Centennial Car Insurance

The Zebra
May 30, 2018

Car Insurance in Centennial

Premiums in Colorado are relatively similar to national rates, as its premiums are within $8 of the national average. Let’s get started on how to save on car insurance in Centennial.

  • City Average: $1,415
  • State Average: $1,435
  • National Average: $1,427

Centennial Car Insurance by Age

Everybody loves to save money, and luckily for drivers in their 50s, they do just that! They have the lowest car insurance payments among any age group, with rates of $1,300. However, people in their 60s ($1,332) aren’t paying significantly more. Teenage drivers are the ones who pay the most in car insurance premiums, with rates of $5,693 on average. When drivers hit their 20s in Centennial, therefore moving out of the teenage age bracket, they can save 66%, the biggest difference between any age group. Car insurance premiums for drivers continue to shrink through their 50s, but they can expect a change when they turn 60.

  • Teenagers: $5,693
  • 20s: $1,922
  • 30s: $1,391
  • 40s: $1,367
  • 50s: $1,300
  • 60s: $1,332
  • 70s: $1,641

Centennial Car Insurance by Gender and Marital Status

In Centennial, both gender and marital status can influence your car insurance premiums. Rates for those who are widowed are moderately cheaper than rates for those who are single. Being married, as opposed to single or divorced, can save you an average of 5% per year. Premiums are more costly for women. Women usually pay $43 more than men each year for insurance.

  • Female: $1,458
  • Male: $1,415
  • Single: $1,415
  • Married: $1,340
  • Divorced: $1,415
  • Widowed: $1,359

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Centennial Car Insurance by Accident or Violation History

Does your driving record show a history of accidents or violations? That can influence your prices on car insurance. Normally, a DUI in Centennial will cost you 53% more in car insurance premiums versus the city average ($1,415). Reckless driving will also drive your rates up, with typical rates of $2,141, which are 51% higher than the city average! Many people are lenient about obeying speed limits, but a ticket for driving 16-20mph over the limit costs you a striking 22% more per year on car insurance.

  • DUI: $2,167
  • Reckless Driving: $2,141
  • At-fault Accident (damages less than $1000): $2,100
  • At-fault Accident (damages greater than $2000): $2,100
  • Speeding Ticket (16-20 mph over speed limit): $1,720

Centennial Car Insurance by Credit Rating

Average car insurance premiums in Centennial for individuals with Very Poor credit (300-579) are over double the premiums for those with Exceptional credit (800-850). Drivers can save approximately $357 per year when they upgrade their credit tier from Very Poor (300-579) to Fair (580-669).

  • Very Poor: $2,729
  • Fair: $2,288
  • Good: $1,862
  • Very Good: $1,505
  • Exceptional: $1,232