Harrodsburg Car Insurance

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

Find the right car insurance policy for you.

Harrodsburg, KY is the state's oldest city, making it a destination of choice for history buffs and student groups. With sprawling parks, endless opportunities for outdoor fun and mild weather, this city is a perfect place to buy a home or visit for vacation. However, due to the high volume of tourists, drivers should be ready to deal with congested roads and constant traffic. Make sure you’re prepared with the best Harrodsburg car insurance. Harrodsburg drivers can depend on Independent Insurance Agents for help finding reliable auto insurance at affordable prices. With years of experience, our agents will help you build a customized policy to protect your vehicle from Harrodsburg’s most concerning roadway threats.

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

Car insurance in Kentucky does trend on the high end of the national average. However, rates can 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 Harrodsburg.

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 total for all injuries in an accident and $10,000 for any resulting property damage. Keep in mind these minimums are just a starting place. Kentucky law mandates these minimums to help ensure that drivers select adequate coverage for the most common accidents. You always have the option to purchase additional insurance, a decision that could end up saving you thousands of dollars.

Number of Uninsured Motorists in Kentucky

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

Kentucky drivers share the roads with a higher percentage of uninsured drivers when compared with the national average. Make sure you are protected so that if you have an accident and the other driver is uninsured, you are covered. Our agents can help you add uninsured motorist coverage to your car insurance policy.

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

Harrodsburg is a quiet town, but with a high flow of tourists, this puts the city at a greater risk for auto theft. Imagine coming home after a night out with friends only to find your car is missing. Make sure you have auto theft added to your policy so you can file a claim and get the necessary funds to replace your vehicle. Talk to an independent agent about which auto insurance policies offer the best protection against auto theft.

Find a Great Harrodsburg Car Insurance Policy

The process of looking for auto insurance can be easily overwhelming for Harrodsburg drivers. Our Independent Insurance Agents can simplify the process by pointing you toward the most comprehensive auto insurance for your vehicle. Our experienced agents also proudly offer quotes on multiple policies, giving you the chance to compare rates and find a plan that works for your budget. 

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

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