La Grange, KY is a charming town that serves as the county seat for Oldham County. With its beautiful historic downtown shopping and fine dining, this city is a great place to live and work in. Whether you are heading out to dine at your favorite street-side restaurant or out to spend a day in La Grange’s historic downtown, you can expect to find busy streets and heavy traffic at times.
Make sure you’re prepared with the best La Grange car insurance. Our Independent Insurance Agents specialize in helping La Grange drivers find reliable auto insurance at affordable prices. Our agents can help you find discounts and bundled coverages to help maximize your savings.
- National average cost per year: $1,311
- Kentucky average cost per year: $1,341
- #21 most expensive auto premium in U.S.
Kentucky drivers are at a disadvantage due to their premiums trending slightly above the national average. However, keep in mind that rates can vary depending on other unique 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 La Grange.
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 for total injuries in an accident and $10,000 for any resulting property damage. Kentucky law has the mandated minimums in place to ensure all drivers are covered for the most basic accident. La Grange drivers always have the option to purchase additional insurance, a choice that could pay off big. If you find yourself involved in an accident where the damage exceeds your minimum coverage, you are required to pay the difference out of your own pocket.
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Number of Uninsured Motorists in Kentucky
- Number of uninsured U.S. drivers: 12.6%
- Number of uninsured Kentucky drivers: 15.8%
Car accidents are always traumatic, but the devastation becomes even worse if the driver at fault isn’t insured. Our agents can help you add uninsured motorist coverage to your car insurance policy so that you are always covered even if the other driver isn’t.
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 auto theft could ever be a problem in this area with a low crime rate, but it can happen. There are some precautions you can take, such as parking in well-lit areas at night and making sure to always lock your doors and windows. Most importantly, talk to our insurance agents about which auto insurance policies offer the best protection against auto theft.
Find a Great La Grange Car Insurance Policy
With so many options competing for their attention, drivers can easily be overwhelmed. 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 also proudly offer quotes on multiple 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 La Grange auto insurance.