Centennial, CO Car Insurance
What's the average car insurance rate in Centennial?
The typical driver in Centennial, Colorado, pays $1,759 per year for auto insurance. That's pricier than the average in Colorado ($1,757) and pricier than the national average of $1,548. Our guide to Centennial car insurance includes average rates based on age, credit score, driving history and marital status.Â
CENTENNIAL AUTO INSURANCE PREMIUMS
| Centennial Average (annual) | Colorado Average | United States Average |
| $1,759 | $1,757 | $1,548 |
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Centennial car insurance premiums by company
One of the most important determinants of your car insurance rates is the auto insurance company you work with. In Centennial, USAA provides the most affordable rates for the typical insurance customer. See below the best options for affordable auto insurance in Centennial. Don't forget to get car insurance quotes based on your driving profile.
CENTENNIAL CAR INSURANCE PREMIUMS BY COMPANY
| Company | Average Rate (annual) |
| USAA | $1,077 |
| GEICO | $1,149 |
| State Farm | $1,369 |
| Allstate | $1,972 |
| Progressive | $2,240 |
Read our list of the best cheap auto insurance options.
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Centennial car insurance premiums by age
The best age for car insurance rates as a driver in Centennial is your 50s: drivers in this age group pay an average of $1,570 per year. Drivers in their 60s pay marginally higher rates — $1,594 per year.
Teen drivers pay Centennial's most expensive auto insurance rates. When drivers hit their 20s in Centennial and move out of the teenage age bracket, they reduce their premiums substantially. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Centennial is $4,112. That's the biggest gap in premiums between any pair of age brackets.
CENTENNIAL CAR INSURANCE PREMIUMS BY DRIVER AGE
| Age group | Average Yearly Rate |
| Teenagers | $6,344 |
| 20s | $2,231 |
| 30s | $1,715 |
| 40s | $1,666 |
| 50s | $1,570 |
| 60s | $1,594 |
| 70s | $1,895 |
Learn more about the impact of age on car insurance premiums.
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Centennial car insurance rates by gender and marital status
Marital status and gender are contributing factors to car insurance rates in many cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. However, rates for married and single drivers are equal in Centennial.Â
Another component of auto insurance pricing is gender. In Centennial, female drivers pay $14 per year more than do male drivers for car insurance.
CENTENNIAL CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
| Gender/Marital Status | Average Annual Rate |
| Female | $1,773 |
| Male | $1,759 |
| Single | $1,643 |
| Married | $1,643 |
| Divorced | $1,759 |
| Widowed | $1,685 |
Learn more about how gender and marital status affect insurance rates.
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Centennial auto insurance premiums by violation history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates affordable. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Centennial drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $660 per year versus the city average. A ticket for speeding results in a $315 rate hike, on average, while a DUI violation costs $627 per year in insurance premiums.
AVERAGE CENTENNIAL INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
| Incident/Violation | Average Yearly Rate |
| DWI/DUI | $2,386 |
| Reckless Driving | $2,419 |
| At-fault Accident (damages < $1,000) | $2,216 |
| At-fault Accident (damages > $2,000) | $2,510 |
| Speeding Ticket (16-20 mph over speed limit) | $2,075 |
Learn more about citations' impact on auto insurance rates.
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Centennial car insurance rates by credit level
An important insurance rating factor is credit. Drivers with checkered credit histories typically face higher car insurance rates than do drivers with good credit. In fact, Centennial drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 57% decrease in car insurance rates. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Centennial, improving your credit to "Fair" corresponds with a $1,244 decrease in annual car insurance rates.
CENTENNIAL CAR INSURANCE RATES BY CREDIT LEVEL
| Credit Tier | Average Yearly Rate |
| Very Poor | $3,385 |
| Fair | $2,141 |
| Good | $1,759 |
| Very Good | $1,600 |
| Exceptional | $1,447 |
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.