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Covington Car Insurance
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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.
The car insurance rate in the Covington is $1115, which is $124 lower than the state average. Travelers offers the cheapest insurance rates in the city at $556 for a six-month policy.
$1115
$1239
$1146
At $556 for a six month policy, Travelers offers the cheapest auto insurance rates in the city.
Encompass offers auto insurance rates at $615 for a six-month policy, making it one of the cheapest to insure with.
AutoOwners Insurance Co offers auto insurance rates at $631 for six months, making it the third cheapest auto insurance company in Covington.
Based on our research, the cheapest car insurance companies in Covington MI include Travelers, offering $556 for a six-month policy. This is followed by Encompass, with an average six-month premium of $615. Farmers is the most expensive, at $3282.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $556 | $93 |
| Encompass | $615 | $104 |
| Auto-Owners Insurance Co | $631 | $105 |
| Chubb | $663 | $113 |
| Secura | $700 | $119 |
| Hastings Mutual | $727 | $122 |
| USAA | $733 | $123 |
| Farm Bureau Ins of MI | $780 | $131 |
| Pioneer State Mutual Ins Co | $850 | $145 |
| Progressive | $925 | $156 |
| Auto-Owners | $968 | $163 |
| Westfield | $1058 | $178 |
| AAA | $1149 | $195 |
| Farm Bureau | $1193 | $199 |
| State Farm | $1524 | $257 |
| Allstate | $1620 | $270 |
| Bristol West | $2111 | $359 |
| Farmers | $3282 | $547 |
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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. Farmers is the most expensive at $962 for the same period.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $187 | $32 |
| Westfield | $198 | $33 |
| USAA | $230 | $39 |
| Secura | $251 | $42 |
| Encompass | $257 | $43 |
| Chubb | $273 | $47 |
| Auto-Owners Insurance Co | $294 | $49 |
| Auto-Owners | $311 | $52 |
| Hastings Mutual | $320 | $53 |
| 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 | $957 | $161 |
| Farmers | $962 | $162 |
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 $93 per month and $556 for six months.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $556 | $93 |
| Encompass | $615 | $104 |
| Auto-Owners Insurance Co | $631 | $105 |
| Chubb | $663 | $113 |
| Secura | $700 | $119 |
| Hastings Mutual | $727 | $122 |
| USAA | $733 | $123 |
| Farm Bureau Ins of MI | $780 | $131 |
| Pioneer State Mutual Ins Co | $850 | $145 |
| Progressive | $925 | $156 |
| Auto-Owners | $968 | $163 |
| Westfield | $1058 | $178 |
| AAA | $1149 | $195 |
| Farm Bureau | $1193 | $199 |
| State Farm | $1524 | $257 |
| Allstate | $1620 | $270 |
| Bristol West | $2111 | $359 |
| Farmers | $3282 | $547 |
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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.
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.
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.
| 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 |
If you are planning to get a car insurance policy for your teenage dependent, Travelers provides the cheapest car insurance in the Covington at $36 per month. At $15054 for a six-month premium, Farmers offers the most expensive rate for teen drivers.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Travelers | $214 | $36 |
| Encompass | $257 | $43 |
| Chubb | $305 | $50 |
| Auto-Owners Insurance Co | $320 | $55 |
| Grange | $417 | $69 |
| USAA | $1096 | $185 |
| Auto-Owners | $1160 | $195 |
| AAA | $1353 | $228 |
| Westfield | $1818 | $306 |
| Farm Bureau | $1940 | $330 |
| Progressive | $2753 | $464 |
| Allstate | $3507 | $597 |
| State Farm | $4095 | $689 |
| Bristol West | $5217 | $887 |
| Farmers | $15054 | $2509 |
Teen Car Insurance Rates in MI by Age
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.
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 |
Save up to $971/yr on car insurance rates 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.
The cheapest car insurance companies after an at-fault accident in Covington include Secura and Westfield, offering $251 and $289, respectively. Allstate is an expensive provider with an average six-month premium of $2582.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Secura | $251 | $42 |
| Westfield | $289 | $48 |
| Auto-Owners Insurance Co | $337 | $58 |
| Chubb | $358 | $60 |
| Encompass | $380 | $65 |
| Farm Bureau Ins of MI | $449 | $75 |
| Pioneer State | $476 | $81 |
| Pioneer State Mutual Ins Co | $497 | $83 |
| Travelers | $524 | $88 |
| USAA | $529 | $89 |
| Auto-Owners | $636 | $107 |
| Progressive | $749 | $126 |
| AAA | $1053 | $177 |
| Farm Bureau | $1460 | $243 |
| State Farm | $1662 | $283 |
| Farmers | $2513 | $423 |
| Allstate | $2582 | $439 |
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 $2053 for a six month policy. While the rate increases by $304 for a six-month policy in the case of a speeding ticket.
| Accident/Violation | Avg. 6 Mo Premium | Avg. Monthly Premium |
|---|---|---|
| None | $1107 | $185 |
| One Med/PIP claim | $1107 | $188 |
| Not-at-fault accident | $1182 | $197 |
| One comp claim | $1193 | $203 |
| Two Med/PIP claims | $1193 | $199 |
| Two comp claims | $1240 | $211 |
| Driving without lights | $1315 | $220 |
| Failure to wear a seat belt | $1320 | $224 |
| Child safety restraint | $1337 | $223 |
| At-fault accident - less than $1000 | $1395 | $238 |
| Wrong way/wrong lane | $1400 | $233 |
| Driving too slowly | $1406 | $239 |
| Following too closely | $1406 | $234 |
| Cell phone violation | $1411 | $240 |
| Illegal turn | $1411 | $235 |
| Speeding 6 - 10 MPH over limit | $1411 | $240 |
| Texting while driving | $1411 | $235 |
| Failure to show documents | $1417 | $241 |
| Speeding in school zone | $1422 | $237 |
| Failure to yield | $1433 | $244 |
| Improper passing | $1438 | $239 |
| Driving with expired registration | $1444 | $246 |
| Failure to stop at a red light | $1465 | $244 |
| Speeding 11 - 15 MPH over limit | $1481 | $252 |
| Passing school bus | $1524 | $254 |
| At-fault accident - $1000-$2000 | $1556 | $265 |
| Operating a vehicle without permission | $1604 | $267 |
| Speeding 16 - 20 MPH over limit | $1604 | $273 |
| At-fault accident - greater than $2000 | $1609 | $268 |
| Speeding 21 - 25 MPH over limit | $1636 | $278 |
| In 65 MPH zone | $1662 | $277 |
| Open container | $1989 | $338 |
| Driving with a suspended license | $2251 | $375 |
| Racing | $2769 | $471 |
| Reckless driving | $2984 | $497 |
| Leaving scene of an accident/hit and run | $3058 | $520 |
| DUI | $3160 | $527 |
| Refusal to submit to a chemical test | $3160 | $537 |
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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.
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.
| Company | Avg. 6 Mo. Premium | Avg. Monthly Premium |
|---|---|---|
| Chubb | $273 | $45 |
| Auto-Owners Insurance Co | $722 | $122 |
| Grange | $727 | $122 |
| Progressive | $780 | $131 |
| Pioneer State Mutual Ins Co | $877 | $146 |
| USAA | $946 | $159 |
| Travelers | $1053 | $176 |
| 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 |
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.
| 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 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 $248 in August compared to $247 of July. In other words, there has been an increase by $1 when you compare August and July.
The average cost of liability insurance in the Covington rose to $74 in August, compared to $73 in July. This represents an increase of $1 when comparing August and July.
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 $93 per month for full coverage.
How much is car insurance in Covington for teenagers?
Car insurance for teenagers costs $214 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 $1239 for a six-month policy. It will cost around $187 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.
What is the best car insurance in Covington, MI?
The best car insurance company in Covington MI is Travelers, offering $556 for a six-month policy.
Cut auto insurance costs in Covington right now.