call

Covington Car Insurance

How much does car insurance cost in Covington, KY? Check out the average rates that drivers pay below.

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Covington?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Kentucky has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Covington typically pay around $102.98 per month compared to the national average of $134.05 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.05
Kentucky $134.75
Covington, Kentucky $102.98

Covington, KY Best Car Insurance Companies

car insurance in Covington

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, State Farm generally has the most affordable car insurance in Covington coming in around $85.61 per month. Other companies to consider if you live in Covington is USAA with an average cost of $87.28 per month and Kentucky Farm Bureau which typically runs around $113.38 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Covington.

RankCompanyAverage Monthly RateComparison State Average
1 State Farm $85.61-36.46%
2 USAA $87.28-35.23%
3 Kentucky Farm Bureau $113.38-15.86%
4 Motorists Mutual $117.28-12.97%
5 Cincinnati Insurance $124.21-7.82%
6 Travelers $129.24-4.09%
7 Westfield $129.95-3.56%
8 Electric $134.05-0.52%
9 Nationwide $135.210.34%
10 State Auto $151.5112.44%

How Much is Car Insurance in Covington, KY?

how much is auto insurance in Covington

Rates can vary from city to city. The residents of Covington typically pay $102.76 per month while people who live in Frankfort will pay $136.88 per month on average. See what people pay for car insurance in other cities in Kentucky.

Kentucky CitiesMonthly Average Rate
Covington $102.76
Frankfort$136.88
Lexington $120.22
London$134.20
Louisville $159.26

Cheap Car Insurance in Covington by Zip Codes

find cheap auto insurance in Covington

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Kentucky. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Covington, KY ZIP CodeAverage Monthly Rate
41011$105.73
41014$96.60
41016$99.83

Car Insurance Rates by Driver's Age Group in Covington

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $159.45 per month in Covington. Compare that to drivers in their 30’s who typically pay around $98.47 per month drivers in their 40s at $87.80 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$159.45
20s$134.19
30s$98.47
40s$87.80
50s$86.16
60s$78.92
70+$89.76

Cheapest Insurance for Teenage Drivers in Covington

If you are teen in Covington you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $89.42 per month. This is likely the most affordable option in Covington. You might also want to consider State Farm and Kentucky Farm Bureau who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$89.42
State Farm$146.00
Kentucky Farm Bureau$154.67
Nationwide$167.08
Cincinnati Insurance$177.00

Cheapest Insurance for 20 Year-olds in Covington

20 year-olds in Covington might want to consider USAA who, on average, offers car insurance rates around $115.11 per month. State Farm , Motorists Mutual , Nationwide and Cincinnati Insurance are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$115.11
State Farm$119.94
Motorists Mutual$169.23
Nationwide$180.95
Cincinnati Insurance$189.27

Cheapest Insurance for 30 Year-olds in Covington

If you are in your 30s in Covington our research has found that State Farm typically has the most affordable coverage coming in around $77.96 per month, followed by USAA at $87.42 and Travelers at $96.84.

CompanyAverage Monthly Rate
State Farm$77.96
USAA$87.42
Travelers$96.84
Westfield$101.67
Cincinnati Insurance$102.08

Cheapest Insurance for 40 Year-olds in Covington

On average, State Farm offers car insurance for 40 year-olds in Covington for around $63.67 per month. If you are looking for affordable coverage, you may also want to consider USAA or Kentucky Farm Bureau. The full list of top companies is below.

CompanyAverage Monthly Rate
State Farm$63.67
USAA$68.64
Kentucky Farm Bureau$76.44
Travelers$82.32
Cincinnati Insurance$88.83

Cheapest Insurance for 50 Year-olds in Covington

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Covington we found that State Farm generally offers the most affordable coverage at $66.37 per month.

CompanyAverage Monthly Rate
State Farm$66.37
Kentucky Farm Bureau$66.91
USAA$73.13
Motorists Mutual$83.55
Westfield$83.89

Cheapest Insurance for 60 Year-olds in Covington

If you live in Covington and you’re in your 60s, our data indicates that State Farm usually has the best rates at $63.14 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Farm$63.14
Kentucky Farm Bureau$64.56
USAA$71.11
Motorists Mutual$82.00
Westfield$83.56

Driver's Coverage Auto Insurance Rates in Covington, KY

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Covington, the average monthly rate for a driver who is currently insured is $90.98 while drivers who are not currently covered will pay around $113.89.

CoverageAverage Monthly Rate
Not Currently Insured $113.89
Currently Insured $90.98

Compare Recent Car Insurance Quotes in Covington

auto insurance quotes in Covington city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Covington a driver of a 2008 Chevrolet Aveo can expect to pay around $65.75 per month while someone that owns a 2001 Ford Taurus may pay around $129.13 per month. Check out the list of recent quotes in Covington below.

VehicleAverage Monthly Rate
2008 Chevrolet Aveo$65.75
2001 Ford Taurus$129.13
2003 Kia Rio$69.30
2005 Ford Freestyle$80.77
2020 Volkswagen Passat$168.89
2006 Ford Taurus$67.78
2011 Toyota Corolla$92.91
2007 Nissan Altima$70.18
1992 Dodge Dakota$133.35
2005 Infiniti Qx56$69.25

FAQ's for Drivers in Covington, KY

driver’s frequently asked question in Covington

What Is the Minimum Liability Coverage Requirement in Covington, KY?

Drivers in Kentucky are required by law to carry a minimum of $25,000 bodily injury liability insurance per person per accident and $50,000 bodily injury for all persons involved in a single accident. The state also requires $10,000 property damage liability and $10,000 personal injury protection.

Kentucky is a no-fault state. This mean your insurance will pay for your claims, no matter who caused the accident. You do not have all the rights to sue as you do in some other states.

  •  $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  •  $10,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  •  $10,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

You undoubtedly consider the price of your car and the interest rate you’ve been offered when buying a car, but do you also consider your insurance premium? Finance companies generally require comprehensive and collision insurance on top of your state’s minimum coverage. This level of insurance can increase your rates substantially. Always factor this cost in when buying a car.

What Is the Blood Alcohol Concentration (BAC) limit in Covington, KY?

It’s illegal to drive in Kentucky with the following BAC percentages:

.08%+ for 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ for under 21 years old

Drivers can be convicted of DUI in Kentucky at levels lower than 0.08 if there’s evidence of impairment. Plus, a DUI in Kentucky can be charged for driving while under the influence of any substance that impairs driving, including prescription medications, gasoline, glue, OTC drugs, spray paint, etc.

Does Kentucky allow the use of digital insurance cards?

Kentucky law allows insurers to provide you with proof of insurance electronically, and it allows you to prove you have insurance by showing your electronic ID card on your phone or other mobile device.

map

Commute Time in Covington, KY

22.1 Miles
map

Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Covington, KY

874

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates Instantly.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.