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Get Cheap Car Insurance in Centennial Hills, Las Vegas, NV

We monitor insurance prices, helping the average driver in Centennial Hills save up to 36.3% on car insurance.

 

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The Cheapest Minimum Coverage in Centennial Hills

The chart below shows the cheapest car insurance company in Centennial Hills for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Progressive, Geico, and Safeco Insurance.

 
Centennial Hills Insurer Monthly Cost
State Farm $70
Progressive $91
Geico $91
Safeco Insurance $98

Savings for Every Kind of Centennial Hills Driver

The table shows how much the average auto insurance customer in Centennial Hills might save by following our recommendations.

Based on our extensive insurance data, we know the average Centennial Hills driver will save about 23% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $543 per year by choosing the right vehicle insurance company. Some Centennial Hills residents are paying out over $2,382 extra every year for auto insurance in Centennial Hills. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Centennial Hills, Las Vegas, NV Savings / Yr.
Drivers with good records
$543
Drivers with accidents
$733
Drivers with speeding tickets
$412
Drivers with a DUI conviction
$1,020
Young drivers
$3,049
Married drivers
$699
Drivers with bad credit
$990

Centennial Hills Car Insurance vs. Las Vegas

People living in Centennial Hills pay an average of 5.77% more than the typical driver in the state. The average driver in Centennial Hills can expect to pay about $1,217 per year, or $2,382 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Centennial Hills for most people.

Car Insurance Prices by Centennial Hills Neighborhood

Centennial Hills, Las Vegas, NV map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Centennial Hills?

The map shows insurance prices in and around Centennial Hills, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $290 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,503 to a low of $2,213. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the South parts of Centennial Hills.

Pick the Best Car Insurance Company for You in Centennial Hills

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Centennial Hills insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Centennial Hills

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $543 over the average Centennial Hills car insurance company.

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We use the average good driver, paying $153 per month, as our baseline for pricing in Centennial Hills. State Farm, Progressive, and Travelers are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Centennial Hills drivers with accidents on their records

In Centennial Hills getting into an accident will raise premiums an average 33% for a yearly cost of $3,568. That's $1,186 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, Progressive, and Travelers are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $733 over the competition.

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The best car insurance company for Centennial Hills drivers with speeding tickets

>Progressive gave the average person with a speeding ticket the most savings, averaging $412 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Centennial Hills, tickets raise premiums on new quotes about $582. If you have a speeding ticket, we recommend State Farm, Progressive, and Travelers for savings that beat the average insurance cost of $2,964 per year.

The best auto insurance for Centennial Hills drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $3,759 per year in auto insurance premiums, which was $1,377 more than a driver with no major issues. State Farm, Progressive, and Allstate penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $1,020 less each year.

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The least expensive car insurance company for new and young drivers in Centennial Hills

In Centennial Hills, State Farm costs young drivers $3,049 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 72% more for insurance than more mature drivers in Centennial Hills. With an average cost of $8,389 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, Geico, and AAA try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Centennial Hills

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $182. State Farm, Geico, and Progressive provided the largest discounts to couples living in Centennial Hills.

State Farm gave the largest car insurance discounts to married couples, averaging $699 saved each year compared to an average Centennial Hills couple's premiums.

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The cheapest car insurance in Centennial Hills for drivers with bad credit

People with poor credit saved an average of $990 with State Farm.

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Many people are surprised that their poor credit score can cost them an average of $1,150 every year. Premiums for people with poor credit were about $3,532 in Centennial Hills. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from State Farm, Progressive, and Safeco Insurance.

The best Centennial Hills car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Centennial Hills, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks American Family Insurance as the best provider in Centennial Hills.

Nationwide was the best company for customer service in Centennial Hills according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Centennial Hills, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Centennial Hills. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Centennial Hills

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 34% of Centennial Hills residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Centennial Hills driver can expect to pay about $145 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Centennial Hills, USAA has the best prices for married couples, good drivers, young drivers, drivers with a DUI conviction, drivers with accidents, drivers with bad credit, and drivers with speeding tickets.
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Auto Insurance Prices in and Around Centennial Hills

What Influences the Cost of Car Insurance in Centennial Hills?

On average, car insurance in Centennial Hills is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Centennial Hills is 32 minutes, which is far more than average for a driver in the city.
  • Nevada state insurance regulations may require higher prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Centennial Hills are higher than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of A according to CrimeGrade.org.
  • Centennial Hills is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Centennial Hills is $101 per month for minimum coverage and $198 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Centennial Hills driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Centennial Hills with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.