Cadiz Car Insurance

Everything You Need to Know About Car Insurance in Cadiz, KY

Find the right car insurance policy for you.

Cadiz, KY is a beautiful community that proudly celebrates its deep southern roots. Full of rolling farmland and old tobacco barns, Cadiz is a beautiful place to live and work in. With many outdoor activities for residents of all ages, this area often sees heavy traffic and congested roads throughout the year. Before you attempt to navigate these busy roads, make sure you are protected with the best Cadiz car insurance. Our Independent Insurance Agents are knowledgeable and can help Cadiz drivers find affordable insurance that offers the maximum protection from common roadway threats. Our agents can help you find the best Cadiz auto insurance coverage for your unique situation.

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

Kentucky drivers can expect to pay a little more than the national average for auto insurance, but rates vary dramatically depending on several unique factors. The type of car you drive, your driving record and your age are all considered when determining your customized rate for auto insurance in Cadiz.

Kentucky Car Insurance Requirements

  • Body injury liability: required
  • Property damage reliability: required
  • Personal injury protection (PIP): not required
  • Minimum liability limits: 25/50/10

In Kentucky, the minimum coverage limits are $25,000 for individual injuries, $50,000 for total injuries in an accident and $10,000 for any resulting property damage. Like in most states, Kentucky law mandates these minimums to help ensure that drivers select adequate coverage for the most common accidents. However, if you have an accident and the damage exceeds the limit of your minimum coverage, you are expected to pay the difference out of pocket. This can get expensive very quickly. Keep in mind that you always have the option to invest in more coverage, a decision that usually pays off in a big way.

Number of Uninsured Motorists in Kentucky

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

Having a car accident is bad enough without the worry of dealing with an uninsured motorist. If you let our agents help you add uninsured motorist to your comprehensive car insurance policy, then you can have the peace of mind that you are covered even if the other driver isn’t.

Number of Auto Thefts in Kentucky

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

In a beautiful, quiet little city like Cadiz, it’s hard to imagine that auto theft could ever be a problem, but it does happen from time to time. There are some safety measures you can take, such as keeping doors and windows locked, that can help protect your car. In order to have the best protection, talk to our agents about which auto insurance policies offer the best protection against auto theft.

Find a Great Cadiz Car Insurance Policy

Shopping for auto insurance can be time consuming and confusing. Our Independent Insurance Agents will make the whole process easy by answering your questions and pointing you toward the most comprehensive auto insurance for your vehicle. Agents are available to offer you multiple quotes on many different policies so you can compare each plan and choose the right one for your situation and budget. 

Contact an agent today to learn more and to get a free rate quote on Cadiz auto insurance.

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