Car Insurance in Thornton

Drive confidently with the protection of affordable car insurance in Thornton.
Compare, shop and customize quotes from top-rated insurance carriers.

Driving Is Essential in Thornton

Although the 142,000 residents of Thornton benefit from a robust public transportation system, less than 10% of working adults utilize it to get to work. Over 80% of commuters drive their own vehicles to and from their place of employment, and many have a 30-minute commute one way.

That's a lot of people on the roads during commuting hours and a contributing factor to over 10,000 automobile accidents in Adams County annually. While the state of Colorado only requires residents to carry liability insurance, drivers would be advised to protect themselves with collision and comprehensive coverage as well.

The best way to get excellent auto insurance for a competitive price is to use a service like VIU by HUB. You can compare quotes from various carriers and choose a policy that gives you the protection you need at a price you can afford.

Car Insurance in Thornton

The state of Colorado makes it mandatory for residents to carry liability insurance on their automobiles. This includes the following coverage :

  • $25,000 for injury or death per person
  • $50,000 for injury or death per accident
  • $15,000 for property damage

Liability insurance pays for injury, death or property damage to others when you are at fault in an accident. To protect yourself in an accident, you will need to purchase additional types of coverage.

Optional Coverage in Colorado

There are several types of coverage that you can add to your automobile policy that will provide extra layers of protection to you and your family. The most common and widely valuable are these:

  • Collision coverage pays for damage to a vehicle in an automobile accident.
  • Comprehensive coverage pays for damage to your vehicle caused by events other than a collision, such as vandalism, fire or natural disasters.
  • Uninsured or underinsured motorist coverage helps pay for your injuries when you collide with a driver who does not have insurance, has too little insurance or one who flees the site of the crash.

Other forms of optional coverage can be added to your automobile insurance policy depending on your individual needs.

Average Auto Insurance Rates

Auto insurance rates are affected by several factors, including the make, model and safety features of your car. Other factors might be the type of coverage and deductibles you choose, your driving record, the amount you typically drive, your age and demographics such as crime and accident rates in your area.

Average premiums for car insurance in Thornton run slightly higher than the state average, which the NAIC calculates at $1,329 in its most recent Database Report. In turn, Colorado's premiums are higher than the national average of $1,176. This difference can be explained by the volume of traffic in the Thornton area as well as the rate of property crime. Premiums are also elevated due to the mountainous terrain and challenging weather conditions typical in Colorado.

You can make sure that you are getting the right policy to serve your needs by comparing quotes through VIU by HUB. You don't have to guess what kind of coverage you need or accept being confused about what policy to purchase. VIU by HUB makes the process of choosing car insurance in Thornton simple. Once you've chosen your insurance, VIU by HUB provides a platform to view and manage not only your auto insurance but all of your policies in one convenient location.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Best Places

CDOT Colorado Crash Data

Colorado General Assembly

Neighborhood Scout


Auto insurance in Colorado by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.