Cheapest Car Insurance Quotes in Covington

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Covington Car Insurance

^$ 25

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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 $1162 for a six-month policy, which is $74 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $826, 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

$1162

Avg. Car Insurance in Oklahoma

$1236

National Average

$1278

Cheapest Car Insurance Companies in Covington

1st place: USAA

At $826 for a six month policy, USAA offers the cheapest auto insurance rates in the city.

2nd place: Progressive

Progressive offers auto insurance rates at $860 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Mercury

Mercury offers auto insurance rates at $961 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, OK is USAA, offering policies at just $826 for a six-month term. This is followed by Progressive, which has an average six-month premium of $860.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1692 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, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$826	$139
Progressive	$860	$145
Mercury	$961	$162
State Farm	$1005	$169
Shelter	$1122	$189
American Farmers & Ranchers Mutual	$1139	$194
Farmers	$1172	$197
Oklahoma Farm Bureau	$1206	$205
AFR Group	$1390	$232
Farm Bureau	$1413	$241
Allstate	$1692	$285

Key Takeaways

Way's key takeaways about car insurance in Covington

The auto insurance costs in Covington fall around $826 for six months.
The cheapest auto insurance company in Covington is American Farmers & Ranchers Mutual.
Teen drivers pay the highest rate in Covington at $39 per month.

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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.

American Farmers & Ranchers Mutual provides the cheapest minimum car insurance coverage in Covington. Their Average 6 Month Premium is $150. Allstate is the most expensive at $547 for the same period.

Cheapest Liability Coverage in Covington, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$150	$25
Mercury	$179	$30
USAA	$184	$31
AFR Group	$212	$36
Progressive	$218	$37
State Farm	$240	$40
Shelter	$285	$48
Oklahoma Farm Bureau	$307	$51
Farm Bureau	$346	$59
Farmers	$408	$69
Allstate	$547	$92

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 USAA at $139 per month and $826 for six months.

Cheapest Full Coverage Car Insurance Quotes in Covington, OK

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$826	$139
Progressive	$860	$145
Mercury	$961	$162
State Farm	$1005	$169
Shelter	$1122	$189
American Farmers & Ranchers Mutual	$1139	$194
Farmers	$1172	$197
Oklahoma Farm Bureau	$1206	$205
AFR Group	$1390	$232
Farm Bureau	$1413	$241
Allstate	$1692	$285

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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, OK increasing?

Despite maintaining a clean driving record, your car insurance rates in Covington, Oklahoma, may be increasing due to several external factors. Oklahoma 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	$671
30s	USAA	$520
40s	USAA	$477
50s	USAA	$457
60s	USAA	$467
70s	USAA	$540

Cheapest Car Insurance Rates for Teen Drivers in Covington,OK

If you are planning to get a car insurance policy for your teenage dependent, AFR Group provides the cheapest car insurance in the Covington at $35 per month. At $234 for a six-month premium, American Farmers & Ranchers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AFR Group	$207	$35
USAA	$1156	$195
Progressive	$2015	$339
State Farm	$2038	$343
Mercury	$2641	$445
Shelter	$3004	$506
Oklahoma Farm Bureau	$3690	$628
Farm Bureau	$4132	$689
Allstate	$4573	$770
Farmers	$5321	$896
American Farmers & Ranchers	$234	$39

Teen Car Insurance Rates in OK 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 $671 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, Oklahoma Farm Bureau is the cheapest car insurance provider. At $302 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 State Farm, offering rates of around $5511 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Oklahoma Farm Bureau	$302	$50
Progressive	$709	$119
Mercury	$1206	$203
USAA	$1206	$205
Farm Bureau	$1418	$236
Shelter	$2328	$396
Farmers	$2541	$423
Allstate	$2613	$445
State Farm	$5511	$918

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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, OK, 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 American Farmers & Ranchers Mutual and AFR Group, offering $145 and $340, respectively. Allstate is an expensive provider with an average six-month premium of $2334.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Farmers & Ranchers Mutual	$145	$24
AFR Group	$340	$58
State Farm	$598	$101
USAA	$648	$109
Mercury	$782	$132
Oklahoma Farm Bureau	$804	$135
Progressive	$838	$141
Shelter	$1463	$246
Farm Bureau	$1536	$256
Farmers	$2049	$345
Allstate	$2334	$393

Covington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Covington OK. For example, the car insurance in Covington after a DUI increases to $592 for a six month policy. While the rate increases by $268 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	$1117	$186
One comp claim	$1139	$194
One Med/PIP claim	$1139	$190
Two Med/PIP claims	$1151	$196
Not-at-fault accident	$1156	$193
Two comp claims	$1162	$197
Failure to show documents	$1234	$206
Failure to wear a seat belt	$1273	$216
Child safety restraint	$1278	$213
Driving without lights	$1278	$217
Driving with expired registration	$1301	$217
Cell phone violation	$1318	$224
Driving too slowly	$1318	$220
Speeding in school zone	$1318	$224
Texting while driving	$1318	$220
Failure to yield	$1329	$226
Failure to stop at a red light	$1335	$223
Following too closely	$1340	$227
Illegal turn	$1340	$224
Wrong way/wrong lane	$1351	$229
Improper passing	$1356	$227
In 65 MPH zone	$1379	$234
Speeding 11 - 15 MPH over limit	$1385	$231
Speeding 6 - 10 MPH over limit	$1385	$235
Passing school bus	$1390	$232
Speeding 16 - 20 MPH over limit	$1390	$236
Open container	$1413	$235
Speeding 21 - 25 MPH over limit	$1424	$243
At-fault accident - less than $1000	$1430	$238
Operating a vehicle without permission	$1508	$257
At-fault accident - $1000-$2000	$1519	$253
At-fault accident - greater than $2000	$1519	$259
Reckless driving	$1647	$274
Refusal to submit to a chemical test	$1686	$287
DUI	$1709	$285
Racing	$1759	$299
Driving with a suspended license	$1854	$309
Leaving scene of an accident/hit and run	$1854	$315

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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 Progressive at $619 for a six-month policy. However, it can be as expensive as $2184 with companies like Farm Bureau.

Covington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Progressive	$619	$104
Mercury	$748	$126
State Farm	$966	$163
USAA	$982	$165
Shelter	$1658	$279
Oklahoma Farm Bureau	$1842	$307
Farmers	$2094	$353
Allstate	$2161	$364
Farm Bureau	$2184	$371

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 Oklahoma Farm Bureau at $274. However, it can be as expensive as $2105 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
Oklahoma Farm Bureau	$274	$46
Progressive	$598	$101
State Farm	$648	$109
USAA	$821	$139
Mercury	$1022	$172
Shelter	$1368	$232
Farm Bureau	$1413	$235
Allstate	$2032	$346
Farmers	$2105	$351

Car Insurance Price Trends in Covington, Oklahoma

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 $228 in January compared to $209 of December. In other words, there has been an increase by $19 when you compare January and December.

The average cost of liability insurance in the Covington dipped to $43 in January, compared to $44 in December. This represents an decrease of $1 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Covington?

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

What is the cheapest car insurance in Covington?

The cheapest car insurance in Covington is $139 per month for full coverage.

How much is car insurance in Covington for teenagers?

Car insurance for teenagers costs $207 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 $1236 for a six-month policy. It will cost around $196 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 Oklahoma

National Average

Cheapest Car Insurance Companies in Covington

1st place: USAA

2nd place: Progressive

3rd place: Mercury

Covington Car Insurance Rates by Company

Cheap Car Insurance Companies in Covington, OK

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, OK

Cheapest Full Coverage Car Insurance in Covington

Cheapest Full Coverage Car Insurance Quotes in Covington, OK

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, OK 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,OK

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, Oklahoma

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, OK

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

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