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How much is car insurance in Covington?
|Area||Average Monthly Car Insurance Premium|
Looking at the chart above, you can see that the average monthly price is about the same in Covington as it is in the rest of Georgia.
Compared to the national average cost of auto coverage, Covington has higher rates. The cost of insuring a vehicle in Covington is about $26 more expensive than the average rate for the rest of the U.S.
While these numbers represent the average monthly payments for coverage in Covington, that doesn't mean it's what you'll pay. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly payment amount.
But don't worry, we've broken down the average rate for Covington residents based on several different factors so that you can get a more accurate idea of your policy's monthly premium. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Covington Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
It's pretty safe to assume that the older you are, the more experience you have as a driver. That experience can lead to some serious savings when it comes to auto insurance bills. According to the table above, you can see that 18-24-year-olds pay $78 more than someone who is at retirement age.
As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Covington may see their rates climb back up a bit once they hit retirement.
Covington Car Insurance Rates by Gender
In general, car insurance rates for women are usually cheaper than they are for men. In Covington, the difference comes out to about $10 a month. Looking at the table above, you can see that female drivers pay around $102 on average, while male drivers typically pay $112 each month.
Covington Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. A clean driving record will get you a lower rate than one with even just a single accident or infraction. Drivers in Covington with a single accident on their record will usually see rates around $141 a month. Likewise, drivers with one ticket will be looking at a rate of around $134 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.
Covington Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$111|
|15 Years or Older||$101|
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.
Car owners will see a monthly rate of about $109, while SUV owners usually pay around $101 per month.
You can also expect to see slightly different rates depending on how old your vehicle is. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Covington, vehicles four-to-five years old are the most expensive to insure.
Covington Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$114|
Overall, married policyholders will pay slightly less to insure their car. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
On a national scale, single drivers typically pay more than married couples do for auto insurance. Covington is no exception, with the difference totaling to around $29 a month.
Covington Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$121|
One other element taken into consideration is your living accommodations. Drivers who own property in Covington can expect to pay around $9 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your overall costs, depending on your insurance company.
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.
In Covington, auto insurance rates increased steadily from 2017-2021. They finished down in 2022, at $93.
How does Covington compare to neighboring areas?
Why are car insurance rates in Covington different from other areas?
Car insurance companies take in numerous factors when figuring out how much individual insurance policies will cost. Where you live will also have a significant impact on your personal policy. This may include things like:
- Local crime rates
- Road Safety (frequency of car accidents)
- Availability of off-street parking
- 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. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Covington?
While understanding what the average costs are for drivers like you can be helpful as you get an idea of what you might end up paying, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Luckily, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions regarding the factors mentioned above, and you'll be comparing the cheapest quotes from many of the car insurance companies providing auto coverage in Covington.
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Covington Auto 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 address, driving record, marital status, credit score, plus your vehicle's year and make and model.
Why is the cost of car insurance in Covington different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
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 major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea 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?
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