Horse Cave Car Insurance

(Find the right car insurance policy for you.)

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


Located in Hart County, Horse Cave, KY is a charming city that earned its name from a historic cave on the south side of Main Street. This city sees a large amount of tourism due to its beautiful natural scenery, such as Kentucky Caverns. Whether you want to spend the day exploring Hidden River Cave or you want to enjoy a day in Mammoth National Park, you can be sure you will face heavy traffic and congested roadways. Make sure you’re prepared with the best Horse Cave car insurance.

Our Independent Insurance Agents are specialists, who can find reliable Horse Cave auto insurance at affordable prices. Whether you are a brand-new driver or an experienced driver who has been on the roads for years, our experienced agents can help you find the best auto insurance coverage for your specific situation.

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

As a driver in Kentucky, you can expect to pay more for auto insurance when compared with the national average. However, rates do vary depending on certain 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 Horse Cave.

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. In order to operate a vehicle in Kentucky, the law mandates these minimums to help ensure that drivers select adequate coverage for the most common accidents. It is always a good idea to purchase additional insurance so if the cost of an accident exceeds the state-mandated minimum you are still covered. This could end up saving you thousands out of your own pocket.


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Our independent agents shop around to find you the best coverage.

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 a devastating event without the added stress of not knowing if the other driver is insured. Uninsured motorist coverage is an essential part of your auto insurance so that you can have the peace of mind that you are covered even if the other driver isn’t. Our agents can help you add uninsured motorist coverage to your car insurance policy so you are prepared despite what comes your way.

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

It’s hard to imagine theft being a problem in a calm city like Horse Cave, but this threat can happen anywhere. Make sure you keep your car doors locked and park in well-lit areas if you are venturing out at night into the city’s more remote locations. Most importantly, talk to an independent insurance agent about which auto insurance policies offer the best protection against auto theft.

Find a Great Horse Cave Car Insurance Policy

Finding affordable auto insurance that offers reliability and protection can be an overwhelming process. 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. Our experienced agents will offer multiple quotes on many different 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 rate quote on Horse Cave auto insurance.

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