Cheapest Car Insurance Quotes in Covington

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Covington Car Insurance

^$ 32

/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 $1083 for a six-month policy, which is $120 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $444, 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

$1083

Avg. Car Insurance in Michigan

$1203

National Average

$1140

Cheapest Car Insurance Companies in Covington

1st place: Travelers

At $444 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $556 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Encompass

Encompass offers auto insurance rates at $615 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, MI is Travelers, offering policies at just $444 for a six-month term. This is followed by USAA, which has an average six-month premium of $556.

At the higher end of the spectrum, Hastings Mutual is the most expensive, with rates reaching $733 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, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$444	$75
USAA	$556	$94
Encompass	$615	$103
Auto-Owners Insurance Co	$631	$107
Chubb	$663	$111
Auto-Owners	$743	$125
AAA	$759	$128
Farm Bureau Ins of MI	$780	$132
Pioneer State Mutual Ins Co	$850	$141
Progressive	$850	$143
Westfield	$1058	$178
Farm Bureau	$1193	$203
State Farm	$1518	$256
Allstate	$1620	$275
Bristol West	$2111	$352
Farmers	$3282	$558
Hastings Mutual	$733	$122

Key Takeaways

Way's key takeaways about car insurance in Covington

The auto insurance costs in Covington fall around $444 for six months.
The cheapest auto insurance company in Covington is Travelers.
Teen drivers pay the highest rate in Covington at $869 per month.

High Rates Shouldn’t Drive You Out of Pocket.

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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.

Travelers provides the cheapest minimum car insurance coverage in Covington. Their Average 6 Month Premium is $187. Hastings Mutual is the most expensive at $320 for the same period.

Cheapest Liability Coverage in Covington, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$187	$32
Westfield	$198	$33
USAA	$251	$42
Encompass	$257	$43
Chubb	$273	$45
Auto-Owners Insurance Co	$294	$50
Auto-Owners	$347	$59
Farm Bureau Ins of MI	$380	$65
Progressive	$391	$66
AAA	$465	$79
Farm Bureau	$588	$98
Allstate	$689	$117
Bristol West	$882	$147
State Farm	$946	$159
Farmers	$1706	$284
Hastings Mutual	$320	$53

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 Travelers at $75 per month and $444 for six months.

Cheapest Full Coverage Car Insurance Quotes in Covington, MI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$444	$75
USAA	$556	$94
Encompass	$615	$103
Auto-Owners Insurance Co	$631	$107
Chubb	$663	$111
Auto-Owners	$743	$125
AAA	$759	$128
Farm Bureau Ins of MI	$780	$132
Pioneer State Mutual Ins Co	$850	$141
Progressive	$850	$143
Westfield	$1058	$178
Farm Bureau	$1193	$203
State Farm	$1518	$256
Allstate	$1620	$275
Bristol West	$2111	$352
Farmers	$3282	$558
Hastings Mutual	$733	$122

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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, MI increasing?

Despite maintaining a clean driving record, your car insurance rates in Covington, Michigan, may be increasing due to several external factors. Michigan 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	Chubb	$251
30s	USAA	$191
40s	USAA	$183
50s	USAA	$176
60s	Chubb	$160
70s	Chubb	$176

Cheapest Car Insurance Rates for Teen Drivers in Covington,MI

If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Covington at $37 per month. At $5217 for a six-month premium, Bristol West offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$220	$37
Westfield	$235	$40
Encompass	$257	$43
Chubb	$305	$52
Auto-Owners Insurance Co	$320	$53
Grange	$417	$71
USAA	$845	$142
Auto-Owners	$1011	$170
AAA	$1347	$227
Farm Bureau	$1940	$330
Progressive	$2080	$350
Allstate	$3507	$597
State Farm	$3598	$599
Farmers	$15054	$2560
Bristol West	$5217	$869

Teen Car Insurance Rates in MI by Age

Way Tip

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

As young drivers face the highest rates in Covington, Chubb offers the cheapest auto insurance rates at $251 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, Travelers is the cheapest car insurance provider. At $358 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 Farm Bureau Ins of MI, offering rates of around $1133 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Travelers	$358	$61
Encompass	$369	$61
Progressive	$518	$88
Westfield	$545	$91
Auto-Owners Insurance Co	$578	$98
Pioneer State Mutual Ins Co	$706	$118
Grange	$893	$152
Farm Bureau Ins of MI	$1133	$189

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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, MI, 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 Chubb and Westfield, offering $273 and $289, respectively. Pioneer State is an expensive provider with an average six-month premium of $428.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$273	$47
Westfield	$289	$48
Auto-Owners Insurance Co	$337	$58
Encompass	$380	$63
Farm Bureau Ins of MI	$449	$77
Pioneer State Mutual Ins Co	$497	$83
Travelers	$529	$89
USAA	$663	$112
Progressive	$733	$123
Auto-Owners	$818	$138
AAA	$1048	$176
Farm Bureau	$1460	$243
State Farm	$1662	$283
Allstate	$2582	$430
Farmers	$4613	$785
Pioneer State	$428	$71

Covington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Covington MI. For example, the car insurance in Covington after a DUI increases to $2160 for a six month policy. While the rate increases by $1176 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	$1176	$196
Failure to wear a seat belt	$1395	$238
Cell phone violation	$1481	$247
Texting while driving	$1481	$252
Illegal turn	$1486	$248
Wrong way/wrong lane	$1486	$253
Speeding in school zone	$1508	$251
Driving with expired registration	$1518	$258
Failure to stop at a red light	$1535	$256
Improper passing	$1535	$261
Speeding 16 - 20 MPH over limit	$1706	$284
Open container	$2010	$342
Driving with a suspended license	$2251	$375
Racing	$2903	$493
Reckless driving	$3155	$526
Leaving scene of an accident/hit and run	$3235	$550
DUI	$3336	$556

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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 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 Chubb at $273 for a six-month policy. However, it can be as expensive as $8425 with companies like Allstate.

Covington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Chubb	$273	$45
Auto-Owners Insurance Co	$722	$122
Grange	$727	$122
Progressive	$775	$131
Pioneer State Mutual Ins Co	$877	$146
USAA	$946	$159
Travelers	$1075	$179
Auto-Owners	$1625	$274
Westfield	$1769	$298
AAA	$1828	$308
Bristol West	$2502	$417
Farmers	$2566	$432
Farm Bureau	$3037	$506
State Farm	$3822	$644
Allstate	$8425	$1404

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 Westfield at $235. However, it can be as expensive as $10634 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in Covington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$235	$40
Chubb	$273	$45
Encompass	$289	$50
Travelers	$353	$59
Auto-Owners Insurance Co	$374	$64
Farm Bureau Ins of MI	$535	$89
USAA	$556	$95
Grange	$567	$95
Auto-Owners	$780	$132
Progressive	$1144	$193
AAA	$1160	$197
Farm Bureau	$1166	$194
Allstate	$2111	$359
State Farm	$3544	$590
Farmers	$10634	$1808

Car Insurance Price Trends in Covington, Michigan

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 dipped by $241 in December compared to $248 of November. In other words, there has been an decrease by $7 when you compare December and November.

The average cost of liability insurance in the Covington rose to $80 in December, compared to $74 in November. This represents an increase of $6 when comparing December and November.

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Frequently Asked Questions

How much is car insurance in Covington?

The car insurance in Covington is $32 per month, which is lower than the national average.

What is the cheapest car insurance in Covington?

The cheapest car insurance in Covington is $75 per month for full coverage.

How much is car insurance in Covington for teenagers?

Car insurance for teenagers costs $220 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 $1203 for a six-month policy. It will cost around $182 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 Michigan

National Average

Cheapest Car Insurance Companies in Covington

1st place: Travelers

2nd place: USAA

3rd place: Encompass

Covington Car Insurance Rates by Company

Cheap Car Insurance Companies in Covington, MI

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, MI

Cheapest Full Coverage Car Insurance in Covington

Cheapest Full Coverage Car Insurance Quotes in Covington, MI

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, MI 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,MI

If you are in your twenties Chubb 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, Michigan

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, MI

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

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