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2025

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Best Local Car Insurance Agencies in Thornton, CO

Our Recommended Top 5

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Thornton local car insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

80Reviewed

50Curated

5Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Best Local Car Insurance Agencies Serving Thornton
PO Box 33205, Northglenn, CO 80233
Visit WebsiteLicense: 528610

Expertise.com Rating

Review Sources

Google
5.0 (19)

Why choose this provider?

Premium Advantage Insurance, LLC is an independent agency servicing the Thornton community. It offers personal and commercial auto insurance packages that can protect families and businesses from covered losses. It highly recommends its Business Owner Package insurance coverage to cover a variety of needs for small business owners. The agency partners with different insurance companies so that clients can compare quotes online and determine the most suitable coverage. Home insurance packages are also offered for homeowners, condos, and renters.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving Thornton
5023 West 120th Avenue, Broomfield, CO 80020
Visit WebsiteLicense: 480882

Expertise.com Rating

Why choose this provider?

Kline Insurance is an independent insurance agency specializing in home, auto, and life insurance in Thornton and the rest of Colorado. The agency understands the everyday road risks that drivers face, especially in Denver with its climate of snow and ice. The firm offers standard auto insurance that protects against major financial setbacks and damages tailored to clients' unique needs. Representing a slew of carriers, the firm also provides service and insurance options such as boat, motorcycle, recreational vehicle, umbrella, renters, and condo insurance.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving Thornton
9981 Washington Street, Thornton, CO 80229
Visit WebsiteLicense: 186026

Expertise.com Rating

Review Sources

Google
4.6 (9)
Yelp
1.0 (1)

Why choose this provider?

Christopher Sena is a State Farm insurance agent in Thornton with more than 20 years of service. Sena provides vehicle owners, new drivers, and business travelers in Thornton with automobile insurance products that match their unique needs. These auto insurance policies cover vehicle repair and replacement costs, medical expenses, damages caused by collisions, damages caused by theft, vandalism, fire, or animals. Christopher Sena also helps clients with homeowners, renters, business, health, and life insurance.

  • Bundling Option

Best Local Car Insurance Agencies Serving Thornton
2727 West 92nd Avenue, Federal Heights, CO 80260
Visit WebsiteLicense: 114310

Expertise.com Rating

Review Sources

Google
5.0 (22)

Why choose this provider?

Darrell C. Adolph is an auto insurance agent for Affordable American Insurance, which has been active since 2004. He serves clients in and around Thornton, reviewing their policies and checking coverage rates for accidents or theft. Darrell also processes claims and policy change requests to partner carriers like The Hartford, Nationwide, and Liberty Mutual. Darrell has over 20 years of experience and also offers home, life, and business insurance solutions.

  • Multiple Carriers

Best Local Car Insurance Agencies Serving Thornton
55 South 4th Avenue, Brighton, CO 80601
Visit WebsiteLicense: 377780

Expertise.com Rating

Review Sources

Google
4.4 (27)
Yelp
5.0 (2)

Why choose this provider?

Initially established as a small-town agency in 2011, Colorado Prestige Insurance Group now offers a variety of insurance products to clients in the Brighton and Thornton areas. Its auto insurance offering isn't limited to the personal injury protection minimum coverage since it also includes collision coverage, roadside assistance, rental reimbursement, and comprehensive coverage. Colorado Prestige Insurance Group also uses advanced rating software to identify the insurance suitable to the needs of its clients.

  • Multiple Carriers
  • Bundling Option

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Premium Advantage Insurance, LLC
PO Box 33205, Northglenn, CO 80233
Kline Insurance
5023 West 120th Avenue, Broomfield, CO 80020
Christopher Sena
9981 Washington Street, Thornton, CO 80229
Darrell C. Adolph
2727 West 92nd Avenue, Federal Heights, CO 80260
Colorado Prestige Insurance Group
55 South 4th Avenue, Brighton, CO 80601

Thornton, CO Car Insurance Agency FAQs

  • What is the minimum amount of car insurance required in Thornton?

    According to Colorado's car insurance laws, you are required to purchase a minimum amount of $25,000 for bodily injury or death to any one person in an accident and $50,000 for bodily injury or death to all persons in any one accident. With regards to property damage, you are obligated to carry a minimum of $15,000 for any one accident.

  • What are the penalties for a first-time offense of driving a car without car insurance in Thornton?

    A $500 fine, up to 40 hours of community service, 10 days to one year in jail, and four points on your driving record are the penalties for driving without car insurance for the first time in Thornton. The penalties may also include a license suspension until you can show proof of insurance to the Division of Motor Vehicles.

  • How long do you have to add your new car to your existing car insurance policy in Thornton?

    According to Colorado's auto insurance laws, you have between 7 and 30 days to add a new vehicle to your existing policy, depending on the policy of your insurance company and the type of coverage required. However, if you do not already have auto insurance, you must obtain coverage before you can operate your new vehicle.

  • What happens if someone else borrows and drives your car in Thornton and they get into an accident?

    If another driver hits your car while it is being driven by someone else, you can file a claim against the at-fault driver to recover vehicle repair costs as well as medical costs if the driver is injured. Car insurance in Colorado follows the insured vehicle rather than the driver.

  • Can you have car insurance if you do not own a car in Thornton?

    Yes, even if you do not own a car, you can get Thornton car insurance. If you drive frequently but do not own a car, you can get non-owner car insurance. This type of car insurance policy provides the same basic coverage as a standard policy, including bodily injury and property damage liability coverage.