Centauri Auto Insurance Review (2021)
Our Centauri auto insurance review will cover everything you need to know about this company and its offered policies. Since 2006, Centauri Insurance has provided specialty property insurance to homes and businesses in the Gulf Coast region and Hawaii. Centauri auto insurance is not an available coverage option for sale from the company.
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Written by
Leslie Kasperowicz
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Reviewed by
Daniel Walker
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UPDATED: Jan 26, 2021
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- Centauri Insurance is a property and casualty insurance company that began operating in 2006.
- Centauri auto insurance is not an available coverage option for sale from the company.
- Centauri Insurance is a regional carrier operating only in the Gulf Coast and Hawaii.
Residents of the Gulf Coast region and Hawaii are familiar with the annual risks of hurricane season, and many have found a reliable property and casualty insurance provider in Centauri Insurance Company.
Centuari home insurance has been so reliable that many homeowners are even wondering about purchasing car insurance. Can Centauri auto insurance coverage be added to an existing home insurance plan?
Unfortunately, Centauri auto insurance company is not a division of the specialty insurance company. Centauri remains focused on disaster- and weather-related claims for homes and businesses.
Residents may have to look elsewhere to find the best companies for car insurance, but our Centauri Auto Insurance review will still help explain any lingering auto insurance questions in full, as well as provide a rundown of the contact info, claims process, and quote options for the Centauri Specialty Ins. Co.
Were you hoping to buy Centauri auto insurance? Since you won’t be getting any Centauri auto insurance quotes, why not try out our free online quote option to find the best rates right nod.
Table of Contents
Does Centauri sell auto insurance?
Centauri is a specialty insurance company that built its business on selling hurricane and disaster-related property and casualty insurance in Hawaii.
Centauri now sells insurance in Louisiana, Mississippi, Alabama, Florida, Hawaii, Texas, and South Carolina, but can motorists in these states purchase a Centauri auto insurance policy?
Centauri does not currently sell auto insurance polices, and it does not look like they will deviate from hurricane-related coverage into the auto insurance market anytime soon. We recommend interested parties look to a third party auto insurance company to find affordable prices on different types of auto insurance coverage.
How long has Centauri Insurance been in business? According the the Centauri Insurance wiki corporate page, Centauri Specialty Insurance Company filed as a domestic for profit corporation in Florida in 2006.
Though the company originated in Florida, it found the area financially unsound to offer insurance policies at its start and by 2012 had already successfully made a name for itself by selling hurricane policies for at-risk homes in Hawaii.
After establishing themselves as a reliable insurance company, Centauri continued its expansion of operations to include Florida and other states in the Gulf Coast region.
Who owns Centauri Insurance?
Ricardo A. “Rick” Espino is the active President, CEO, and main shareholder of Centauri Specialty Insurance Holdings and its subsidiaries. Espino maintains overall operational and strategic management responsibilities for the entire suite of Centauri companies.
Centauri Insurance news probably won’t involve automotive coverage unless a hurricane sweeps through destroying every vehicle in a car dealership lot. But so as not to leave you empty handed, we’ve gone ahead and included some average estimates for auto insurance rates by state in the table below.
| States | Average Annual Comprehensive Auto Insurance Rates |
|---|---|
| Oregon | $89.66 |
| Maine | $96.66 |
| California | $99.29 |
| Hawaii | $100.09 |
| New Hampshire | $103.03 |
| Washington | $104.11 |
| Utah | $106.57 |
| Florida | $110.12 |
| Idaho | $110.78 |
| Ohio | $112.74 |
| Delaware | $113.23 |
| Indiana | $115.02 |
| Nevada | $116.79 |
| Illinois | $117.98 |
| Vermont | $118.31 |
| Rhode Island | $122.17 |
| North Carolina | $123.00 |
| New Jersey | $123.18 |
| Connecticut | $126.02 |
| Wisconsin | $126.34 |
| Massachusetts | $128.92 |
| Virginia | $129.89 |
| Kentucky | $130.15 |
| Pennsylvania | $132.01 |
| Tennessee | $135.62 |
| Countrywide | $138.87 |
| Alaska | $141.08 |
| Alabama | $146.28 |
| Maryland | $146.77 |
| Michigan | $147.02 |
| Georgia | $153.61 |
| New York | $156.66 |
| Colorado | $158.34 |
| South Carolina | $165.38 |
| Missouri | $166.34 |
| New Mexico | $166.89 |
| Iowa | $171.58 |
| Minnesota | $173.04 |
| Arkansas | $183.36 |
| Arizona | $184.20 |
| Texas | $186.70 |
| Mississippi | $194.74 |
| West Virginia | $195.04 |
| Montana | $199.87 |
| Oklahoma | $201.56 |
| Nebraska | $206.24 |
| Louisiana | $208.59 |
| Wyoming | $222.86 |
| Kansas | $225.34 |
| North Dakota | $227.64 |
| South Dakota | $228.59 |
| District of Columbia | $230.25 |
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These average rates for comprehensive auto insurance will help give you a rough estimate of what you might spend on auto coverage and looking over them is one of the best ways to start comparison shopping auto insurance rates.
Even if hurricanes are your major concern for property damage in the Gulf Coast region, drivers should also remember the importance of maintaining auto insurance coverage through safe driving practices; even a single car accident can have an impact on your auto insurance rates, as this table below shows:
| Companies | Average Annual Rates With a Clean Driving Record | Average Annual Rates With 1 Accident | Average Annual Rates With 1 DUI | Average Annual Rates With 1 Speeding Violation |
|---|---|---|---|---|
| USAA | $1,858.11 | $2,737.39 | $3,224.03 | $2,132.96 |
| State Farm | $2,561.35 | $2,934.63 | $3,462.47 | $2,561.35 |
| GEICO | $2,769.60 | $3,651.43 | $3,061.96 | $3,570.55 |
| Nationwide | $3,351.99 | $3,351.99 | $4,977.19 | $3,789.11 |
| Progressive | $4,066.74 | $5,258.36 | $4,753.00 | $4,581.27 |
| Allstate | $4,270.52 | $6,562.28 | $6,837.95 | $4,270.52 |
| American Family | $4,418.84 | $5,627.66 | $4,931.37 | $4,418.84 |
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It’s important to reiterate to readers that these averages are not for any form of auto insurance from Centauri Insurance.
Centauri Insurance wisely continues to put its primary focus on hurricane coverage, and residents of the Gulf Coast and Hawaii would be just as wise to seek out an insurance company that has specialized in hurricane coverage for as long as Centauri has been in business.
According to the Congressional Budget Office, expected annual economic losses from hurricane caused damages total on average from $34-$54 billion in losses to households, $9 billion to commercial businesses, and $12 billion to the public sector.
Centauir is mainly based in states where hurricane damage is common and insurance options are in high demand. The company does offer basic homeowners policies in addition to hurricane policies, which widens its customer base.
The video below explains some of the basics of hurricane coverage.
Given the complexities and financial strain of hurricanes on the insurance industry, financial stability is key to insurance companies specializing in disaster-related coverage. So what is the financial Centauri Insurance rating?
A.M. Best, the top credit ranking agency in the insurance industry, does not generally rate specialty or regional insurance companies. As a result, the Centauri Insurance A.M. Best rating is currently unrated.
Demotech, a smaller credit ranking agency that specializes in rating the financial stability of regional carriers, rates Centauri Insurance as financially stable with an A ranking.
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Where is Centauri Insurance located?
The physical address for Centauri insurance is 4081 Lakewood Ranch Blvd, Suite 200, Sarasota, FL, 34240.
Does Centauri Insurance have agents?
The property and casualty insurance company does have agents who can be reached online or by calling the Centauri Insurance phone number at 1-866-318-4113.
Centauri Insurance customer service representatives will be happy to answer any of your property insurance questions as well as directing you to a local Centauri Insurance agent.
The majority of Centauri Insurance jobs, however, are not directly associated with the company. The company operates through independent agents across each state which means you’ll have to eventually contact your local Centauri office to find out what Centauri offers.
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How do I file a claim with Centauri Insurance?
In the United States, over the 20-year period from 1997 to 2016, hurricanes and tropical storms were the second-largest cause of catastrophic loss, accounting for 38.2 percent of all damages.
It’s obviously important if you’re living in an at-risk area like the Gulf Cost region or Hawaii that you find an insurance provider with an easy, open and shut claims process to better protect your home or business from tropical storm damages.
You won’t find any information on how insurance claims for car accidents work with Centauri Insurance, as the company only offers property insurance for homes and businesses.
Storm-related loss or damage to a vehicle would be the only scenario that may involve auto damage coverage with a Centauri policy, but this is unlikely.
Customers can file Centauri Insurance claims online or by contacting the company’s cutomer service representatives who are available 24 hours a day, 365 days a year to answer calls.
- Homeowners Claims
Phone: 1-866-789-4228 (Hawaii)
Phone: 1-866-215-7574 (all other states)
Email: [email protected] - Flood Claims
Phone: 1-888-481-1141 - Business Owners/Commercial Claims
Phone: 1-866-789-4228
Email: [email protected]
Most of Centauri’s operations can be accessed online, including employee operations; the company has Centauri insurance agent login portals conveniently located on its site to better facilitate communication between agent and client.
The entire online process is essential to a company made up of independent agents helping to facilitate quick Centauri Insurance payments for any filed claim.
Although you won’t yet be picking your Centauri Insurance avatar, the company has created a tool set that mixes personal agent interaction with an increased online presence.
The Centauri Insurance cancellation policy is not as efficient, as it does not allow for online cancellation of policies; the company asks policyholders to contact agents with at least 30 days notice for cancelled policies.
A Centauri Insurance refund status would also need to be discussed with your personal agent or broker in the event of cancellation.
Are Centauri Insurance reviews favorable when it comes to the claims process?
The consumer watchdog agency the Better Business Bureau (BBB) rates Centauri Insurance somewhat favorably with an A grade for overall customer satisfaction.
The Centauri Insurance complaints as recorded by the National Association of Insurance Commissioners (NAIC) are not so glowing, however. The company’s complaint index score is one of the highest, sitting at a 2.81. The national average is one, so Centauri is getting a significantly higher number of complaints compared to other insurance companies.
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How do I get a quote from Centauri Insurance?
Centauri Insurance quotes cannot currently be found online. Potential customers interested in quotes would have to find a local agent and discuss options for property and casualty insurance in person.
Since you can’t find an auto insurance quote, or any quote for that matter, online through Centauri, you should try out our free online quote option. Type in your ZIP code and you’ll receive detailed quotes from multiple auto insurance companies in no time. It’s that simple.
Centauri Auto Insurance: The Bottom Line
Residents of the Gulf Coast region and Hawaii content with their current business or homeowners policies from Centauri Specialty Ins. Co. will have to look elsewhere for their auto insurance coverage.
The company specializes in hurricane damage and loss to homes and commercial businesses, and it doesn’t look like Centauri Insurance will be moving into any other field of the insurance industry anytime soon.
Looking for affordable Centauri auto insurance? While Centauri doesn’t offer auto insurance and you won’t find Centauri auto insurance rates, you can try out our free online quote engine. Just type in your ZIP code to receive detailed quotes from multiple auto insurance companies in seconds.
Frequently Asked Questions: Centauri Auto Insurance
Does Centauri have coverage for auto insurance? Now you know. For any unanswered questions, take a look at our list below.
#1 – Is Centauri Insurance a real company?
Centauri Insurance is a real company; information about the company, however, can be scarce since it’s a regional specialty company that focuses on property and casualty insurance for hurricane damage.
#2 – Does Centauri homeowners insurance cover tornado damage?
Centauri homeowners insurance would cover any damage to the physical structure that was caused by wind; this should account for tornado damage, but policyholders should speak with their Centauri agent directly to discuss what exactly is covered under storm damage policies.
#3 – Is there a Centauri Insurance equipment breakdown policy?
Centauri Insurance’s homeowners Equipment Breakdown Insurance covers claims for home equipment systems and property loss due to mechanical or electrical breakdown.