954 per year, Toyota GR Corolla at $2,496 per year, Chevrolet Colorado at $2,532 per year, and Nissan Titan at $2,684 per year.

How much does car insurance cost in Thornton?

The average car insurance cost in Thornton is $2,870 per year, which is 23.1% more than the overall U.S. national average rate of $2,276. The average monthly cost of car insurance in Thornton is $239 for a full-coverage car insurance policy.

In the state of Colorado, average car insurance cost is $2,644 per year, so the average cost in Thornton is $226 more per year. The cost to insure a vehicle in Thornton compared to other Colorado locations is around $88 per year more expensive than in Colorado Springs, $446 per year more expensive than in Fort Collins, and $28 per year cheaper than in Aurora.

The chart below displays additional costs for drivers age 20 to 60 by including rates for three different physical damage coverage deductibles. These extra rates can help you understand how the cost of a car insurance policy increases with lower deductibles, and decreases when a higher deductible limit is purchased.

Average car insurance rates in the chart range from $2,014 per year for a policy with high deductibles for a 60-year-old driver to $6,722 per year for a 20-year-old driver with a policy with low comprehensive and collision deductibles.

When the average rates are converted to monthly figures, the average cost of car insurance per month in Thornton ranges from $168 to $560.

Auto insurance rates can have significant differences in cost and are impacted by many different factors. The potential for large variability stresses the need for accurate free car insurance quotes when looking for the cheapest Thornton auto insurance.

Driver age influences the price of car insurance, so the list below illustrates this point by showing the difference in average car insurance rates in Thornton for different driver ages.

Average cost of car insurance in Thornton, Colorado, for drivers age 16 to 60

• 16-year-old driver – $10,231 per year or $853 per month
• 17-year-old driver – $9,912 per year or $826 per month
• 18-year-old driver – $8,883 per year or $740 per month
• 19-year-old driver – $8,089 per year or $674 per month
• 20-year-old driver – $5,782 per year or $482 per month
• 30-year-old driver – $3,066 per year or $256 per month
• 40-year-old driver – $2,870 per year or $239 per month
• 50-year-old driver – $2,548 per year or $212 per month
• 60-year-old driver – $2,382 per year or $199 per month

Which autos have the cheapest car insurance in Thornton?

The models with the lowest cost average auto insurance quotes in Thornton tend to be crossovers and small SUVs like the Kia Soul, Chevrolet Trailblazer, Buick Envision, and Nissan Kicks. Average insurance quotes for those small SUVs cost $2,334 or less per year for a policy with full coverage.

Some other vehicles that have affordable auto insurance prices in our cost comparison are the Acura RDX, Ford Bronco Sport, Buick Envista, and Buick Encore. The average rates are a little higher for those models than the small SUVs and crossovers at the top of the list, but they still have average rates of $2,496 or less per year, or around $208 per month in Thornton.

The next table shows the vehicles with the cheapest overall insurance rates in Thornton, sorted by average cost.

The table above that contains 20 vehicle models with cheap Thornton car insurance is probably not the best way to present a complete summary of Thornton car insurance cost. A more useful way to rank rates for more vehicle models is by sorting them by vehicle segment.

The next section of this article illustrates the average cost of auto insurance for each different vehicle segment. The rates shown in the chart will give you a decent idea of the automotive segments that have the cheapest rates. Then the six subsequent sections display the models with the most affordable car insurance in each unique segment.

Cost to insure by automotive segment

If you’re shopping for a new vehicle, it’s important to know which styles of vehicles are cheaper to insure.

For instance, some people wonder if compact cars cost less to insure than midsize cars or which size of pickup has cheaper car insurance.

The chart below shows average auto insurance rates by segment in Thornton. When looking at rates from a segment perspective, compact SUVs, vans, and midsize pickups tend to have the most affordable rates, while exotic high-performance models have the highest average insurance cost.

Average rates by automotive segment are useful to form a general comparison, but the insurance cost for specific vehicles ranges substantially within each segment displayed in the chart above.

For example, in the small luxury car segment, average Thornton car insurance rates range from the Acura Integra at $2,552 per year for full coverage insurance to the BMW M340i costing $3,508 per year.

In the sports car segment, rates range from the Mazda MX-5 Miata costing $2,658 per year up to the Mercedes-Benz SL 63 costing $5,900 per year.

In the upcoming sections, we reduce this variability by analyzing auto insurance cost at a model level.

Cheapest car insurance rates in Thornton, CO

Ranked at #1 in Thornton for cheapest average insurance rates in the non-luxury sedan segment is the Toyota GR Corolla, with an average cost of $2,496 per year. Second place is the Nissan Leaf costing $2,514 per year, third place goes to the Honda Civic, at an average of $2,544 per year, and in fourth place is the Nissan Sentra, at an average of $2,630 per year.

Other models that have affordable average insurance rates are the Toyota Prius, Toyota Corolla, Kia K5, and Chevrolet Malibu, with an average cost of $2,800 per year or less.

Additional vehicles that made the list include the Subaru Legacy, Hyundai Sonata, Nissan Versa, Volkswagen Jetta, and Hyundai Ioniq 6, which cost between $2,800 and $2,970 per year for full-coverage insurance in Thornton.

Car insurance rates for this segment in Thornton starts at around $208 per month, depending on the company.

When ranked by vehicle size, the cheapest compact car to insure in Thornton is the Toyota GR Corolla at $2,496 per year, or $208 per month. For midsize models, the Kia K5 is the cheapest model to insure at $2,766 per year, or $231 per month. And for large cars, the Chrysler 300 has the cheapest car insurance rates at $2,736 per year, or $228 per month.

The rate comparison table below ranks the cars with the lowest-cost car insurance rates in Thornton, starting with the Toyota GR Corolla at $208 per month and ending with the Mazda 3 at $248 per month.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Is your vehicle not in the list? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Colorado.

SUVs with the best auto insurance rates in Thornton

The four highest ranking non-luxury SUVs with the lowest-cost car insurance in Thornton are the Subaru Crosstrek at $2,124 per year, Chevrolet Trailblazer at $2,158 per year, Kia Soul at $2,240 per year, and Nissan Kicks at $2,262 per year.

Additional SUVs that have good average insurance rates include the Toyota Corolla Cross, Buick Envision, Hyundai Venue, and Ford Bronco Sport, with an average cost of $2,350 per year or less.

Full-coverage auto insurance for this segment in Thornton for a good driver starts at around $177 per month, depending on where you live. The next table ranks the SUVs with the lowest-cost auto insurance rates in Thornton.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your SUV in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Colorado.

Cheapest luxury car insurance rates in Thornton

The #1 ranking in Thornton for cheapest auto insurance rates in the luxury sedan segment is the Acura Integra, coming in at $2,552 per year. Second place is the BMW 330i costing $2,924 per year, and in third place is the Mercedes-Benz CLA250, costing an average of $2,954 per year.

Rounding out the top 10 are cars like the Genesis G70, Mercedes-Benz AMG CLA35, Lexus ES 350, and Lexus RC 300, with an average car insurance cost of $3,018 per year or less.

Car insurance in Thornton for this segment for the average driver will start around $213 per month, depending on the company and where you live.

The most budget-friendly compact luxury car to insure in Thornton is the Acura Integra at $2,552 per year. For midsize luxury cars, the Mercedes-Benz CLA250 is cheapest to insure at $2,954 per year. And for full-size luxury cars, the Audi A5 has the cheapest car insurance rates at $3,414 per year.

The next table ranks the twenty cars with the lowest-cost average insurance rates in Thornton, starting with the Acura Integra at $213 per month and ending with the Audi S3 at $268 per month.

See our guide for luxury car insurance to compare rates for all makes and models.

Don’t see rates for your luxury car? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Thornton car insurance quotes from top car insurance companies in Colorado.

Luxury SUVs with cheap auto insurance rates

Ranking at the top for the lowest-cost Thornton auto insurance rates in the luxury SUV segment are the Cadillac XT4, Jaguar E-Pace, Lexus NX 250, Acura RDX, and Cadillac XT5. Car insurance rates for these 2024 models average $226 or less per month.

Additional models that have affordable insurance rates are the Lexus NX 350h, Lexus NX 450h, Lexus UX 250h, and Mercedes-Benz GLB 250, with average rates of $2,770 per year or less.

In the bottom half of the top 20, models like the Lexus RX 350, Mercedes-Benz AMG GLB35, Infiniti QX60, Acura MDX, Infiniti QX50, and Cadillac XT6 average between $2,770 and $2,884 per year to insure in Thornton.

Auto insurance rates in Thornton for this segment for an average middle-age driver starts at around $200 per month, depending on your company and location.

If prices are ranked by vehicle size, the most budget-friendly compact luxury SUV to insure in Thornton is the Acura RDX at $2,404 per year, or $200 per month. For midsize 2024 models, the Jaguar E-Pace is cheapest to insure at $2,686 per year, or $224 per month. And for full-size luxury SUVs, the Infiniti QX80 has the most affordable rates at $3,220 per year, or $268 per month.

The table below ranks the SUVs with the lowest-cost car insurance rates in Thornton, starting with the Acura RDX at $200 per month and ending with the Lexus RX 350 at $240 per month.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Don’t see your luxury SUV in the table above? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Thornton car insurance quotes from top car insurance companies in Colorado.

Cheap pickup trucks to insure in Thornton, CO

The most affordable pickups to insure in Thornton are the Chevrolet Colorado at $2,532 per year, the Nissan Titan at $2,684 per year, and the Nissan Frontier at $2,718 per year.

Also ranking well are models like the GMC Sierra 2500 HD, Hyundai Santa Cruz, Toyota Tacoma, and Honda Ridgeline, with an average cost of $2,954 per year or less.

Full-coverage insurance for this segment in Thornton for the average driver will start around $211 per month, depending on where you live and the company you use. The comparison table below ranks the pickups with the cheapest auto insurance rates in Thornton, starting with the Chevrolet Colorado at $2,532 per year and ending with the Ram Truck at $3,324 per year.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Looking for rates for a different pickup? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Thornton car insurance quotes from top car insurance companies in Colorado.

Sports cars with cheap auto insurance

Sitting at number one in Thornton for cheapest auto insurance rates in the sports car segment is the Mazda MX-5 Miata, costing an average of $2,658 per year. Second place is the Toyota GR86 costing $3,024 per year, in third place is the Ford Mustang, at an average of $3,158 per year, and the fourth most affordable is the BMW Z4, costing an average of $3,172 per year.

Additional models that have cheaper rates are the Subaru BRZ, Lexus RC F, Nissan Z, and BMW M2, with average annual insurance rates of $3,434 per year or less.

Full-coverage auto insurance in this segment for a good driver starts at around $222 per month, depending on your company and location. The next table ranks the sports cars with the most affordable insurance rates in Thornton, starting with the Mazda MX-5 Miata at $2,658 per year ($222 per month) and ending with the Porsche Taycan at $4,864 per year ($405 per month).

Is your vehicle not in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top car insurance companies in Thornton.

How to find cheaper Thornton car insurance

Financially savvy drivers are always looking to cut the monthly cost of insurance So look through the savings concepts in this next list and maybe you can save a few bucks when buying auto insurance.

• Compare rates before you buy the car. Different cars, and even different trim levels of the same car, have very different costs for insurance, and auto insurance companies can price policies with a wide range of prices. Get quotes before you buy in order to avoid any surprises when you get the bill.
• Stay claim free. Car insurance companies offer discounts if you do not file any claims. Car insurance should only be used in the case of significant financial loss, not for insignificant claims.
• Obey driving laws to keep rates low. To get the cheapest auto insurance in Thornton, it’s necessary to to be a conservative driver. Just a couple of speeding tickets could possibly raise policy rates by at least $766 per year. Serious misdemeanors like driving on a suspended license could raise rates by an additional $2,672 or more.
• Think about raising your deductibles. Increasing your policy deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Policy discounts equal cheaper auto insurance rates. Discounted rates may be available if the insureds are loyal customers, sign their policy early, belong to certain professional organizations, are good students, drive low annual mileage, or many other discounts which could save the average Thornton driver as much as $482 per year.
• Buy vehicles that are cheaper to insure. The vehicle you drive is a huge factor in the cost of car insurance. As an example, a Kia Sportage costs $1,304 less per year to insure in Thornton than a Porsche 911. Less performance means less cost.