Table of contents
How much is car insurance in Covington?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that the costs for coverage in Covington are in line with rates across the rest of Georgia.
The expected monthly payments for an auto insurance policy in Covington are above the national average. Coverage in Covington is about $25 more expensive than it is for the rest of the U.S.
While these are the average costs to insure your vehicle in Covington, keep in mind that you could end up paying a different amount. Insurance companies take in a variety of factors when determining how much to charge you for coverage. The bill you'll see each month is calculated based on things like age, gender, vehicle make and model, driving record, and in some cases, credit score.
Don't sweat it however, we've broken down average rates for Covington residents based on several different factors so that you can get a more accurate idea of what it might cost to insure your vehicle. To find out if you're overpaying for your area, just enter your ZIP below and find out in minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The more time you have behind the wheel, the more experienced of a driver you should be. That experience can lead to some serious savings when it comes to car insurance bills. As you can see, 18-24-year-olds pay a lot more than someone who is retirement aged.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, your rates may climb back up in Covington.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. The difference in Covington is around $10 a month. As you can see in the chart above, car insurance for women in the area typically costs around $102 each month, while men pay $112 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
One of the key factors in determining your car insurance rates is your driving record. Drivers with clean records will pay much lower rates than those with accidents or violations. Drivers in Covington with a single accident will pay around $141 a month. In addition, drivers with a single ticket on their record can expect to pay around $133 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$111|
|15 Years or Older||$102|
If you look at the first table above, the cheapest vehicles to insure in Covington are by and large trucks and vans, at $100 per month.
SUV drivers will see rates of about $102, while the rates for car owners average out to about $109 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, the most expensive vehicles to insure are going to be newer ones. However, once your car is a few years old you may start to see your rates drop back down a bit. In Covington, the most expensive vehicles to insure are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$114|
On average, those who have settled down into marriage will pay slightly less for car insurance. This occurs because insurance companies commonly award special discounts to policyholders with multiple vehicles that are on the same policy.
The difference in rates based on relationship status in Covington can be as much as $28 a month, so it's worth keeping that in mind.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$121|
Another factor that comes into play is your living situation. Renters can expect to pay around $9 a month more than drivers who own property in Covington. Those who live with their parents, however, can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your average costs.
Car Insurance Companies in Covington, GA
Recent trends in car insurance for Covington drivers
Car insurance rates are frequently changing, so it's in your best interest to understand which way your area is trending before choosing when and where to shop.
The cost of auto insurance coverage in Covington went up steadily from 2017-2021. It finished down in 2022, at $92.
How does Covington compare to neighboring areas?
Why are car insurance rates in Covington different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. While we mentioned the factors that affect your personal policy, others are based around where you live. These include things like:
- Area crime rates
- Off-street parking accessibility
- Local regulations
- Rate of car accidents
- Number of drivers in the area
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider making a move. Get started with a guide like this to get familiar with the average rates of your area.
How can I find the cheapest car insurance in Covington?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just type in your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from the many car insurance companies offering policies in Covington.
Covington Insurance FAQs
What factors affect car insurance quotes in Covington?
Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your vehicle's year, make and model, plus your marital status, address, credit score, and driving record.
Why is the cost of car insurance in Covington different from other neighboring cities?
Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.
Which car insurance company will offer me the cheapest rate in Covington?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Covington?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Covington or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?