For a 40-year-old driver with a clean record, car insurance in Covington, KY, averages about $203 a month ($2,438 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That puts it 11% under Kentucky’s $229 monthly average. Travelers has the lowest full-coverage average in our Covington table, at about $118 a month.
Covington, across the Ohio River from downtown Cincinnati, costs less to insure than most of Kentucky. Our benchmark driver pays about $26 a month less here than the state average. Compare Covington, KY car insurance quotes with these averages in hand.
Our data covers three ZIP codes with a Covington mailing address: 41011 averages about $200 a month, 41014 $204 and 41016 $206. The Latonia neighborhood has its own postal name and ZIP code, 41015, which averages about $201.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Covington ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
For a 40-year-old driver with a clean record, car insurance in Covington, KY, runs about $203 a month ($2,438 a year) for full coverage, or $70 for liability-only coverage at 25/50/10 limits, using rates insurers had filed with state regulators as of Aug. 31, 2026. The Kentucky average is $229 a month, so that figure is 11% lower.
Most published 2026 statewide Kentucky rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA, which sells only to military families. For liability-only coverage at 25/50/10 limits, State Farm has the lowest average among these five insurers, at about $53 a month, with Kentucky Farm Bureau close behind at $56.
Full-coverage averages by insurer in Covington
Monthly, for the same driver and car.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $758 | $63 | $1,483 | $124 |
| State Farm | $636 | $53 | $1,880 | $157 |
| Safeco | $797 | $66 | $2,490 | $208 |
| Kentucky Farm Bureau | $677 | $56 | $2,944 | $245 |
| Allstate | $1,303 | $109 | $3,394 | $283 |
| Travelers* | $553 | $46 | $1,413 | $118 |
| Shelter Insurance* | $736 | $61 | $1,649 | $137 |
| GEICO* | $626 | $52 | $1,795 | $150 |
| Auto-Owners* | $697 | $58 | $1,971 | $164 |
| Covington average | $834 | $70 | $2,438 | $203 |
This table uses Covington ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Across the three Covington ZIP codes we price, full coverage for our driver ranges from about $200 a month in 41011 to $206 in 41016, a gap of $77 a year. The three are within about $6 a month of each other, so the insurer you choose matters far more than the ZIP code here.
Lowest-priced Covington ZIP code
Highest-priced Covington ZIP code
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Covington’s average.
| ZIP Code: | Liability Only 25/50/10 (Yearly): | Liability Only 25/50/10 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 41011 | $813 | $68 | $2,397 | $200 | -1% |
| 41014 | $847 | $71 | $2,444 | $204 | About average |
| 41016 | $842 | $70 | $2,474 | $206 | +1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Covington data: with the same $500 deductibles, full coverage averages $2,438 a year and 50/100/50 averages $2,417. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Safeco charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Not for our benchmark driver. Comparing the same insurers in the same Covington ZIP codes, full coverage averaged $2,637 a year nine months earlier and $2,438 in rates as of Aug. 31, 2026, a 7.5% drop. Progressive cut its Covington average 25.0%, Kentucky Farm Bureau 9.5% and State Farm 9.2%, while Allstate’s and Safeco’s averages were unchanged. Liability-only coverage at 25/50/10 limits fell 4.1%, led by Progressive, which cut its liability-only average 15.8%, while Kentucky Farm Bureau raised its 1.8%.
Northern Kentucky is one of the less expensive parts of the state in our data. Kenton County averages $2,405 a year for full coverage, and nearby Fort Mitchell averages about $195 a month, Erlanger $197 and Newport, across the Licking River, $195.
Your bill also carries a local premium tax. Covington charges 12% on car insurance for 2026-27, according to the Kentucky Department of Insurance’s local premium tax schedule, or about $120 on a $1,000 premium. That’s the highest listed rate among the Kentucky cities we cover in depth. Our Kentucky car insurance tax by city guide lists the rate for every Kentucky city and county.
More Kentucky cities and towns are in the Kentucky rates by city table, and you can compare states on our car insurance rates by state page.
Florence, about nine miles southwest, averages $193 a month, and Independence, about 10 miles south, $201. Lexington, about 72 miles south, averages $198.
Drivers in Covington follow Kentucky’s rules. Every policy must include at least:
Kentucky is a choice no-fault state, so you can also file a form with the state to keep your full right to sue after a crash. Our Kentucky requirements guide covers that choice and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from Kentucky law and the Kentucky Department of Insurance. We refresh these figures when new rate data is released.
Car insurance in Covington, KY, costs about $203 a month ($2,438 a year) for full coverage and $70 for liability-only coverage at 25/50/10 limits, for a 40-year-old driver with a clean record, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 11% below the Kentucky average of $229 a month.
Travelers has the lowest full-coverage average in our Covington table, at about $118 a month, followed by Progressive at $124, the lowest of the five major insurers we compared; State Farm is next among them, at $157. For liability-only coverage at 25/50/10 limits, State Farm has the lowest average among the five major insurers we compared, at about $53 a month. Most published 2026 statewide Kentucky rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes. Kentucky lets cities and counties tax insurance premiums, and Covington’s rate on car insurance is 12% for 2026-27, according to the Kentucky Department of Insurance’s schedule, or about $120 on a $1,000 premium. Your insurer must show the tax and the taxing jurisdiction on your bill.
In our data, 41011 has the lowest full-coverage average in Covington, at about $200 a month, and 41016 the highest, at about $206. The ZIP code table on this page lists all three.
In our Covington data, full coverage (100/300/100 with $500 deductibles) averages about $203 a month and liability-only coverage at 25/50/10 limits about $70, a difference of about $133 a month ($1,604 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Kentucky law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Covington must carry Kentucky’s minimums: $25,000 per person and $50,000 per crash in bodily injury liability and $25,000 in property damage liability (or a single $60,000 limit), $10,000 of personal injury protection and uninsured motorist coverage of $25,000 per person and $50,000 per crash unless you reject it in writing. Our liability-only prices use 25/50/10 limits, a lower property damage limit than the law requires.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Covington full coverage fell 7.5% over the past nine months, from about $2,637 to $2,438 a year. Progressive cut its Covington average 25.0%, Kentucky Farm Bureau 9.5% and State Farm 9.2%. Liability-only coverage at 25/50/10 limits fell 4.1%.
For our benchmark driver, full coverage in Covington averages about $203 a month. Nearby, Independence averages about $201, Florence about $193 and Georgetown about $197. Independence, Florence and Georgetown are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
