Centennial drivers typically pay $120 per month for full coverage car insurance. Rates can range from as low as $119 to as high as $419, depending on various factors. To help drivers understand what they might expect to pay, the table below includes average car insurance costs for different driver profiles.
Centennial, CO Car Insurance
Updated: January 4, 2025
Advertising & Editorial Disclosure
Cheapest Car Insurance in Centennial: Key Takeaways
American National P&C, Auto-Owners and GEICO are among the most affordable car insurance companies for residents looking to save on their premiums.
For the best rates, American National P&C offers minimum coverage at $28 per month and full coverage at $69, making it the cheapest provider in town.
On average, residents pay $56 monthly for minimum coverage and $120 for full coverage, though rates fluctuate based on individual driver profiles.
Car Insurance Quotes in Centennial, CO
| Young Drivers | $69 | $148 |
| Teens | No Data | $419 |
| Seniors | $57 | $114 |
| Drivers With a Speeding Ticket | $71 | $150 |
| Drivers With a DUI | $95 | $194 |
| Drivers With An Accident | $85 | $175 |
| Bad Credit | $93 | $207 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Centennial vs. State Average
Colorado
State Average Full Coverage Rate
$1,415
Centennial, CO
City Average Full Coverage Rate
$1,437More:$22 more
This is 2% more expensive.
What Is the Average Car Insurance Rate in Centennial?
In Centennial, the average cost for full coverage car insurance is $1,437 per year, while state minimum coverage is $673 annually. These estimates are higher than the Colorado state averages, where full coverage costs $1,415 and state minimum coverage is $626 per year.
| State Average | $610 | $1,363 |
| Centennial Average | $657 | $1,385 |
Cheapest Car Insurance Companies in Centennial
While premiums may rise across the Centennial State, you can still find affordable car insurance in Centennial. American National P&C offers the cheapest minimum coverage at $28 per month. For full coverage, they also provide the best rate at $69 monthly.
WHY CAR INSURANCE IN CENTENNIAL IS EXPENSIVE
Car insurance is expensive in Centennial due to a mix of local factors like high traffic and accident rates. The city ranks among the top in Colorado for costly premiums. Statewide, costs are driven up by a high number of uninsured drivers, frequent personal injury lawsuits, and insurance fraud.
Cheap Car Insurance in Centennial
American National P&C often offers the cheapest car insurance, but rates vary for each driver. To find the most affordable option, get quotes from multiple providers. Below is a table with the cheapest rates for different driver profiles.
| Colorado Farm Bureau | Minimum Coverage | $25 |
| Colorado Farm Bureau | Full Coverage | $62 |
| Auto-Owners Insurance Co | Teens | $272 |
| American National P&C | Young Adults | $60 |
| American National P&C | Seniors | $50 |
| GEICO | Bad Credit | $79 |
| Colorado Farm Bureau | Drivers With a DUI | $59 |
| Colorado Farm Bureau | Drivers With An Accident | $55 |
| Colorado Farm Bureau | Drivers With a Speeding Ticket | $55 |
Car Insurance Rates in Centennial by Company
Car insurance companies in Centennial set their own prices. To find the most affordable rates, compare multiple providers. We detail the cheapest plans for state minimum and full coverage car insurance below.
Cheapest Car Insurance Companies for Minimum Coverage in Centennial
American National P&C offers the cheapest minimum coverage auto insurance at $28 per month. GEICO follows at $33 per month. For a full breakdown of the cheapest options, see the table below.
| American National P&C | $28 | $28 |
| GEICO | $33 | $23 |
| Colorado Farm Bureau | $37 | $19 |
| Progressive | $39 | $17 |
| American Family | $42 | $14 |
| Acuity | $48 | $8 |
| Auto-Owners Insurance Co | $49 | $7 |
| State Farm | $53 | $3 |
Cheapest Car Insurance Companies for Full Coverage in Centennial
American National P&C offers the cheapest full coverage car insurance in Centennial at $69 per month. Below is the full list of providers and their rates.
| Acuity | $107 | $13 |
| American Family | $101 | $19 |
| American National P&C | $69 | $51 |
| Auto-Owners Insurance Co | $104 | $16 |
| Colorado Farm Bureau | $111 | $9 |
| GEICO | $77 | $43 |
| Progressive | $100 | $19 |
Car Insurance Companies in Centennial
To find the cheapest car insurance in Centennial, we recommend getting quotes from several local companies. American National P&C offers the lowest rate at $581 annually, while Acuity stands out as the best affordable provider with a MoneyGeek score of 91. Check the table below for more options to consider in your search.
| Acuity | 90 | $929 |
| American National P&C | 77 | $581 |
| American Family | 76 | $859 |
| Auto-Owners Insurance Co | 75 | $918 |
| GEICO | 66 | $663 |
| State Farm | 66 | $1,081 |
| Progressive | 63 | $834 |
| Farmers | 55 | $1,207 |
| Nationwide | 53 | $1,505 |
| Allstate | 50 | $1,344 |
| Kemper | 49 | $1,214 |
| Colorado Farm Bureau | No Data | $522 |
| Farmers Union Insurance | No Data | $1,614 |
Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Centennial by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $1,516 per year for 40-year-olds and $1,433 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $3,087 | $-786 |
| 17 | $3,061 | $-760 |
| 18 | $2,622 | $-321 |
| 19 | $2,488 | $-187 |
| 20 | $2,608 | $-307 |
| 21 | $1,963 | $338 |
| 22 | $2,176 | $125 |
| 23 | $2,223 | $78 |
| 24 | $2,115 | $186 |
| 25 | $1,776 | $-295 |
| 40 | $1,385 | $96 |
| 65 | $1,368 | $112 |
Cheapest Car Insurance for Teens in Centennial
Kemper offers the cheapest overall car insurance for teens in Centennial at $133 per month, saving families $101 compared to the state average. The table below also breaks down some of the most affordable providers in the city for this age group.
| Kemper | $133 | $101 | $438 |
| GEICO | $159 | $76 | $386 |
| Allstate | $194 | $40 | $370 |
| Nationwide | $215 | $20 | $394 |
| State Farm | $227 | $8 | $275 |
| Auto-Owners Insurance Co | $273 | $-38 | $272 |
| Progressive | $301 | $-66 | $492 |
| Farmers | $375 | $-141 | $723 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Centennial
American National P&C offers the cheapest minimum coverage at $34 per month and the most affordable full coverage at $86 per month for young drivers in Centennial. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| American National P&C | Minimum Coverage | $34 |
| American National P&C | Full Coverage | $86 |
| GEICO | Bad Credit | $90 |
| American National P&C | Drivers With a DUI | $93 |
| American National P&C | Drivers With An Accident | $83 |
| American National P&C | Drivers With a Speeding Ticket | $71 |
Cheapest Car Insurance Companies for Young Drivers in Centennial
American National P&C offers the most affordable auto insurance for young drivers at $60 per month. For more details on affordable auto insurance. The table below shows other companies with competitive rates.
| American National P&C | $60 | $53 |
| GEICO | $62 | $50 |
| Progressive | $85 | $28 |
| American Family | $89 | $24 |
| Auto-Owners Insurance Co | $104 | $9 |
| Acuity | $111 | $2 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Centennial
American National P&C and American Family offer the cheapest car insurance in the city, but rates vary based on factors like driving history and coverage needs. Below is a table showing the cheapest providers for different driver and coverage profiles that may better fit you.
| American National P&C | Minimum Coverage | $32 |
| American National P&C | Full Coverage | $68 |
| GEICO | Bad Credit | $83 |
| American Family | Drivers With a DUI | $73 |
| American National P&C | Drivers With An Accident | $71 |
| American National P&C | Drivers With a Speeding Ticket | $60 |
Cheapest Car Insurance Companies for Seniors in Centennial
American National P&C offers the cheapest monthly premium for seniors at $50 for both minimum and full coverage. GEICO follows closely with a monthly rate of $57. The table below shows options of the top car insurance providers for seniors in Centennial.
| American National P&C | $50 | $39 |
| GEICO | $57 | $31 |
| American Family | $63 | $26 |
| Progressive | $69 | $20 |
| Auto-Owners Insurance Co | $71 | $18 |
| Acuity | $81 | $7 |
| State Farm | $83 | $6 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Centennial
In Centennial, insurance rates for high-risk drivers are lower than the state average. The average annual cost for minimum coverage is $1,026, compared to the state's $1,998. Full coverage is $2,137 in Centennial, while the state average is $3,982. Those with bad credit and DUIs pay the most, whereas accidents and speeding tickets have a smaller impact.
| State Average | $952 | $2,091 |
| Centennial Average | $1,026 | $2,137 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a not-at-fault accident or a speeding ticket in Centennial, are taken into account by insurers for a few years. For more serious offenses, such as a DUI, insurers may consider your history for a longer period, and you might need to file an SR-22 or FR-44 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Centennial
Progressive offers the cheapest minimum coverage for drivers with a DUI at $44 per month. For full coverage, American National P&C leads with a rate of $104 per month. Check out the table below for more affordable options.
| American National P&C | $46 | $104 |
| American Family | $47 | $116 |
| Progressive | $44 | $119 |
| State Farm | $59 | $140 |
| Colorado Farm Bureau | $55 | $140 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Centennial
American National P&C, Colorado Farm Bureau, and American Family offer the most affordable car insurance for drivers with an at-fault accident in Centennial. Below is a table showing providers in Centennial offering affordable coverage for these drivers.
| American National P&C | $40 | $93 |
| American Family | $48 | $120 |
| GEICO | $55 | $135 |
| Colorado Farm Bureau | $47 | $139 |
| Progressive | $64 | $166 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Centennial
American National P&C is the cheapest car insurance provider for drivers with a speeding ticket, offering minimum coverage at $34 and full coverage at $81 monthly in Centennial. Check the table below to see how other providers charge drivers with a speeding ticket.
| American National P&C | $34 | $81 |
| GEICO | $40 | $97 |
| American Family | $47 | $116 |
| Progressive | $49 | $132 |
| Colorado Farm Bureau | $50 | $133 |
**Rates are for a 40-year-old driver with good credit and a speeding ticket.*
Cheapest Car Insurance for Bad Credit in Centennial
GEICO offers the most affordable rates for drivers with bad credit, with $46 for minimum coverage and $113 for full coverage. See the table below for other affordable options.
| GEICO | $46 | $113 |
| American Family | $68 | $157 |
| Acuity | $74 | $165 |
| Progressive | $58 | $169 |
| Colorado Farm Bureau | $75 | $223 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Centennial, CO
In Colorado, each city follows statewide mandates for car insurance minimums. Here's what your policy needs at a minimum:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $15,000 for property damage liability per accident
For example, if you're in an accident, your insurance would cover up to $50,000 for injuries to others in the accident and $15,000 for property damage. This ensures financial protection in case of unforeseen events.
Cheap Car Insurance in Centennial: Bottom Line
American National P&C has the cheapest car insurance in Centennial, with minimum coverage at $28 and full coverage at $69. No matter your age or credit, you'll find providers with great rates. Make sure your policy includes Colorado's required coverage for injuries and damages. Compare to get the best price without giving up the protection you need by law.
Centennial Auto Insurance: FAQ
This section provides quick answers to common questions about finding the cheapest and best car insurance options in Centennial.
What is the cheapest car insurance company in Centennial, Colorado?
American National P&C offers the most affordable state minimum car insurance in Centennial, Colorado, at $28 per month.
What is the best car insurance company in Centennial, Colorado?
Colorado Farm Bureau stands out as the best car insurance provider in Centennial. Expect to pay around $892 annually for their state minimum coverage policy.
How much does car insurance cost on average in Centennial?
The average monthly cost for minimum coverage in Centennial ranges from $56 to $97.
Best Cheap Car Insurance in Centennial: Our Methodology
MoneyGeek conducted an analysis of Centennial auto insurance prices using data from the Colorado Division of Insurance and Quadrant Information Services.
Centennial Driver Profile
To assess the best and most affordable auto insurance options for Centennial residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Centennial
In assessing the car insurance quotes for Centennial, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Colorado's mandated liability insurance parameters:
The minimum coverage requirements in Colorado are:
- $25,000 for bodily injury liability per person
- $50,000 for bodily injury liability per accident
- $15,000 for property damage liability per accident
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Colorado providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Centennial
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Centennial. For more details on our evaluation process, see MoneyGeek's methodology.
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.