Hopkinsville Car Insurance

Everything You Need To Know About Car Insurance in Hopkinsville

Find the right car insurance policy for you.

As the sixth-largest city in the state, Hopkinsville, KY offers a tight-knit community and a wide range of business opportunities. If you live in this city, you enjoy easy access to the amenities of Nashville and some of the state's best scenery in Pennyrile Forest State Park. Of course, making your way down Hopkinsville's busy highways always comes with a risk. In fact, there were 22,958 nonfatal collisions in recently Kentucky. Before you get behind the wheel, make sure you're covered with Hopkinsville car insurance. 

Even the safest drivers need the protection of comprehensive auto insurance. Our Independent Insurance Agents provide instant support as you navigate your options and choose a policy that works for you. Our friendly agents can offer quotes on multiple policies, allowing you to compare your coverage options and select a car insurance plan at a price you can afford. 

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

If you live in Kentucky, you can expect to pay a little more than the national average for car insurance. There are several key factors that will influence your premium rate. Your age, your car's make and model, and your driving record will all be taken into consideration before you receive a quote. Our Independent Insurance Agents can share simple strategies to help you reduce the overall cost and find the most affordable coverage plan. 

Kentucky Car Insurance Requirements

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

Kentucky requires drivers to have coverage for bodily injury, property damage and personal injury. Bodily injury covers medical expenses if you cause injury to another driver during an accident. On the other hand, personal injury protection covers medical bills for you and your passengers no matter who caused the accident. With property damage liability, you're protected if your car damages someone else's property. Kentucky law requires drivers to have at least $25,000 in coverage for individual injuries, $50,000 for all injuries in an accident and $10,000 for resulting property damage. 

Number of Uninsured Motorists in Kentucky

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

Even though Kentucky law requires drivers to have insurance, people do occasionally get behind the wheel without it. If you get in an accident and the party at fault doesn't have car insurance or they don't have enough coverage to pay for the full cost of the damage, uninsured motorist protection picks up the difference. This is usually a fairly inexpensive policy option, and it can pay off in a major way if you ever get involved in an accident with an uninsured or underinsured driver. 

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

Most people assume that a typical auto insurance policy covers car theft, but that's not always the case. As you shop for auto insurance, make sure you check specifically to see if car theft is covered. Will your policy pay enough to replace your vehicle? Will it pay to replace the vehicle's contents lost during the theft? Our Independent Insurance Agents can help Hopkinsville drivers find a comprehensive policy with complete coverage for theft and its related challenges. 

Find a Great Hopkinsville Car Insurance Policy

Hopkinsville is a great place to live and work in, but car accidents can put a damper on even the best lifestyle. If you're looking for the best car insurance, our caring Independent Insurance Agents can help. You'll get one-on-one support as you navigate the maze of policy options so you can have peace of mind that you are covered with the best auto insurance. 

Contact an Independent Insurance Agent today to learn more about Hopkinsville auto insurance and to start saving money on your premium.

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