In Centennial, Colorado, American National P&C offers the cheapest full coverage, while Colorado Farm Bureau is the best choice for minimum coverage. If you have teens, Kemper provides the best rates. Acuity stands out for the best customer service and is the best overall for offering a balance of cost and service. Your ultimate choice should align with your specific needs and desired coverage.
Cheapest and Best Car Insurance in Centennial, CO (2024)
Colorado Farm Bureau offers the cheapest minimum coverage car insurance in Centennial at $298 annually. Acuity delivers the best blend of price and service, with a MoneyGeek score of 84 out of 100.
Updated: November 19, 2024
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Cheapest and Best Car Insurance in Centennial
Why Trust MoneyGeek? We analyzed 106,836 quotes in Colorado from 14 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Centennial insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Centennial, CO, as of June 2024.
Cheapest Minimum Coverage Car Insurance in Centennial
MoneyGeek found that Colorado Farm Bureau offers the cheapest minimum coverage car insurance in Centennial. By comparing rates, Centennial residents can secure the cheapest car insurance options:
- Colorado Farm Bureau: $298 per year
- American National P&C: $303 per year
Allstate has the most expensive minimum coverage policy in Centennial, with an annual premium of $1,012. This $714 difference highlights the importance of shopping around for the best car insurance rates.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Colorado Farm Bureau | $298 | $25 |
American National P&C | $303 | $25 |
GEICO | $391 | $33 |
Auto-Owners Insurance Co | $450 | $38 |
American Family | $504 | $42 |
State Farm | $552 | $46 |
Farmers Union Insurance | $558 | $46 |
Progressive | $602 | $50 |
Acuity | $616 | $51 |
Kemper | $721 | $60 |
Nationwide | $769 | $64 |
Farmers | $801 | $67 |
Allstate | $1,012 | $84 |
State Minimum Liability Requirements
Colorado state-mandated minimum coverage car insurance includes the following limits:
- $25,000 bodily injury per person
- $50,000 bodily injury per accident
- $15,000 property damage liability per accident
If you have minimum coverage insurance and cause an accident, your policy may cover up to $25,000 for each injured person, with a total limit of $50,000 per accident. However, if the injuries cost more, you'll likely be responsible for the difference out of pocket.
Cheapest Full Coverage Car Insurance in Centennial
MoneyGeek found that American National P&C is the cheapest option for the cheapest full coverage car insurance in Centennial. Here are the two most affordable providers:
- American National P&C: $726 per year
- Colorado Farm Bureau: $747 per year
Kemper offers the most expensive full coverage policy at $1,707 annually. There is a substantial $981 difference between the most affordable and priciest policies, underscoring the significance of comparing rates. Full coverage is typically costlier than minimum coverage due to its inclusive protection against various incidents.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
American National P&C | $726 | $61 |
Colorado Farm Bureau | $747 | $62 |
GEICO | $915 | $76 |
Auto-Owners Insurance Co | $1,105 | $92 |
Farmers Union Insurance | $1,113 | $93 |
American Family | $1,214 | $101 |
State Farm | $1,225 | $102 |
Progressive | $1,246 | $104 |
Acuity | $1,364 | $114 |
Nationwide | $1,419 | $118 |
Allstate | $1,549 | $129 |
Farmers | $1,612 | $134 |
Kemper | $1,707 | $142 |
Do You Need Full Coverage in Colorado?
A full coverage policy has enhanced liability limits compared to basic coverage, including $100,000 for bodily injury per person, $300,000 for each accident and $100,000 for property damage liability. This coverage is also referred to as a 100/300/100 policy.
In addition to these higher liability limits, full coverage extends to include both comprehensive and collision insurance:
- Collision Insurance: This covers the costs of repairing your car in the event of a collision with another vehicle or a stationary object like a tree or light post. It also covers rollover accidents and pothole damage.
- Comprehensive Insurance: This manages expenses arising from non-collision incidents, such as theft, vandalism, fires, natural disasters or being hit by an animal.
Opting for full coverage is particularly advisable when you own a new car to protect your sizable investment against potential losses. However, for older vehicles, the additional cost for full coverage may not always be a cost-effective choice. Deciding how much car insurance you need requires careful consideration between the cost of premiums and the risk of being underinsured. Striking the right balance is key to ensuring you are adequately protected without overpaying for coverage.
Cheapest Car Insurance in Centennial After a Driving Offense
In Centennial, MoneyGeek found that the most affordable car insurance varies based on the specific infraction on your driving record. For those with a poor driving history seeking full coverage policies, These are the cheapest companies for drivers with a poor driving record:
- Speeding Ticket: American National P&C ($850 per year)
- At-Fault Accident: Colorado Farm Bureau ($935 per year)
- DUI: Colorado Farm Bureau ($974 per year)
The most expensive rate for drivers with a DUI is from Kemper at $3,910 per year. Acuity is the most expensive provider for drivers with a speeding ticket and an at-fault accident, with an annual cost of $3,085 for both infractions. The $124 cost difference between the cheapest option after a speeding ticket and a DUI shows how different violations can impact insurance costs differently.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
American National P&C | $850 | $71 |
Colorado Farm Bureau | $914 | $76 |
GEICO | $1,148 | $96 |
Auto-Owners Insurance Co | $1,202 | $100 |
State Farm | $1,340 | $112 |
American Family | $1,393 | $116 |
Farmers Union Insurance | $1,536 | $128 |
Progressive | $1,639 | $137 |
Nationwide | $1,735 | $145 |
Allstate | $1,745 | $145 |
Farmers | $2,078 | $173 |
Kemper | $2,139 | $178 |
Acuity | $3,085 | $257 |
In Centennial and other cities, insurance rates typically escalate with the severity of a driving offense due to the increased risk posed to insurers. A driver with a speeding ticket in Centennial could pay an average annual premium of $2,200, while a driver with a DUI might face a cost of about $2,841 per year. Drivers with offenses on their record should compare insurance quotes to secure potential savings.
Cheapest Car Insurance in Centennial for Teens and Their Families
MoneyGeek found that Kemper offers the cheapest car insurance for teens in Centennial, providing significant savings for families looking to insure young drivers.
- Kemper: $2091 per year for female teens and $1442 per year for male teens
- GEICO: $2169 per year for female teens and $2288 per year for male teens
These rates underscore the importance of comparing policies, illustrating that a family with a teen driver can benefit from an informed choice. Farmers is the most expensive provider in Centennial, charging an annual rate of $4,854 for female teen drivers and $5,174 for male teen drivers. These figures indicate how premiums can vary greatly among providers, highlighting why shopping around is necessary, especially considering the increased insurance risks associated with teen drivers.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
Kemper | $2,091 | $6,822 |
GEICO | $2,169 | $7,750 |
Nationwide | $2,574 | $4,894 |
State Farm | $2,649 | $3,507 |
Allstate | $2,650 | $6,558 |
Auto-Owners Insurance Co | $3,425 | $3,201 |
Progressive | $3,642 | $6,358 |
Farmers | $4,854 | $11,884 |
In Centennial and other cities, teenage drivers face higher auto insurance costs when opting for individual policies. On average, a standalone teen policy costs $7,010 annually, while it costs $3,168 per year when added to a family plan. The disparity in rates is due to insurers factoring in the elevated risk associated with teenage drivers; a lack of driving experience results in a higher likelihood of accidents. Teens may also struggle to secure an individual policy because insurance providers consider their limited financial resources and unestablished credit history a high risk. A family plan is often the more viable and budget-friendly option for insuring teen drivers.
Cheapest Car Insurance in Centennial for Military Drivers
MoneyGeek found that American National P&C is the cheapest option in Centennial for those seeking the cheapest car insurance for military backgrounds.
- American National P&C: $726 per year
- Colorado Farm Bureau: $747 per year
Although not the absolute cheapest, USAA ranks third with an annual premium of $860 and is well-regarded for its tailored services for active-duty military members.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
American National P&C | $726 | $61 |
Colorado Farm Bureau | $747 | $62 |
USAA | $860 | $72 |
GEICO | $915 | $76 |
Auto-Owners Insurance Co | $1,105 | $92 |
Farmers Union Insurance | $1,113 | $93 |
American Family | $1,214 | $101 |
State Farm | $1,225 | $102 |
Progressive | $1,246 | $104 |
Acuity | $1,364 | $114 |
Nationwide | $1,419 | $118 |
Allstate | $1,549 | $129 |
Farmers | $1,612 | $134 |
Kemper | $1,707 | $142 |
How to Compare Cheap Centennial Car Insurance Quotes Online
Comparing car insurance rates is key to unlocking savings. However, evaluating three or more companies can take over an hour.
MoneyGeek's car insurance calculator streamlines this process. By inputting factors like age, driving history, credit score and coverage preferences, you can promptly receive tailored rate estimates.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 06, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance in Centennial: Overview
Choosing the best auto insurance for you depends on how much you value service, cost, coverage and other factors. MoneyGeek's tailored scoring system weighs these elements to recommend Centennial's top providers for distinct needs:
- Best overall: Acuity (MoneyGeek score 84 out of 100)
- Best for service: Acuity (MoneyGeek score 96 out of 100)
- Best cheap: Acuity (MoneyGeek score 85 out of 100)
Acuity excels in all three categories, standing out in Centennial as the best for overall value, unrivaled service and affordability. It caters to drivers who desire comprehensive, high-quality insurance without compromising on cost.
Overall Best Car Insurance in Centennial
MoneyGeek found that Acuity offers the best option in Centennial if you seek the best car insurance. Here's how the top providers rank according to MoneyGeek’s comprehensive scoring system:
- Acuity: MoneyGeek score of 84 out of 100 ($1364 per year)
- American National P&C: MoneyGeek score of 78 out of 100 ($726 per year)
Acuity leads the market in Centennial for overall performance, with its satisfaction and claims scores indicating a seamless customer experience. Keep in mind that these ratings are for a full coverage policy, ensuring robust protection for discerning vehicle owners.
Acuity's high MoneyGeek score is bolstered by its impeccable claims handling and customer satisfaction, demonstrating its reliability and customer-centric approach. The company offers both common coverages: rental car and/or travel reimbursement and roadside assistance.
Acuity offers additional protection with valuable options such as full glass coverage, which ensures that safety glass repairs come without additional stress. It also provides new car replacement coverage so that in the event of a total loss, you could receive a new vehicle for just a little more expense. Its coverage package bundles various protections and enhances overall coverage without complicating the selection process. Although Acuity lacks popular coverages, its strengths in service make it a solid choice for policyholders.
- Ranks first in the city for claims handling
- Offers rare coverages like full glass and new car replacement
- Ranks ninth in the city for affordability, with an average annual premium of $1,364
- Does not offer original equipment manufacturer (OEM) coverage
MoneyGeek ranks Centennial's car insurance by focusing on customer satisfaction and cost, with claims processing, coverage options and insurer stability as key factors.
Best Car Insurance in Centennial for Customer Service
MoneyGeek found that Acuity is the best option in Centennial for car insurance based on customer service, without considering the cost.
- Acuity: MoneyGeek score of 96 out of 100 ($1,364 per year)
- American Family: MoneyGeek score of 76 out of 100 ($1,214 per year)
Acuity stands out due to its top-tier performance in customer satisfaction and claims handling, which are the largest contributors to its high MoneyGeek score. Acuity is a solid choice in the Centennial area if you are looking for an attentive and supportive insurance experience.
Acuity's high MoneyGeek score is driven by its outstanding satisfaction and claims handling capabilities. The company offers both common coverages of rental car and/or travel reimbursement and roadside assistance. It also provides new car replacement coverage for added security for recent vehicle purchases.
Acuity excels with its coverage options. Its full glass coverage offers assurance against various forms of glass damage without a deductible, which is useful if you are concerned about windshield or window integrity. Its coverage package is another valuable option for drivers seeking broad enhancements to their policy. Its gap insurance provides financial protection to drivers who may owe more on their vehicle loans than the car's actual worth, mitigating potential out-of-pocket expenses during a total loss. These offerings and its top scores underline Acuity's status as a top insurance choice.
- Ranks first for general customer satisfaction
- Ranks first for claims handling
- Offers rental car and/or travel reimbursement and roadside assistance
- Offers full glass coverage and new car replacement coverage
MoneyGeek ranks Centennial's car insurers by prioritizing customer satisfaction and effective claims handling, with coverage options and financial health also key.
Best Cheap Car Insurance in Centennial
MoneyGeek found that Acuity is the best option in Centennial for consumers seeking affordable yet quality car insurance.
- Acuity: MoneyGeek score of 85 out of 100 ($616 per year)
- Auto-Owners: MoneyGeek score of 80 out of 100 ($450 per year)
Acuity stands out due to its remarkable claims and satisfaction rankings, which strongly influence its MoneyGeek score. This score reflects a minimum coverage policy tailored to balance cost without compromising the essentials of insurance quality.
Acuity stands out for its exceptional customer satisfaction and claims handling, significantly contributing to its high MoneyGeek score. Its average annual premium is an affordable $616, meaning drivers pay only around $51 per month for minimum coverage. It offers several discounts, including pay in full and advanced safety features, which are reasonably rare and add value for drivers who qualify.
Acuity offers a comprehensive discount program that includes the most common savings options: bundling, multiple car and safe driving discounts. It also offers a driver's education discount, which encourages drivers to engage in courses that improve their skills behind the wheel. This savings offer can lead to a more knowledgeable driver and potential savings on premiums. Its advanced safety features discount rewards drivers who invest in vehicles with cutting-edge safety technology, promoting smarter and safer driving habits. Acuity's holistic approach to car insurance ensures that cost, care, customer service and coverage are all part of the high-value package for drivers.
- Offers common discounts including bundling, multiple car and safe driving
- Ranks first in the city for claims handling
- Ranks first in the city for general customer satisfaction
- Ranks ninth in the city for affordability, with an average annual premium of $616 for minimum coverage
MoneyGeek ranks Centennial's car insurance by focusing on cost-effectiveness and customer contentment while considering claims efficiency, coverage breadth and insurer stability.
Average Cost of Car Insurance in Centennial
In Centennial, the average cost of car insurance is $1,235 per year. This premium is marginally above the Colorado state average of $1,228 per year. However, both these figures are significantly below the national average of $1,720, indicating a difference of $492 when comparing the state and national averages.
Various factors affect car insurance rates, including driving history, car model and personal demographics. However, location remains a significant aspect due to its influence on factors such as accident rates, thefts and urban density. Denver has the highest annual premium at $1,400, demonstrating the impact of a bustling city environment on insurance costs. Fort Collins boasts the lowest rate at $1,052 per year, illustrating how less trafficked areas can contribute to more favorable insurance rates. In non-city regions with even lower traffic density, rates could be even more favorable.
Arvada | $1,187 |
Aurora | $1,351 |
Boulder | $1,090 |
Centennial | $1,235 |
Colorado Springs | $1,247 |
Denver | $1,400 |
Fort Collins | $1,052 |
Greeley | $1,087 |
Highlands Ranch | $1,206 |
Lakewood | $1,274 |
Pueblo | $1,304 |
Thornton | $1,247 |
Westminster | $1,206 |
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.