Lebanon Car Insurance

Your Complete Guide to Car Insurance in Lebanon, KY

Find the right car insurance policy for you.

Man sitting on the car and using smart phone to research car insurance discounts

Lebanon, Kentucky is located in the central part of the state, southeast of Louisville. Local drivers will frequently find themselves traveling on US 68, KY 52, several other state highways, and numerous local back roads. Accidents from minor fender benders to multi-car pileups can happen at any time on the roads in Lebanon. It's not hard to imagine the stress and financial burden you would face after a car crash. 

You can have peace of mind if you purchase a quality, reliable car insurance policy. What’s more, Kentucky law requires all vehicle owners in the state to have at least a minimum amount of liability coverage in case they are involved in an accident. Take the confusion out of shopping for car insurance. A local independent insurance agent can explain your options, obtain multiple quotes for comparison, and help you choose the best policy for your needs and budget. 

How Much Does Car Insurance Cost in Lebanon, KY?

Kentucky is the 21st most expensive state for car insurance. Average car insurance rates in Lebanon are lower than both the state and national averages.

  • National average annual car insurance cost: $1,311
  • Kentucky average annual car insurance cost: $1,341
  • Lebanon average annual car insurance cost: $1,214

Remember, auto insurance rates often vary significantly from one driver to the next. This is because rates are calculated based on your individual risk factors, such as:

  • Your age, gender, and marital status 
  • Your driving history and credit score
  • Your car’s year, make, and model
  • The approximate number of miles you drive each year
  • The coverage limits, coverage options, and deductibles you choose
  • Whether you are bundling your auto insurance with other policies like homeowners insurance or renters insurance

Every insurance company uses different criteria to calculate car insurance premiums. What’s more, most companies offer a variety of discounts that you can qualify for. An independent insurance agent in Lebanon can help you compare quotes, choose policy options, and maximize your discounts. 

What Are the Car Insurance Requirements in Kentucky?

Kentucky state law requires all drivers to carry a minimum amount of car insurance that pays for injuries and property damage after an accident. Because Kentucky is a “no-fault” state, your insurance company will pay your claims up to a specified limit, regardless of who caused the accident. It’s important to know that no-fault laws limit your ability to sue an at-fault driver if you are in an accident that is not your fault. The following are the minimum coverage requirements for Kentucky drivers:

  • Liability insurance, which covers bodily injury and property damage to third parties for accidents that you cause and are determined to be at fault for
    • Bodily injury (BI) liability coverage of at least $25,000 per person/$50,000 per accident
    • Property damage (PD) liability coverage of at least $25,000 per accident
  • Personal injury protection (PIP), which pays for your own medical expenses after an accident regardless of who is at fault 
    • PIP coverage of at least $10,000

The costs of a serious accident can easily surpass the minimum liability insurance limits required by the state. Purchasing liability limits that are higher than the state minimum is a good idea. For even more coverage, you can purchase a personal umbrella policy, which offers protection beyond the limits of your auto insurance policy. An independent insurance agent can help determine how much liability coverage is necessary to adequately protect your assets should the worst happen. 

What Else Can a Lebanon Car Insurance Policy Cover?

Insurance companies offer several types of optional coverage in addition to what is required by the state. You can choose the options that best fit your needs.

  • Uninsured motorist coverage (UM): Pays for your own medical expenses that the other driver would have been responsible for if they had car insurance.
  • Underinsured motorist coverage (UIM): Pays for your expenses when the at-fault driver has car insurance but it is insufficient to cover your expenses.
  • Collision coverage: Covers damage to your vehicle sustained in a collision, regardless of who was at fault. Lenders typically require this coverage if you are still paying for your car, and dealerships are likely to require it if you are leasing your car.
  • Comprehensive coverage: Covers the cost to repair vehicle damage caused by non-collision events such as floods, fires, falling objects (e.g., trees), and property crimes (theft, vandalism). Lenders typically require this coverage if you are still paying for your car, and dealerships will probably require it if you are leasing your car.
  • Roadside assistance and towing: Covers the cost of a service call if your vehicle becomes disabled while it is out on the road.
  • Rental car reimbursement coverage: Pays for the cost of renting a vehicle while repairs are being made to your car following a covered event.

A local independent insurance agent can help you learn more about these coverage options.

Why Get Coverage against Uninsured Motorists in Lebanon?

Driving without car insurance is against the law in Kentucky. Unfortunately, many residents drive without the required coverage. 

  • How many US drivers are uninsured? 12.6%
  • How many Kentucky drivers are uninsured? 11.5%

Drivers without insurance cannot pay for accidents that they cause. That's where uninsured motorist coverage comes in. If you have uninsured motorist coverage, your insurance company will pay for your covered damage and expenses (up to the policy limits) and may attempt to collect compensation from the offending driver, as well. Uninsured motorist coverage is not required for Kentucky drivers.

Can Car Insurance Cover Vehicle Thefts in Lebanon?

Kentucky has a slightly lower-than-average auto theft rate. The rate in Lebanon is similar to the state and national averages.

  • National auto theft rate per 1,000 vehicles: 2.94
  • Kentucky auto theft rate per 1,000 vehicles: 2.23
  • Lebanon auto theft rate per 1,000 vehicles: 2.30

While Lebanon is relatively safe, it doesn’t mean that your car can’t be stolen or vandalized. Around 13 cars are stolen each year in Lebanon, on average. If you are one of those vehicle owners, a rare occurrence becomes a real-life nightmare. That’s why it’s important to consider adding comprehensive coverage to your auto insurance policy. 

It will reimburse you for your lost or damaged car. And it also offers coverage for all kinds of “other than collision” vehicle damage, such as damage from falling objects, floods, structure fires, and more. Talk to a local independent agent about comprehensive coverage, and how it can help you pay to repair your car in a variety of unforeseen circumstances. 

Why Contact an Independent Insurance Agent in Lebanon?

Independent insurance agents are insurance professionals who can explain your coverage options, answer your questions, and provide you with customized car insurance quotes from multiple insurance companies. With the help of an independent agent, you can make an informed choice. 

Start your search by contacting an independent agent in or near Lebanon. 


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