Cheapest Car Insurance Quotes in Fort Thomas

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Fort Thomas Car Insurance

^$ 34

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Fort Thomas

The car insurance rate in Fort Thomas is $854 for a six-month policy, which is $163 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $394, making it a popular choice for budget-conscious drivers. Rates in Fort Thomas can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Fort Thomas

$854

Avg. Car Insurance in Arizona

$1017

National Average

$1278

Cheapest Car Insurance Companies in Fort Thomas

1st place: Root Insurance Company

At $394 for a six month policy, Root Insurance Company offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $519 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers

Farmers offers auto insurance rates at $543 for six months, making it the third cheapest auto insurance company in Fort Thomas.

Fort Thomas Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fort Thomas, AZ is Root Insurance Company, offering policies at just $394 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $519.

At the higher end of the spectrum, Nationwide is the most expensive, with rates reaching $913 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fort Thomas drivers find the best deals.

Cheap Car Insurance Companies in Fort Thomas, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$394	$67
Auto-Owners Insurance Co	$519	$87
Farmers	$543	$92
Mercury	$559	$93
Hartford	$584	$99
Iowa Farm Bureau	$589	$98
Travelers	$694	$117
USAA	$813	$137
Progressive	$823	$139
State Farm	$838	$141
Auto-Owners	$943	$159
Farm Bureau	$1222	$204
Allstate	$1273	$214
The Hartford	$1273	$214
CSAA	$1697	$288
Nationwide	$913	$152

Key Takeaways

Way's key takeaways about car insurance in Fort Thomas

The auto insurance costs in Fort Thomas fall around $394 for six months.
The cheapest auto insurance company in Fort Thomas is Mercury.
Teen drivers pay the highest rate in Fort Thomas at $738 per month.

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Cheapest Minimum Liability Car Insurance in Fort Thomas

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Fort Thomas are given below.

Mercury provides the cheapest minimum car insurance coverage in Fort Thomas. Their Average 6 Month Premium is $200. The Hartford is the most expensive at $514 for the same period.

Cheapest Liability Coverage in Fort Thomas, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$200	$34
Auto-Owners Insurance Co	$260	$45
Travelers	$260	$44
Country Financial	$265	$45
Root Insurance Company	$270	$45
USAA	$275	$46
Farmers	$285	$47
Auto-Owners	$299	$50
Iowa Farm Bureau	$299	$50
State Farm	$329	$55
Progressive	$339	$57
Allstate	$429	$72
Farm Bureau	$464	$77
The Hartford	$514	$87

Cheapest Full Coverage Car Insurance in Fort Thomas

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Fort Thomas is Root Insurance Company at $67 per month and $394 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Thomas, AZ

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$394	$67
Auto-Owners Insurance Co	$519	$87
Farmers	$543	$92
Mercury	$559	$93
Hartford	$584	$99
Iowa Farm Bureau	$589	$98
Travelers	$694	$117
USAA	$813	$137
Progressive	$823	$139
State Farm	$838	$141
Auto-Owners	$943	$159
Farm Bureau	$1222	$204
Allstate	$1273	$214
The Hartford	$1273	$214
CSAA	$1697	$288
Nationwide	$913	$152

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Average Car Insurance in Fort Thomas by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Fort Thomas, AZ increasing?

Despite maintaining a clean driving record, your car insurance rates in Fort Thomas, Arizona, may be increasing due to several external factors. Arizona has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Fort Thomas's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Fort Thomas

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Fort Thomas,AZ

If you are planning to get a car insurance policy for your teenage dependent, Mercury provides the cheapest car insurance in the Fort Thomas at $40 per month. At $4431 for a six-month premium, CSAA offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$239	$40
Root Insurance Company	$275	$47
Country Financial	$309	$51
Farmers	$349	$60
Auto-Owners Insurance Co	$354	$59
Iowa Farm Bureau	$370	$63
Travelers	$1013	$171
USAA	$1198	$202
State Farm	$1247	$210
Progressive	$1936	$326
Allstate	$2066	$348
Farm Bureau	$3163	$538
Auto-Owners	$3189	$532
The Hartford	$4041	$687
CSAA	$4431	$738

Teen Car Insurance Rates in AZ by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Fort Thomas, Mercury is the cheapest car insurance provider. At $229 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Fort Thomas is State Farm, offering rates of around $5758 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$229	$39
Root Insurance Company	$344	$59
Country Financial	$370	$61
Farmers	$414	$71
Nationwide	$424	$71
Iowa Farm Bureau	$539	$92
Hartford	$549	$92
Progressive	$869	$146
Travelers	$888	$150
Allstate	$1636	$276
USAA	$1641	$274
Farm Bureau	$2111	$359
The Hartford	$2610	$435
Auto-Owners	$3138	$533
State Farm	$5758	$959

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Car Insurance Rates with An Accident in Fort Thomas

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Fort Thomas, AZ, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Fort Thomas

The cheapest car insurance companies after an at-fault accident in Fort Thomas include Root Insurance Company and Country Financial, offering $339 and $344, respectively. CSAA is an expensive provider with an average six-month premium of $2754.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Root Insurance Company	$339	$56
Country Financial	$344	$59
Auto-Owners Insurance Co	$404	$67
Noblr	$569	$97
Travelers	$594	$100
Root	$619	$105
State Farm	$633	$107
General Casualty	$774	$132
USAA	$793	$134
Progressive	$908	$153
Farmers	$1142	$192
Mercury	$1188	$200
Farm Bureau Mutual (IA Group)	$1227	$205
Auto-Owners	$1322	$223
Metromile	$1397	$233
General Agents Group	$1572	$267
Country	$1662	$277
Encompass	$1806	$307
Allstate	$1826	$307
Nationwide	$1941	$330
The Hartford	$1976	$333
Safeway	$2210	$375
Farm Bureau	$2335	$389
Permanent General	$2390	$407
MetLife	$2724	$454
CSAA	$2754	$469

Fort Thomas Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Thomas AZ. For example, the car insurance in Fort Thomas after a DUI increases to $1013 for a six month policy. While the rate increases by $205 for a six-month policy in the case of a speeding ticket.

Fort Thomas auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$983	$164
One Med/PIP claim	$983	$167
Not-at-fault accident	$988	$165
One comp claim	$1028	$175
Two Med/PIP claims	$1028	$171
Two comp claims	$1068	$181
Failure to wear a seat belt	$1123	$187
Child safety restraint	$1168	$198
Driving without lights	$1168	$195
Failure to show documents	$1168	$198
Speeding 6 - 10 MPH over limit	$1188	$198
Driving too slowly	$1232	$209
Speeding 11 - 15 MPH over limit	$1232	$206
Speeding in school zone	$1232	$209
Driving with expired registration	$1242	$207
Speeding 16 - 20 MPH over limit	$1242	$211
Cell phone violation	$1247	$208
Failure to stop at a red light	$1247	$213
Failure to yield	$1247	$208
Following too closely	$1247	$213
Illegal turn	$1247	$208
Texting while driving	$1247	$213
Wrong way/wrong lane	$1247	$208
Improper passing	$1268	$216
Speeding 21 - 25 MPH over limit	$1283	$213
In 65 MPH zone	$1302	$222
Passing school bus	$1317	$219
At-fault accident - less than $1000	$1352	$230
Operating a vehicle without permission	$1422	$237
At-fault accident - $1000-$2000	$1462	$249
At-fault accident - greater than $2000	$1482	$247
Open container	$1557	$265
Reckless driving	$1726	$288
Driving with a suspended license	$1782	$303
DUI	$1996	$333
Refusal to submit to a chemical test	$1996	$339
Racing	$2040	$340
Leaving scene of an accident/hit and run	$2050	$349

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Fort Thomas after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Fort Thomas.

The cheapest car insurance premiums in Fort Thomas are offered by Mercury at $265 for a six-month policy. However, it can be as expensive as $2969 with companies like Farm Bureau.

Fort Thomas car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$265	$44
Root Insurance Company	$299	$51
Country Financial	$375	$62
Hartford	$469	$80
Progressive	$628	$106
Travelers	$699	$118
Farmers	$753	$127
State Farm	$858	$144
USAA	$1212	$204
Nationwide	$1502	$255
Auto-Owners	$1976	$329
The Hartford	$2171	$369
Allstate	$2300	$387
Farm Bureau	$2969	$505

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Fort Thomas are offered by AutoOwners Insurance Co at $260. However, it can be as expensive as $2824 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fort Thomas after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$260	$45
Mercury	$285	$47
Country Financial	$309	$53
Root Insurance Company	$339	$56
Farmers	$349	$60
State Farm	$674	$113
Travelers	$748	$126
Progressive	$753	$127
USAA	$1068	$181
Auto-Owners	$1093	$182
Farm Bureau	$1662	$282
The Hartford	$1891	$315
Allstate	$2824	$480

Car Insurance Price Trends in Fort Thomas, Arizona

Car insurance rates in Fort Thomas have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Fort Thomas rose by $176 in January compared to $102 of December. In other words, there has been an increase by $74 when you compare January and December.

The average cost of liability insurance in the Fort Thomas rose to $53 in January, compared to $45 in December. This represents an increase of $8 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Fort Thomas?

The car insurance in Fort Thomas is $34 per month, which is lower than the national average.

What is the cheapest car insurance in Fort Thomas?

The cheapest car insurance in Fort Thomas is $67 per month for full coverage.

How much is car insurance in Fort Thomas for teenagers?

Car insurance for teenagers costs $239 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Fort Thomas?

The average cost of car insurance is $1017 for a six-month policy. It will cost around $144 per month to insure your car in Fort Thomas.

Is car insurance expensive in Fort Thomas?

Car insurance can be expensive in Fort Thomas if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Fort Thomas can be affordable.

What is the best car insurance in Fort Thomas, AZ?

The best car insurance company in Fort Thomas AZ is Root Insurance Company, offering $394 for a six-month policy.