Best Car Insurance in Centennial 2022

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Most states require drivers to carry minimum liability insurance to prove that they are financially responsible, but the minimums vary from state to state.
Not only does the required insurance differ based on your state, but your car insurance rates also can be dramatically different based on your zip code. When determining your premiums, car insurance providers assess the risk of insuring drivers in specific cities, considering things like population, accident rate, crime rate, and weather for each location.
This can make finding the best rates for car insurance a complicated process. That’s where Jerry comes in handy. Jerry is an insurance broker app that will provide you with quotes from over 50 top insurance providers in seconds.
All you have to do is find a policy that works for you, and Jerry will help you take care of the rest—including filing all the paperwork and helping to cancel your old policy.
Don’t believe us? Here are some real quotes from Jerry customers in Centennial.
Quote DateCarZip CodeAgeInsurance Company
Before Jerry
After Jerry
April 20, 2021Ford F1508001528Progressive$125/mo.$66/mo.
May 15, 2021Jeep Wrangler Unlimited Sport8011230Kemper$100/mo.$66/mo.
October 3, 2021Dodge Caliber SXT8012257Safeco$168/mo.$69/mo.
September 29, 2021Hyundai Santa FE SE8012126Progressive$160/mo.$135/mo.
July 11, 2021BMW 330 XI8011234Travelers$250/mo.$177/mo.
Here’s more information about what impacts the insurance rates in your Centennial.

How much does car insurance cost in Centennial?

Car insurance in Centennial, Colorado costs single-car drivers an average of $2,021 annually, or about $168 per month. Compared to the state annual average of $2,828, auto insurance in Centennial is $808 lower higher.
A suburb of Denver, the town of Centennial is home to just over 108,000 residents. Chock full of parks and small businesses to peruse, and surrounded by the beautiful scenery of Colorado, there are countless things to do and see around Centennial. It’s become one of the best places to live in the state, especially for families.
As a rapidly-growing city, the cost of living in Centennial can get pricey, and this can end up impacting the cost of your car insurance.
If you want to save money on car insurance, Jerry is the easiest and most effective way to find a policy that is customized for you. A licensed broker, Jerry will handle the phone calls, paperwork, and renewals for your top pick so that you don’t have to.
Jerry will even help you cancel your old policy and keep you up-to-date with new quotes during your policy renewal period!
Here’s a rundown of what you need to know about car insurance in Centennial.
All Coverage Before Jerry
All Coverage After Jerry
Minimum Coverage Before Jerry
Minimum Coverage After Jerry
Full Coverage Before Jerry
Full Coverage After Jerry
Centennial$2,243$1,713$1,716$1,548--
National Average$3,223$2,143$3,086$1,764$3,423$2,486
CentennialNational Average
All Coverage Before Jerry
$2,243$3,223
All Coverage After Jerry
$1,713$2,143
Minimum Coverage Before Jerry
$1,716$3,086
Minimum Coverage After Jerry
$1,548$1,764
Full Coverage Before Jerry
-$3,423
Full Coverage After Jerry
-$2,486
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Choosing a carrier in Centennial

Not only do insurance rates vary based on zip code, but different providers can provide drastically different quotes for the same location.
Every insurance company uses its own calculation to determine the risk of insuring drivers in different cities. If you have recently moved, you may find that premiums with your current provider have changed dramatically in your new home.
In that case, it may be time to shop around for a new carrier. Jerry can help you find a carrier who meets your needs by doing the hard work of comparison shopping for you—giving you quotes from a number of top providers quickly.
With so many carrier options to choose from in Centennial, finding one that offers the coverage you need at an affordable price is important.
USAA is a popular choice amongst Centennial residents. Other top providers include GEICO, State Farm, and Allstate. But finding the right provider for you will vary depending on your demographics, driving history, discount eligibility, and more.
Here’s what drivers pay with some of the most popular insurance providers in Centennial before and after switching with Jerry:
Insurance Company
Average Cost
Annual Savings with Jerry
Safeco$2,016$795Compare Prices
Progressive$1,633$559Compare Prices
Kemper$1,620$508Compare Prices
Dairyland$1,500$286Compare Prices
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What kind of car insurance you need in Centennial

In Centennial, drivers are required to carry the state’s mandated minimum liability insurance before they hit the road. This coverage helps to pay for other people’s expenses when you’re at fault in an accident, but it won’t cover you or your vehicle.
Drivers in Colorado must purchase minimum amounts of liability insurance before they can hit the road. You’ll need a car insurance policy with at least the following coverage:
If you’re ever involved in an accident or pulled over by law enforcement, you’ll need to show proof of insurance coverage. You’ll also need it to register your vehicle.
However, liability insurance coverage is just the minimum requirement, and it may not cover all your expenses in the event of an accident. While minimum liability insurance will be the cheapest policy, it’s generally suggested that drivers carry more than the baseline requirements and consider full-coverage insurance policies. Although full-coverage costs more upfront, purchasing more coverage can protect you from the financial burden of an expensive accident (aka, it could end up costing you less in the long run). Full-coverage car insurance policies generally include:
It’s generally a good idea to purchase more than the minimum liability insurance. Liability coverage protects others and their property if you cause an accident, but it won’t protect you and your vehicle.
Here are some additional coverages that drivers in Centennial might find helpful:
FactorRecommended coverageDescription
Forest fires and snowstormsComprehensive insuranceComprehensive insurance covers physical damage to your vehicle that isn’t the result of an accident, such as damage or loss from a forest fire or a severe winter storm.
Busy roadsCollision insuranceColorado has several densely populated areas with many drivers and a higher risk of accidents. Collision insurance covers physical damage to your car that happens as a result of a collision.
Mountain roadsRoadside assistanceRoadside assistance can be helpful if you’re driving on Colorado’s mountain roads and require help. This coverage can provide towing services, locksmith services, tire changes, and battery boosts.

What determines your car insurance cost in Centennial

Your zip code, provider, and type of policy you choose are just a few of the factors that go into determining your car insurance premiums.
Providers will consider your specific demographics when setting your rates, so you may find that your rates are different from someone who lives next door.
Here are the factors that play a part in determining your car insurance premiums.

Your age

Young drivers are thought of as high-risk drivers by most insurance companies. This is, in part, due to their lack of experience behind the wheel and their generally higher accident rates. As such, young drivers will have higher premiums than their older counterparts. If you’re a driver under 25 in Centennial, you could be paying as much as $136 more per month than an adult driver. These are average rates for Jerry customers in Centennial broken down by age:
Age Group
Average Cost
Annual Savings with Jerry
18-20$4,416$715
21-24$3,106$770
25-34$2,022$447
55-64$2,016$757
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Your driving record

Your driving record will have a big impact on your car insurance premiums. While one minor infraction—like a speeding ticket—won’t have a major impact on your rates, multiple small offenses or one major offense—like a DUI—can greatly impact what you pay each month for car insurance.
Providers will consider people with a history of previous driving infractions to be high-risk drivers and charge them more for car insurance accordingly.
Fortunately, Jerry can help drivers with poor driving records find affordable car insurance with the right provider. Here’s how much Jerry customers in Centennial with previous offenses saved on insurance:
Driving Violation
Average Cost
Annual Savings with Jerry
Clean Record$2,006$482
Speeding over 15$3,000$682
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Where in Centennial you live

It may seem like insurance rates in Centennial should be consistent across the board, but the neighborhood in which you live can also make an impact on your car insurance premiums.
Because accident rates and property crime rates vary within a city, auto insurance rates could be higher for different zip codes—even if they are in the same municipal area. Within Centennial, residents of 80112 and 80121 will have the most expensive car insurance rates, while people who live in 80122, 80015 and 80111 will pay the least.
Here’s a more specific breakdown of insurance prices for Jerry across Centennial:
Quote DateZip codeCarStateAgeInsurance Company
Before Jerry
After Jerry
April 20, 202180015Ford F150CO28Progressive$125/mo.$58/mo.
May 15, 202180112Jeep Wrangler Unlimited SportCO30Kemper$100/mo.$66/mo.
July 5, 202180015Honda Accord LXCO22Kemper$165/mo.$102/mo.
September 29, 202180121Hyundai Santa FE SECO26Progressive$160/mo.$135/mo.
July 11, 202180112BMW 330 XICO34Travelers$250/mo.$177/mo.
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Why is car insurance in Centennial so expensive?

A variety of considerations determine baseline car insurance rates in Centennial. Insurance companies often consider the following:
The price of insurance in Centennial is above both the state and national average and there are a number of factors that contribute to this.

Higher population density

Like other Colorado cities, Centennial is densely populated. More cars on the road generally mean more accidents, and this can lead to an increase in insurance rates in the area.

High number of uninsured drivers

There are a decent amount of uninsured drivers in Centennial, and insurance providers may see this as an added risk. They may raise their premiums as a result.

How can you save money on car insurance in Centennial?

Compare quotes from different providers

One of the best ways to save money on car insurance is by shopping around for quotes. Of course, taking the time to research different companies and fill out all the paperwork.
Let Jerry do the hard work for you! After a quick sign-up, Jerry will source quotes from over 50 insurance providers in seconds. Once you choose a policy, Jerry will take care of all of the changeover—including helping to cancel your old policy.

Look for discounts

Securing discounts is one of the easiest ways to save on your insurance in Centennial. Most providers offer discounts, and you can even try applying for multiple discounts to increase your savings.
Here are some common discounts available with insurance carriers in Centennial:
DiscountDescription
Multi-policyBundling multiple insurance products with the same provider, like home and auto, could get you a discounted rate on each one.
Safe driverIf you have at least five years free of claims, accidents, or major violations in Colorado, you may be eligible for a more affordable car insurance rate.
UsageUsing your insurer’s app or telematics device can net you serious savings. You’ll typically receive a small discount for enrolling and more significant savings as you exhibit safe driving behaviors.
Accident freeIf you’ve been accident free for three to five years, you’re likely eligible for a discount on your policy.
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