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How much is car insurance in Covington?
|Area||Average Monthly Car Insurance Premium|
Based on the chart above, you can see that auto insurance rates in Covington are in line with rates across the rest of Georgia.
Conversely, residents of Covington might expect to pay higher rates for coverage than the rest of the country. The average monthly payment for the rest of the U.S. is about is about $22 cheaper than it is in Covington.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in the final dollar amount you'll be asked to pay each month.
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 the bill you'll see each month. If you think you might be overpaying for insurance in your area, enter your ZIP Code below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||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 car insurance premiums. In this case, 18-24-year-olds pay $64 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. Covington drivers may see their rates climb back up once they hit retirement age.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Covington, the difference comes out to about $5 per month. As you can see in the chart above, car insurance for women in the area typically costs around $100 each month, while men pay $105 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can vary wildly depending on your driving record. Drivers with clean records can expect to pay significantly less than those with accidents or violations. In Covington, a driving record with one accident will usually get you a rate around $129 a month. Likewise, drivers with one ticket will be looking at a rate of around $131 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$111|
|15 Years or Older||$98|
If you look at the first table above, you'll see that trucks and vans are typically the cheapest vehicles to insure in Covington, with drivers paying around $89 per month for insurance coverage.
SUV drivers will see rates of about $102 for insurance coverage, while car owners by and large pay around $104 a month.
Depending on how old your vehicle is, you can also expect to see slightly different rates. Newer vehicles are generally going to be the most expensive to insure. Once your car is about 5 years old, however, your monthly bill may start to dip back down. The most expensive vehicles to insure in Covington, for example, are vehicles four-to-five years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$109|
Overall, people who are married will pay slightly less for auto insurance coverage. This occurs because insurance companies commonly 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 $23 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$125|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment in Covington, expect to pay around $7 a month more than if you are a homeowner. But if you live with your parents, your rates will be significantly higher.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Covington, GA
Recent trends in car insurance for Covington drivers
Average rates are constantly changing, so it's a good idea to know the direction your area is trending before choosing when and where to shop.
In Covington, the rates for auto insurance went up consistently from 2016-2020. They finished down in 2021, at $121.
How does Covington compare to neighboring areas?
Why are car insurance rates in Covington different from other areas?
There are many factors car insurance companies take into consideration when deciding how much to charge for coverage. Many factors affecting your policy are based around your home address. These factors include things like:
- Off-street parking accessibility
- Rate of car accidents
- Community regulations
- Area crime rates
- Amount of drivers in the area
You can't change these factors yourself, but they're something to take into consideration when shopping for a new policy or looking to move into an area. 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?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Good news! Compare.com has you covered. Put in your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from a number of the car insurance companies offering auto coverage in Covington in no time.
Covington Insurance FAQs
What factors affect car insurance quotes in Covington?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your gender and age, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Covington different from other neighboring cities?
Things like parking situations, crime rates, and local laws, 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 will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Covington?
Whenever you move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart 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, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Covington or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.