Car Insurance in Centennial, Colorado
Estimated full coverage in Centennial runs about $2,015 a year ($168/month) — ▲ +11% versus the Colorado average, ranking 5th most expensive of the 13 Colorado cities we cover.
Why car insurance in Centennial costs more than the Colorado average
Insurers price by territory, and Centennial's numbers explain most of the gap. With 108,853 residents on 30.2 square miles, the city's density (3,610 people per square mile) is 5.6 times the density where the typical Colorado resident lives (640). The average commute is 25.9 minutes (Colorado: 25.2), and 64% of workers drive alone. Together these put our location factor at 1.11× the state baseline for liability and collision.
| Factor | Centennial | Colorado ref. | Why it matters |
|---|---|---|---|
| Population density | 3,610 / sq mi | 640 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 25.9 min | 25.2 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 5.4% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 63.6% | — | Share of workers commuting by car. |
| Public transit to work | 0.9% | — | Transit use lowers how much residents drive. |
| Work from home | 26.9% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 2.9% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 96.2 | 94.7 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Centennial
Rates can change from one ZIP code to the next. Across 5 Centennial ZIP codes, our full-coverage estimate ranges from $1,895 in 80112 to $2,100 in 80015. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 80015 | 72,316 | 4,446 | 29.8 min | 1.9% | $2,100 | +4% |
| 80016 | 68,268 | 2,113 | 28.7 min | 1.7% | $2,005 | 0% |
| 80112 | 36,816 | 2,063 | 21.9 min | 4.5% | $1,895 | −6% |
| 80122 | 32,195 | 4,526 | 24.9 min | 3.0% | $2,020 | 0% |
| 80121 | 18,029 | 2,500 | 24.7 min | 4.7% | $1,960 | −3% |
Minimum car insurance in Centennial
Centennial drivers follow Colorado's rules: at least 25/50/15 liability coverage. Colorado is at-fault (tort). We estimate state-minimum coverage in Centennial at $720 a year, and $1,045 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $15,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | No | — Colorado does not require personal injury protection. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured/underinsured motorist coverage is included in the policy unless the named insured rejects it in writing; uninsured motorist property damage is optional. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Included together with uninsured motorist coverage unless rejected in writing. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | $5,000 Medical payments coverage of $5,000 is included unless the named insured rejects it. | Medical bills for you and your passengers |
Risk factors that shape Centennial premiums
Accidents
Colorado recorded 689 traffic deaths, or 1.25 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Colorado's vehicle theft rate is 305 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Arapahoe County as very high for hail, relatively moderate for inland flooding and relatively high for strong wind.
Traffic & commuting
5.4% of Centennial commuters spend an hour or more getting to work, and there are 2.04 vehicles per household. 26.9% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 99.8 | Comprehensive (car); roof claims (home) | |
| Tornado | 97.2 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 92.5 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 95.1 | Comprehensive; dwelling | |
| Winter weather | 91.1 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Centennial by driver profile
A clean-record driver in their 50s pays the least in our Centennial model (about $1,855 for full coverage); an 18-year-old on their own policy pays about $5,540, and a DUI pushes a 30-something to $3,725.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,985 | $2,875 | $5,540 | $462 |
| Young adult (22) | $1,155 | $1,675 | $3,225 | $269 |
| Adult in their 30s | $720 | $1,045 | $2,015 | $168 |
| Adult in their 50s | $665 | $960 | $1,855 | $155 |
| Senior (72) | $810 | $1,170 | $2,255 | $188 |
| 30s, one at-fault accident | $1,045 | $1,515 | $2,920 | $243 |
| 30s, DUI on record | $1,335 | $1,935 | $3,725 | $310 |
Minimum vs. standard vs. full coverage in Centennial
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $720 | $60 | $590–$850 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $1,045 | $87 | $855–$1,235 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $2,015 | $168 | $1,650–$2,375 |
Estimate your premium in Centennial
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Cheap car insurance in Centennial: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Centennial's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $135 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $140 | You're among the 26.9% of Centennial workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $535 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $970 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $440 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Centennial
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 76 offices listed below.
- Check complaint records with the Colorado Division of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Centennial, our estimates differ by up to $205 a year between neighborhoods.
Car insurance agents near Centennial, CO
We found 76 insurance offices within about 4 miles of central Centennial, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Kathy Wells Ins Agency Inc
7173 S Havana St, Centennial, CO 80112 -
Allstate
CO -
Korine Jones - Farmers Insurance
10800 E. Geddes Ave., Englewood, CO 80112 -
Jason Sash - American Family Insurance
6801 S Emporia St, Ste 208, Greenwood Village, CO 80112 -
Beth Bales - State Farm
6635 S Dayton St, Suite 320, Greenwood Village, CO 80111 -
Yan Shao - Farmers Insurance
67 Inverness Dr E, Unit C-1, Englewood, CO 80112 -
Inszone Insurance Services
12150 East Briarwood Avenue, #120, Centennial, CO 80112 -
Mike McFarlin - Allstate
12200 E Briarwood Ave, Unit 280, Centennial, CO 80112 -
Farmers Insurance
12200 East Briarwood Avenue, #240, Centennial, CO 80112 -
Scott Edward Oldham - Farmers Insurance
88 Inverness Cir E, Englewood, CO 80112 -
State Farm
12201 East Arapahoe Road, #A12, Centennial, CO 80112 -
Eric Anthony Davis - Farmers Insurance
7200 S Alton Way, Centennial, CO 80112 -
Mitchell Wettstein - Allstate
88 Inverness Cir E, Unit J106, Centennial, CO 80112 -
Jeff Champine Agency Inc
88 Inverness Cir E, Unit N108, Englewood, CO 80112 -
Srinivasa Doddapaneni - American Family Insurance
6436 S Racine Cir, Ste 112, Centennial, CO 80111 -
Kirsch Insurance
12625 East Euclid Drive, Centennial, CO 80111 -
Ben Davis - State Farm
6901 S Yosemite Street, Suite 210, Centennial, CO 80112 -
Harbor Peaks Agency
6551 S Revere Pkwy, Centennial, CO 80111 -
Aaron J. Perea Agency Inc
12835 E Arapahoe Rd, Ste 1-880, Centennial, CO 80112 -
Jennifer Feld - Allstate
12835 E Arapahoe Rd, Ste 150, Centennial, CO 80112 -
Jolene Ann Johnson - Farmers Insurance
14 Inverness Dr E, Englewood, CO 80112 -
Pam Buckland - State Farm
14 Inverness Dr E H236, Englewood, CO 80112 -
Giovanni Antonio Parisi - Farmers Insurance
9200 E Mineral Ave, Centennial, CO 80112 -
Michael Desimone - Allstate
9200 E Mineral Ave, Ste 100, Centennial, CO 80112 -
Allstate
13275 East Fremont Place, #240, Centennial, CO 80112 -
Erik E Cook - Farmers Insurance
7009 S Potomac St, Centennial, CO 80112 -
Erick Santizo Agency LLC
14 Inverness Dr E, Ste A216, Englewood, CO 80112 -
Steven Jon Azar - Farmers Insurance
8085 S Chester St, Centennial, CO 80112 -
Marcy Smith - Allstate
7009 S Potomac St, Ste 101, Centennial, CO 80112 -
Jeffrey D Schacher - Farmers Insurance
8310 S Vly Hwy, Englewood, CO 80112 -
Farmers Insurance - Troy Gardner
7955 East Arapahoe Road, Centennial, CO 80112 -
Lucy Buck State Farm Insurance
8745 East Orchard Road, #511, Greenwood Village, CO 80111 -
James R Sulhoff Agency LLC
385 Inverness Pkwy, Ste 380, Englewood, CO 80112 -
Michael McNerney - Farmers Insurance
385 Inverness Pkwy, Englewood, CO 80112 -
Garrett Willam Luke - Farmers Insurance
327 Inverness Dr S, Englewood, CO 80112 -
Robert S Hoery - Farmers Insurance
8000 E Maplewood Ave, Greenwood Village, CO 80111 -
Hughes Agency L.L.C.
7500 E Arapahoe Rd, Ste 295, Centennial, CO 80112 -
Dean Putnam - Farmers Insurance
7400 E Arapahoe Rd, Centennial, CO 80112 -
Matthew Ditzenberger - American Family Insurance
5750 Dtc Pkwy, Ste 130, Greenwood Village, CO 80111 -
Allstate
East Arapahoe Road, , CO 80112
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Centennial
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,520 | −25% |
| Subaru Outback | Wagon | $1,530 | −24% |
| Tesla Model 3 | Midsize car | $2,060 | +2% |
| Subaru Forester | Small SUV | $1,500 | −26% |
| Honda Civic | Compact car | $2,255 | +12% |
| Toyota Corolla | Compact car | $2,125 | +5% |
| Jeep Wrangler | Midsize SUV | $1,660 | −18% |
| Mazda CX-5 | Small SUV | $1,685 | −16% |
| MINI Cooper | Subcompact car | $1,520 | −25% |
| Tesla Model Y | Midsize SUV | $1,855 | −8% |
Car insurance in nearby Colorado cities
- Aurora $2,020/yr · 10 mi
- Denver $2,030/yr · 12 mi
- Lakewood $2,005/yr · 15 mi
- Arvada $2,000/yr · 19 mi
- Thornton $2,105/yr · 20 mi
- Westminster $2,030/yr · 23 mi
- Boulder $1,880/yr · 36 mi
- Longmont $1,980/yr · 42 mi
- Colorado Springs $1,915/yr · 50 mi
- Greeley $1,935/yr · 57 mi
- Fort Collins $1,875/yr · 67 mi
- Pueblo $1,815/yr · 92 mi
All Colorado cities and state rules · Homeowners insurance in Centennial
Frequently asked questions
How much is car insurance in Centennial, CO?
We estimate full coverage in Centennial at about $2,015 a year ($168 a month) for a driver in their 30s with a clean record, and about $720 for Colorado's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Centennial more expensive than the Colorado average?
Our Centennial estimate is 11% higher than the statewide figure. The model reflects a population density of 3,610 people per square mile (the typical Colorado resident lives at about 640) and an average commute of 25.9 minutes versus 25.2 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Centennial?
Drivers in Centennial follow Colorado law: at least 25/50/15 liability coverage.
Which ZIP code in Centennial has the cheapest car insurance?
Among Centennial's 5 ZIP codes, 80112 has the lowest estimate (about $1,895 a year for full coverage) and 80015 the highest (about $2,100), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Centennial?
An 18-year-old with their own full-coverage policy would pay around $5,540 a year in Centennial by our estimate ($1,985 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Centennial?
Yes. FEMA's National Risk Index rates Arapahoe County for hail (very high) and tornado (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Centennial?
We list 76 insurance offices in and around Centennial, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Colorado Division of Insurance: Auto Insurance
- Colorado DMV: SR-22 and Insurance Information
- Colorado DMV: Suspension and Reinstatement FAQs
- Colorado Division of Insurance: Premium Comparison Reports
- Colorado Division of Insurance: File a Complaint
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Centennial and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places