Cheap Auto Insurance Quotes in Covington, KY (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$86
$148
$171
$186
ProgressiveState FarmTravelersThe General
Monthly $

Cheapest Car Insurance in Covington, KY

Here are the cheapest carriers in Covington for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$183
$273
$155
$137
$200
$148
KentuckyLouisvilleBowling GreenOwensboroRichmondCovington
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Covington, KY Driving Facts

kentucky

Minimum Car Insurance Requirements in KY

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 available when:

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

The minimum liability car insurance requirements for private passenger vehicles in Kentucky are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Kentucky state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Kentucky law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Kentucky is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $10,000/person Personal Injury Protection (PIP)

Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found at-fault. Medical expenses are covered by this type of protection, and a minimum of $10,000 is required for minimum coverage in Kentucky. 

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

Insurify Insights: How Covington Drivers Measure Up

hyundai
Hyundai Elantra
Most Popular Car in
Covington, KY
suspended licenses
#22
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Covington drivers measure up to their fellow Kentucky motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Covington

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 paid on average 60.48% more than drivers with a clean record

Speeding Covington

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 paid on average 30.54% more than drivers with a clean record

DUI/DWIs Covington

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 paid on average -91.02% more than drivers with a clean record

Most Popular Vehicle Covington

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.

Rude Covington

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 paid on average --% more than drivers with a clean record.

Safest Drivers Covington

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%

Failure to Yield the Right of Way Covington

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 paid on average --% more than drivers with a clean record

Reckless Drivers Covington

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%

Hybrid/Electric Vehicle Ownership Covington

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 Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.