Bowling Green Car Insurance

Everything You Need To Know About Car Insurance In Bowling Green

Find the right car insurance policy for you.

As the third-largest city in Kentucky, Bowling Green is a busy city that attracts people from all walks of life. Forbes Magazine included Bowling Green in the "Top 25 Places to Retire in the United States." Whether you're heading to class at Western Kentucky University or visiting one of the city's many shopping malls, you'll have to navigate constant traffic. Make sure you are protected with comprehensive Bowling Green car insurance. 

Finding the best insurance policy might seem overwhelming, but our Independent Insurance Agents are standing by to assist you. With a large network of options and experience helping drivers in Bowling Green, our friendly agents can offer you quotes on multiple policies all in one convenient place so you can compare options and select the plan that is right for you. 

Cost of Car Insurance in Kentucky

  • National average cost per year: $1,311
  • Kentucky average cost per year: $1,341
  • 21st most expensive auto premium in the U.S.

Kentucky drivers can expect to pay a little more than the national average for car insurance, but finding an affordable rate is not impossible. Your cost for Bowling Green car insurance will depend on several factors like your age, the kind of car you drive and whether you've had previous accidents or traffic citations. Ultimately, comparing multiple quotes is the best way to be sure you get the best price.

Kentucky Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): required
  • Minimum liability limits: 25/50/10

The law in Kentucky requires drivers to have at least minimal liability coverage. You will need at least $25,000 in coverage for individual injuries, $50,000 total for all injuries and $10,000 for resulting property damage. These minimums are meant to be a guideline, but they are certainly not your only option. If you have an accident and you end up with injuries that exceed $25,000, you will have to pay the difference out of pocket. It's not hard to reach those minimums with even a short stay in the hospital. The best practice is to select a Bowling Green auto insurance policy with as much liability coverage as possible.

Number of Uninsured Motorists in Kentucky

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Kentucky drivers: 15.8%

Each day, thousands of drivers are navigating the busy streets of Bowling Green. Statistically, 15.8 percent of the drivers you encounter are uninsured. If you get into an accident and the other party isn't insured, you will have to pay for the damage to your car and the medical bills from any resulting injuries. This can add up quickly. By opting for uninsured motorist coverage, you will have a safeguard in place if the other party isn't insured.

Number of Auto Thefts in Kentucky

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of theft for 1,000 vehicles in Kentucky: 1.87

Auto theft is a serious problem, and while it's less common in Kentucky, it still happens to innocent drivers every day. When you select a Bowling Green car insurance policy, make sure you have coverage for auto theft just in case you ever find yourself in this frustrating situation.

Find a Great Bowling Green Car Insurance Policy

People from across the country move to Bowling Green to retire, and it's a wonderful place to put down roots and even raise a family. Just make sure you take steps to find the best auto insurance policy so that you are protected in case of an accident. Our Independent Insurance Agents provide a unique advantage to drivers who are looking for the best coverage options. They can quote from multiple policies at once so you won't have to call around and talk to a dozen companies to truly know your options. One phone call to our friendly agents is all it takes to find an affordable Bowling Green car insurance policy that is right for you. 

Contact an agent today to learn more about your coverage options.

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