Centauri Auto Insurance Review (2024)

Our Centauri auto insurance review will cover everything you need to know about this company and its offered policies. Since 2006, Centauri Insurance has provided specialty property insurance to homes and businesses in the Gulf Coast region and Hawaii. Centauri auto insurance is not an available coverage option for sale from the company.

UPDATED: Feb 14, 2024Fact Checked

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...

Licensed Insurance Agent

UPDATED: Feb 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Feb 14, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 14, 2024Fact Checked
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Centauri Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

N/A

Complaint level:

High

Pros

  • Centauri Insurance is a property and casualty insurance company that began operating in 2006.
  • Centauri does not currently sell auto insurance policies.

Cons

  • Centauri auto insurance is not an available coverage option for sale from the company.
  • Centauri Insurance is a regional carrier operating only in the Gulf Coast and Hawaii.

Final Verdict: Review of Centauri Insurance

Residents of the Gulf Coast region and Hawaii are familiar with the annual risks of hurricane season, and many have found a reliable property and casualty insurance provider in Centauri Insurance Company.

Centuari home insurance has been so reliable that many homeowners are even wondering about purchasing car insurance. Can Centauri auto insurance coverage be added to an existing home insurance plan?

Unfortunately, Centauri auto insurance company is not a division of the specialty insurance company. Centauri remains focused on disaster- and weather-related claims for homes and businesses.

Residents may have to look elsewhere to find the best companies for car insurance, but our Centauri Auto Insurance review will still help explain any lingering auto insurance questions in full, as well as provide a rundown of the contact info, claims process, and quote options for the Centauri Specialty Ins. Co.

Were you hoping to buy Centauri auto insurance? Since you won’t be getting any Centauri auto insurance quotes, why not try out our free online quote option to find the best rates right nod.

[su_box title="Things to Remember" style="default”]
  • Centauri Insurance is a property and casualty insurance company that began operating in 2006.
  • Centauri auto insurance is not an available coverage option for sale from the company.
  • Centauri Insurance is a regional carrier operating only in the Gulf Coast and Hawaii.
[/su_box] Residents of the Gulf Coast region and Hawaii are familiar with the annual risks of hurricane season, and many have found a reliable property and casualty insurance provider in Centauri Insurance Company. Centuari home insurance has been so reliable that many homeowners are even wondering about purchasing car insurance. Can Centauri auto insurance coverage be added to an existing home insurance plan? Unfortunately, Centauri auto insurance company is not a division of the specialty insurance company. Centauri remains focused on disaster- and weather-related claims for homes and businesses. Residents may have to look elsewhere to find the best companies for car insurance, but our Centauri Auto Insurance review will still help explain any lingering auto insurance questions in full, as well as provide a rundown of the contact info, claims process, and quote options for the Centauri Specialty Ins. Co. Were you hoping to buy Centauri auto insurance? Since you won't be getting any Centauri auto insurance quotes, why not try out our free online quote option to find the best rates right nod.

What You Should Know About Centauri Insurance Co.

Centauri is a specialty insurance company that built its business on selling hurricane and disaster-related property and casualty insurance in Hawaii.

Centauri now sells insurance in Louisiana, Mississippi, Alabama, Florida, Hawaii, Texas, and South Carolina, but can motorists in these states purchase a Centauri auto insurance policy?

Centauri does not currently sell auto insurance polices, and it does not look like they will deviate from  hurricane-related coverage into the auto insurance market anytime soon. We recommend interested parties look to a third party auto insurance company to find affordable prices on different types of auto insurance coverage.

How long has Centauri Insurance been in business? According the the Centauri Insurance wiki corporate page, Centauri Specialty Insurance Company filed as a domestic for profit corporation in Florida in 2006.

Though the company originated in Florida, it found the area financially unsound to offer insurance policies at its start and by 2012 had already successfully made a name for itself by selling hurricane policies for at-risk homes in Hawaii.

After establishing themselves as a reliable insurance company, Centauri continued its expansion of operations to include Florida and other states in the Gulf Coast region.

Who owns Centauri Insurance?

Ricardo A. “Rick” Espino is the active President, CEO, and main shareholder of Centauri Specialty Insurance Holdings and its subsidiaries. Espino maintains overall operational and strategic management responsibilities for the entire suite of Centauri companies.

Where is Centauri Insurance located?

The physical address for Centauri insurance is 4081 Lakewood Ranch Blvd, Suite 200, Sarasota, FL, 34240.

Does Centauri Insurance have agents?

The property and casualty insurance company does have agents who can be reached online or by calling the Centauri Insurance phone number at 1-866-318-4113.

Centauri Insurance customer service representatives will be happy to answer any of your property insurance questions as well as directing you to a local Centauri Insurance agent.

The majority of Centauri Insurance jobs, however, are not directly associated with the company. The company operates through independent agents across each state which means you’ll have to eventually contact your local Centauri office to find out what Centauri offers.

How do I file a claim with Centauri Insurance?

In the United States, over the 20-year period from 1997 to 2016, hurricanes and tropical storms were the second-largest cause of catastrophic loss, accounting for 38.2 percent of all damages.

It’s obviously important if you’re living in an at-risk area like the Gulf Cost region or Hawaii that you find an insurance provider with an easy, open and shut claims process to better protect your home or business from tropical storm damages.

You won’t find any information on how insurance claims for car accidents work with Centauri Insurance, as the company only offers property insurance for homes and businesses.

Storm-related loss or damage to a vehicle would be the only scenario that may involve auto damage coverage with a Centauri policy, but this is unlikely.

Customers can file Centauri Insurance claims online or by contacting the company’s customer service representatives who are available 24 hours a day, 365 days a year to answer calls.

  • Homeowners Claims
    Phone: 1-866-789-4228 (Hawaii)
    Phone: 1-866-215-7574 (all other states)
    Email: [email protected]
  • Flood Claims
    Phone: 1-888-481-1141
  • Business Owners/Commercial Claims
    Phone: 1-866-789-4228
    Email: [email protected]

Most of Centauri’s operations can be accessed online, including employee operations; the company has Centauri insurance agent login portals conveniently located on its site to better facilitate communication between agent and client.

The entire online process is essential to a company made up of independent agents helping to facilitate quick Centauri Insurance payments for any filed claim.

Although you won’t yet be picking your Centauri Insurance avatar, the company has created a tool set that mixes personal agent interaction with an increased online presence.

The Centauri Insurance cancellation policy is not as efficient, as it does not allow for online cancellation of policies; the company asks policyholders to contact agents with at least 30 days notice for cancelled policies.

A Centauri Insurance refund status would also need to be discussed with your personal agent or broker in the event of cancellation.

Are Centauri Insurance reviews favorable when it comes to the claims process?

The consumer watchdog agency the Better Business Bureau (BBB) rates Centauri Insurance somewhat favorably with an A grade for overall customer satisfaction.

The Centauri Insurance complaints as recorded by the National Association of Insurance Commissioners (NAIC) are not so glowing, however. The company’s complaint index score is one of the highest, sitting at a 2.81. The national average is one, so Centauri is getting a significantly higher number of complaints compared to other insurance companies.

How do I get a quote from Centauri Insurance?

Centauri Insurance quotes cannot currently be found online. Potential customers interested in quotes would have to find a local agent and discuss options for property and casualty insurance in person.

Since you can’t find an auto insurance quote, or any quote for that matter, online through Centauri, you should try out our free online quote option. Type in your ZIP code and you’ll receive detailed quotes from multiple auto insurance companies in no time. It’s that simple.

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Centauri Insurance Co. Insurance Rates Breakdown

Centauri Insurance news probably won’t involve automotive coverage unless a hurricane sweeps through destroying every vehicle in a car dealership lot. But so as not to leave you empty handed, we’ve gone ahead and included some average estimates for auto insurance rates by state in the table below.

Comprehensive Auto Insurance Monthly Rates by State
StateRates
Alabama$12
Alaska$12
Arizona$15
Arkansas$15
California$8
Colorado$13
Connecticut$11
Delaware$9
District of Columbia$19
Florida$9
Georgia$13
Hawaii$8
Idaho$9
Illinois$10
Indiana$10
Iowa$14
Kansas$19
Kentucky$11
Louisiana$17
Maine$8
Maryland$12
Massachusetts$11
Michigan$12
Minnesota$14
Mississippi$16
Missouri$14
Montana$17
Nebraska$17
Nevada$10
New Hampshire$9
New Jersey$10
New Mexico$14
New York$13
North Carolina$10
North Dakota$19
Ohio$9
Oklahoma$17
Oregon$7
Pennsylvania$11
Rhode Island$10
South Carolina$14
South Dakota$19
Tennessee$11
Texas$16
Utah$9
Vermont$10
Virginia$11
Washington$9
West Virginia$16
Wisconsin$11
Wyoming$19
U.S. Average$12

These average rates for comprehensive auto insurance will help give you a rough estimate of what you might spend on auto coverage and looking over them is one of the best ways to start comparison shopping auto insurance rates.

Even if hurricanes are your major concern for property damage in the Gulf Coast region, drivers should also remember the importance of maintaining auto insurance coverage through safe driving practices; even a single car accident can have an impact on your auto insurance rates, as this table below shows:

Average Annual Auto Insurance Rates by Driving Record
CompaniesAverage Annual Rates With a Clean Driving RecordAverage Annual Rates With 1 AccidentAverage Annual Rates With 1 DUIAverage Annual Rates With 1 Speeding Violation
USAA$1,858.11$2,737.39$3,224.03$2,132.96
State Farm$2,561.35$2,934.63$3,462.47$2,561.35
Geico$2,769.60$3,651.43$3,061.96$3,570.55
Nationwide$3,351.99$3,351.99$4,977.19$3,789.11
Progressive$4,066.74$5,258.36$4,753.00$4,581.27
Allstate$4,270.52$6,562.28$6,837.95$4,270.52
American Family$4,418.84$5,627.66$4,931.37$4,418.84

It’s important to reiterate to readers that these averages are not for any form of auto insurance from Centauri Insurance.

Centauri Insurance wisely continues to put its primary focus on hurricane coverage, and residents of the Gulf Coast and Hawaii would be just as wise to seek out an insurance company that has specialized in hurricane coverage for as long as Centauri has been in business.

According to the Congressional Budget Office, expected annual economic losses from hurricane caused damages total on average from $34-$54 billion in losses to households, $9 billion to commercial businesses, and $12 billion to the public sector.

Centauir is mainly based in states where hurricane damage is common and insurance options are in high demand. The company does offer basic homeowners policies in addition to hurricane policies, which widens its customer base.

The video below explains some of the basics of hurricane coverage.

Given the complexities and financial strain of hurricanes on the insurance industry, financial stability is key to insurance companies specializing in disaster-related coverage. So what is the financial Centauri Insurance rating?

A.M. Best, the top credit ranking agency in the insurance industry, does not generally rate specialty or regional insurance companies. As a result, the Centauri Insurance A.M. Best rating is currently unrated.

Demotech, a smaller credit ranking agency that specializes in rating the financial stability of regional carriers, rates Centauri Insurance as financially stable with an A ranking.

Frequently Asked Questions

Is Centauri Insurance a real company?

Centauri Insurance is a real company; information about the company, however, can be scarce since it’s a regional specialty company that focuses on property and casualty insurance for hurricane damage.

Does Centauri homeowners insurance cover tornado damage?

Centauri homeowners insurance would cover any damage to the physical structure that was caused by wind; this should account for tornado damage, but policyholders should speak with their Centauri agent directly to discuss what exactly is covered under storm damage policies.

Is there a Centauri Insurance equipment breakdown policy?

Centauri Insurance’s homeowners Equipment Breakdown Insurance covers claims for home equipment systems and property loss due to mechanical or electrical breakdown.

What is Centauri Auto Insurance?

Centauri Auto Insurance is an insurance company that specializes in providing coverage for personal automobiles. They offer a range of insurance products and services designed to protect drivers and their vehicles against potential risks and accidents on the road.

What types of auto insurance coverage does Centauri offer?

Centauri Auto Insurance offers various types of coverage to meet different customer needs. Some of the common coverage options include liability coverage, collision coverage, comprehensive coverage, uninsured/underinsured motorist coverage, medical payments coverage, and personal injury protection (PIP) coverage.

How can I obtain a quote for Centauri Auto Insurance?

To obtain a quote for Centauri Auto Insurance, you can visit their official website or contact their customer service directly. They typically require information such as your personal details, vehicle information, driving history, and coverage preferences to provide an accurate quote.

Are there any discounts available with Centauri Auto Insurance?

Yes, Centauri Auto Insurance offers various discounts to help customers save on their premiums. These discounts may include safe driver discounts, multi-policy discounts (if you have multiple policies with Centauri), good student discounts (for eligible students), anti-theft device discounts, and more. The availability of discounts may vary based on your location and specific policy.

How can I file a claim with Centauri Auto Insurance?

In the event of an accident or any other covered incident, you can file a claim with Centauri Auto Insurance by contacting their claims department. They will guide you through the process and provide the necessary forms and instructions. It’s important to report the incident as soon as possible to ensure a smooth claims process.

Brad Larson

Licensed Insurance Agent

Brad Larson has been in the insurance industry for over 16 years. He specializes in helping clients navigate the claims process, with a particular emphasis on coverage analysis. He received his bachelor’s degree from the University of Utah in Political Science. He also holds an Associate in Claims (AIC) and Associate in General Insurance (AINS) designations, as well as a Utah Property and Casual...

Licensed Insurance Agent

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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