Your 2021 Guide To Auto Insurance in Centennial, Colorado

image shows multiple types of cars and trucks on a busy highway

Does Car Insurance matter in Centennial, Colorado?

Cheapest liability insurance rates in Centennial

Out of the seven insurance companies we work with in Centennial, here are the cheapest for liability insurance. Dairyland, also known as Viking, averages around $85 and Travelers is on the higher end at $135. Bristol West, Mendota and The General are all three very competitive, a mere difference in dollars. All of these offer different discounts which can save customers additional money. Home Owners discounts can be applied for owning a home, rather than renting. This typically lowers your premium $5/month on average depending the company.

RankCompanyAverage price
1Dairyland (Viking)$85.00
2Progressive$86.00
3Bristol West$100.00
4Mendota$102.00
5The General$103.00
6Liberty Mutual$135.00
7Travelers$135.00

Insurance Discounts from Each Company

You’ll notice below that both The General and Gainsco offer the same discounts. Having ‘no accidents or violations’ can save you hundreds in car insurance vs someone with a hefty driving record. Most companies offer a ‘safe driving discount’ on top of having a good driving history. Other discounts in Centennial Colorado include a Pay in Full and continuous insurance discount. If you have been insured for at least 6 months, with no longer than 31 days lapse, this continuous insurance discount may be applied to you.

The General
Gainsco
Multi VehicleAuto Pay
No Accidents or ViolationsMulti Vehicle
MarriedNo Accidents or Violations
Auto PayContinuous Insurance
Paid in FullHomeowners
HomeownersMarried
Continuous InsurancePaid in Full

Centennial Nearby cities and neighborhoods 

Nearby neighborhoods in Centennial include Willow Creek and Cherry Knolls. Nearby towns include Parker, and Littleton Colorado. You may have noticed your premium increase or decrease when updating your address after moving. This is because insurance rates vary upon your zip code. A heavily populated place with more drivers on the road typically results in a larger amount of car accidents and claims. This causes the rates to increase for these towns/cities and their nearby neighborhoods.

Neighborhoods in Centennial, ColoradoCities Near CentennialZip Codes in Centennial
Willow CreekLittleton, CO80015
ParkboroughSouthglenn, CO
Cherry KnollsParker, CO
Columbine, CO

How age and gender affects your auto insurance rates

Many people are unaware of factors that impact their insurance rates. Statistics show that female drivers drive safer than males. Of course, this means female insurance rates will be lower than a male’s insurance rates. Age is a large factor as well. Like most aspects in life, our rates and benefits get better as our age increases. Check out the average rates below.

AgeMaleFemale
16-18$ 231.84$ 184.09
19-24$ 193.20$ 161.00
25-30$ 139.84$ 124.84
31-40$ 110.40$ 106.08
41-50$ 109.48$ 98.44
50-65$ 99.36$ 101.48
65+$ 106.08$ 114.08

Centennial, CO has a population of 110,831 people, of that 83,984 are adults driving on the road with an average daily drive time of 26 minutes/day.

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Last Updated on July 19, 2021 by Katie Sopko

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