Erlanger Car Insurance

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

Find the right car insurance policy for you.

The population of Erlanger, KY may be relatively small at 18,000, but when you think about the influx of traffic from neighboring Ohio and Indiana towns, it can get crowded. With so much happening, it's essential that you have the proper car insurance policy to protect you while you're on the road. An Independent Insurance Agent is here to make sure you're covered every day. The right Erlanger car insurance policy should meet your specific budgetary needs while covering all the potential car-related scenarios. Your local agent will compare a number of quotes from various insurance companies to find the perfect fit.

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

Kentucky's average car insurance cost isn't out of the ordinary, but do you know what you're paying for? Take a step back to determine how your rate is determined. Typically, your gender, driving record and marital status can be just as important as your vehicle's make and model. An agent can go over your specific information to get you the right Erlanger car insurance policy at the best price.

Kentucky Car Insurance Requirements

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

Kentucky requires minimum coverage of $25,000 per individual injured, $50,000 for all persons injured and $10,000 for property damage. Unfortunately, the cost of an accident could skyrocket over those limits. That's why you need an agent to give you the information you need so you don't have to pay for something out of pocket. The smartest option? Selecting the highest limits possible to ensure you're fully protected.

Number of Uninsured Motorists in Kentucky

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

An accident with an uninsured driver could be devastating — even if you aren't the one at fault. And considering that the Bluegrass State has proportionately more uninsured motorists than the national rate, you need to be sheltered. Guarantee you're covered by looking at your uninsured motorist coverage options with your local agent. You'll start driving with peace of mind knowing you're protected.

Number of Auto Thefts in Kentucky

  • National number of thefts per 1,000 vehicles: 2.94
  • Kentucky number of thefts per 1,000 vehicles: 1.87

Despite lower rates than the national average, auto thefts can still happen when you least expect them. Stay prepared by knowing that your car insurance policy covers any damage or stolen property in the event of such a scenario. Your local independent insurance agent will help keep you protected with a great insurance option.

Find a Great Car Insurance Policy in Erlanger

Receiving an Erlanger car insurance policy doesn't have to be overwhelming. An Independent Insurance Agent is here to compare a number of quotes to find you the most comprehensive, affordable policy possible. Since our agents aren't tied down to one carrier, they can talk to a number of companies to find a policy that fits your needs and budget.

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