Henderson Car Insurance

Everything You Need To Know About Car Insurance in Henderson

Find the right car insurance policy for you.

Surrounded by the beautiful backdrop of the Ohio River Valley, you’ll find the picturesque riverfront city of Henderson, KY. This area has received a lot of recognition over the years for its quaint 3-mile river walk and the old Victorian homes that overlook the water. In fact, the area served as a backdrop for many scenes in the Tom Hanks movie, “A League of Their Own.” New York Times even recognized Henderson as the place where you can enjoy America’s best fried chicken. If you’re lucky enough to live in this city, you already know that traffic can get dicey. Make sure you’re covered when you get behind the wheel by having the best Henderson car insurance. 

Our Independent Insurance Agents offer a personalized approach to auto insurance. Our experienced agents can answer your questions, walk you through your coverage options and provide quotes on multiple policies to help you find the most affordable car insurance. If you’re bogged down with all the options, our Independent Insurance Agents will take the guesswork out of shopping for car insurance and guide you toward the most reliable policies that will work for your lifestyle and budget. 

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

Car insurance is one of those things in life that you just can’t avoid. Even a small fender bender can turn expensive, and without insurance, a major accident can be devastating financially. If you’re worried that you can’t afford auto insurance, our Independent Insurance Agents can help. Our experienced agents can help you find the most affordable plan based on your age, your car's make and model, and your driving record. 

Kentucky Car Insurance Requirements

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

Henderson drivers are required by law to have car insurance. In fact, Kentucky state law is very specific about the minimum coverage you will need to have. Kentucky drivers are required to have a plan that covers bodily injury. This pays for medical bills if you injure another driver or the driver's passengers in an accident. The law also requires you to have personal injury protection to protect you against high medical bills related to a collision. Finally, you need coverage for property damage in case your vehicle damages another person’s property in an accident. In Kentucky, the law requires you to have a minimum of $25,000 in coverage for personal injury, $50,000 for bodily injury and $10,000 for property damage. 

Number of Uninsured Motorists in Kentucky

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

With 15.8 percent of Kentucky drivers travel daily without car insurance, you just can’t afford to skimp on uninsured motorist coverage. If you get into an accident and the party at fault isn’t insured, your uninsured motorist coverage pays for your car repairs and medical attention. If the driver at fault is insured but with coverage limits too low to pay for the total amount of repairs and medical bills, uninsured motorist coverage pays the difference. 

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

Imagine for a moment how it would feel to discover that your car was stolen. Maybe you stopped off to grab some groceries on your way home from work. You left your gym bag, your laptop, and your dry-cleaning in the car, and you ran inside to get ingredients for dinner. After you stand in the checkout line for what feels like an eternity, you finally return to the parking lot only to discover that your car is gone. You search and search, but it’s just not there. Suddenly, your heart sinks as you realize that you’ve lost your car and everything that was stashed inside. Car theft is a personal violation that can have far-reaching consequences. The only way to make sure your car is safe is with auto theft coverage. If your car does get stolen, your car insurance policy pays to replace it along with any valuables you had stored inside. 

Find a Great Henderson Car Insurance Policy

If you live and work in Henderson, you know the roadways can get crowded. Curious travelers love to stop in and visit this riverfront city and see what all the media hype is really about. If one of those drivers causes a car accident and you get injured in the process, auto insurance will go a long way toward protecting your bank account. Our Independent Insurance Agents take the guesswork out of shopping for car insurance. With an agent’s help, you can compare rates on multiple policies; find discounts to make coverage more affordable; and gain peace of mind that you’re covered if you wind up in a car accident tomorrow. 

If you’re ready to start shopping for affordable Henderson car insurance, call an Independent Insurance Agent today.

Share this page on Twitter Share this page on Facebook Share this page on LinkedIn