Covington, KY Car Insurance – 2024 Rates + Comparisons

• Average car insurance cost in Covington is $1,964 per year, or $164 per month, for a full-coverage policy.
• Car insurance rates for a few popular vehicles in Covington include the Nissan Altima at $2,130 per year, Ram Truck at $2,272, and Subaru Forester at $1,752.
• Compact SUVs like the Mazda CX-5, Hyundai Venue, and Kia Soul are some of the top choices for cheap car insurance in Covington.
• A few models with segment-leading car insurance rates include the Acura RDX, Nissan Titan, Acura Integra, Hyundai Ioniq 6, and Mercedes-Benz CLA250.
• Auto insurance quotes in Covington can range from as little as $33 per month for a liability-only policy to well over $657 per month for drivers requiring a high-risk policy.

How much does Covington car insurance cost?

The average cost of car insurance in Covington is $1,964 per year, which is about $164 per month. Covington car insurance costs 4.2% more than the national average rate of $1,883.

In the state of Kentucky, average car insurance cost is $2,034 per year, so the average cost in Covington is $70 less per year. The cost of auto insurance in Covington compared to other Kentucky cities is around $46 per year more than in Bowling Green, $92 per year more than in Owensboro, and $806 per year cheaper than in Louisville.

The next chart summarizes average auto insurance cost in Covington, KY, broken out based on a variety of driver ages and possible risk profiles. Rates are averaged for all 2024 vehicle models including luxury vehicles.

In the chart above, the cost of car insurance in Covington ranges from $1,632 per year for a 40-year-old driver who shops around for the cheapest Covington car insurance rates to $4,520 per year for a 30-year-old driver who has a subpar driving record and has to buy high risk car insurance. From a monthly budget standpoint, the average cost in the previous chart ranges from $136 to $377 per month.

Car insurance rates are different for every driver and can also be significantly different between companies. The likelihood of significant rate variability reinforces the need for accurate auto insurance quotes when looking for the cheapest rate.

Driver age influences the price you pay for auto insurance, so the list below illustrates this by breaking out average car insurance rates in Covington for drivers from 16 to 60.

Covington, Kentucky, car insurance cost by driver age

• 16-year-old driver – $7,001 per year or $583 per month
• 17-year-old driver – $6,781 per year or $565 per month
• 18-year-old driver – $6,078 per year or $507 per month
• 19-year-old driver – $5,536 per year or $461 per month
• 20-year-old driver – $3,954 per year or $330 per month
• 30-year-old driver – $2,096 per year or $175 per month
• 40-year-old driver – $1,964 per year or $164 per month
• 50-year-old driver – $1,742 per year or $145 per month
• 60-year-old driver – $1,630 per year or $136 per month

The rates in the list above for insuring teenage drivers were based on a male driver. The next chart goes into more detail for teenage car insurance rates and separates average car insurance cost for teenagers in Covington, Kentucky, by gender. In general, female drivers tend to have cheaper auto insurance, especially as teenagers.

Car insurance for a 16-year-old female driver in Covington costs an average of $463 less per year than the cost for a male driver, while at age 19, the cost difference is much less but is still $857 per year.

Popular models and the cost of insurance

The car insurance rates referenced up to this point are averaged for all 2024 vehicle models, which is useful for making broad comparisons such as the average cost difference between different locations in Kentucky.

But for more useful auto insurance cost comparisons, we will get better data if we instead use rates for the exact vehicle being insured. In the next few article sections, we get into both rates by vehicle segment and rates for specific vehicles, but for now, a few of the most popular models will be used to see how car insurance prices stack up in Covington.

The following list breaks down the cost of car insurance for both annual and monthly terms for a handful of the more popular vehicles found on the streets of Covington. Later on, there is a section that covers additional factors that affect the cost of insuring some of these models in more detail.

Auto insurance rates for popular models in Covington

• Nissan Altima – $2,286 per year or $191 per month
• Ram Truck – $2,437 per year or $203 per month
• Subaru Forester – $1,881 per year or $157 per month
• Ford Escape – $1,921 per year or $160 per month
• GMC Sierra – $2,331 per year or $194 per month
• Toyota Tacoma – $2,133 per year or $178 per month
• Nissan Rogue – $1,893 per year or $158 per month
• Chevrolet Equinox – $1,940 per year or $162 per month
• Honda Civic – $1,865 per year or $155 per month
• Jeep Wrangler – $2,404 per year or $200 per month

What are the cheapest vehicles to insure in Covington?

The vehicles with the cheapest average auto insurance rates in Covington tend to be crossovers and compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, and Nissan Kicks. Average auto insurance prices for those crossover SUVs cost $1,708 or less per year for full coverage.

Other models that have very good car insurance rates in our car insurance cost comparison are the Honda CR-V, Buick Encore, Chevrolet Colorado, and Acura RDX.

Average insurance cost is a little bit more for those models than the cheapest compact SUVs and crossovers at the top of the list, but they still have an average insurance cost of $1,806 or less per year in Covington.

The table below ranks the vehicles with the cheapest overall insurance rates in Covington, ordered by annual cost.

A table of 25 vehicles with the cheapest insurance in Covington is great if you’re just wanting the lowest rates. A more efficient way to look at rates for many more vehicles is by breaking them out by segment.

The next section of this article showcases the different automotive segments and the average cost of car insurance in Covington. The rates shown should provide a decent understanding of which types of vehicles have the overall best auto insurance rates in Covington. The sections after the chart will break out the 20 models with the most affordable insurance for each automotive segment.

Average car insurance rates by segment

If you’re shopping for a new vehicle, it’s important to know which styles of vehicles have cheaper car insurance rates in Covington.

For instance, maybe you want to know if midsize cars have cheaper auto insurance than midsize SUVs or which size car has more affordable insurance.

The next chart displays average car insurance rates by segment in Covington. When looking at rates from a segment perspective, compact and midsize SUVs, vans, and midsize pickups tend to have the most affordable rates, while exotic high-performance models have the most expensive insurance rates.

Car insurance rates by segment are practical to make a general comparison, but insurance cost varies greatly within each vehicle segment displayed in the chart above.

For example, in the small SUV segment, auto insurance rates in Covington range from the Subaru Crosstrek costing $1,452 per year up to the Ford Mustang Mach-E at $2,300 per year. As another example, in the midsize truck segment, average rates range from the Chevrolet Colorado at $1,680 per year up to the Rivian R1T costing $2,450 per year.

In the following sections, we eliminate this variability by analyzing the cost of car insurance in Covington for individual models.

Cheapest car insurance rates in Covington, Kentucky

Ranking at the top for the lowest-cost Covington car insurance rates in the sedan or hatchback segment are the Subaru Impreza, Toyota GR Corolla, Nissan Leaf, Nissan Sentra, and Honda Civic. Car insurance quotes for these models average $151 or less per month.

Also ranking in the top 10 are models like the Chevrolet Malibu, Kia K5, Toyota Prius, and Honda Accord, with average rates of $1,904 per year or less.

In the lower half of the top 20 cars to insure, models like the Toyota Crown, Nissan Versa, Subaru Legacy, Mazda 3, and Volkswagen Arteon average between $1,904 and $2,032 per year for full-coverage insurance.

As a cost per month, auto insurance rates on this segment in Covington for a middle-age safe driver will start around $142 per month, depending on the company. The table below ranks the twenty cars with the lowest-cost car insurance in Covington, starting with the Toyota GR Corolla at $1,706 per year and ending with the Mazda 3 at $2,032 per year.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see rates for your vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Covington car insurance quotes from top companies in Kentucky.

Cheap SUVs to insure in Covington, KY

The four cheapest SUVs to insure in Covington are the Subaru Crosstrek at $1,452 per year, Chevrolet Trailblazer at $1,476 per year, Kia Soul at $1,534 per year, and Nissan Kicks at $1,546 per year.

Not the cheapest in the list, but still ranking well, are models like the Mazda CX-5, Toyota Corolla Cross, Buick Envision, and Hyundai Venue, with an average cost to insure of $1,610 per year or less.

Additional models that rank well include the Subaru Outback, Kia Niro, Honda CR-V, Honda HR-V, and Volkswagen Tiguan, which cost between $1,610 and $1,710 per year for insurance.

Auto insurance rates in this segment starts at an average of $121 per month, depending on the company.

When ranked by vehicle size, the most affordable non-luxury compact SUV to insure in Covington is the Subaru Crosstrek at $1,452 per year, or $121 per month. For midsize SUVs, the Honda Passport is the cheapest model to insure at $1,564 per year, or $130 per month. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $1,844 per year, or $154 per month.

The next table ranks the twenty SUVs with the lowest-cost insurance in Covington, starting with the Subaru Crosstrek at $1,452 per year ($121 per month) and ending with the Honda HR-V at $1,710 per year ($143 per month).

For more car insurance comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Is your SUV not in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Kentucky.

Pickups with cheap car insurance in Covington

The four most affordable pickup trucks to insure in Covington are the Chevrolet Colorado at $1,680 per year, Nissan Titan at $1,838 per year, Nissan Frontier at $1,856 per year, and Ford Ranger at $1,878 per year.

Additional pickups that have cheaper rates are the GMC Canyon, GMC Sierra 2500 HD, Honda Ridgeline, and Hyundai Santa Cruz, with average insurance cost of $2,022 per year or less.

As a cost per month, auto insurance rates on this segment in Covington for an average middle-age driver starts at around $140 per month, depending on the company and where you live. The comparison table below ranks the twenty pickups with the lowest-cost car insurance rates in Covington, starting with the Chevrolet Colorado at $1,680 per year and ending with the Ram Truck at $2,272 per year.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Don’t see insurance rates for your pickup? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Covington car insurance quotes from top auto insurance companies in Kentucky.

Sports cars with cheap car insurance rates

The four lowest-cost sports cars to insure in Covington are the Mazda MX-5 Miata at $1,818 per year, Toyota GR86 at $2,070 per year, Ford Mustang at $2,162 per year, and BMW Z4 at $2,170 per year.

Other cars that rank well in our comparison are the Lexus RC F, Toyota GR Supra, BMW M2, and Subaru BRZ, with an average cost of $2,352 per year or less.

Additional cars that rank well include the Porsche 911, Chevrolet Corvette, BMW M4, Chevrolet Camaro, and Porsche 718, which average between $2,352 and $3,328 to insure per year in Covington.

On a monthly basis, auto insurance rates in this segment for a safe driver will start around $152 per month, depending on the company and where you live.

The table below ranks the sports cars with the cheapest average car insurance rates in Covington, starting with the Mazda MX-5 Miata at $1,818 per year ($152 per month) and ending with the Porsche Taycan at $3,328 per year ($277 per month).

Don’t see your sports car? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Kentucky.

Luxury cars with cheap auto insurance

The top three luxury car models with the lowest-cost auto insurance in Covington are the Acura Integra at $1,748 per year, the BMW 330i at $2,002 per year, and the Mercedes-Benz CLA250 at $2,022 per year.

Additional luxury cars that have affordable insurance rates include the Lexus RC 300, Mercedes-Benz AMG CLA35, Cadillac CT4, and Lexus ES 350, with average cost of $2,066 per year or less.

From a cost per month standpoint, car insurance rates in this segment for the average driver can cost as low as $146 per month, depending on your location.

The most budget-friendly small luxury car to insure in Covington is the Acura Integra at $1,748 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,022 per year. And for full-size models, the Audi A5 has the best rates at $2,326 per year.

The table below ranks the twenty luxury cars with the lowest-cost average auto insurance rates in Covington.

See our guide for luxury car insurance to compare rates for all makes and models.

Need rates for a different vehicle? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Covington car insurance quotes from top-rated auto insurance companies in Kentucky.

Cheap luxury SUVs to insure in Covington, KY

Ranking #1 in Covington for the most affordable average insurance rates in the luxury SUV segment is the Acura RDX, at an average of $1,642 per year. Second place is the Lexus NX 250 at $1,738 per year, third place goes to the Cadillac XT4, at an average of $1,774 per year, and coming in fourth is the Jaguar E-Pace, at an average of $1,838 per year.

Additional models that are affordable to insure are the Mercedes-Benz GLB 250, Lexus NX 350h, Lexus NX 450h, and Lincoln Corsair, with an average car insurance cost of $1,894 per year or less.

Additional luxury SUVs that made the list include the Lexus RX 350, Infiniti QX60, Mercedes-Benz GLA250, Mercedes-Benz AMG GLB35, and Infiniti QX50, which cost between $1,894 and $1,972 per year for full-coverage insurance in Covington.

Full-coverage car insurance in this segment for a good driver will start around $137 per month, depending on the company.

The cheapest small luxury SUV to insure in Covington is the Acura RDX at $1,642 per year. For midsize luxury SUVs, the Jaguar E-Pace is cheapest to insure at $1,838 per year. And for full-size luxury SUVs, the Infiniti QX80 is cheapest to insure at $2,202 per year.

The next table ranks the luxury SUVs with the most affordable average auto insurance rates in Covington, starting with the Acura RDX at $1,642 per year and ending with the Lexus NX 350 at $1,972 per year.

See our comprehensive guide for luxury SUV insurance to view data for vehicles not featured in the table.

Need rates for a different luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Covington car insurance quotes from top companies in Kentucky.

Tips for saving money on Covington car insurance

Financially savvy drivers in Covington should always be searching for ways to cut the monthly cost of insurance So take a minute to review the tips and ideas in this next list and maybe you can save a little money on your next policy.

• Keep your claim-free discount. Insurance companies give a discounted rate if you have not filed any claims. Auto insurance is intended to be used for large financial hits, not minor claims.
• Be a responsible driver and save. Causing too many accidents will raise rates, possibly up to $2,810 per year for a 20-year-old driver and even as much as $818 per year for a 40-year-old driver. So be a cautious driver and save.
• Improve your credit for cheaper auto insurance rates. Drivers who have credit scores over 800 could save $308 per year versus a credit rating of 670-739. Conversely, a poor credit score could cost as much as $357 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Increasing deductibles lowers insurance cost. Boosting your deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
• Find cheaper rates by qualifying for policy discounts. Discounted rates may be available if the insured drivers are military or federal employees, are good students, work in certain occupations, are claim-free, or many other policy discounts which could save the average Covington driver as much as $332 per year on the cost of auto insurance
• Your employment could lower your rates. Some auto insurance companies offer policy discounts for working in professions like doctors, engineers, lawyers, dentists, scientists, architects, and others. Having this discount applied to your policy could potentially save between $59 and $191 on your yearly auto insurance bill, depending on the age of the rated driver.
• Obey driving laws to keep insurance cost low. If you want cheap auto insurance in Covington, it pays to follow the law. A few moving violations have the consequences of increasing policy rates by at least $524 per year.