Newport drivers pay an average of $2,131/year — $360 more than the national average. With 168 crashes per year and a 2.1 per 1,000 vehicle theft rate, comparing 5+ carriers can save you up to $355/year.
(888) 217-6781Estimated full coverage auto insurance rates for Newport, KY from top carriers. Rates are adjusted for Newport's 168 annual crashes, 2.1 per 1,000 theft rate, and local risk factors:
| Insurance Company | 6-Month Premium | Monthly Cost |
|---|---|---|
| GEICO ⭐ | $809 | $135/mo |
| Kentucky Farm Bureau | $831 | $138/mo |
| Progressive | $907 | $151/mo |
| State Farm | $994 | $166/mo |
| Allstate | $1,213 | $202/mo |
Estimates based on 2026 rate filings for ZIP 41073. GEICO is cheapest at ~$135/mo. Actual rates vary by driver profile and exact Newport location.
These Newport-specific safety and risk statistics directly impact what you pay for auto insurance:
Compare rates from 5+ insurance companies serving Newport, KY. Takes under 2 minutes.
(888) 217-6781Newport is a smaller city in Kentucky with a population of 14,150. Drivers here generally benefit from lower traffic density and fewer claims than larger metro areas, which translates to more affordable auto insurance. However, local factors such as severe thunderstorms, flooding, ice storms, tornadoes, rural highway speeds, and distance to repair facilities can still impact premiums. Comparing carriers is essential to find the best rate in Newport.
For official Kentucky insurance regulations, visit the Kentucky Department of Insurance. For driver licensing, see the Kentucky Transportation Cabinet.
Your specific ZIP code within Newport can swing your premium by hundreds of dollars. Here's how rates compare across Newport neighborhoods:
| ZIP Code | Neighborhood | Avg. Annual | Monthly |
|---|---|---|---|
| 41076 | Newport South Side | $1,964/yr | $164/mo |
| 41076 | Newport North Side | $2,060/yr | $172/mo |
| 41093 | Newport West Side | $2,147/yr | $179/mo |
| 41077 | Newport East Side | $2,167/yr | $181/mo |
| 41073 | Newport Downtown/Central | $2,285/yr | $190/mo |
The cheapest ZIP is 41076 (Newport South Side) at $1,964/yr. The most expensive is 41073 (Newport Downtown/Central) at $2,285/yr — a $321/year difference for the same driver.
Your Newport ZIP code matters. Call for a rate specific to your exact location.
(888) 217-6781Age is one of the biggest rating factors in Newport. Here's how rates differ by age group:
| Age Group | Avg. Annual | Monthly | vs. City Avg |
|---|---|---|---|
| Teen (16-19) | $4,475/yr | $373/mo | +110% vs avg |
| Young Adult (20-25) | $2,983/yr | $249/mo | +40% vs avg |
| Adult (26-35) | $2,131/yr | $178/mo | 0% vs avg |
| Mid-Career (36-50) | $1,875/yr | $156/mo | -12% vs avg |
| Senior (51-65) | $1,769/yr | $147/mo | -17% vs avg |
| 65+ | $1,897/yr | $158/mo | -11% vs avg |
Teens in Newport pay an average of $4,475/year — 110% more than the city average. The best rates go to Senior (51-65) drivers at $1,769/year. Good student discounts, driver training courses, and being added to a parent's policy can significantly reduce teen rates.
Compare auto insurance rates in other Kentucky cities:
Our rate analysis is based on publicly available rate filings and industry data. We regularly update our research to ensure accuracy.
Newport drivers can save up to $355/year. ZIP 41076 (Newport South Side) has the lowest rates starting at $1,964/yr.
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