Cheapest Car Insurance Quotes in Fort Thomas

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399,755 Policies Sold

Fort Thomas Car Insurance

^$ 19

/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 $756 for a six-month policy, which is $266 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $321, 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

$756

Avg. Car Insurance in Kentucky

$1022

National Average

$1140

Cheapest Car Insurance Companies in Fort Thomas

1st place: AutoOwners Insurance Co

At $321 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 $352 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 $462 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, KY is AutoOwners Insurance Co, offering policies at just $321 for a six-month term. This is followed by Cincinnati, which has an average six-month premium of $352.

At the higher end of the spectrum, Grange is the most expensive, with rates reaching $879 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, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$321	$55
Cincinnati	$352	$58
Kentucky Farm Bureau	$462	$78
Travelers	$602	$101
Farm Bureau	$620	$105
Shelter	$677	$114
Auto-Owners	$725	$124
Nationwide	$730	$123
USAA	$739	$124
State Farm	$822	$138
Electric	$852	$145
Progressive	$949	$160
Allstate	$1864	$314
Grange	$879	$147

Key Takeaways

Way's key takeaways about car insurance in Fort Thomas

The auto insurance costs in Fort Thomas fall around $321 for six months.
The cheapest auto insurance company in Fort Thomas is Cincinnati.
Teen drivers pay the highest rate in Fort Thomas at $1032 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 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.

Cincinnati provides the cheapest minimum car insurance coverage in Fort Thomas. Their Average 6 Month Premium is $110. Allstate is the most expensive at $770 for the same period.

Cheapest Liability Coverage in Fort Thomas, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$110	$19
Auto-Owners Insurance Co	$149	$25
Kentucky Farm Bureau	$167	$28
Electric	$181	$30
Nationwide	$211	$36
USAA	$220	$37
Farm Bureau	$229	$38
Travelers	$238	$40
Westfield	$246	$41
State Farm	$255	$43
Progressive	$281	$47
Shelter	$299	$50
Auto-Owners	$330	$55
Allstate	$770	$130

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 AutoOwners Insurance Co at $55 per month and $321 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fort Thomas, KY

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$321	$55
Cincinnati	$352	$58
Kentucky Farm Bureau	$462	$78
Travelers	$602	$101
Farm Bureau	$620	$105
Shelter	$677	$114
Auto-Owners	$725	$124
Nationwide	$730	$123
USAA	$739	$124
State Farm	$822	$138
Electric	$852	$145
Progressive	$949	$160
Allstate	$1864	$314
Grange	$879	$147

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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, KY increasing?

Despite maintaining a clean driving record, your car insurance rates in Fort Thomas, 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, 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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	USAA	$732
30s	Auto-Owners	$555
40s	Auto-Owners	$542
50s	Auto-Owners	$518
60s	USAA	$539
70s	State Farm	$600

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

If you are planning to get a car insurance policy for your teenage dependent, Cincinnati provides the cheapest car insurance in the Fort Thomas at $24 per month. At $6127 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$141	$24
Auto-Owners Insurance Co	$211	$36
Kentucky Farm Bureau	$703	$118
Travelers	$949	$160
Farm Bureau	$967	$163
USAA	$1112	$187
Shelter	$1393	$235
State Farm	$1578	$266
Auto-Owners	$2198	$366
Progressive	$2945	$496
Allstate	$6127	$1032

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 Fort Thomas.

As young drivers face the highest rates in Fort Thomas, USAA offers the cheapest auto insurance rates at $732 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 Fort Thomas, Cincinnati is the cheapest car insurance provider. At $189 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 Allstate, offering rates of around $3992 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$189	$32
Nationwide	$281	$48
Travelers	$791	$133
Progressive	$906	$152
USAA	$1455	$243
Farm Bureau	$1894	$322
Auto-Owners	$2101	$350
Shelter	$2154	$366
State Farm	$2862	$477
Allstate	$3992	$679

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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, KY, 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 AutoOwners Insurance Co and Electric, offering $224 and $224, respectively. Allstate is an expensive provider with an average six-month premium of $3231.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$224	$37
Electric	$224	$38
Cincinnati	$238	$39
Kentucky Farm Bureau	$326	$55
Farm Bureau	$462	$78
Travelers	$567	$95
State Farm	$589	$99
Shelter	$650	$110
USAA	$677	$114
Auto-Owners	$998	$169
Progressive	$1117	$188
Allstate	$3231	$544

Fort Thomas Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fort Thomas KY. For example, the car insurance in Fort Thomas after a DUI increases to $919 for a six month policy. While the rate increases by $233 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	$1072	$179
One Med/PIP claim	$1081	$184
Two Med/PIP claims	$1126	$187
Not-at-fault accident	$1156	$197
One comp claim	$1174	$195
Failure to wear a seat belt	$1187	$202
Failure to show documents	$1226	$204
Two comp claims	$1226	$209
Driving without lights	$1231	$205
Child safety restraint	$1244	$212
Cell phone violation	$1292	$215
Driving with expired registration	$1296	$221
Texting while driving	$1296	$216
Driving too slowly	$1305	$222
Failure to stop at a red light	$1305	$218
Failure to yield	$1305	$222
Speeding 6 - 10 MPH over limit	$1305	$218
Speeding in school zone	$1305	$222
Following too closely	$1310	$218
Illegal turn	$1310	$223
Speeding 11 - 15 MPH over limit	$1310	$218
Wrong way/wrong lane	$1310	$223
Improper passing	$1314	$219
Speeding 16 - 20 MPH over limit	$1314	$223
Speeding 21 - 25 MPH over limit	$1341	$223
In 65 MPH zone	$1350	$229
Passing school bus	$1371	$229
Open container	$1407	$239
At-fault accident - less than $1000	$1433	$239
Operating a vehicle without permission	$1538	$262
At-fault accident - $1000-$2000	$1556	$259
At-fault accident - greater than $2000	$1556	$265
Reckless driving	$1956	$326
Refusal to submit to a chemical test	$1982	$337
DUI	$1991	$332
Driving with a suspended license	$1996	$340
Racing	$2005	$334
Leaving scene of an accident/hit and run	$2026	$345

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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 Cincinnati at $295 for a six-month policy. However, it can be as expensive as $1675 with companies like AutoOwners.

Fort Thomas car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Cincinnati	$295	$49
Kentucky Farm Bureau	$391	$67
Travelers	$528	$89
Progressive	$642	$108
Shelter	$646	$109
State Farm	$664	$112
USAA	$747	$126
Allstate	$1425	$240
Farm Bureau	$1446	$241
Auto-Owners	$1675	$285

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 Cincinnati at $132. However, it can be as expensive as $2193 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
Cincinnati	$132	$22
Kentucky Farm Bureau	$158	$27
Auto-Owners Insurance Co	$181	$30
State Farm	$497	$84
Travelers	$537	$90
Shelter	$576	$97
Farm Bureau	$620	$105
Progressive	$721	$121
Auto-Owners	$739	$126
USAA	$888	$148
Allstate	$2193	$373

Car Insurance Price Trends in Fort Thomas, Kentucky

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 $164 in December compared to $163 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 Fort Thomas rose to $46 in December, compared to $44 in November. This represents an increase of $2 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Fort Thomas?

The car insurance in Fort Thomas is $19 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 $55 per month for full coverage.

How much is car insurance in Fort Thomas for teenagers?

Car insurance for teenagers costs $141 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 $1022 for a six-month policy. It will cost around $127 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.

Cheapest Car Insurance Quotes in Fort Thomas

Why you can trust Way?

How Much Is Car Insurance in Fort Thomas

Avg. Car Insurance in Fort Thomas

Avg. Car Insurance in Kentucky

National Average

Cheapest Car Insurance Companies in Fort Thomas

1st place: AutoOwners Insurance Co

2nd place: Cincinnati

3rd place: Kentucky Farm Bureau

Fort Thomas Car Insurance Rates by Company

Cheap Car Insurance Companies in Fort Thomas, KY

Way's key takeaways about car insurance in Fort Thomas

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fort Thomas

Cheapest Liability Coverage in Fort Thomas, KY

Cheapest Full Coverage Car Insurance in Fort Thomas

Cheapest Full Coverage Car Insurance Quotes in Fort Thomas, KY

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fort Thomas by Rating Factor

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

Car Insurance Premiums by Age in Fort Thomas

Cheapest Car Insurance Companies Based on Age Group

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

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

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 Fort Thomas

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

Fort Thomas Car Insurance Rates by Violation

Fort Thomas auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fort Thomas after a DUI

Fort Thomas car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fort Thomas after Speeding ticket

Car Insurance Price Trends in Fort Thomas, Kentucky

Average Car Insurance Cost in Fort Thomas by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fort Thomas, KY

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

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