Covington, KY Auto Insurance Rates

Covington, KY residents can save $490 by comparing multiple quotes & reading reviews & research on Covington car insurance rates, quotes, agents & coverage.

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$841 $1230 $2225

Latest Auto Insurance Reviews in Covington, Kentucky

State Farm
premiums are high imo but the deductible is basically the same as any other place
Erie Insurance
I know when I had progressive years ago, I just needed roadside assistance and they jumped to be there for me. I do feel it is important now to look closer into these details and pick again.
State Farm
These are the nicest, hardest working people you will find. If you want a cheap rate, flexible payment schedule and reliability this is your company.
I do not know much about the premium and deductible compared to other company's. I am assuming it is just as good with the full coverage option that i currently have on my vehicle.
American National Property And Casualty Company
This car insurance is great. They are friendly, helpful and always willing to explain about any questions you have.
American National Property And Casualty Company
This car insurance is great. They are friendly, helpful and always willing to explain about any questions you have.
Kentucky Farm Bureau
I really like the customer support. I had an accident and they were really helpful. They helped me get my money to get another vehicle.
Erie Insurance
I am fine with the services that I receive. I have recently added home owners insurance via a condo and the people at Erie made that process seamless checking on everything including and escrow account.
Safeco Insurance
overall would be the score I would give them for their offerings. They cover the most important things and offer me the coverage that I needed and wanted for my cars.
Safeco Insurance
their rates for the amount of cars we have at full coverage is a whole lot more reasonable than any other of our local companies. we were with a different company that not only cost more but raised the cost often, so we switched over to this company and never left since
Kentucky Farm Bureau
Well we had Liberty Mutual before and their add says they have accident forgiveness well not true. I had an accident which was not even my fault and our rates jumped to double what they were the year before. We called Farm Bureau and were shocked that they were less than we were paying before the rate jump.
Kentucky Farm Bureau
I appreciate that it is a local company and that all the people working there know us and they are so easy to talk to and ask questions. They will look up anything and text or email it to me when needed
State Farm
I think it is kind of high. But compared to quotes I got from other places it was considerably lower. So I guess it is good. But still I think it could be a little cheaper.
Write Your Review | Covington, Kentucky Auto Insurance Analysis
Safeco Insurance, Covington, KY
$100/1 month
Car Insurance Policy Holder
  • Married 41 Years old Female licensed 16 years ago with Financed Toyota Camry SE used for Business with estimated annual mileage of 15,001 - 20,000.
  • Associate, pursuing Bachelors Degree & Freelancer.
  • No accidents , No traffic tickets , No DUIs , No Licence suspensions .
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 100 K Property Damage
  • 50 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage

Covington Car Insurance Rate Comparisons

Covington, KY's average car insurance of $1230 differs from Crestview Hills, KY (+$1060), Erlanger, KY (-$5), Elsmere, KY (+$680) and Kentucky (+$495)

Covington Crestview Hills, KY Erlanger, KY Elsmere, KY Kentucky
Median Insurance Rates $1230 +$1060 -$5 +$680 +$495

Covington Car Insurance Savings By Neighborhood & Street Area

Covington Driver Street Residence & Car Locations Car Details in Covington Covington Driver Demographics Covington Auto Insurance Estimates Recent Covington Insurance Savings
Winston Park
E 41st St2001 Audi A4 1.8T quattro45 year woman$1371$556
W Southern Ave2004 Acura TSX 31 year married man$1787$975
Jacob Price Homes
Wheeler St2007 Buick Rendezvous CX79 year female senior$1401$953
W 15th St2006 Chrysler 300 C26 year man$1772$491
South Fort Mitchell
Pleasant Ridge Ave2007 Jeep Grand Cherokee Laredo18 year teenager$2526$907
Thompson Ave2008 Mazda Speed 353 year married woman$1022$536
Amsterdam (historical)
Lawton Rd2009 Ford Fusion V6 SEL76 year senior$1267$699
Far Hills Dr2011 Nissan Rogue S69 year male senior$1314$486
Kuhrs Ln2013 Honda Civic LX19 year female teenager$2632$479
Henry Clay Ct2012 Dodge Journey SXT16 year male teenager$2968$551

Covington Post DUI Car Insurance Rates

Covington Delhi Hills, OH Highland Heights Newport Kentucky
Median Post DUI Insurance Rate $2287 -$297 +$912 -$29 +$921
Male Teenager Post DUI Insurance Rate $5832 -$758 +$2325 -$76 +$2348
Female Teenager Post DUI Insurance Rate $5353 -$698 +$2131 -$71 +$2153

The Post DUI insurance in Covington, KY's is $2287 compared to Delhi Hills, OH (-$297), Highland Heights (+$912), Newport (-$29) and Kentucky (+$921)

In Covington, a male teenager with Post DUI pays $479 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2007 Buick Rendezvous CX in Covington, KY would pay $5633 on auto insurance while a female teenager POST DUI would pay $5168.

Covington Car Insurance by Segment

Covington Teenagers Car Insurance Rates Comparison

6955 Covington Teenagers (6% of total population), 52% Male & 48% Female.

Covington Elsmere Park Hills Taylor Mill Kentucky
All Teenagers $3038 +$1679 +$2593 -$223 +$1222
Male Teenager $3136 +$1734 +$2678 -$229 +$1262
Female Teenager $2878 +$1591 +$2457 -$211 +$1158

Covington teenagers pay $3038 in insurance in contrast with Elsmere (+$1679), Park Hills (+$2593), Taylor Mill (-$223) and Kentucky (+$1222). The difference between Male & Female teenagers in Covington is $258


  • 2013 Hyundai Sonata GLS Male Teenager Insurance Rate $2945
  • 2011 Lincoln MKZ Female Teenager Insurance Rate $2976

Covington Men & Women Car Insurance

111226 Covington Adults (100% of total population), 49% Men & 51% Women.

Covington Erlanger Woodlawn Park Hills Kentucky
All Women $1156 -$5 +$498 +$987 +$465
Married Women $1057 -$4 +$456 +$903 +$426
All Men $1734 -$7 +$747 +$1480 +$698
Married Men $1672 -$6 +$721 +$1428 +$674

The typical insurance rate of $1734 that Covington Men pay varies from Erlanger (-$7), Woodlawn (+$747), Park Hills (+$1480) and Kentucky (+$698). In Covington, married men pay $615 more than married women.


  • 2013 Toyota Prius Two Married Men Insurance Rate $1414
  • 2010 Cadillac DTS Luxury Collection Married Women Insurance Rate $1943

Covington Senior Car Insurance

19531 Covington Seniors (17% of total population), 41% Senior Men & 59% Senior Women.

Covington Woodlawn Bromley Fort Wright Kentucky
All Seniors $1414 +$610 +$1127 +$1242 +$569
Senior Men $1389 +$599 +$1108 +$1221 +$560
Senior Women $1451 +$625 +$1156 +$1274 +$584

Covington seniors pay $1414 in insurance compared to Woodlawn (+$610), Bromley (+$1127), Fort Wright (+$1242) and Kentucky (+$569). In Covington, senior men pay $62 less than senior women.

Covington Car Insurance Discounts for Multiple Vehicles

Covington Population with 1 Vehicle 17172 (38% of Covington population), 2 Vehicles 16657 (37% of the Covington population) and 3 vehicles 4874 (11% of the population)

Covington Woodlawn Bromley Crescent Springs Kentucky
2 Vehicles $2337 +$1007 +$1862 +$1995 +$941
3 Vehicles $3567 +$1537 +$2842 +$3045 +$1436
4 Vehicles $4797 +$2067 +$3822 +$4095 +$1931

Car Insurance Agents in Covington, KY

Rank Agent Name Agent Contact
1 Burkhart Insurance Agency 803 Scott St, Covington, KY 41011
2 Chas H Bilz Insurance Agency 412 Madison Ave, Covington, KY 41011
3 Christopher Whitehead 1671 Park Rd Ste 10, Covington, KY 41011
4 Hatfield Insurance Agency 17 W Southern Ave, Covington, KY 41015
5 Northern Kentucky Insurance 625 Madison Ave, Covington, KY 41011

Covington Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Ford, Explorer XLT $300 $1270 $1570 $1200 $1500 $70
Kia, Sorento SX $400 $1230 $1630 $1140 $1540 $90
Infiniti, QX56 $700 $1230 $1730 $1150 $1850 $-120
Ford, Explorer Limited $1500 $1350 $1850 $1270 $2770 $-920
Jeep, Grand Cherokee Laredo $500 $1220 $1720 $1130 $1630 $90