Jamestown Car Insurance

(Find the right car insurance policy for you.)


While the roads in the small city of Jamestown, KY do not get overly congested as they might in larger cities, traffic accidents can still happen – particularly when passing on a narrow two-lane road. Fortunately, you can protect your finances in the aftermath of a collision by carrying Jamestown car insurance that meets or exceeds the state-mandated minimums. 

You can save money on your coverage if you compare policies and rates from at least three reputable insurance companies before making a selection. Comparison shopping is easy with the help of an independent insurance agent in our network. These agents can help you gather, review and compare a variety of competitively priced Jamestown car insurance quotes. Find an agent near you to get started.

  • National average cost per year: $1,311
  • Kentucky average cost per year: $1,147
  • 21st most expensive auto premium in U.S.

Kentucky’s car insurance rates are on par with national averages. Of course, the figures listed above only give you a ballpark idea of how much you might expect to pay for your coverage. Your actual Jamestown auto insurance costs are calculated based on several different factors including but not limited to the following:

  • the make, model, year and safety record of your vehicles(s)
  • Your ZIP code and parking location
  • The approximate number of miles you drive each month
  • Your driving record and insurance claims history
  • The age, sex, marital status and driving records of the licensed drivers in your household
  • The amount of liability coverage you would like to buy
  • The deductible you are requesting
  • In many cases, your credit score

Every insurance company that you contact for prices is likely to quote you a different cost for your premiums. This is how comparison shopping enables you to save money on your Jamestown car insurance.

Kentucky Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 25/50/10: Coverage up to $25,000 for all persons injured in an accident, subject to a limit of $50,000 for one individual, and $10,000 coverage for property damage

Failure to carry car insurance that meets or exceeds Kentucky’s minimum coverage requirements is a serious offense. It can result in a fine up to $1,000, incarceration for up to 90 days, suspension of a person's driver's license for up to one year and placement of a driver in the “high risk” category, all of which can considerably increase your car insurance coverage rates. It’s really not worth the risk.

Bear in mind that while the minimum liability coverage amounts might be sufficient to protect your finances in a minor motor vehicle collision, such as a fender-bender, an accident that results in serious injuries or significant property damage can easily exceed these limits. If that happens, you are responsible for making up the difference. You may, therefore, want to consider higher liability amounts. Your agent can provide you quotes for different levels of coverage to help you make up your mind.


Save on Car Insurance

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

Number of Uninsured Motorists in Kentucky

  • Number of uninsured U.S. drivers: 13%
  • Number of uninsured Kentucky drivers: 11.5%

If you are in a collision that is the fault of an uninsured driver, that person is responsible for covering, out of pocket, your property damage and any necessary medical treatment for injuries. Unfortunately, and it can be hard to collect this money, particularly if the offending driver simply does not have the funds to make payments.

That is why it is a good idea to include uninsured motorist coverage with your Jamestown car insurance. That way, if you find yourself in this situation, you collect coverage for your damage directly from your insurance company. Your insurer then attempts to collect reimbursement from the responsible driver on its own behalf. This optional insurance also covers damage and injuries caused by a hit-and-run driver.

Number of Auto Thefts in Kentucky

  • National number of thefts per 1,000 vehicles: 2.28
  • Kentucky number of thefts per 1,000 vehicles: 2.29

Auto theft rates in Kentucky are much lower than the national average, and in Jamestown, the risk is almost nonexistent. In recent years, there were no auto thefts reported in this city, and before that, there was only one. Of course, you are not likely to spend all of your time in Jamestown, so the possibility of having your car stolen does exist. If that happens, you can only receive compensation for your loss if your Jamestown auto insurance policy includes comprehensive, or “other than collision,” insurance. This insurance covers all non-collision-related damage such as that caused by fires, falling objects, floods and property crimes.

Find the Best Jamestown Car Insurance Policy

Nobody wants to overpay for auto coverage. However, if you bought a policy without first checking rates from a few competing insurance companies, chances are you are doing just that. That is why savvy car owners in Jamestown turn to the independent insurance agents in our network for assistance when they are shopping for competitively priced coverage for their vehicles.

Our independent agents make comparison shopping easy by gathering rate quotes from a variety of reputable insurers on your behalf. Your agent can then help you review and compare your selection of customized Jamestown car insurance quotes so you can choose the one that best meets your coverage and budgetary needs. 

Find an agent with an office near you to learn more.

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