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2024

Last updated:

Best Local Car Insurance Agencies in Centennial

Our Recommended Top 11

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Centennial Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

73Reviewed

48Curated

11Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

8 West Dry Creek Circle, Littleton, CO 80120
WebsiteLicense: 553674

Expertise.com Rating

Review Sources

Google
4.9 (27)
Facebook
5.0 (11)
Yelp
1.0 (1)

Why choose this provider?

ToInsure.Me designs auto insurance programs customized to the needs of clients in the Centennial area. It helps its clients protect their assets through insurance coverage that meets their needs. The insurance policy may cover liability, collisions, and an uninsured motorist. The company was created to make it easier for clients to understand and get the most suitable policy in the insurance marketplace. It has a strong focus on remaining personable throughout the insurance process.

  • Multiple Carriers

7444 West Chatfield Avenue, Littleton, CO 80128
WebsiteLicense: 53579

Expertise.com Rating

Review Sources

Yelp
5.0 (1)

Why choose this provider?

Art Martinez is a State Farm insurance agent who has been in the industry since 1985. With 20 years of experience in serving the Centennial community, Martinez provides different car insurance options to clients. State Farm offers a wide range of policy coverages including auto insurance for teen drivers, insurance protection for rental cars, and insurance for sports cars. The personalized insurance options also include collision and comprehensive insurance coverages, which offer protection from damages caused by an accident or theft and natural disasters.

  • Multiple Carriers

8200 South Quebec Street, Centennial, CO 80112
WebsiteLicense: 109485

Expertise.com Rating

Review Sources

Google
4.9 (32)
Facebook
5.0 (2)

Why choose this provider?

Gregory D Peterson LLC is an independent insurance company handling auto insurance matters in Centennial and the neighboring areas. It offers a wide variety of auto insurance coverages such as medical payment, liability, collision, personal injury protection, roadside assistance, and rental reimbursement. The local business has agents on standby around the clock to respond to phone calls about insurance inquiries and concerns. It accommodates customers by appointment from Monday to Friday.

  • Multiple Carriers

7955 East Arapahoe Court, Centennial, CO 80112
WebsiteLicense: 135835

Expertise.com Rating

Review Sources

Google
4.9 (40)

Why choose this provider?

Centennial State Insurance Group is a car insurance agency located in Centennial. This privately held company has been providing its services in the area since 2002. It is an independent agency that represents numerous insurance companies such as Colorado Casualty, The Hartford, and Safeco. Its agents have a combined experience of over 24 years. They are offering auto policies with beneficial add-ons in case a vehicle is stolen or damaged by a car accident or fire.

  • Multiple Carriers

6970 South Holly Circle, Centennial, CO 80112
WebsiteLicense: 93570

Expertise.com Rating

Review Sources

Google
4.3 (6)

Why choose this provider?

Atrium Insurance Group is a car insurance agency based in Centennial that has been active in the industry for over 30 years. The company is committed to providing first-time car owners with car insurance to keep their vehicles properly protected and covered. Its team of agents offers coverage for liabilities and losses. Among the firm's carriers are Safeway Insurance and Bankers Insurance Group. Additionally, it also caters to clients in Arizona and California.

  • Bundling Option

4275 South Broadway, Englewood, CO 80113
WebsiteLicense: 295662

Expertise.com Rating

Review Sources

Google
5.0 (434)
Facebook
4.9 (46)

Why choose this provider?

Integrity First Insurance is an independent insurance company selling various insurance products, including auto insurance, to the people of Centennial and the surrounding areas. Partnered with more than 20 insurance carriers, the company’s agents, who have over 30 years of experience in the insurance industry, can source multiple quotes that will meet the specific needs, individual risks, and priorities of vehicle owners. In addition to providing standard auto insurance, Integrity First Insurance also offers classic car, motorcycle, and RV insurance.

  • Motorcyle & ATV

13111 East Briarwood Avenue, Centennial, CO 80112
WebsiteLicense: 105237

Expertise.com Rating

Review Sources

Google
4.2 (11)
Facebook
5.0 (4)
Yelp
5.0 (2)

Why choose this provider?

Alliance General Insurance Agency is a full-service insurance management company that has been serving the Centennial metro area and its neighboring localities for more than two decades. Operating since 2000, the firm has a variety of auto insurance solutions to protect individuals and businesses from potential losses. Its agents work with carriers to provide customized policies that may include bodily injury, medical payment, and comprehensive and collision coverages. Alliance General Insurance Agency is committed to offering dependable and trustworthy services to its clients.

  • Multiple Carriers

1745 Shea Center Drive, Highlands Ranch, CO 80129
WebsiteLicense: 284213

Expertise.com Rating

Why choose this provider?

MountainStorm is a locally owned and operated independent insurance agency servicing the Centennial community. It provides a variety of car insurance policy coverages. These protect drivers from financial losses caused by a vehicle accident or damages from fire, theft, and other covered events. The collision and comprehensive insurance coverages can be tailored according to the requirements of the clients. Services for insurance needs are available 24/7. The agency also offers umbrella insurance for additional liability protection.

  • Bundling Option
  • Motorcyle & ATV
  • Boats

9233 Park Meadows Drive, Lone Tree, CO 80124
WebsiteLicense: 264970

Expertise.com Rating

Review Sources

Google
5.0 (68)
Yelp
5.0 (36)
Facebook
4.9 (14)

Why choose this provider?

Lone Tree Insurance is an independent insurance agency that provides various insurance products in Centennial. Some of the insurance products they offer include auto, homeowners, motorcycle, life, condo, and renters coverage. The company has outlasted its local competitors by simply maintaining quality customer satisfaction. As an independent insurance agency, Lone Star Insurance is able to offer insurance coverage from several insurance companies, which they have partnered with. It aims to maintain its old-fashioned and personal touch approach in dealing with its clients.

  • Bundling Option

12835 East Arapahoe Road, Centennial, CO 80112
WebsiteLicense: 370777

Expertise.com Rating

Why choose this provider?

Integrity Insurance Alliance is an independent insurance agency based in Centennial that serves the car insurance needs of clients throughout the region. Insurance options for other vehicles such as RVs, ATVs, motorcycles, golf carts, and boats are also available. In the industry since 1990, the agency represents a network of insurance carriers and offers a list of insurance products and services that are customized for each client's specific needs and preferences.

  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

7383 South Alton Way, Centennial, CO 80112
WebsiteLicense: 137549

Expertise.com Rating

Review Sources

Google
4.8 (210)
Facebook
5.0 (21)
Yelp
3.0 (4)

Why choose this provider?

Established in 2002, Compass Insurance Group is an insurance agency based in Centennial that helps vehicle owners secure auto insurance policies. Representing many reputable international insurance carriers, it provides clients with multiple quotes to give them options to choose from, based on their needs, expectations, and priorities. Unlike other states where drivers are legally obliged to have collision and comprehensive coverage, Colorado only requires liability. Clients may opt to add more protection to their plan.

  • Multiple Carriers

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Will you pay more to insure your car in Centennial if you are single?

    No, single drivers in Centennial pay an average of $1,643 per year for car insurance. This is comparable to what married people pay. Insurance premiums are typically affected by marital status, with married policyholders regarded as low-risk in general due to their finances and safe driving behavior. Divorced and widowed drivers in the city pay higher annual premiums of approximately $1,759 and $1,685.

  • How much will you save on your Centennial car insurance if you can raise your credit rating from good to exceptional?

    If you achieve this, you could save $312 per year on your car insurance premium. Annual insurance rates for Centennial residents with scores of 800 to 850, which is considered exceptional, are around $1,447. Keep in mind that your payment history accounts for 40% of your credit score. To improve your rating, make sure you are never even one day late on your payments. Maintaining a low credit card balance—specifically, less than 10% of available credit—can also be beneficial.

  • Should you carry more than the minimum required car insurance coverage in Centennial?

    If your finances allow it, you should think about getting a policy with higher limits than what Centennial requires. According to state law, you must have 25/50 bodily injury liability coverage: $25,000 and $50,000 per person and per accident, respectively, as well as $15,000 property damage liability per occurrence. Financial experts advise, however, that you increase your liability coverage to at least $100,000 per person and $300,000 per accident.

  • How can umbrella insurance help you if your car crashes with another vehicle in Centennial?

    If you are in an accident in Centennial and your auto insurance liability is insufficient to cover the expenses, umbrella coverage can help. Assume the other party sustains serious injuries, such as a traumatic brain injury, as a result of the accident and requires $2 million to recover. Even $300,000 in bodily injury coverage would be insufficient. Umbrella insurance can help in this situation. It will serve as an additional financial safeguard.

  • Is automobile self-insurance allowed in Centennial?

    Yes, as long as the Centennial resident owns more than 25 vehicles, self-insurance is permitted. Self-insurance is an option for those looking for a low-cost way to insure their vehicles while still meeting state requirements. Individuals interested in applying should contact the Colorado Department of Regulatory Agencies' Division of Insurance. The Insurance Commissioner will determine whether or not the applicant is financially viable. Self-insured business owners will be expected to follow industry regulations once certified.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.