Best Cheap Auto Insurance in Fort Thomas, KY (2021)

The average Fort Thomas, KY auto insurance rates are $309 per month. The minimum auto insurance in Fort Thomas is at least 25/50/25 in coverage to comply with Kentucky auto insurance laws. To find the best cheap auto insurance in Fort Thomas, 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: May 17, 2021

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Things to Remember

  • The average commute length in Fort Thomas is 19.5 minutes
  • Average auto insurance rates in Fort Thomas, KY for senior drivers are $2,024 per year
  • The minimum auto insurance required in Fort Thomas, Kentucky is 25/50/25

Fort Thomas, Kentucky auto insurance requirements are 25/50/25 according to Kentucky auto insurance laws. Finding cheap auto insurance in Fort Thomas 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 Fort Thomas, Kentucky, including driving record, credit, commute time, and more.

Compare auto insurance in Fort Thomas to other Kentucky cities, including Covington auto insurance rates, Independence auto insurance rates, and Florence auto insurance rates to see how Fort Thomas, Kentucky auto insurance rates stack up.

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

Minimum Auto Insurance in Fort Thomas, Kentucky

Fort Thomas, 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 Fort Thomas, Kentucky.

Minimum Required Auto Insurance Coverage in Fort Thomas, 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 Fort Thomas, Kentucky Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Fort Thomas, 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 Fort Thomas, 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 $2,974 $2,935 $2,698 $2,876 $11,263 $12,669 $3,272 $3,447
GEICO $2,846 $2,632 $2,980 $2,699 $5,970 $7,071 $2,322 $1,998
Liberty Mutual $2,431 $2,627 $2,039 $2,279 $10,754 $11,933 $2,555 $2,679
Nationwide $2,365 $2,367 $2,153 $2,240 $5,248 $6,510 $2,673 $2,806
Progressive $1,729 $1,639 $1,560 $1,563 $8,563 $9,669 $2,139 $2,185
State Farm $1,438 $1,438 $1,290 $1,290 $4,296 $5,459 $1,606 $1,782
Travelers $1,921 $1,953 $1,897 $1,897 $9,192 $14,669 $2,014 $2,304
USAA $1,602 $1,594 $1,457 $1,467 $4,371 $4,588 $2,009 $2,184

Cheap Fort Thomas, Kentucky Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in Fort Thomas, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,263 $12,669
GEICO $5,970 $7,071
Liberty Mutual $10,754 $11,933
Nationwide $5,248 $6,510
Progressive $8,563 $9,669
State Farm $4,296 $5,459
Travelers $9,192 $14,669
USAA $4,371 $4,588

Cheap Fort Thomas, Kentucky Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Fort Thomas, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,698 $2,876
GEICO $2,980 $2,699
Liberty Mutual $2,039 $2,279
Nationwide $2,153 $2,240
Progressive $1,560 $1,563
State Farm $1,290 $1,290
Travelers $1,897 $1,897
USAA $1,457 $1,467

Cheap Fort Thomas, 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 Fort Thomas, Kentucky compared to the annual auto insurance rates with a clean record in Fort Thomas, Kentucky.

Annual Fort Thomas, Kentucky Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,351 $5,698 $6,096 $4,922
GEICO $2,128 $3,780 $5,745 $2,607
Liberty Mutual $3,890 $5,981 $4,651 $4,127
Nationwide $2,661 $3,384 $4,227 $2,910
Progressive $3,007 $4,447 $3,426 $3,644
State Farm $2,124 $2,526 $2,325 $2,325
Travelers $3,908 $4,018 $5,809 $4,189
USAA $1,816 $2,561 $3,070 $2,190

Cheap Fort Thomas, Kentucky Auto Insurance Rates After a DUI

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

Annual Auto Insurance Rates After a DUI in Fort Thomas, Kentucky

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,096
GEICO $5,745
Liberty Mutual $4,651
Nationwide $4,227
Progressive $3,426
State Farm $2,325
Travelers $5,809
USAA $3,070

Cheap Fort Thomas, Kentucky Auto Insurance By Credit History

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

Annual Auto Insurance Rates by Credit Score in Fort Thomas, Kentucky

Insurance Company Poor Fair Good
Allstate $6,956 $4,825 $4,020
GEICO $5,862 $2,926 $1,906
Liberty Mutual $6,634 $4,108 $3,245
Nationwide $3,971 $3,159 $2,757
Progressive $4,033 $3,544 $3,316
State Farm $3,360 $2,030 $1,585
Travelers $4,989 $4,235 $4,219
USAA $3,555 $2,019 $1,653

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Cheap Fort Thomas, Kentucky Auto Insurance Rates By ZIP Code

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

Annual Auto Insurance Rates by ZIP Code in Fort Thomas, Kentucky

ZIP Code Average Annual Rates
41075 $3,337

Cheap Fort Thomas, Kentucky Auto Insurance Rates By Commute

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

Annual Auto Insurance Rates by Commute Length in Fort Thomas, Kentucky

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $5,267 $5,267
GEICO $3,531 $3,598
Liberty Mutual $4,662 $4,662
Nationwide $3,295 $3,295
Progressive $3,631 $3,631
State Farm $2,266 $2,384
Travelers $4,481 $4,481
USAA $2,321 $2,497

Cheap Fort Thomas, Kentucky Auto Insurance Rates By Coverage Level

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

Annual Auto Insurance Rates by Coverage Level in Fort Thomas, Kentucky

Insurance Company Low Medium High
Allstate $4,893 $5,246 $5,662
GEICO $3,341 $3,553 $3,801
Liberty Mutual $4,467 $4,639 $4,881
Nationwide $3,289 $3,267 $3,330
Progressive $3,358 $3,600 $3,934
State Farm $2,166 $2,324 $2,486
Travelers $4,257 $4,506 $4,680
USAA $2,288 $2,403 $2,535

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Best By Category: Cheapest Auto Insurance in Fort Thomas, Kentucky

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

Best Annual Auto Insurance Rates by Company in Fort Thomas, Kentucky

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

The Cheapest Fort Thomas, Kentucky Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Fort Thomas, Kentucky

Insurance Company Average Annual Rates
Allstate $5,267
GEICO $3,565
Liberty Mutual $4,662
Nationwide $3,295
Progressive $3,631
State Farm $2,325
Travelers $4,481
USAA $2,409

What affects auto insurance rates in Fort Thomas, Kentucky?

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

Fort Thomas Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fort Thomas, Kentucky commute length is 19.5 minutes according to City-Data.

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Compare Fort Thomas, Kentucky Auto Insurance Quotes

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

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

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