Covington Car Insurance

(Find the right car insurance policy for you.)

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


Nestled at the point where the Ohio and Licking rivers meet, you'll find the charming city of Covington waiting with endless things to see and do. This city is rich in history, with 19 distinct neighborhoods and 12 historic districts. When you make your home here, you'll enjoy a laid back lifestyle in one of the safest cities in Kentucky. In fact, the biggest threat residents face is the routine car accident. That's why every driver should invest in a comprehensive Covington car insurance policy.

Choosing the right auto insurance in Covington is easy with help from our Independent Insurance Agents. Our experienced agents are familiar with Covington, and they can guide you to the policies that are best suited for your lifestyle and budget. You can compare quotes from multiple policies in one convenient place, making it much easier to find a Covington car insurance policy that is right for you.

Cost of Car Insurance in Kentucky

  • National average cost per year: $1,311
  • Kentucky average cost per year: $1,341
  • 21st most expensive auto premium in the U.S.

Auto insurance premiums are a little higher than average in Kentucky, but you can still find an affordable rate by comparing quotes on multiple policies. Covington car insurance policies can vary in cost because several key factors will always be considered. The make and model of your car, your driving record, and your age are just a few variables that can influence how much you pay for auto insurance in Covington.

Kentucky Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 25/50/10

Drivers in Kentucky are legally required to carry a minimum of $25,000 in liability coverage for individual injuries, $50,000 total for all injuries and $10,000 for property damage. While these are minimums required by law, many drivers opt to purchase higher liability coverage just in case. If the actual costs of an accident exceed your coverage limits, you'll be stuck paying the rest out of pocket, so it's always a good idea to get as much liability coverage as you can reasonably afford. 


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Our independent agents shop around to find you the best coverage.

Number of Uninsured Motorists in Kentucky

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Kentucky drivers: 15.8%

During an average day on the road in Covington, you will pass hundreds of cars. It's a little intimidating to consider that 15.8 percent of the drivers you encounter are uninsured. If you end up in a car wreck with an uninsured driver, you could be stuck paying for the damage to your car out of pocket. That's why many Kentucky drivers add uninsured motorist coverage to their auto insurance policies. This offers an added layer of protection that provides a lot of peace of mind when you're on the crowded roadways.

Number of Auto Thefts in Kentucky

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Kentucky: 1.87

Discovering that your car has been stolen can be a terrifying feeling. Fortunately, Kentucky has a lower rate of car theft than the national average, but it's still a serious concern. Choose to add auto theft coverage to your Covington car insurance policy so you have adequate protection in case this tragedy happens to you.

Find a Great Covington Car Insurance Policy

Covington is a wonderful place to call home, but before you get out on the road, make time to select a comprehensive car insurance policy. When you choose an affordable Covington auto insurance plan, you are building safeguards to protect your family from the financial burden of car accidents and resulting injuries. Our Independent Agents can offer you an in-depth look at your coverage choices and provide quotes from multiple policies. After you weigh your options and select the right plan, you'll have peace of mind each time you get behind the wheel. 

Contact an agent today to start searching for the best Covington car insurance.

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