For drivers in Centennial, one of the largest things that aid in calculating the amount you pay for auto insurance is where you normally keep your vehicle. Larger areas tend to have more expensive car insurance rates, whereas areas with lower vehicle theft rates and fewer weather claims benefit from lower rates.
The information below ranks the most expensive cities in Colorado to purchase car insurance in. Centennial ranks #15 costing $1,265 for the average policyholder, which is about $105 each month.
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Premium amounts are estimated as specific Centennial garaging address can raise or lower insurance rates considerably.
Now that we know where Centennial ranks compared to other areas, finding dependable, affordable auto insurance is easier said than done, and finding out which company offers the most affordable car insurance rates in Centennial requires a bit more work.
Each auto insurance company uses slightly different criteria for setting rates, so we'll take a look at the most competitive car insurance companies in Centennial, CO. It's important that you understand Colorado car insurance rates are impacted by many factors which can significantly increase or decrease the cost of coverage. That is why it is crucial to perform a complete rate comparison when trying to find affordable insurance quotes in Centennial. Rates are made up of many factors and change frequently, so the most economical company two years ago may now be costing you a lot of money.
Best Auto Insurance Prices in Centennial
The Hartford may have some of the lowest car insurance rates in Centennial at around $825 per year. This is $753 less than the average price paid by Colorado drivers of $1,578. Grange, USAA, Nationwide, and GEICO are also some of the cheaper Centennial, CO car insurance companies.
In the above rates, if you currently have coverage with Grange and switched to The Hartford, you could realize a yearly savings of about $162. Drivers with USAA may save as much as $214 a year, and Nationwide insureds might cut rates by $318 a year.
It's important to note that these rates are averaged for all ages of drivers and types of vehicles and are not factoring in a specific location in Centennial. So the car insurance company that fits your age and vehicle best may not even be in the top 21 companies in the list above. That helps illustrate why you need to get auto insurance quotes using your own individual information.
The vehicle model you are buying coverage for is one of the primary factors that determines the availablility of cheap coverage in Centennial. Vehicles with average performance, a plethora of safety features, or a track record of few liability claims will cost quite a bit less to insure than higher performance models. The information below outlines car insurance premiums for some of the most cost-effective automobiles to buy coverage for.
|Make, Model, and Trim Level||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$1,154|
|Honda Odyssey LX||$1,241|
|Honda CR-V EX 4WD||$1,267|
|Honda Accord LX 4-Dr Sedan||$1,276|
|Ford F-150 XLT Super Cab 4WD||$1,291|
|Volkswagen Jetta 2.0T Station Wagon||$1,324|
|Dodge Grand Caravan Hero||$1,336|
|Ford Explorer Limited AWD||$1,363|
|Toyota RAV4 Sport 4WD||$1,461|
|Nissan Altima 2.5 4-Dr Sedan||$1,466|
|Toyota Tacoma Double Cab 4WD||$1,461|
|Chevrolet Silverado Crew Cab Hybrid 2WD||$1,506|
|Chevrolet Impala LT||$1,511|
|Ford Focus SEL 4-Dr Sedan||$1,514|
|Ford Edge Sport AWD||$1,542|
|Hyundai Elantra SE 4-Dr Sedan||$1,548|
|Toyota Camry XLE||$1,542|
|Nissan Rogue S AWD||$1,566|
|Jeep Grand Cherokee Limited 4WD||$1,571|
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Price estimates do not factor in zip code location which can change price quotes substantially.
Based upon these rates, we can expect models like the Ford Escape, Honda Odyssey, Honda CR-V, Honda Accord, and Ford F-150 are going to be a few of the most affordable vehicles to insure for drivers in Centennial.
Types of discounts on Centennial insurance rates
Car insurance companies that provide policies in Centennial may provide policy discounts that can lower rates by 35% or more if you can meet the requirements. A few of the larger companies and a summarized list of policyholder discounts include:
- American Family offers discounts including accident-free, air bags, good driver, defensive driver, and early bird.
- Farm Bureau may offer discounts for multi-vehicle, 55 and retired, good student, safe driver, youthful driver, and driver training.
- State Farm policyholders can earn discounts including passive restraint, driver's education, accident-free, Drive Safe & Save, good student, good driver, and safe vehicle.
- Travelers has discounts for student away at school, multi-car, good student, IntelliDrive, and save driver.
- The Hartford discounts include vehicle fuel type, air bag, defensive driver, bundle, and driver training.
- GEICO offers discounts for emergency military deployment, federal employee, multi-vehicle, anti-lock brakes, air bags, and good student.
- Progressive includes discounts for multi-policy, continuous coverage, good student, multi-vehicle, online signing, homeowner, and online quote discount.
The diagram below shows the difference between auto insurance costs with and without some available policy discounts. The premiums assume a female driver, no claims, a clean driving record, Colorado state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with defensive driving course, safe-driver, multiple policy, anti-theft, vehicle safety, and claim-free discounts applied. When drivers qualify for the discounts, the the average yearly reduction on insurance in Centennial is 28% or $392.
How to find cheaper insurance in Centennial
The list below details a few thrifty ideas that can help Centennial drivers buy low-cost coverage.
- Higher credit ratings may save you money
- Buying your home and auto policies from the same company can earn a discount
- Drive safe vehicles
- If your vehicles are older, consider dropping full coverage
- Maintain a safe distance and avoid accidents
- Compare rates once a year for cheaper prices
That last idea is remarkably significant, as we emphasized in this article. Coverage rates change frequently, so don't be tentative to switch to a new company if you can find a cheaper rate. Having a favorite company is fine, but we do not recommend it if that faithfulness ends up costing you a small fortune year after year. Now is a great time to compare prices to find cheaper insurance in Centennial.