Compare Fort Thomas, KY Car Insurance Rates (2021)

Car insurance in Fort Thomas, KY averages $309 a month. Fort Thomas, Kentucky car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Fort Thomas car insurance rates, compare quotes from the top car insurance companies in Fort Thomas, KY.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 Fort Thomas, KY are $3,704/year
  • The cheapest car insurance company in Fort Thomas is State Farm
  • The cheapest car insurance company in Fort Thomas for teen drivers is USAA

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

You’ll find Fort Thomas car insurance rates, the cheapest Fort Thomas, KY car insurance companies, and information on Kentucky car insurance laws. You can also compare Fort Thomas, Kentucky car insurance rates to Bowling Green car insurance rates, Nicholasville car insurance rates, and Independence car insurance rates.

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

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

How do age, gender, and marital status affect Fort Thomas, KY car insurance rates? Every Fort Thomas, 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 Fort Thomas, 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 $2,974 $2,935 $2,698 $2,876 $11,263 $12,669 $3,272 $3,447
GEICO $2,846 $2,632 $2,980 $2,699 $5,970 $7,071 $2,322 $1,998
Liberty Mutual $2,431 $2,627 $2,039 $2,279 $10,754 $11,933 $2,555 $2,679
Nationwide $2,365 $2,367 $2,153 $2,240 $5,248 $6,510 $2,673 $2,806
Progressive $1,729 $1,639 $1,560 $1,563 $8,563 $9,669 $2,139 $2,185
State Farm $1,438 $1,438 $1,290 $1,290 $4,296 $5,459 $1,606 $1,782
Travelers $1,921 $1,953 $1,897 $1,897 $9,192 $14,669 $2,014 $2,304
USAA $1,602 $1,594 $1,457 $1,467 $4,371 $4,588 $2,009 $2,184

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Minimum Car Insurance in Fort Thomas, KY

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

Minimum Required Car Insurance Coverage in Fort Thomas, 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 Fort Thomas, KY Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Fort Thomas, Kentucky

Insurance Company Poor Fair Good
Allstate $6,956 $4,825 $4,020
GEICO $5,862 $2,926 $1,906
Liberty Mutual $6,634 $4,108 $3,245
Nationwide $3,971 $3,159 $2,757
Progressive $4,033 $3,544 $3,316
State Farm $3,360 $2,030 $1,585
Travelers $4,989 $4,235 $4,219
USAA $3,555 $2,019 $1,653

Cheapest Fort Thomas, 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 Fort Thomas, KY to rates for a clean record with top companies.

Annual Fort Thomas, Kentucky Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,351 $5,698 $6,096 $4,922
GEICO $2,128 $3,780 $5,745 $2,607
Liberty Mutual $3,890 $5,981 $4,651 $4,127
Nationwide $2,661 $3,384 $4,227 $2,910
Progressive $3,007 $4,447 $3,426 $3,644
State Farm $2,124 $2,526 $2,325 $2,325
Travelers $3,908 $4,018 $5,809 $4,189
USAA $1,816 $2,561 $3,070 $2,190

Cheapest Fort Thomas, KY Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Fort Thomas, Kentucky

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,263 $12,669
GEICO $5,970 $7,071
Liberty Mutual $10,754 $11,933
Nationwide $5,248 $6,510
Progressive $8,563 $9,669
State Farm $4,296 $5,459
Travelers $9,192 $14,669
USAA $4,371 $4,588

Cheapest Fort Thomas, KY Car Insurance for Seniors

Take a look at Fort Thomas, 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 Fort Thomas, Kentucky

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,698 $2,876
GEICO $2,980 $2,699
Liberty Mutual $2,039 $2,279
Nationwide $2,153 $2,240
Progressive $1,560 $1,563
State Farm $1,290 $1,290
Travelers $1,897 $1,897
USAA $1,457 $1,467

Cheapest Fort Thomas, KY Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Fort Thomas, Kentucky

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,096
GEICO $5,745
Liberty Mutual $4,651
Nationwide $4,227
Progressive $3,426
State Farm $2,325
Travelers $5,809
USAA $3,070

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Cheapest Fort Thomas, KY Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Fort Thomas, Kentucky

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,267 $5,267
GEICO $3,531 $3,598
Liberty Mutual $4,662 $4,662
Nationwide $3,295 $3,295
Progressive $3,631 $3,631
State Farm $2,266 $2,384
Travelers $4,481 $4,481
USAA $2,321 $2,497

The Best Cheap Car Insurance Companies in Fort Thomas, KY

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

Average Annual Car Insurance Rates by Company in Fort Thomas, Kentucky

Insurance Company Average Annual Rates
Allstate $5,267
GEICO $3,565
Liberty Mutual $4,662
Nationwide $3,295
Progressive $3,631
State Farm $2,325
Travelers $4,481
USAA $2,409

Category Winners: Cheapest Car Insurance in Fort Thomas, Kentucky

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

Best Annual Car Insurance Rates by Company in Fort Thomas, Kentucky

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

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Cheapest Fort Thomas, KY Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Fort Thomas, Kentucky

Insurance Company Low Medium High
Allstate $4,893 $5,246 $5,662
GEICO $3,341 $3,553 $3,801
Liberty Mutual $4,467 $4,639 $4,881
Nationwide $3,289 $3,267 $3,330
Progressive $3,358 $3,600 $3,934
State Farm $2,166 $2,324 $2,486
Travelers $4,257 $4,506 $4,680
USAA $2,288 $2,403 $2,535

What affects car insurance rates in Fort Thomas, Kentucky?

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

Commute Time in Fort Thomas

The more time you spend in your car the higher the risk of an accident. The average commute length in Fort Thomas, KY is 19.5 minutes according to City-Data.

Compare Car Insurance Quotes in Fort Thomas, KY

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

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