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Cheap Auto Insurance Quotes in Covington, KY (June 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Covington, KY

The average cost of Kentucky car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Covington, KY to find you the cheapest quotes in the area.

Quick Facts

  • The average cost of car insurance in Covington is $188 per month, or $2256 annually.
  • Car insurance in Covington is $47 less than the average cost of car insurance in Kentucky.
  • The cheapest car insurance provider in Covington on average is Kemper Preferred, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$86
State Farm
$148
Travelers
$171
The General
$186

Cheapest Car Insurance in Covington, KY

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
Insurance Provider in CovingtonQuotes
Progressive$86 /mo
State Farm$148 /mo
Travelers$171 /mo
The General$186 /mo

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Average Car Insurance Cost

Kentucky Cities
Louisville$273/mo
Bowling Green$155/mo
Owensboro$137/mo
Richmond$200/mo
Covington$148/mo
Kentucky$183/mo
Owensboro
$137
Covington
$148
Bowling Green
$155
Average for KY
$183
Richmond
$200
Louisville
$273
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Kentucky

All motor vehicles operated or parked on Kentucky roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Kentucky[1] are:

  • $25,000 per person for bodily injury
  • $50,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Kentucky is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $10,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

Find local Covington agents

  • Chas H. Bilz Insurance Agency, Inc.

    412 Madison Ave.,
    Covington, KY 41011-1520
  • Burkhart Insurance Agency

    803 Scott St,
    Covington, KY 41011
  • Covington Insurance

    50 E Rivercenter Blvd # 409,
    Covington, KY 41011
  • Best Insurance Services Inc

    6 E 5th St,
    Covington, KY 41011
  • Home Insurance Group

    100 E Rivercenter Blvd # 240,
    Covington, KY 41011
  • Curt Nortman - State Farm Insurance Agent

    4333 Winston Ave,
    Covington, KY 41015
  • NKY Auto & Homeowners Insurance

    124 W Pike St,
    Covington, KY 41011
  • Berger James

    412 Madison Ave,
    Covington, KY 41011
  • Sherrill Morgan

    525 W 5th St,
    Covington, KY 41011
  • Valley National Administrative Services

    231 Scott Blvd,
    Covington, KY 41011
View more

FAQs - Covington, KY Car Insurance

  • Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim.
  • If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Covington Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Covington, Kentucky below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Covington drivers measure up to their fellow motorists across Kentucky in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

hyundai

Hyundai Elantra

Most Popular Car in Covington

#10

City with the Most Speeding Tickets Rank in Kentucky

#20

City with the Most Moving Violations Rank in Kentucky

#15

City with the Most DUIs Rank in Kentucky

#38

City with the Most Suspended Licenses in Kentucky

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Covington drivers rank 18 in the number of car accidents per driver across all cities in Kentucky.

    • Rank within state: #18
    • Percent of drivers in Covington with an accident: 9.09%
    • Drivers in Covington, KY with an accident in their driving history pay on average 60.48% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kentucky, Covington drivers rank 10 in the number of speeding infractions per driver.

    • Rank within state: #10
    • Percent of drivers in Covington with a speeding ticket: 8.9%
    • Drivers in Covington, KY with a speeding ticket in their driving history pay on average 30.54% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Covington drivers rank 15 in the number of DUI’s per driver across all cities in Kentucky.

    • Rank within state: #15
    • Percent of drivers in Covington with a DUI: 3.09%
    • Drivers in Covington, KY with a DUI in their driving history pay on average -91.02% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Covington is the Hyundai Elantra.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Kentucky, Covington drivers rank 10 in rude driving infractions.

    • Rank within state: #10
    • Percent of drivers in Covington with a reckless driving violation: 0.97%
    • Drivers in Covington, KY with a reckless driving violation in their driving history pay on average 0% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Covington drivers rank 10 in clean driving records across all cities in Kentucky.

    • Rank within state: #10
    • Percent of drivers in Covington with clean record: 82.2%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Covington drivers rank 5 in failure to yield violations per driver across all cities in Kentucky.

    • Rank within state: #5
    • Percent of drivers in Covington with a failure to yield violation: 0.19%
    • Drivers in Covington, KY with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Kentucky, Covington drivers rank 3 in the number of reckless driving offenses per driver.

    • Rank within state: #3
    • Percent of drivers in Covington with a reckless driving offense: 0.19%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Covington drivers rank 6 in hybrid and electric vehicle ownership across all cities in Kentucky.

    • Rank within state: #6
    • Percent of drivers in Covington with a hybrid/electric vehicle: 0.82%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. Kentucky Department of Insurance. "State Minimum Car Insurance Requirements." Accessed May 28, 2022