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Get Cheap Car Insurance in Fort Thomas, AZ
We monitor insurance prices, helping the average driver in Fort Thomas save up to 38.6% on car insurance.
The Cheapest Minimum Coverage in Fort Thomas
The chart below shows the cheapest car insurance company in Fort Thomas for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through Metromile, followed by State Farm, Mile Auto, and MetLife.
| Fort Thomas Insurer | Monthly Cost |
|---|---|
| Metromile | $54 |
| State Farm | $55 |
| Mile Auto | $69 |
| MetLife | $69 |
Savings for Every Kind of Fort Thomas Driver
Based on our extensive insurance data, we know the average Fort Thomas driver will save about 39% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $617 per year by choosing the right vehicle insurance company. Some Fort Thomas residents are paying out over $1,595 extra every year for auto insurance in Fort Thomas. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Fort Thomas, AZ Savings / Yr. |
|---|---|
$617 |
|
$548 |
|
$333 |
|
$560 |
|
$1,777 |
|
$314 |
|
$881 |
Fort Thomas Car Insurance vs. Arizona
People living in Fort Thomas pay an average of 12.05% less than the typical driver in the state. The average driver in Fort Thomas can expect to pay about $841 per year, or $1,595 for full coverage.
Based on our analysis, Safeco Insurance will be the cheapest provider in Fort Thomas for most people.
Car Insurance Prices by Fort Thomas Neighborhood
Insurance Prices
Where is insurance cheapest within Fort Thomas?
The map shows insurance prices in and around Fort Thomas, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $106 per year within the city boundaries, with insurance premiums ranging from a high of $1,696 to a low of $1,590. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Central parts of Fort Thomas.Pick the Best Car Insurance Company for You in Fort Thomas
The best car insurance provider for most drivers in Fort Thomas
For drivers with clean driving records and no major strikes, Safeco Insurance is the best option, with annual savings of $617 over the average Fort Thomas car insurance company.
The best car insurance provider for Fort Thomas drivers with accidents on their records
In our analysis, Nationwide saved the average person who had been in an accident the most, with annual savings averaging $548 over the competition.
The best car insurance company for Fort Thomas drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $333 better than other car insurance companies.
The best auto insurance for Fort Thomas drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $560 less each year.
The least expensive car insurance company for new and young drivers in Fort Thomas
In Fort Thomas, Geico costs young drivers $1,777 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Fort Thomas
State Farm gave the largest car insurance discounts to married couples, averaging $314 saved each year compared to an average Fort Thomas couple's premiums.
The cheapest car insurance in Fort Thomas for drivers with bad credit
The best Fort Thomas car insurance company for customer service
Nationwide was the best company for customer service in Fort Thomas according to the NAIC.
Recent price drops
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The cheapest large national provider in Fort Thomas
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Fort Thomas driver can expect to pay about $130 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Fort Thomas, USAA has the best prices for married couples, drivers with speeding tickets, drivers with accidents, good drivers, drivers with bad credit, young drivers, and drivers with a DUI conviction.Auto Insurance Prices in and Around Fort Thomas
What Influences the Cost of Car Insurance in Fort Thomas?
On average, car insurance in Fort Thomas is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Arizona state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Fort Thomas are among the highest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Fort Thomas is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Fort Thomas is $70 per month for minimum coverage and $133 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Eden: Insurance costs 0.31% less
- Geronimo: Insurance costs 4.83% more
- Bylas: Insurance costs 6.33% more
- Morenci: Insurance costs 3.45% more
- Clifton: Insurance costs 4.20% more
- Guthrie: Insurance costs the same
- Winkelman: Insurance costs 3.20% more
- Dudleyville: Insurance costs 2.95% more
- Hayden: Insurance costs 3.82% more
- York: Insurance costs 0.19% more
Cities with Similar Populations
- Kirkwood: Insurance costs 3.20% less
- Legonier: Insurance costs 94.23% more
- Lees Creek: Insurance costs 33.35% less
- Leachtown: Insurance costs 3.39% less
- Lax: Insurance costs 2.88% more
- Lawrenceville: Insurance costs 32.73% more
- Lanesboro: Insurance costs 23.01% less
- Lane Village: Insurance costs 6.21% less
- Lamasco: Insurance costs 8.71% more
- Lake Point: Insurance costs 11.54% less