Centennial drivers pay an average of $2,335/year — $564 more than the national average. With 1,315 crashes per year and a 2.9 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $811/year.
(888) 217-6781Estimated full coverage auto insurance rates for Centennial, CO from top carriers. Rates are adjusted for Centennial's 1,315 annual crashes, 2.9 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| USAA ⭐ | $777 | $129/mo |
| GEICO | $887 | $148/mo |
| Progressive | $997 | $166/mo |
| American Family | $1,046 | $174/mo |
| State Farm | $1,089 | $181/mo |
Estimates based on 2026 rate filings for ZIP 80112. USAA is cheapest at ~$129/mo. Actual rates vary by driver profile and exact Centennial location.
These Centennial-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Centennial, CO. Takes under 2 minutes.
(888) 217-6781Centennial is a mid-size city in Colorado with a population of 108,418. While it avoids the extreme congestion of larger metros, Centennial has its own risk factors — growing commuter traffic, expanding development, and hailstorms, blizzards, ice, mountain driving hazards — that shape local auto insurance rates. Drivers in Centennial typically pay close to the Colorado state average, with significant variation by ZIP code and neighborhood.
For official Colorado insurance regulations, visit the Colorado Division of Insurance. For driver licensing, see the Colorado DMV.
Your specific ZIP code within Centennial can swing your premium by hundreds of dollars. Here's how rates compare across Centennial neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 80124 | Centennial South Side | $2,184/yr | $182/mo |
| 80114 | Centennial North Side | $2,218/yr | $185/mo |
| 80132 | Centennial West Side | $2,270/yr | $189/mo |
| 80118 | Centennial East Side | $2,385/yr | $199/mo |
| 80112 | Centennial Downtown/Central | $2,564/yr | $214/mo |
The cheapest ZIP is 80124 (Centennial South Side) at $2,184/yr. The most expensive is 80112 (Centennial Downtown/Central) at $2,564/yr — a $380/year difference for the same driver.
Your Centennial ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Centennial. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,904/yr | $409/mo | +110% vs avg |
| Young Adult (20-25) | $3,269/yr | $272/mo | +40% vs avg |
| Adult (26-35) | $2,335/yr | $195/mo | 0% vs avg |
| Mid-Career (36-50) | $2,055/yr | $171/mo | -12% vs avg |
| Senior (51-65) | $1,938/yr | $162/mo | -17% vs avg |
| 65+ | $2,078/yr | $173/mo | -11% vs avg |
Teens in Centennial pay an average of $4,904/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,938/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Colorado cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Centennial drivers can save up to $811/year. ZIP 80124 (Centennial South Side) has the lowest rates starting at $2,184/yr.
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