Best Cheap Auto Insurance in Covington, KY (2021)

The average Covington, KY auto insurance rates are $320 per month. The minimum auto insurance in Covington is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Covington, Kentucky, compare quotes from multiple companies.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • Average auto insurance rates in Covington, KY for senior drivers are $2,085 per year
  • The most expensive auto insurance company in Covington for teen drivers is Liberty Mutual
  • The minimum auto insurance required in Covington, Kentucky is 25/50/25

Covington, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Covington can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Covington, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Covington to other Kentucky cities, including George auto insurance rates, Owensboro auto insurance rates, and Elizabeth auto insurance rates to see how Covington, Kentucky auto insurance rates stack up.

Before you buy Covington, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Covington, Kentucky auto insurance quotes.

Minimum Auto Insurance in Covington, Kentucky

Covington, Kentucky auto insurance laws require that you have at least the Kentucky minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Covington, Kentucky.

Minimum Required Auto Insurance Coverage in Covington, Kentucky

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

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Cheap Covington, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Covington, Kentucky are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Covington, Kentucky

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,972 $2,933 $2,696 $2,874 $11,266 $12,679 $3,270 $3,445
GEICO $2,851 $2,637 $2,988 $2,706 $6,000 $7,098 $2,325 $2,000
Liberty Mutual $2,542 $2,745 $2,126 $2,373 $11,557 $12,815 $2,678 $2,813
Nationwide $2,365 $2,367 $2,153 $2,240 $5,248 $6,510 $2,673 $2,806
Progressive $1,995 $1,889 $1,802 $1,804 $9,998 $11,295 $2,471 $2,520
State Farm $1,613 $1,613 $1,448 $1,448 $4,858 $6,178 $1,803 $2,000
Travelers $1,763 $1,792 $1,741 $1,742 $8,344 $13,308 $1,848 $2,109
USAA $1,769 $1,759 $1,606 $1,617 $4,863 $5,100 $2,221 $2,414

Cheap Covington, Kentucky Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Covington, Kentucky is a challenge. Take a look at the annual teen auto insurance rates in Covington, Kentucky.

Annual Auto Insurance Rates for Teen Drivers in Covington, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,266 $12,679
GEICO $6,000 $7,098
Liberty Mutual $11,557 $12,815
Nationwide $5,248 $6,510
Progressive $9,998 $11,295
State Farm $4,858 $6,178
Travelers $8,344 $13,308
USAA $4,863 $5,100

Cheap Covington, Kentucky Auto Insurance for Seniors

What are senior auto insurance rates in Covington, Kentucky? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Covington, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,696 $2,874
GEICO $2,988 $2,706
Liberty Mutual $2,126 $2,373
Nationwide $2,153 $2,240
Progressive $1,802 $1,804
State Farm $1,448 $1,448
Travelers $1,741 $1,742
USAA $1,606 $1,617

Cheap Covington, Kentucky Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Covington, Kentucky compared to the annual auto insurance rates with a clean record in Covington, Kentucky.

Annual Covington, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,350 $5,699 $6,097 $4,921
GEICO $2,135 $3,792 $5,760 $2,616
Liberty Mutual $4,127 $6,365 $4,947 $4,385
Nationwide $2,661 $3,384 $4,227 $2,910
Progressive $3,492 $5,181 $3,980 $4,235
State Farm $2,392 $2,849 $2,620 $2,620
Travelers $3,563 $3,662 $5,282 $3,816
USAA $2,009 $2,837 $3,406 $2,423

Cheap Covington, Kentucky Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Covington, Kentucky is not easy. Compare the annual rates for DUI auto insurance in Covington, Kentucky to find the best deal.

Annual Auto Insurance Rates After a DUI in Covington, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,097
GEICO $5,760
Liberty Mutual $4,947
Nationwide $4,227
Progressive $3,980
State Farm $2,620
Travelers $5,282
USAA $3,406

Cheap Covington, Kentucky Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Covington, Kentucky annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Covington, Kentucky

Insurance Company Poor Fair Good
Allstate $6,954 $4,826 $4,021
GEICO $5,879 $2,935 $1,912
Liberty Mutual $7,060 $4,367 $3,442
Nationwide $3,971 $3,159 $2,757
Progressive $4,688 $4,122 $3,856
State Farm $3,791 $2,287 $1,783
Travelers $4,541 $3,858 $3,843
USAA $3,948 $2,233 $1,825

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Cheap Covington, Kentucky Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Covington, Kentucky can vary. Compare the annual cost of auto insurance by ZIP code in Covington, Kentucky to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Covington, Kentucky

ZIP Code Average Annual Rates
41011 $3,488
41014 $3,492
41016 $3,487
41017 $3,316

Cheap Covington, Kentucky Auto Insurance Rates By Commute

Commute length and annual mileage affect Covington, Kentucky auto insurance. Find the cheapest annual Covington, Kentucky auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Covington, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,267 $5,267
GEICO $3,542 $3,609
Liberty Mutual $4,956 $4,956
Nationwide $3,295 $3,295
Progressive $4,222 $4,222
State Farm $2,553 $2,688
Travelers $4,081 $4,081
USAA $2,572 $2,766

Cheap Covington, Kentucky Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Covington, Kentucky? Check out the comparison of annual Covington, Kentucky auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Covington, Kentucky

Insurance Company Low Medium High
Allstate $4,900 $5,246 $5,654
GEICO $3,346 $3,564 $3,817
Liberty Mutual $4,765 $4,933 $5,170
Nationwide $3,289 $3,267 $3,330
Progressive $3,888 $4,181 $4,597
State Farm $2,438 $2,620 $2,802
Travelers $3,873 $4,103 $4,267
USAA $2,540 $2,663 $2,804

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Best By Category: Cheapest Auto Insurance in Covington, Kentucky

Compare the cheapest auto insurance companies in Covington, Kentucky in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Covington, Kentucky

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

The Cheapest Covington, Kentucky Auto Insurance Companies

What auto insurance companies in Covington, Kentucky are the cheapest? Compare the top Covington, Kentucky auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Covington, Kentucky

Insurance Company Average Annual Rates
Allstate $5,267
GEICO $3,576
Liberty Mutual $4,956
Nationwide $3,295
Progressive $4,222
State Farm $2,620
Travelers $4,081
USAA $2,669

What affects auto insurance rates in Covington, Kentucky?

There are a lot of reasons why auto insurance rates in Covington, Kentucky are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Covington, Kentucky. Many local factors may affect your Covington auto insurance rates.

Covington Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Covington, Kentucky commute length is 22.2 minutes according to City-Data.

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Compare Covington, Kentucky Auto Insurance Quotes

Before you buy Covington, Kentucky auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Covington, Kentucky auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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