Centennial Car Insurance

What's the average car insurance rate in Centennial?


The typical Centennial driver 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. Keep reading to learn more!


CENTENNIAL AUTO INSURANCE PREMIUMS
Centennial Average (annual)Colorado AverageUnited States Average
$1,759$1,757$1,548

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Centennial car insurance premiums by insurer


One of the most important determinants of your car insurance rates is the 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
CompanyAverage Rate (annual)
USAA$1,077
GEICO$1,149
State Farm$1,369
Allstate$1,972
Progressive$2,240

Read our guide to finding the best cheap auto insurance.



Centennial car insurance premiums by age

The best age for car insurance rates as a driver in Centennial is your age_50s: drivers in this age group pay an average of $1,570per year. Drivers in their age_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 groupAverage 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.



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. Married drivers in Centennial pay $116 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Centennial, insurance rates for those who are widowed are less expensive than rates for those who are single.

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 StatusAverage 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 have on insurance rates.



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 $627per year in insurance premiums.


AVERAGE CENTENNIAL INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage 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 your auto insurance rates.



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 TierAverage Yearly Rate
Very Poor$3,385
Fair$2,141
Good$1,759
Very Good$1,600
Exceptional$1,447

Curious about how your credit score might impact your auto insurance rates? Click here to learn more.



Ava Lynch LinkedIn

Based in Austin, TX, Ava has been in the insurance industry as a licensed agent for 4-plus years. Ava is currently one of The Zebra’s resident property insurance experts and has been featured in publications such as US News Report, GasBuddy, and Yahoo! Finance.