Cheapest Car Insurance Quotes in Covedale

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Covedale Car Insurance

^$ 25

/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 Covedale

The car insurance rate in Covedale is $884 for a six-month policy, which is $141 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $283, making it a popular choice for budget-conscious drivers. Rates in Covedale 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 Covedale

$884

Avg. Car Insurance in Ohio

$743

National Average

$1278

Cheapest Car Insurance Companies in Covedale

1st place: American Family

At $283 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $452 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $707 for six months, making it the third cheapest auto insurance company in Covedale.

Covedale Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Covedale, OH is American Family, offering policies at just $283 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $452.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1357 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Covedale drivers find the best deals.

Cheap Car Insurance Companies in Covedale, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$283	$48
Auto-Owners Insurance Co	$452	$75
Travelers	$707	$120
State Farm	$721	$120
Hastings Mutual	$735	$125
USAA	$743	$125
Erie	$770	$130
Nationwide	$813	$137
Central Mutual	$856	$145
Progressive	$890	$150
Auto-Owners	$962	$163
Farmers	$1046	$175
Westfield	$1230	$209
Cincinnati	$1286	$214
Grange	$1308	$223
Allstate	$1357	$228

Key Takeaways

Way's key takeaways about car insurance in Covedale

The auto insurance costs in Covedale fall around $283 for six months.
The cheapest auto insurance company in Covedale is American Family.
Teen drivers pay the highest rate in Covedale at $841 per month.

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Cheapest Minimum Liability Car Insurance in Covedale

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 Covedale are given below.

American Family provides the cheapest minimum car insurance coverage in Covedale. Their Average 6 Month Premium is $149. Allstate is the most expensive at $537 for the same period.

Cheapest Liability Coverage in Covedale, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$149	$25
Central Mutual	$163	$27
Auto-Owners Insurance Co	$177	$30
USAA	$205	$35
Erie	$219	$37
Westfield	$219	$37
State Farm	$233	$39
Progressive	$269	$45
Auto-Owners	$296	$50
Travelers	$296	$50
Nationwide	$361	$61
Farmers	$396	$65
Grange	$466	$80
Cincinnati	$495	$82
Allstate	$537	$90

Cheapest Full Coverage Car Insurance in Covedale

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 Covedale is American Family at $48 per month and $283 for six months.

Cheapest Full Coverage Car Insurance Quotes in Covedale, OH

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$283	$48
Auto-Owners Insurance Co	$452	$75
Travelers	$707	$120
State Farm	$721	$120
Hastings Mutual	$735	$125
USAA	$743	$125
Erie	$770	$130
Nationwide	$813	$137
Central Mutual	$856	$145
Progressive	$890	$150
Auto-Owners	$962	$163
Farmers	$1046	$175
Westfield	$1230	$209
Cincinnati	$1286	$214
Grange	$1308	$223
Allstate	$1357	$228

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Average Car Insurance in Covedale 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 Covedale, OH increasing?

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

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

Car Insurance Premiums by Age in Covedale

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	$676
30s	USAA	$478
40s	USAA	$433
50s	USAA	$401
60s	USAA	$421
70s	USAA	$511

Cheapest Car Insurance Rates for Teen Drivers in Covedale,OH

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the Covedale at $26 per month. At $4948 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$156	$26
USAA	$954	$161
Erie	$1096	$184
Travelers	$1279	$215
Westfield	$1428	$240
Progressive	$2058	$346
Nationwide	$2623	$441
Auto-Owners	$2799	$466
Allstate	$2863	$482
State Farm	$2933	$489
Cincinnati	$3718	$632
Grange	$3753	$626
Farmers	$4948	$841

Teen Car Insurance Rates in OH by Age

Way Tip

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

As young drivers face the highest rates in Covedale, USAA offers the cheapest auto insurance rates at $676 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 Covedale, American Family is the cheapest car insurance provider. At $240 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 Covedale is AutoOwners, offering rates of around $2686 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$240	$40
Progressive	$884	$149
Nationwide	$1017	$171
USAA	$1039	$174
Grange	$1053	$177
Erie	$1075	$181
Westfield	$1258	$212
Cincinnati	$1944	$324
Allstate	$2318	$394
Auto-Owners	$2686	$447

Escape the Trap of Rising Insurance Costs.

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

Car Insurance Rates with An Accident in Covedale

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 Covedale, OH, accidents can lead to significant hikes in your premiums.

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

The cheapest car insurance companies after an at-fault accident in Covedale include Central Mutual and American Family, offering $163 and $183, respectively. State Farm is an expensive provider with an average six-month premium of $5429.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Central Mutual	$163	$27
American Family	$183	$31
Auto-Owners Insurance Co	$283	$48
Erie	$502	$84
Westfield	$750	$126
Nationwide	$1017	$171
Travelers	$1089	$183
USAA	$1471	$248
Auto-Owners	$1527	$257
Grange	$1604	$273
Progressive	$2332	$393
Cincinnati	$2397	$407
Allstate	$2856	$481
State Farm	$5429	$923

Covedale Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Covedale OH. For example, the car insurance in Covedale after a DUI increases to $827 for a six month policy. While the rate increases by $183 for a six-month policy in the case of a speeding ticket.

Covedale auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$870	$145
One Med/PIP claim	$890	$151
Not-at-fault accident	$904	$151
One comp claim	$926	$157
Two Med/PIP claims	$926	$155
Two comp claims	$969	$164
Failure to show documents	$976	$163
Driving without lights	$997	$169
Failure to wear a seat belt	$997	$167
Child safety restraint	$1017	$173
Driving with expired registration	$1017	$170
Driving too slowly	$1053	$179
Speeding 11 - 15 MPH over limit	$1053	$176
Speeding 6 - 10 MPH over limit	$1053	$179
Speeding in school zone	$1053	$176
Cell phone violation	$1060	$181
Failure to yield	$1060	$177
Following too closely	$1060	$181
Illegal turn	$1060	$177
Texting while driving	$1060	$181
Wrong way/wrong lane	$1060	$177
Failure to stop at a red light	$1067	$182
Improper passing	$1075	$179
Speeding 16 - 20 MPH over limit	$1075	$183
At-fault accident - less than $1000	$1110	$184
Passing school bus	$1117	$190
Speeding 21 - 25 MPH over limit	$1145	$190
In 65 MPH zone	$1159	$198
At-fault accident - $1000-$2000	$1279	$213
At-fault accident - greater than $2000	$1286	$219
Open container	$1286	$214
Operating a vehicle without permission	$1294	$220
Reckless driving	$1640	$274
Racing	$1668	$283
Refusal to submit to a chemical test	$1668	$278
Driving with a suspended license	$1683	$286
DUI	$1697	$283
Leaving scene of an accident/hit and run	$1746	$296

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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 Covedale 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 Covedale.

The cheapest car insurance premiums in Covedale are offered by American Family at $183 for a six-month policy. However, it can be as expensive as $3145 with companies like Cincinnati.

Covedale car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$183	$31
Travelers	$587	$99
Progressive	$707	$119
Erie	$728	$123
USAA	$827	$139
State Farm	$1138	$194
Nationwide	$1301	$219
Farmers	$1414	$240
Auto-Owners	$1817	$302
Allstate	$1859	$313
Grange	$2099	$350
Westfield	$2729	$464
Cincinnati	$3145	$525

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 Covedale are offered by American Family at $183. However, it can be as expensive as $1873 with companies like Grange for a similar six-month premium.

Cheapest Car Insurance in Covedale after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$183	$31
Auto-Owners Insurance Co	$183	$31
Erie	$524	$88
Progressive	$728	$123
USAA	$750	$125
Westfield	$841	$142
Nationwide	$848	$143
Auto-Owners	$962	$163
Cincinnati	$1520	$253
Allstate	$1774	$302
Grange	$1873	$312

Car Insurance Price Trends in Covedale, Ohio

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

The average cost of full coverage in the Covedale rose by $177 in January compared to $142 of December. In other words, there has been an increase by $35 when you compare January and December.

The average cost of liability insurance in the Covedale rose to $46 in January, compared to $43 in December. This represents an increase of $3 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Covedale?

The car insurance in Covedale is $25 per month, which is lower than the national average.

What is the cheapest car insurance in Covedale?

The cheapest car insurance in Covedale is $48 per month for full coverage.

How much is car insurance in Covedale for teenagers?

Car insurance for teenagers costs $156 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 Covedale?

The average cost of car insurance is $743 for a six-month policy. It will cost around $149 per month to insure your car in Covedale.

Is car insurance expensive in Covedale?

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

Cheapest Car Insurance Quotes in Covedale

Why you can trust Way?

How Much Is Car Insurance in Covedale

Avg. Car Insurance in Covedale

Avg. Car Insurance in Ohio

National Average

Cheapest Car Insurance Companies in Covedale

1st place: American Family

2nd place: AutoOwners Insurance Co

3rd place: Travelers

Covedale Car Insurance Rates by Company

Cheap Car Insurance Companies in Covedale, OH

Way's key takeaways about car insurance in Covedale

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Covedale

Cheapest Liability Coverage in Covedale, OH

Cheapest Full Coverage Car Insurance in Covedale

Cheapest Full Coverage Car Insurance Quotes in Covedale, OH

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Covedale by Rating Factor

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

Car Insurance Premiums by Age in Covedale

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Covedale,OH

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

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 Covedale

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

Covedale Car Insurance Rates by Violation

Covedale auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Covedale after a DUI

Covedale car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Covedale after Speeding ticket

Car Insurance Price Trends in Covedale, Ohio

Average Car Insurance Cost in Covedale by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Covedale, OH

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

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