Compare Rates and Save on Auto Insurance

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Factors like driver profile, coverage needs and budget determine which insurance company is cheapest or best for you.

American National P&C far outranks its competitors as Centennial's overall best car insurance company. It also ranked the cheapest for different coverage types and drivers with violations.

Meanwhile, teens in Centennial can save the most by purchasing a policy from Kemper. Military members may do best with USAA’s tailored coverages. For drivers willing to spend more in exchange for the best customer service, Acuity is the ideal option in the city.

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2023

Cheapest and Best Car Insurance in Centennial

Cheapest Minimum Liability Car Insurance in Centennial

The companies with the most affordable minimum coverage car insurance in Centennial are:

  • American National P&C: $222 per year
  • Colorado Farm Bureau: $318 per year

Allstate provides the most expensive full coverage policies for $707 per year.

Furthermore, American National P&C has the lowest average annual rate for minimum coverage car insurance in the state of Colorado at $216 as of October 2022. Centennial’s auto insurance rates are slightly more expensive than other places in the state, as location affects the price.

Company
Annual Premium
Monthly Premium

American National P&C

$222

$19

American National P&C

$253

$21

American National P&C

$267

$22

Colorado Farm Bureau

$318

$26

GEICO

$342

$29

GEICO

$377

$31

GEICO

$382

$32

Auto-Owners Insurance Co

$400

$33

State Farm

$402

$34

Auto-Owners Insurance Co

$403

$34

American Family

$412

$34

State Farm

$428

$36

American Family

$444

$37

Colorado Farm Bureau

$457

$38

Kemper

$472

$39

Progressive

$518

$43

Nationwide

$521

$43

American National P&C

$523

$44

American National P&C

$525

$44

Kemper

$526

$44

Nationwide

$535

$45

Progressive

$542

$45

State Farm

$550

$46

Kemper

$550

$46

American Family

$556

$46

Farmers Union Insurance

$558

$46

Acuity

$568

$47

Auto-Owners Insurance Co

$574

$48

Colorado Farm Bureau

$589

$49

Progressive

$608

$51

Farmers Union Insurance

$611

$51

Farmers Union Insurance

$634

$53

Acuity

$636

$53

American National P&C

$651

$54

Allstate

$678

$57

Farmers

$697

$58

GEICO

$706

$59

Allstate

$707

$59

GEICO

$725

$60

Farmers

$726

$61

Nationwide

$750

$62

GEICO

$801

$67

Allstate

$804

$67

American Family

$826

$69

Acuity

$828

$69

Colorado Farm Bureau

$842

$70

State Farm

$843

$70

Farmers

$855

$71

State Farm

$924

$77

American Family

$937

$78

Progressive

$949

$79

Auto-Owners Insurance Co

$952

$79

Progressive

$955

$80

Nationwide

$1,024

$85

Auto-Owners Insurance Co

$1,029

$86

Allstate

$1,031

$86

Colorado Farm Bureau

$1,032

$86

Farmers Union Insurance

$1,113

$93

Allstate

$1,118

$93

Nationwide

$1,138

$95

Kemper

$1,150

$96

Progressive

$1,170

$97

American Family

$1,172

$98

State Farm

$1,212

$101

Farmers Union Insurance

$1,217

$101

Kemper

$1,225

$102

Farmers

$1,298

$108

Colorado Farm Bureau

$1,302

$108

Farmers

$1,333

$111

Allstate

$1,345

$112

Acuity

$1,351

$113

Acuity

$1,361

$113

Farmers Union Insurance

$1,376

$115

Auto-Owners Insurance Co

$1,427

$119

Kemper

$1,448

$121

Nationwide

$1,471

$123

Farmers

$1,611

$134

Acuity

$1,891

$158

In Colorado, a minimum coverage policy provides assistance solely for bodily injuries and property damage to other cars and their passengers:

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

Your insurance provider pays up to a specified amount for damages after a covered accident. For example, under the coverage above, your insurer pays for medical expenses of up to $25,000 per individual or $50,000 per accident, with any additional costs being your responsibility.

Cheapest Full Coverage Car Insurance in Centennial

The following insurers in Centennial provide the most inexpensive full coverage car insurance policies:

  • American National P&C: $523 per year
  • GEICO: $706 per year

In contrast, Acuity is the priciest company, with policies costing $1,351 per year.

American National P&C has the cheapest full coverage car insurance in Colorado, with an average annual rate of $541 as of October 2022. Again, this shows how location can affect insurance costs. Full coverage rates in Centennial are less expensive by a slight margin than the state average.

Company
Annual Premium
Monthly Premium

American National P&C

$222

$19

American National P&C

$253

$21

American National P&C

$267

$22

Colorado Farm Bureau

$318

$26

GEICO

$342

$29

GEICO

$377

$31

GEICO

$382

$32

Auto-Owners Insurance Co

$400

$33

State Farm

$402

$34

Auto-Owners Insurance Co

$403

$34

American Family

$412

$34

State Farm

$428

$36

American Family

$444

$37

Colorado Farm Bureau

$457

$38

Kemper

$472

$39

Progressive

$518

$43

Nationwide

$521

$43

American National P&C

$523

$44

American National P&C

$525

$44

Kemper

$526

$44

Nationwide

$535

$45

Progressive

$542

$45

State Farm

$550

$46

Kemper

$550

$46

American Family

$556

$46

Farmers Union Insurance

$558

$46

Acuity

$568

$47

Auto-Owners Insurance Co

$574

$48

Colorado Farm Bureau

$589

$49

Progressive

$608

$51

Farmers Union Insurance

$611

$51

Farmers Union Insurance

$634

$53

Acuity

$636

$53

American National P&C

$651

$54

Allstate

$678

$57

Farmers

$697

$58

GEICO

$706

$59

Allstate

$707

$59

GEICO

$725

$60

Farmers

$726

$61

Nationwide

$750

$62

GEICO

$801

$67

Allstate

$804

$67

American Family

$826

$69

Acuity

$828

$69

Colorado Farm Bureau

$842

$70

State Farm

$843

$70

Farmers

$855

$71

State Farm

$924

$77

American Family

$937

$78

Progressive

$949

$79

Auto-Owners Insurance Co

$952

$79

Progressive

$955

$80

Nationwide

$1,024

$85

Auto-Owners Insurance Co

$1,029

$86

Allstate

$1,031

$86

Colorado Farm Bureau

$1,032

$86

Farmers Union Insurance

$1,113

$93

Allstate

$1,118

$93

Nationwide

$1,138

$95

Kemper

$1,150

$96

Progressive

$1,170

$97

American Family

$1,172

$98

State Farm

$1,212

$101

Farmers Union Insurance

$1,217

$101

Kemper

$1,225

$102

Farmers

$1,298

$108

Colorado Farm Bureau

$1,302

$108

Farmers

$1,333

$111

Allstate

$1,345

$112

Acuity

$1,351

$113

Acuity

$1,361

$113

Farmers Union Insurance

$1,376

$115

Auto-Owners Insurance Co

$1,427

$119

Kemper

$1,448

$121

Nationwide

$1,471

$123

Farmers

$1,611

$134

Acuity

$1,891

$158

To ensure the best protection, check out full coverage policies with collision and comprehensive insurance.

  • Collision Insurance: Protects drivers against expenses due to collisions with another vehicle or objects like street poles, stop signs or mailboxes.
  • Comprehensive Insurance: Protects drivers from other expenses, such as those caused by natural disasters, vandalism or theft.

A full coverage policy may be useful if you have a new vehicle. However, if you own an older car that’s not worth much money, it may not be worth paying extra to keep it looking its best.

Cheapest Car Insurance in Centennial After a Driving Offense

These insurers offer the most affordable full coverage rates to Centennial drivers with traffic violations:

  • Speeding: American National P&C ($613 per year)
  • Accident: American National P&C ($711 per year)
  • DUI: American National P&C ($795 per year)

Acuity policies are the most expensive for drivers with those infractions on their records, at $3,022 per year.

Generally, traffic violations such as speeding tickets, DUIs or accidents increase your insurance rates. Even the most affordable rates for a driver with violations are typically more expensive than the average rates for someone with a clean driving record.

Company
Annual Premium
Monthly Premium

American National P&C

$268

$22

American National P&C

$308

$26

American National P&C

$319

$27

American National P&C

$322

$27

American National P&C

$363

$30

American National P&C

$367

$31

American National P&C

$383

$32

Colorado Farm Bureau

$401

$33

GEICO

$410

$34

American National P&C

$416

$35

Colorado Farm Bureau

$423

$35

American National P&C

$435

$36

State Farm

$447

$37

State Farm

$447

$37

GEICO

$452

$38

Auto-Owners Insurance Co

$460

$38

American Family

$461

$38

American Family

$461

$38

Auto-Owners Insurance Co

$464

$39

American Family

$465

$39

Colorado Farm Bureau

$470

$39

State Farm

$475

$40

State Farm

$475

$40

State Farm

$492

$41

American Family

$497

$41

American Family

$497

$41

GEICO

$500

$42

American Family

$501

$42

State Farm

$523

$44

GEICO

$564

$47

Colorado Farm Bureau

$577

$48

Progressive

$592

$49

Colorado Farm Bureau

$609

$51

State Farm

$610

$51

State Farm

$610

$51

American National P&C

$613

$51

Kemper

$622

$52

American National P&C

$623

$52

American Family

$624

$52

American Family

$624

$52

Nationwide

$629

$52

American Family

$630

$52

GEICO

$630

$53

Nationwide

$643

$54

Progressive

$655

$55

Progressive

$659

$55

Auto-Owners Insurance Co

$661

$55

State Farm

$672

$56

Colorado Farm Bureau

$674

$56

Progressive

$688

$57

Kemper

$694

$58

GEICO

$706

$59

American National P&C

$711

$59

Auto-Owners Insurance Co

$711

$59

Auto-Owners Insurance Co

$718

$60

GEICO

$718

$60

Kemper

$719

$60

Kemper

$725

$60

American National P&C

$730

$61

Progressive

$732

$61

Allstate

$742

$62

Colorado Farm Bureau

$743

$62

Progressive

$755

$63

American National P&C

$768

$64

Farmers Union Insurance

$768

$64

Allstate

$776

$65

Colorado Farm Bureau

$784

$65

American National P&C

$795

$66

Kemper

$802

$67

American National P&C

$821

$68

GEICO

$825

$69

Nationwide

$828

$69

Kemper

$836

$70

Nationwide

$845

$70

Progressive

$846

$71

Nationwide

$857

$71

Farmers Union Insurance

$858

$72

Farmers

$858

$72

Colorado Farm Bureau

$869

$72

Allstate

$875

$73

GEICO

$884

$74

Farmers Union Insurance

$889

$74

Allstate

$890

$74

American National P&C

$895

$75

Auto-Owners Insurance Co

$899

$75

Auto-Owners Insurance Co

$907

$76

Allstate

$918

$77

Allstate

$919

$77

State Farm

$925

$77

State Farm

$925

$77

Farmers Union Insurance

$930

$77

Farmers

$952

$79

American Family

$953

$79

American Family

$953

$79

Progressive

$960

$80

Progressive

$960

$80

Allstate

$964

$80

GEICO

$968

$81

Farmers Union Insurance

$973

$81

American Family

$980

$82

Farmers Union Insurance

$982

$82

Farmers

$987

$82

GEICO

$1,002

$83

American National P&C

$1,003

$84

State Farm

$1,006

$84

Farmers

$1,011

$84

State Farm

$1,011

$84

State Farm

$1,011

$84

Colorado Farm Bureau

$1,018

$85

Auto-Owners Insurance Co

$1,023

$85

Farmers

$1,038

$87

GEICO

$1,042

$87

Nationwide

$1,042

$87

Colorado Farm Bureau

$1,049

$87

Nationwide

$1,058

$88

Farmers Union Insurance

$1,060

$88

Farmers Union Insurance

$1,063

$89

Allstate

$1,066

$89

Auto-Owners Insurance Co

$1,066

$89

American Family

$1,080

$90

American Family

$1,080

$90

Colorado Farm Bureau

$1,083

$90

State Farm

$1,098

$92

Farmers

$1,102

$92

American Family

$1,110

$93

Nationwide

$1,114

$93

Allstate

$1,124

$94

Progressive

$1,124

$94

Allstate

$1,141

$95

Farmers

$1,142

$95

Farmers

$1,142

$95

Auto-Owners Insurance Co

$1,145

$95

Kemper

$1,171

$98

Progressive

$1,185

$99

Farmers

$1,196

$100

GEICO

$1,236

$103

Allstate

$1,237

$103

Nationwide

$1,240

$103

Progressive

$1,252

$104

Farmers Union Insurance

$1,253

$104

Colorado Farm Bureau

$1,274

$106

Colorado Farm Bureau

$1,288

$107

Auto-Owners Insurance Co

$1,293

$108

Kemper

$1,305

$109

Progressive

$1,324

$110

Nationwide

$1,327

$111

State Farm

$1,329

$111

State Farm

$1,329

$111

Progressive

$1,351

$113

Nationwide

$1,355

$113

American Family

$1,356

$113

American Family

$1,356

$113

Colorado Farm Bureau

$1,361

$113

Kemper

$1,364

$114

Allstate

$1,367

$114

GEICO

$1,393

$116

American Family

$1,397

$116

Acuity

$1,404

$117

Acuity

$1,404

$117

Acuity

$1,404

$117

Allstate

$1,442

$120

State Farm

$1,446

$121

Kemper

$1,451

$121

Allstate

$1,481

$123

Progressive

$1,488

$124

GEICO

$1,497

$125

Allstate

$1,500

$125

GEICO

$1,533

$128

Farmers Union Insurance

$1,536

$128

Auto-Owners Insurance Co

$1,543

$129

Kemper

$1,553

$129

Acuity

$1,561

$130

Acuity

$1,561

$130

Acuity

$1,561

$130

Allstate

$1,564

$130

Auto-Owners Insurance Co

$1,595

$133

Progressive

$1,598

$133

Kemper

$1,606

$134

Colorado Farm Bureau

$1,617

$135

Nationwide

$1,629

$136

Auto-Owners Insurance Co

$1,633

$136

Colorado Farm Bureau

$1,634

$136

Nationwide

$1,687

$141

Farmers

$1,691

$141

Farmers Union Insurance

$1,720

$143

Kemper

$1,726

$144

Colorado Farm Bureau

$1,734

$144

Progressive

$1,736

$145

Farmers

$1,740

$145

GEICO

$1,749

$146

Nationwide

$1,772

$148

Farmers Union Insurance

$1,810

$151

Allstate

$1,817

$151

Kemper

$1,821

$152

Farmers Union Insurance

$1,844

$154

Progressive

$1,865

$155

Farmers

$1,879

$157

Farmers Union Insurance

$1,893

$158

Auto-Owners Insurance Co

$1,900

$158

GEICO

$1,920

$160

Allstate

$1,923

$160

Farmers

$1,950

$163

Farmers

$1,965

$164

Farmers

$1,967

$164

Auto-Owners Insurance Co

$1,997

$166

Kemper

$2,010

$168

Farmers Union Insurance

$2,019

$168

Farmers

$2,022

$168

Farmers Union Insurance

$2,034

$169

Nationwide

$2,057

$171

Acuity

$2,065

$172

Acuity

$2,065

$172

Acuity

$2,065

$172

Farmers

$2,158

$180

Nationwide

$2,187

$182

Farmers Union Insurance

$2,193

$183

Nationwide

$2,200

$183

Farmers

$2,232

$186

Auto-Owners Insurance Co

$2,303

$192

Farmers Union Insurance

$2,333

$194

Nationwide

$2,616

$218

Kemper

$2,651

$221

Auto-Owners Insurance Co

$2,831

$236

Kemper

$2,847

$237

Acuity

$3,022

$252

Acuity

$3,022

$252

Acuity

$3,022

$252

Acuity

$3,081

$257

Acuity

$3,081

$257

Acuity

$3,081

$257

Kemper

$3,331

$278

Acuity

$4,295

$358

Acuity

$4,295

$358

Acuity

$4,295

$358

Car insurance premiums generally rise in proportion to the gravity of the driving offense. For instance, a driver in Centennial with a speeding ticket pays $359 less than a driver convicted of a DUI.

Though car insurance may be more costly for those with poor driving records, reasonably priced auto insurance policies can still be found.

Cheapest Car Insurance in Centennial for Teens and Their Families

The cheapest car insurance companies for teens on a family policy in Centennial are:

  • Kemper: $2,091 per year for male teens; $1,442 per year for female teens
  • GEICO: $2,169 per year for male teens; $2,288 per year for female teens

Farmers sells the most expensive policies. They run $4,854 for female and $5,174 for male teens yearly.

Unusually, Kemper charges female teens a lot more than male teens, with a difference of around $649 each year. GEICO, on the other hand, charges male teens $119 more than female teens.

Typically, female teens pay lower car insurance rates than males because guys are considered "high risk." However, the difference in rates often drops off in early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

State Farm

$1,046

$2,127

Kemper

$1,052

$3,173

Kemper

$1,126

$9,391

State Farm

$1,145

$2,328

State Farm

$1,197

$2,764

Kemper

$1,221

$5,905

GEICO

$1,231

$2,280

State Farm

$1,235

$2,512

Kemper

$1,258

$2,961

GEICO

$1,314

$1,635

GEICO

$1,336

$1,728

GEICO

$1,337

$2,448

Kemper

$1,374

$11,463

GEICO

$1,392

$1,731

GEICO

$1,434

$1,855

Kemper

$1,442

$15,233

Kemper

$1,442

$8,001

Kemper

$1,442

$5,220

Kemper

$1,449

$4,371

Kemper

$1,450

$7,013

GEICO

$1,458

$1,814

GEICO

$1,463

$2,062

GEICO

$1,488

$2,224

GEICO

$1,488

$1,925

GEICO

$1,513

$6,924

Kemper

$1,536

$4,812

Kemper

$1,537

$4,635

Kemper

$1,571

$7,538

Kemper

$1,602

$4,330

GEICO

$1,613

$7,075

Kemper

$1,651

$3,887

Kemper

$1,660

$3,908

Nationwide

$1,670

$2,781

GEICO

$1,671

$7,329

Nationwide

$1,681

$2,680

GEICO

$1,701

$3,788

State Farm

$1,711

$2,421

Nationwide

$1,726

$3,527

GEICO

$1,758

$3,809

Kemper

$1,771

$6,239

Nationwide

$1,782

$3,864

Kemper

$1,785

$5,590

State Farm

$1,807

$2,971

GEICO

$1,829

$3,389

Nationwide

$1,854

$2,956

GEICO

$1,855

$3,396

Allstate

$1,862

$3,061

Allstate

$1,862

$3,061

State Farm

$1,864

$2,638

Nationwide

$1,890

$3,302

Nationwide

$1,930

$3,213

Allstate

$1,938

$5,794

Allstate

$1,938

$5,794

Allstate

$1,940

$2,575

Allstate

$1,940

$2,575

Nationwide

$1,949

$3,600

Nationwide

$1,954

$3,116

State Farm

$1,975

$3,232

Kemper

$1,983

$9,513

Allstate

$1,998

$2,652

Allstate

$1,998

$2,652

Auto-Owners Insurance Co

$2,003

$4,327

Auto-Owners Insurance Co

$2,005

$4,425

Nationwide

$2,032

$3,383

Allstate

$2,036

$2,840

Allstate

$2,036

$2,840

State Farm

$2,040

$2,887

State Farm

$2,049

$3,769

State Farm

$2,050

$3,372

Allstate

$2,066

$2,742

Allstate

$2,066

$2,742

Kemper

$2,091

$13,040

Auto-Owners Insurance Co

$2,109

$4,654

Allstate

$2,147

$3,956

Allstate

$2,147

$3,956

GEICO

$2,169

$14,133

Allstate

$2,171

$3,568

Allstate

$2,171

$3,568

Auto-Owners Insurance Co

$2,181

$4,712

Auto-Owners Insurance Co

$2,185

$5,281

State Farm

$2,194

$3,548

Auto-Owners Insurance Co

$2,234

$4,931

GEICO

$2,288

$13,037

Auto-Owners Insurance Co

$2,311

$5,761

Nationwide

$2,324

$5,608

State Farm

$2,326

$4,278

Progressive

$2,383

$3,372

Auto-Owners Insurance Co

$2,391

$5,165

Auto-Owners Insurance Co

$2,399

$6,368

Auto-Owners Insurance Co

$2,408

$5,598

Nationwide

$2,437

$6,985

Progressive

$2,443

$2,496

Progressive

$2,468

$2,516

Nationwide

$2,474

$6,525

Farmers

$2,499

$3,219

Nationwide

$2,501

$5,112

GEICO

$2,503

$11,456

Progressive

$2,523

$3,618

State Farm

$2,543

$4,674

State Farm

$2,546

$4,119

Nationwide

$2,574

$7,717

Allstate

$2,589

$7,741

Allstate

$2,589

$7,741

Nationwide

$2,592

$7,429

Auto-Owners Insurance Co

$2,616

$6,080

Nationwide

$2,631

$5,707

Nationwide

$2,632

$8,023

Auto-Owners Insurance Co

$2,634

$6,687

State Farm

$2,636

$4,847

Farmers

$2,640

$3,541

State Farm

$2,649

$5,488

Allstate

$2,650

$10,229

Allstate

$2,650

$10,229

Progressive

$2,715

$2,768

Auto-Owners Insurance Co

$2,725

$7,233

Auto-Owners Insurance Co

$2,748

$8,280

Nationwide

$2,782

$8,882

Nationwide

$2,800

$8,537

Progressive

$2,808

$3,211

Progressive

$2,814

$2,876

Progressive

$2,820

$4,528

Progressive

$2,879

$4,075

Progressive

$2,885

$3,319

Progressive

$2,898

$2,954

State Farm

$2,917

$5,322

Progressive

$3,035

$3,102

Progressive

$3,084

$5,074

Auto-Owners Insurance Co

$3,123

$7,301

Progressive

$3,190

$4,575

State Farm

$3,319

$6,055

State Farm

$3,333

$6,866

Auto-Owners Insurance Co

$3,335

$9,448

Progressive

$3,371

$9,814

Auto-Owners Insurance Co

$3,425

$8,693

Auto-Owners Insurance Co

$3,434

$8,029

Farmers

$3,591

$2,849

Progressive

$3,642

$10,266

Farmers

$3,652

$2,897

Farmers

$3,664

$2,907

Progressive

$3,672

$10,871

Farmers

$3,695

$3,072

Farmers

$3,714

$3,053

Auto-Owners Insurance Co

$3,739

$10,592

Auto-Owners Insurance Co

$3,742

$11,765

Farmers

$3,758

$3,088

Farmers

$3,827

$3,145

Farmers

$3,856

$3,389

Progressive

$3,932

$11,196

Farmers

$4,006

$6,356

Progressive

$4,030

$11,732

Farmers

$4,106

$13,324

Farmers

$4,157

$6,822

Farmers

$4,338

$14,482

Progressive

$4,343

$12,857

Farmers

$4,537

$14,723

Farmers

$4,585

$5,906

Farmers

$4,745

$6,366

Farmers

$4,833

$16,136

Farmers

$4,854

$19,209

Farmers

$5,174

$21,204

Teen drivers can reduce their car insurance costs by opting for a family policy rather than an individual policy. For example, this can save a 16-year-old male teen in Centennial, Colorado, an average of $3,923 annually. Although insurance rates for teen drivers are generally higher, you can find the cheapest car insurance rates for teens by comparing multiple providers.

Cheapest Car Insurance in Centennial for Military Drivers

The following car insurance providers offer the most affordable rates to military personnel and their families in Centennial:

  • American National P&C: $523 per year
  • GEICO: $706 per year

USAA ranked third in affordability at $729 per year. But, this is a cost vs. benefits issue. USAA is highly recommended for military members and families because its policies are tailored to their needs.

For cheap military minimum coverage car insurance, American National P&C wins out at an average yearly cost of $222. Alternatively, USAA is the second-most affordable insurer, with an average annual cost of $286.

Company
Annual Premium
Monthly Premium

American National P&C

$222

$19

American National P&C

$253

$21

American National P&C

$267

$22

USAA

$286

$24

Colorado Farm Bureau

$318

$26

USAA

$319

$27

GEICO

$342

$29

USAA

$370

$31

GEICO

$377

$31

GEICO

$382

$32

Auto-Owners Insurance Co

$400

$33

State Farm

$402

$34

Auto-Owners Insurance Co

$403

$34

American Family

$412

$34

State Farm

$428

$36

American Family

$444

$37

Colorado Farm Bureau

$457

$38

Kemper

$472

$39

Progressive

$518

$43

Nationwide

$521

$43

American National P&C

$523

$44

American National P&C

$525

$44

Kemper

$526

$44

Nationwide

$535

$45

Progressive

$542

$45

State Farm

$550

$46

Kemper

$550

$46

American Family

$556

$46

Farmers Union Insurance

$558

$46

Acuity

$568

$47

Auto-Owners Insurance Co

$574

$48

Colorado Farm Bureau

$589

$49

Progressive

$608

$51

Farmers Union Insurance

$611

$51

Farmers Union Insurance

$634

$53

Acuity

$636

$53

American National P&C

$651

$54

Allstate

$678

$57

Farmers

$697

$58

GEICO

$706

$59

Allstate

$707

$59

GEICO

$725

$60

Farmers

$726

$61

USAA

$729

$61

USAA

$744

$62

Nationwide

$750

$62

GEICO

$801

$67

Allstate

$804

$67

American Family

$826

$69

Acuity

$828

$69

Colorado Farm Bureau

$842

$70

State Farm

$843

$70

Farmers

$855

$71

State Farm

$924

$77

USAA

$930

$78

American Family

$937

$78

Progressive

$949

$79

Auto-Owners Insurance Co

$952

$79

Progressive

$955

$80

Nationwide

$1,024

$85

Auto-Owners Insurance Co

$1,029

$86

Allstate

$1,031

$86

Colorado Farm Bureau

$1,032

$86

Farmers Union Insurance

$1,113

$93

Allstate

$1,118

$93

Nationwide

$1,138

$95

Kemper

$1,150

$96

Progressive

$1,170

$97

American Family

$1,172

$98

State Farm

$1,212

$101

Farmers Union Insurance

$1,217

$101

Kemper

$1,225

$102

Farmers

$1,298

$108

Colorado Farm Bureau

$1,302

$108

Farmers

$1,333

$111

Allstate

$1,345

$112

Acuity

$1,351

$113

Acuity

$1,361

$113

Farmers Union Insurance

$1,376

$115

Auto-Owners Insurance Co

$1,427

$119

Kemper

$1,448

$121

Nationwide

$1,471

$123

Farmers

$1,611

$134

Acuity

$1,891

$158

How to Compare Cheap Centennial Car Insurance Quotes Online

Choosing from hundreds of car insurance options available in Centennial, Colorado, can be overwhelming.

It takes up to 15 minutes to enter highly personal details for just one quote. Considering comparing at least three quotes is recommended, you’re looking at nearly an hour and giving those private details to several companies.

To save time, MoneyGeek has a car insurance calculator providing a quick rate estimate based on your age, vehicle type, coverage level, and driving history.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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USAA

Best Car Insurance in Centennial: Summary

Selecting the right car insurance policy depends on cost, service coverage and individual preferences.

MoneyGeek has identified the best car insurance providers based on different categories:

  • 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)

An insurer's MoneyGeek score may differ across categories based on how factors shifted by relevance. That said, American National P&C isn't only the best insurer in Centennial but also the top car insurance provider in Colorado.

USAA auto insurance is another excellent choice if you have a military affiliation. It came in second for the best insurer for military members in Centennial, with a MoneyGeek score of 80 out of 100.

Best Overall Car Insurance in Centennial

The top car insurance providers in Centennial are:

  • American National P&C: MoneyGeek score of 83 out of 100 ($456 per year)
  • GEICO: MoneyGeek score of 69 out of 100 ($603 per year)

American National P&C is Centennial's most affordable and best overall car insurance provider due to its above-average customer satisfaction score and broad range of coverage options. These two factors are crucial when selecting a reliable insurer.

For current and former military members, USAA Auto Insurance is an excellent choice, with a high MoneyGeek score of 77 out of 100 for its policies.

American National P&C

pros

Provides the most affordable rates

Boasts an above-average customer satisfaction score

Offers various coverage options, such as spare parts, antique/classic car insurance and gap insurance coverage

cons

Has a below-average rating for claims management

Doesn't provide accident forgiveness, deductible modification, new car replacement or rideshare insurance

COMPANY HIGHLIGHTS

American National P&C is the top-rated insurance provider in Centennial, with an impressive MoneyGeek score of 83 out of 100. It offers extensive coverage options, including spare parts coverage, roadside assistance and rental car and travel reimbursement.

Spare parts coverage from American National P&C ensures drivers are protected after a covered loss of spare parts. The insurer reimburses up to $1,000 to replace the damaged parts.

In addition to spare parts coverage, American National P&C offers common coverages like 24/7 roadside assistance and rental car and travel reimbursement coverage. For example, if your vehicle is totaled, the cost of a rental car may be at no additional charge if you have a full coverage policy.

Best Car Insurance in Centennial for Customer Service

For drivers in Centennial who value excellent customer service more than cost, the following insurers may be worth considering:

  • Acuity: MoneyGeek score of 78 out of 100 ($1,351 per year)
  • American National P&C: MoneyGeek score of 67 out of 100 ($523 per year)

Acuity is our choice due to its exceptional customer satisfaction score and high claims management rating. Although Acuity's policies are the most expensive of the insurers in our review, its excellent service may be worth the cost.

Acuity

pros

Nearly perfect customer satisfaction score

Above-average claims management rating

Offers useful coverage options such as full glass coverage, new car replacement coverage and gap insurance

cons

Doesn't offer accident forgiveness, deductible modification or rideshare insurance coverage

COMPANY HIGHLIGHTS

Acuity is the best insurer for customer service in Centennial, with a MoneyGeek score of 78 out of 100. Its policyholders appreciate its excellent customer service and claims management. Acuity also offers several coverage options.

One of its coverages is the full safety glass protection coverage, which pays for any damage to your windshield and windows without having to pay a deductible. Another coverage it offers is new car replacement, which pays to replace your vehicle with a brand new one of the same make and model in case it gets totaled after an accident. This coverage also extends to old vehicles, where Acuity covers an additional 25% of the vehicle's current value to make room for depreciation and any upgrade.

Lastly, Acuity offers gap insurance, which covers the difference between what you owe on your car and what your car is worth. However, Acuity doesn't offer accident forgiveness, deductible modification or rideshare insurance coverage.

Best Cheap Car Insurance Companies in Centennial

MoneyGeek ranked the top providers for minimum coverage policies based on affordability and service quality. These insurers scored highest for this combination:

  • American National P&C: MoneyGeek score 83 out of 100 ($222 per year)
  • Auto-Owners Insurance Co: MoneyGeek score 69 out of 100 ($403 per year)

While minimum coverage policies are the most affordable, they offer the least protection and don't cover damages to your vehicle.

American National P&C

pros

Offers the most affordable rates

Earns a high customer satisfaction score

Provides discounts for bundling policies, early signing and insuring multiple vehicles

cons

Receives a below-average claims management rating

Doesn't offer accident forgiveness, deductible modification, new car replacement or rideshare insurance

COMPANY HIGHLIGHTS

American National P&C is Centennial's best option for minimum coverage policies, offering budget-friendly rates and quality customer service. The company presents various coverage options and discounts to help policyholders save on premiums.

Policyholders can bundle renters, home, or auto insurance with American National P&C for a discount on all their policies. Early signing is also encouraged, with the insurer providing a deal to customers who sign up for a new policy before their current one expires. Policyholders can also reduce premiums by insuring multiple vehicles.

The insurer also offers unique options like spare parts coverage, which reimburses policyholders up to $1,000 for spare parts damaged in a covered loss. American National P&C also provides coverage for antique and classic cars. Finally, it has common coverages like roadside assistance and rental car and/or travel reimbursement.

Average Cost of Car Insurance in Centennial

In Centennial, the average cost of car insurance for a full coverage policy is $1,009 per year. This is slightly more expensive than the average cost of car insurance in Colorado, running about $1,002 annually. However, car insurance in Centennial is cheaper than the national average of $1,265 annually.

These rates are based on a full coverage policy with a limit of $100,000 bodily injury liability per person, $300,000 bodily injury liability per accident, and $100,000 property damage liability per accident.

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.