Compare Covington, KY Car Insurance Rates (2021)

Car insurance in Covington, KY averages $320 a month. Covington, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Covington car insurance rates, compare quotes from the top car insurance companies in Covington, KY.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Covington, KY are $3,836/year
  • The cheapest car insurance company in Covington is State Farm
  • The cheapest car insurance company in Covington for teen drivers is USAA

If you need to buy Covington, Kentucky car insurance, the options can be confusing. Everything you need to know about car insurance in Covington, KY is right here.

You’ll find Covington car insurance rates, the cheapest Covington, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Covington, Kentucky car insurance rates to Florence car insurance rates, Covington car insurance rates, and Owensboro car insurance rates.

Ready to find affordable Covington, KY car insurance today? Enter your ZIP code for fast, free Covington car insurance quotes.

Cheapest Covington, KY Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Covington, KY car insurance rates? Every Covington, Kentucky car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Covington, Kentucky

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,972 $2,933 $2,696 $2,874 $11,266 $12,679 $3,270 $3,445
GEICO $2,851 $2,637 $2,988 $2,706 $6,000 $7,098 $2,325 $2,000
Liberty Mutual $2,542 $2,745 $2,126 $2,373 $11,557 $12,815 $2,678 $2,813
Nationwide $2,365 $2,367 $2,153 $2,240 $5,248 $6,510 $2,673 $2,806
Progressive $1,995 $1,889 $1,802 $1,804 $9,998 $11,295 $2,471 $2,520
State Farm $1,613 $1,613 $1,448 $1,448 $4,858 $6,178 $1,803 $2,000
Travelers $1,763 $1,792 $1,741 $1,742 $8,344 $13,308 $1,848 $2,109
USAA $1,769 $1,759 $1,606 $1,617 $4,863 $5,100 $2,221 $2,414

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Minimum Car Insurance in Covington, KY

Every driver must carry the minimum car insurance in Covington, KY. Take a look at the Kentucky car insurance requirements.

Minimum Required Car Insurance Coverage in Covington, Kentucky

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $25,000 minimum

Cheapest Covington, KY Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Covington, KY. Compare credit history car insurance rates in Covington from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Covington, Kentucky

Insurance Company Poor Fair Good
Allstate $6,954 $4,826 $4,021
GEICO $5,879 $2,935 $1,912
Liberty Mutual $7,060 $4,367 $3,442
Nationwide $3,971 $3,159 $2,757
Progressive $4,688 $4,122 $3,856
State Farm $3,791 $2,287 $1,783
Travelers $4,541 $3,858 $3,843
USAA $3,948 $2,233 $1,825

Cheapest Covington, KY Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Covington, KY to rates for a clean record with top companies.

Annual Covington, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,350 $5,699 $6,097 $4,921
GEICO $2,135 $3,792 $5,760 $2,616
Liberty Mutual $4,127 $6,365 $4,947 $4,385
Nationwide $2,661 $3,384 $4,227 $2,910
Progressive $3,492 $5,181 $3,980 $4,235
State Farm $2,392 $2,849 $2,620 $2,620
Travelers $3,563 $3,662 $5,282 $3,816
USAA $2,009 $2,837 $3,406 $2,423

Cheapest Covington, KY Car Insurance for Teen Drivers

Teen car insurance in Covington, KY can be expensive. Take a look at rates from the top car insurance companies in Covington for teenagers.

Annual Car Insurance Rates for Teen Drivers in Covington, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,266 $12,679
GEICO $6,000 $7,098
Liberty Mutual $11,557 $12,815
Nationwide $5,248 $6,510
Progressive $9,998 $11,295
State Farm $4,858 $6,178
Travelers $8,344 $13,308
USAA $4,863 $5,100

Cheapest Covington, KY Car Insurance for Seniors

Take a look at Covington, KY senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Covington, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,696 $2,874
GEICO $2,988 $2,706
Liberty Mutual $2,126 $2,373
Nationwide $2,153 $2,240
Progressive $1,802 $1,804
State Farm $1,448 $1,448
Travelers $1,741 $1,742
USAA $1,606 $1,617

Cheapest Covington, KY Car Insurance Rates After a DUI

A DUI in Covington, KY increases car insurance rates. Compare Covington, Kentucky DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Covington, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,097
GEICO $5,760
Liberty Mutual $4,947
Nationwide $4,227
Progressive $3,980
State Farm $2,620
Travelers $5,282
USAA $3,406

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Cheapest Covington, KY Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Covington, KY by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Covington, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,267 $5,267
GEICO $3,542 $3,609
Liberty Mutual $4,956 $4,956
Nationwide $3,295 $3,295
Progressive $4,222 $4,222
State Farm $2,553 $2,688
Travelers $4,081 $4,081
USAA $2,572 $2,766

Cheapest Covington, KY Car Insurance Rates by ZIP Code

Covington car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Covington, KY.

Annual Car Insurance Rates by ZIP Code in Covington, Kentucky

ZIP Code Average Annual Rates
41011 $3,488
41014 $3,492
41016 $3,487
41017 $3,316

The Best Cheap Car Insurance Companies in Covington, KY

Take a look at a side-by-side comparison of the top car insurance companies in Covington, KY to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Covington, Kentucky

Insurance Company Average Annual Rates
Allstate $5,267
GEICO $3,576
Liberty Mutual $4,956
Nationwide $3,295
Progressive $4,222
State Farm $2,620
Travelers $4,081
USAA $2,669

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Category Winners: Cheapest Car Insurance in Covington, Kentucky

Find the cheapest car insurance companies in Covington, KY for each category right here.

Best Annual Car Insurance Rates by Company in Covington, Kentucky

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Cheapest Covington, KY Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Covington car insurance rates. Find the cheapest Covington, KY car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Covington, Kentucky

Insurance Company Low Medium High
Allstate $4,900 $5,246 $5,654
GEICO $3,346 $3,564 $3,817
Liberty Mutual $4,765 $4,933 $5,170
Nationwide $3,289 $3,267 $3,330
Progressive $3,888 $4,181 $4,597
State Farm $2,438 $2,620 $2,802
Travelers $3,873 $4,103 $4,267
USAA $2,540 $2,663 $2,804

What affects car insurance rates in Covington, Kentucky?

What factors can have an impact on Covington, KY car insurance? There are several reasons why Covington car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Covington, Kentucky.

Commute Time in Covington

The more time you spend in your car the higher the risk of an accident. The average commute length in Covington, KY is 22.2 minutes according to City-Data.

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Compare Car Insurance Quotes in Covington, KY

Ready to find affordable Covington, Kentucky car insurance today? Enter your ZIP code for fast, free Covington, KY car insurance quotes.

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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