bestauto insuranceCentennialCompare the Cheapest Car Insurance Quotes in Centennial, CO
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In Centennial, GEICO offers the cheapest car insurance overall. It also has the lowest rates for minimum coverage policies and drivers with tickets. Drivers with at-fault accidents can find affordable premiums from State Farm. If you’re from a military family, USAA may be the ideal insurer for you.
bestauto insuranceCentennialThe Cheapest and Best Car Insurance in Centennial
The Cheapest Car Insurance Companies in Centennial
Among the car insurance companies in Centennial, those offering the cheapest full coverage auto insurance policies are:
- GEICO: $788 per year
- Esurance: $1,022 per year
USAA has the cheapest car insurance in Centennial for drivers from military families. You can purchase a policy for an annual average rate of $658.
Full coverage car insurance includes comprehensive and collision coverage, which protects you against costs from damages to your car. Policy rates may vary depending on your driver profile and chosen insurer. For instance, full coverage car insurance from Progressive in Centennial costs $2,011 each year on average. That’s almost three times as high as GEICO’s rate.
Cheapest Car Insurance in Centennial
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$658
- 2.$788
- 3.$1,022
- 4.$1,062
- 5.$1,067
MoneyGeek’s study shows car insurance quotes in Centennial for a 40-year-old male driver with a full coverage insurance policy, as defined by our methodology.
A full coverage car insurance policy costs more than the state’s minimum coverage because it includes the following:
- Collision insurance: helps pay for damages to your car after a crash
- Comprehensive insurance: protects you against repair expenses from non-collision–related incidents
Full coverage auto insurance is encouraged in many cases, but liability-only insurance may suffice if you have an old car. With full coverage, you might be paying hundreds extra per year, just to insure a car that isn’t worth much.
Compare Car Insurance Rates in Centennial
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Centennial for Minimum Coverage
If you’re looking for the cheapest possible option for car insurance in Centennial, you can purchase minimum coverage from the following companies:
- GEICO: $344 per year
- State Farm: $521 per year
USAA offers an even lower rate at an average annual premium of $282. It’s the most affordable option if you have a military background.
Compared with Progressive’s premium, which is the highest in Centennial, GEICO’s minimum coverage only costs about 25% as much. Insurance with minimum coverage is your cheapest option but comes with trade-offs. It offers the least protection with low liability limits and the absence of comprehensive and collision insurance. Toggle the table below to see how much increasing your liability limits will cost.
Cheapest Minimum Liability Car Insurance in Centennial
State Minimum
- CompanyState Minimumper year
- 1.$282
- 2.$344
- 3.$521
- 4.$648
- 5.$650
Minimum coverage policies are your most affordable insurance plans in Centennial. Colorado’s minimum car insurance requirement only provides liability coverage for bodily injury and property damage. If you’re not careful, you may pay more out of pocket after an at-fault accident. For example, a policy with state minimum limits covers up to $50,000 for bodily injury. If medical expenses reach $60,000, you’ll have to use your savings to cover the $10,000 difference.
Colorado Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Centennial if You Have Driving Violations
Drivers with speeding tickets, at-fault accidents and DUIs pay a higher rate for auto insurance than those with clean records.
If your driving history includes traffic violations, the companies offering cheap car insurance in Centennial are:
- Cheapest after a ticket: GEICO, $996 per year
- Cheapest after an at-fault accident: State Farm, $1,239 per year
- Cheapest after a DUI: State Farm, $1,153 per year
USAA remains the cheapest option for drivers with speeding tickets and at-fault accidents. If you come from a military family, it may be the best insurer for you.
You can get lower rates over time by improving your driving record. For the short term, comparing car insurance quotes in Centennial is an effective way to determine which insurers offer cheap coverage after a ticket or an accident.
Cheapest Car Insurance in Centennial With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$800
- 2.$996
- 3.$1,153
- 4.$1,224
- 5.$1,246
Average Cost of Car Insurance in Centennial
Centennial$1,370
Colorado$1,450
U.S.$1,424
The average rate of car insurance in Centennial is $1,370 per year. It’s lower than Colorado's average by 5.5%.
You’ll observe the same pattern if you compare it with the national average of $1,424. Drivers in Centennial pay 3.8% less for coverage than the typical American driver.
Personalized Quotes to Get You the Cheapest Car Insurance in Centennial
Several factors contribute to the average car insurance rate in Centennial. These may include your age, gender, ZIP code, car model and coverage levels. As these factors change, so does your rate. That’s why regularly comparing car insurance quotes in Centennial is encouraged. You’re more likely to find a company that matches your insurance needs this way.
Compare Car Insurance Rates in Centennial
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Centennial
MoneyGeek used customer satisfaction, claims, affordability and financial stability ratings to rank the best car insurance companies in Centennial. Based on our analysis, the companies with the best car insurance in Centennial are:
- GEICO: MoneyGeek score of 87.0 out of 100
- State Farm: MoneyGeek score of 85.8 out of 100
USAA received a perfect overall MoneyGeek score of 100, but the insurer was not included in our rankings as its policies are only available to military members and their families.
1
GEICO
Score:87
GEICO scored highly in affordability, user satisfaction and claims, making it the best car insurance in Centennial. A GEICO policy costs an average of $788 per year for a 40-year-old driver in Centennial. Policies offer optional, rare coverages like as mechanical breakdown insurance.
More About GEICO
GEICO's mechanical breakdown insurance covers all systems and parts in your vehicle, including those that are not covered by the dealer warranty. However, you can only apply for this optional coverage if your car is less than 15 months old and does not have more than 15,000 miles.
GEICO also offers optional accident forgiveness coverage for drivers who want to protect themselves against rate increases in case of an at-fault accident. You can also get coverage for travel or rental car reimbursement to cover travel expenses incurred while your car is in the shop for repairs.
Read MoneyGeek's GEICO auto Insurance Review2
State Farm
Score:86
State Farm’s car insurance in Centennial ranks highest in customer satisfaction and also scores well in claims and affordability. State Farm’s car insurance costs an average of $1,067 per year and comes with standard optional coverages and other unique options like rideshare insurance.
More About State Farm
Drivers in Centennial who work with rideshare apps can include rideshare insurance as an add-on to their auto insurance. This option extends coverages included in your personal auto insurance policy, such as medical, emergency roadside assistance and rental car reimbursement, while you are working for a rideshare company.
State Farm policyholders can also opt for the standard optional coverages like roadside assistance for protection in case your car breaks down and you need mechanical labor, towing or other roadside assistance. You can also get reimbursed for your rental car or travel expenses when your car is being repaired if you opt for rental car and travel reimbursement coverage.
Read MoneyGeek's State Farm auto Insurance Review3
Travelers
Score:77
4
Allstate
Score:73
5
Nationwide
Score:67
6
Esurance
Score:65
7
American Family
Score:63
8
Farmers
Score:46
9
MetLife
Score:39
10
Progressive
Score:23
Average Cost of Car Insurance by Postal Code
Where you live within a city can have a considerable effect on your premium. Several factors indicative of your risk level connect to your ZIP code, and knowing what they are can help you find cheap car insurance in Colorado. These include the number of fatal accidents in your area, occurrences of vandalism or vehicle theft and even population density.
It means drivers in Centennial may pay different rates depending on their address. For example, the ZIP code with the lowest cost of insurance is 80122. Drivers in that area have an annual average premium of $1,312. If you live in 80016, you’ll typically spend an additional $115 each year since the average rate is $1,427.
- Zip CodeState Minimumper year
- 80122$1,312
- 80016$1,427
Factors That Impact Insurance Costs in Centennial
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Centennial. How Centennial ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
