Best Cheap Auto Insurance in Centennial, CO (2021)

The average Centennial, CO auto insurance rates are $332 per month. The minimum auto insurance in Centennial is at least 25/50/15 in coverage to comply with Colorado auto insurance laws. To find the best cheap auto insurance in Centennial, Colorado, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: May 17, 2021

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Things to Remember

  • Average auto insurance rates in Centennial, CO for senior drivers are $2,317 per year
  • The minimum auto insurance required in Centennial, Colorado is 25/50/15
  • The average commute length in Centennial is 26.2 minutes

Centennial, Colorado auto insurance requirements are 25/50/15 according to Colorado auto insurance laws. Finding cheap auto insurance in Centennial can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Centennial, Colorado, including driving record, credit, commute time, and more.

Compare auto insurance in Centennial to other Colorado cities, including Thornton auto insurance rates, Lakewood auto insurance rates, and Centennial auto insurance rates to see how Centennial, Colorado auto insurance rates stack up.

Before you buy Centennial, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Centennial, Colorado auto insurance quotes.

Minimum Auto Insurance in Centennial, Colorado

Centennial, Colorado auto insurance laws require that you have at least the Colorado minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Centennial, Colorado.

Minimum Required Auto Insurance Coverage in Centennial, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Centennial, Colorado Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Centennial, Colorado are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Centennial, Colorado

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,465 $3,221 $3,146 $3,174 $12,766 $13,458 $3,761 $3,751
American Family $2,621 $2,621 $2,365 $2,365 $6,357 $8,564 $2,621 $3,202
Farmers $3,006 $2,981 $2,711 $2,935 $12,047 $12,190 $3,304 $3,320
GEICO $1,978 $2,178 $2,155 $2,490 $6,372 $6,696 $1,800 $1,802
Liberty Mutual $1,873 $1,799 $1,603 $1,771 $6,130 $6,681 $1,889 $1,882
Nationwide $2,644 $2,683 $2,371 $2,496 $6,791 $8,655 $3,055 $3,292
Progressive $2,429 $2,264 $2,155 $2,139 $8,677 $9,664 $2,725 $2,635
State Farm $2,113 $2,113 $1,930 $1,930 $6,385 $8,036 $2,375 $2,818
USAA $2,074 $2,054 $1,995 $1,979 $5,361 $6,112 $2,657 $2,864

Cheap Centennial, Colorado Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Centennial, Colorado is a challenge. Take a look at the annual teen auto insurance rates in Centennial, Colorado.

Annual Auto Insurance Rates for Teen Drivers in Centennial, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $12,766 $13,458
American Family $6,357 $8,564
Farmers $12,047 $12,190
GEICO $6,372 $6,696
Liberty Mutual $6,130 $6,681
Nationwide $6,791 $8,655
Progressive $8,677 $9,664
State Farm $6,385 $8,036
USAA $5,361 $6,112

Cheap Centennial, Colorado Auto Insurance for Seniors

What are senior auto insurance rates in Centennial, Colorado? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Centennial, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,146 $3,174
American Family $2,365 $2,365
Farmers $2,711 $2,935
GEICO $2,155 $2,490
Liberty Mutual $1,603 $1,771
Nationwide $2,371 $2,496
Progressive $2,155 $2,139
State Farm $1,930 $1,930
USAA $1,995 $1,979

Cheap Centennial, Colorado Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Centennial, Colorado compared to the annual auto insurance rates with a clean record in Centennial, Colorado.

Annual Centennial, Colorado Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,932 $5,722 $7,082 $5,635
American Family $2,840 $4,023 $5,274 $3,221
Farmers $4,483 $5,782 $5,700 $5,282
GEICO $2,215 $3,503 $4,144 $2,873
Liberty Mutual $2,601 $3,039 $3,126 $3,047
Nationwide $3,083 $4,202 $5,320 $3,389
Progressive $3,522 $5,012 $3,715 $4,096
State Farm $3,162 $3,763 $3,463 $3,463
USAA $2,281 $2,800 $4,900 $2,567

Cheap Centennial, Colorado Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Centennial, Colorado is not easy. Compare the annual rates for DUI auto insurance in Centennial, Colorado to find the best deal.

Annual Auto Insurance Rates After a DUI in Centennial, Colorado

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $7,082
American Family $5,274
Farmers $5,700
GEICO $4,144
Liberty Mutual $3,126
Nationwide $5,320
Progressive $3,715
State Farm $3,463
USAA $4,900

Cheap Centennial, Colorado Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Centennial, Colorado annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Centennial, Colorado

Insurance Company Poor Fair Good
Allstate $7,444 $5,753 $4,332
American Family $4,974 $3,556 $2,987
Farmers $6,139 $5,024 $4,772
GEICO $3,829 $3,184 $2,538
Liberty Mutual $4,201 $2,597 $2,062
Nationwide $4,827 $3,833 $3,336
Progressive $4,630 $3,972 $3,656
State Farm $4,798 $3,092 $2,497
USAA $4,616 $2,658 $2,138

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Cheap Centennial, Colorado Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Centennial, Colorado can vary. Compare the annual cost of auto insurance by ZIP code in Centennial, Colorado to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Centennial, Colorado

ZIP Code Average Annual Rates
80111 $3,772
80112 $3,681
80121 $3,677
80122 $3,616

Cheap Centennial, Colorado Auto Insurance Rates By Commute

Commute length and annual mileage affect Centennial, Colorado auto insurance. Find the cheapest annual Centennial, Colorado auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Centennial, Colorado

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,843 $5,843
American Family $3,756 $3,923
Farmers $5,312 $5,312
GEICO $3,121 $3,247
Liberty Mutual $2,953 $2,953
Nationwide $3,998 $3,998
Progressive $4,086 $4,086
State Farm $3,376 $3,549
USAA $3,049 $3,225

Cheap Centennial, Colorado Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Centennial, Colorado? Check out the comparison of annual Centennial, Colorado auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Centennial, Colorado

Insurance Company Low Medium High
Allstate $5,501 $5,822 $6,205
American Family $3,618 $3,919 $3,981
Farmers $4,586 $5,226 $6,124
GEICO $2,789 $3,114 $3,649
Liberty Mutual $2,759 $2,942 $3,159
Nationwide $3,960 $4,006 $4,029
Progressive $3,707 $4,103 $4,449
State Farm $3,184 $3,465 $3,739
USAA $2,977 $3,137 $3,296

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Best By Category: Cheapest Auto Insurance in Centennial, Colorado

Compare the cheapest auto insurance companies in Centennial, Colorado in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Centennial, Colorado

Category Insurance Company
Teenagers USAA
Seniors Liberty Mutual
Clean Record GEICO
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

The Cheapest Centennial, Colorado Auto Insurance Companies

What auto insurance companies in Centennial, Colorado are the cheapest? Compare the top Centennial, Colorado auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Centennial, Colorado

Insurance Company Average Annual Rates
Allstate $5,843
American Family $3,839
Farmers $5,312
GEICO $3,184
Liberty Mutual $2,953
Nationwide $3,998
Progressive $4,086
State Farm $3,463
USAA $3,137

What affects auto insurance rates in Centennial, Colorado?

There are a lot of reasons why auto insurance rates in Centennial, Colorado are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Centennial, Colorado. Many local factors may affect your Centennial auto insurance rates.

Centennial Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Centennial, Colorado commute length is 26.2 minutes according to City-Data.

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Compare Centennial, Colorado Auto Insurance Quotes

Before you buy Centennial, Colorado auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Centennial, Colorado auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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