Cheapest Car Insurance Quotes in Covington

Finding the cheapest car insurance quotes in Covington shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Covington Car Insurance

^$ 20

/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 Covington

The car insurance rate in Covington is $807 for a six-month policy, which is $215 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $343, making it a popular choice for budget-conscious drivers. Rates in Covington 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 Covington

$807

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Covington

1st place: AutoOwners Insurance Co

At $343 for a six month policy, AutoOwners Insurance Co offers the cheapest auto insurance rates in the city.

2nd place: Cincinnati

Cincinnati offers auto insurance rates at $375 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Kentucky Farm Bureau

Kentucky Farm Bureau offers auto insurance rates at $493 for six months, making it the third cheapest auto insurance company in Covington.

Covington Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Covington, KY is AutoOwners Insurance Co, offering policies at just $343 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $375.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $939 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Covington drivers find the best deals.

Cheap Car Insurance Companies in Covington, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$343	$58
Cincinnati	$375	$62
Kentucky Farm Bureau	$493	$83
Travelers	$643	$108
Farm Bureau	$662	$112
Shelter	$723	$122
Auto-Owners	$774	$132
Nationwide	$779	$131
USAA	$788	$133
State Farm	$878	$148
Electric	$910	$155
Progressive	$1014	$171
Allstate	$1990	$335
Grange	$939	$156

Key Takeaways

Way's key takeaways about car insurance in Covington

The auto insurance costs in Covington fall around $343 for six months.
The cheapest auto insurance company in Covington is Cincinnati.
Teen drivers pay the highest rate in Covington at $1101 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Covington

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 Covington are given below.

Cincinnati provides the cheapest minimum car insurance coverage in Covington. Their Average 6 Month Premium is $118. Allstate is the most expensive at $822 for the same period.

Cheapest Liability Coverage in Covington, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$118	$20
Auto-Owners Insurance Co	$160	$27
Kentucky Farm Bureau	$179	$30
Electric	$193	$32
Nationwide	$225	$38
USAA	$235	$40
Farm Bureau	$244	$41
Travelers	$254	$43
Westfield	$263	$43
State Farm	$273	$46
Progressive	$300	$51
Shelter	$319	$54
Auto-Owners	$352	$58
Allstate	$822	$138

Cheapest Full Coverage Car Insurance in Covington

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 Covington is AutoOwners Insurance Co at $58 per month and $343 for six months.

Cheapest Full Coverage Car Insurance Quotes in Covington, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$343	$58
Cincinnati	$375	$62
Kentucky Farm Bureau	$493	$83
Travelers	$643	$108
Farm Bureau	$662	$112
Shelter	$723	$122
Auto-Owners	$774	$132
Nationwide	$779	$131
USAA	$788	$133
State Farm	$878	$148
Electric	$910	$155
Progressive	$1014	$171
Allstate	$1990	$335
Grange	$939	$156

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Covington Instantly!

Average Car Insurance in Covington 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 Covington, KY increasing?

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

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

Car Insurance Premiums by Age in Covington

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$781
30s	Auto-Owners	$593
40s	Auto-Owners	$579
50s	Auto-Owners	$553
60s	USAA	$575
70s	State Farm	$641

Cheapest Car Insurance Rates for Teen Drivers in Covington,KY

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Covington at $25 per month. At $6541 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$150	$25
Auto-Owners Insurance Co	$225	$38
Kentucky Farm Bureau	$751	$126
Travelers	$1014	$171
Farm Bureau	$1033	$174
USAA	$1187	$200
Shelter	$1488	$250
State Farm	$1684	$284
Auto-Owners	$2346	$391
Progressive	$3144	$529
Allstate	$6541	$1101

Teen Car Insurance Rates in KY by Age

Way Tip

If you are in your twenties USAA is the best choice for car insurance in Covington.

As young drivers face the highest rates in Covington, USAA offers the cheapest auto insurance rates at $781 for six months.

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 Covington, Cincinnati is the cheapest car insurance provider. At $201 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 Covington is Allstate, offering rates of around $4261 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$201	$34
Nationwide	$300	$51
Travelers	$845	$142
Progressive	$967	$163
USAA	$1553	$259
Farm Bureau	$2022	$344
Auto-Owners	$2243	$374
Shelter	$2300	$391
State Farm	$3055	$509
Allstate	$4261	$724

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Covington.

Car Insurance Rates with An Accident in Covington

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 Covington, KY, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Covington

The cheapest car insurance companies after an at-fault accident in Covington include AutoOwners Insurance Co and Electric, offering $239 and $239, respectively. Allstate is an expensive provider with an average six-month premium of $3449.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$239	$40
Electric	$239	$41
Cincinnati	$254	$42
Kentucky Farm Bureau	$348	$58
Farm Bureau	$493	$83
Travelers	$605	$102
State Farm	$629	$106
Shelter	$694	$117
USAA	$723	$122
Auto-Owners	$1065	$181
Progressive	$1192	$201
Allstate	$3449	$581

Covington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Covington KY. For example, the car insurance in Covington after a DUI increases to $981 for a six month policy. While the rate increases by $249 for a six-month policy in the case of a speeding ticket.

Covington auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1145	$191
One Med/PIP claim	$1154	$196
Two Med/PIP claims	$1202	$200
Not-at-fault accident	$1234	$210
One comp claim	$1253	$209
Failure to wear a seat belt	$1267	$216
Failure to show documents	$1309	$218
Two comp claims	$1309	$223
Driving without lights	$1314	$219
Child safety restraint	$1328	$226
Cell phone violation	$1379	$230
Driving with expired registration	$1384	$235
Texting while driving	$1384	$231
Driving too slowly	$1394	$237
Failure to stop at a red light	$1394	$232
Failure to yield	$1394	$237
Speeding 6 - 10 MPH over limit	$1394	$232
Speeding in school zone	$1394	$237
Following too closely	$1398	$233
Illegal turn	$1398	$238
Speeding 11 - 15 MPH over limit	$1398	$233
Wrong way/wrong lane	$1398	$238
Improper passing	$1403	$234
Speeding 16 - 20 MPH over limit	$1403	$239
Speeding 21 - 25 MPH over limit	$1431	$239
In 65 MPH zone	$1441	$245
Passing school bus	$1464	$244
Open container	$1502	$255
At-fault accident - less than $1000	$1529	$255
Operating a vehicle without permission	$1642	$280
At-fault accident - $1000-$2000	$1661	$277
At-fault accident - greater than $2000	$1661	$283
Reckless driving	$2088	$348
Refusal to submit to a chemical test	$2116	$360
DUI	$2126	$354
Driving with a suspended license	$2131	$363
Racing	$2140	$356
Leaving scene of an accident/hit and run	$2163	$368

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 Covington 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 Covington.

The cheapest car insurance premiums in Covington are offered by Cincinnati at $314 for a six-month policy. However, it can be as expensive as $1788 with companies like AutoOwners.

Covington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$314	$52
Kentucky Farm Bureau	$418	$71
Travelers	$563	$95
Progressive	$685	$115
Shelter	$690	$116
State Farm	$709	$119
USAA	$798	$134
Allstate	$1521	$256
Farm Bureau	$1544	$258
Auto-Owners	$1788	$304

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 Covington are offered by Cincinnati at $141. However, it can be as expensive as $2342 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Covington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$141	$24
Kentucky Farm Bureau	$169	$28
Auto-Owners Insurance Co	$193	$32
State Farm	$530	$89
Travelers	$573	$96
Shelter	$615	$103
Farm Bureau	$662	$112
Progressive	$769	$130
Auto-Owners	$788	$134
USAA	$948	$158
Allstate	$2342	$398

Car Insurance Price Trends in Covington, Kentucky

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

The average cost of full coverage in the Covington rose by $175 in December compared to $174 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Covington rose to $49 in December, compared to $47 in November. This represents an increase of $2 when comparing December and November.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Covington?

The car insurance in Covington is $20 per month, which is lower than the national average.

What is the cheapest car insurance in Covington?

The cheapest car insurance in Covington is $58 per month for full coverage.

How much is car insurance in Covington for teenagers?

Car insurance for teenagers costs $150 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 Covington?

The average cost of car insurance is $1022 for a six-month policy. It will cost around $136 per month to insure your car in Covington.

Is car insurance expensive in Covington?

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

Cheapest Car Insurance Quotes in Covington

Why you can trust Way?

How Much Is Car Insurance in Covington

Avg. Car Insurance in Covington

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Covington

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Covington Car Insurance Rates by Company

Cheap Car Insurance Companies in Covington, KY

Way's key takeaways about car insurance in Covington

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Covington

Cheapest Liability Coverage in Covington, KY

Cheapest Full Coverage Car Insurance in Covington

Cheapest Full Coverage Car Insurance Quotes in Covington, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Covington by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Covington, KY increasing?

Car Insurance Premiums by Age in Covington

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Covington,KY

If you are in your twenties USAA is the best choice for car insurance in Covington.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Covington

Cheapest Car Insurance Companies after an At-Fault Accident in Covington

Covington Car Insurance Rates by Violation

Covington auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Covington after a DUI

Covington car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Covington after Speeding ticket

Car Insurance Price Trends in Covington, Kentucky

Average Car Insurance Cost in Covington by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Covington, KY

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources