Jefferson Car Insurance

Everything You Need To Know About Car Insurance In Jefferson County, KY

Find the right car insurance policy for you.

As a busy suburb of Louisville, Jefferson County is an area where life always seems to move at a fast pace. Whether you’re fighting rush hour traffic to get home from work or you’re stuck in the carpool line waiting to drop the kids off at school, you are constantly surrounded by other drivers who could quickly put you and your family at risk. That’s why every driver in this busy city needs the protection of a reliable Jefferson County car insurance policy.

If you’re looking for the best coverage, our Independent Insurance Agents can offer you a variety of policies to consider. These agents make finding a policy simple by streamlining the process so you can find the best Jefferson County car insurance policy to meet your individual needs and budget. 

Cost of Car Insurance in Kentucky

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

When you compare auto insurance costs from state to state, Kentucky falls somewhere in the middle of the national average. To get the best rates, it’s essential to shop around and get quotes from multiple agents so you can compare benefits and costs. The overall rate for Jefferson County auto insurance will depend on several variables. The make and model of your car, your driving record, and even your age will all be factored in when an agent gives you a quote for Jefferson car insurance.

Kentucky Car Insurance Requirements

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

Kentucky state law requires that all drivers have coverage of at least $25,000 for individual auto accident injuries, $50,000 total for all persons injured in an accident and $10,000 to cover any potential damage to property. This might sound like an excessive amount of coverage, but if you end up in a serious accident, the actual cost could far exceed these coverage limits and leave you with a hefty difference to pay out of pocket. To be on the safe side, choose as much liability coverage as your budget allows when you buy a Jefferson auto insurance policy.

Number of Uninsured Motorists in Kentucky

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

Uninsured motorists are a major concern for drivers in Kentucky. While any car accident is frustrating, it can be devastating if the other party isn’t insured and you end up with serious injuries or major damage to your car. With 15.8 percent of Kentucky drivers hitting the road without insurance, it’s important to make sure you’re prepared with uninsured motorist coverage included in your 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: 2.86

Finding out that your car has been stolen is definitely a shock. While this is a scenario that most people never really think about, it happens every single day. Hopefully, it won’t happen to you, but if it does, you can be prepared with a comprehensive Jefferson auto insurance policy in place to help you recoup your losses.

Find a Great Jefferson County Car Insurance Policy

Every time you get behind the wheel without adequate car insurance in place, you’re taking a major risk. In a split second, an accident can turn your world upside down and leave you with thousands of dollars in debt, on top of serious injuries. If you don’t have coverage yet, it’s time to get a quote from one of our friendly agents. Finding affordable Jefferson County auto insurance doesn’t have to be overwhelming. In fact, our member agents make the whole process simple from start to finish. 

Contact an agent today to learn more about your coverage options and select a Jefferson car insurance policy that meets your needs.

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