Cheapest Car Insurance Quotes in Covington

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Covington Car Insurance

^$ 23

/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 $568 for a six-month policy, which is $70 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $328, 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

$568

Avg. Car Insurance in Virginia

$638

National Average

$1140

Cheapest Car Insurance Companies in Covington

1st place: Virginia Farm Bureau

At $328 for a six month policy, Virginia Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: American Family

American Family offers auto insurance rates at $401 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $407 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, VA is Virginia Farm Bureau, offering policies at just $328 for a six-month term. This is followed by American Family, which has an average six-month premium of $401.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1025 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, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$328	$56
American Family	$401	$67
Auto-Owners Insurance Co	$407	$69
Cincinnati	$412	$69
Nationwide	$465	$78
Erie	$497	$84
Travelers	$534	$90
State Farm	$566	$94
USAA	$613	$103
Farm Bureau	$661	$110
Mercury	$692	$117
Progressive	$782	$131
Allstate	$1025	$174

Key Takeaways

Way's key takeaways about car insurance in Covington

The auto insurance costs in Covington fall around $328 for six months.
The cheapest auto insurance company in Covington is Virginia Farm Bureau.
Teen drivers pay the highest rate in Covington at $629 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.

Virginia Farm Bureau provides the cheapest minimum car insurance coverage in Covington. Their Average 6 Month Premium is $137. Nationwide is the most expensive at $444 for the same period.

Cheapest Liability Coverage in Covington, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$137	$23
American Family	$153	$26
Cincinnati	$185	$31
Travelers	$201	$34
Auto-Owners Insurance Co	$206	$35
Mercury	$212	$36
Farm Bureau	$222	$37
USAA	$222	$37
Erie	$248	$42
State Farm	$270	$45
Progressive	$344	$57
Allstate	$444	$76
Nationwide	$444	$74

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 Virginia Farm Bureau at $56 per month and $328 for six months.

Cheapest Full Coverage Car Insurance Quotes in Covington, VA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$328	$56
American Family	$401	$67
Auto-Owners Insurance Co	$407	$69
Cincinnati	$412	$69
Nationwide	$465	$78
Erie	$497	$84
Travelers	$534	$90
State Farm	$566	$94
USAA	$613	$103
Farm Bureau	$661	$110
Mercury	$692	$117
Progressive	$782	$131
Allstate	$1025	$174

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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, VA increasing?

Despite maintaining a clean driving record, your car insurance rates in Covington, Virginia, may be increasing due to several external factors. Virginia 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	$579
30s	Virginia Farm Bureau	$436
40s	USAA	$407
50s	USAA	$382
60s	USAA	$401
70s	USAA	$637

Cheapest Car Insurance Rates for Teen Drivers in Covington,VA

If you are planning to get a car insurance policy for your teenage dependent, Virginia Farm Bureau provides the cheapest car insurance in the Covington at $23 per month. At $3774 for a six-month premium, Progressive offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$137	$23
Farm Bureau	$174	$29
Mercury	$185	$31
American Family	$201	$34
Travelers	$206	$35
Auto-Owners Insurance Co	$238	$40
Erie	$798	$134
USAA	$1031	$174
State Farm	$1834	$309
Nationwide	$2321	$387
Allstate	$2696	$458
Progressive	$3774	$629

Teen Car Insurance Rates in VA 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 $579 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, Mercury is the cheapest car insurance provider. At $196 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 Nationwide, offering rates of around $376 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$196	$33
Virginia Farm Bureau	$206	$35
Travelers	$317	$53
Cincinnati	$338	$58
Nationwide	$376	$62

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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, VA, 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 AutoOwners Insurance Co and Virginia Farm Bureau, offering $190 and $190, respectively. Encompass is an expensive provider with an average six-month premium of $428.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Auto-Owners Insurance Co	$190	$32
Virginia Farm Bureau	$190	$32
American Family	$201	$34
Cincinnati	$243	$41
Farm Bureau	$248	$42
Travelers	$254	$43
Mercury	$280	$46
Electric	$338	$58
USAA	$476	$80
Erie	$529	$89
State Farm	$597	$101
Nationwide	$1010	$172
Progressive	$1343	$223
Allstate	$1734	$295
Encompass	$428	$73

Covington Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Covington VA. For example, the car insurance in Covington after a DUI increases to $835 for a six month policy. While the rate increases by $174 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	$836	$139
One Med/PIP claim	$836	$142
Not-at-fault accident	$867	$144
Two Med/PIP claims	$894	$152
One comp claim	$904	$150
Two comp claims	$946	$161
Failure to show documents	$951	$158
Driving without lights	$967	$165
Child safety restraint	$973	$162
Driving with expired registration	$983	$167
Failure to wear a seat belt	$994	$166
Cell phone violation	$1005	$171
Driving too slowly	$1005	$167
Failure to yield	$1005	$171
Speeding in school zone	$1005	$167
Texting while driving	$1005	$171
Wrong way/wrong lane	$1005	$167
Failure to stop at a red light	$1010	$172
Following too closely	$1010	$168
Illegal turn	$1010	$172
Improper passing	$1010	$168
Speeding 6 - 10 MPH over limit	$1010	$172
Speeding 16 - 20 MPH over limit	$1020	$170
Speeding 11 - 15 MPH over limit	$1025	$174
Passing school bus	$1057	$176
In 65 MPH zone	$1095	$186
Open container	$1110	$185
Speeding 21 - 25 MPH over limit	$1110	$189
At-fault accident - less than $1000	$1142	$190
Operating a vehicle without permission	$1226	$208
At-fault accident - $1000-$2000	$1242	$207
At-fault accident - greater than $2000	$1242	$211
Reckless driving	$1512	$252
Racing	$1623	$276
DUI	$1671	$279
Refusal to submit to a chemical test	$1671	$284
Driving with a suspended license	$1755	$293
Leaving scene of an accident/hit and run	$1755	$298

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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 Virginia Farm Bureau at $169 for a six-month policy. However, it can be as expensive as $1454 with companies like Allstate.

Covington car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Virginia Farm Bureau	$169	$28
Mercury	$190	$32
Farm Bureau	$217	$36
Travelers	$280	$47
American Family	$302	$50
Auto-Owners Insurance Co	$328	$56
State Farm	$640	$108
USAA	$719	$121
Progressive	$1100	$183
Erie	$1126	$191
Nationwide	$1237	$206
Allstate	$1454	$247

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 Mercury at $196. However, it can be as expensive as $264 with companies like State Farm for a similar six-month premium.

Cheapest Car Insurance in Covington after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Mercury	$196	$33
Virginia Farm Bureau	$201	$34
American Family	$206	$35
Auto-Owners Insurance Co	$212	$36
Cincinnati	$212	$36
Travelers	$227	$38
Erie	$248	$42
State Farm	$264	$45

Car Insurance Price Trends in Covington, Virginia

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 $80 in December compared to $77 of November. In other words, there has been an increase by $3 when you compare December and November.

The average cost of liability insurance in the Covington rose to $41 in December, compared to $39 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 Covington?

The car insurance in Covington is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Covington?

The cheapest car insurance in Covington is $56 per month for full coverage.

How much is car insurance in Covington for teenagers?

Car insurance for teenagers costs $137 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 $638 for a six-month policy. It will cost around $95 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 Virginia

National Average

Cheapest Car Insurance Companies in Covington

1st place: Virginia Farm Bureau

2nd place: American Family

3rd place: AutoOwners Insurance Co

Covington Car Insurance Rates by Company

Cheap Car Insurance Companies in Covington, VA

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, VA

Cheapest Full Coverage Car Insurance in Covington

Cheapest Full Coverage Car Insurance Quotes in Covington, VA

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, VA 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,VA

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, Virginia

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, VA

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

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