Mayfield Car Insurance

Everything You Need To Know About Car Insurance in Mayfield

Find the right car insurance policy for you.

Mayfield, KY is a beautiful small town with a deep-rooted history that attracts tourists from around the nation. In this picturesque city, you’ll find Civil War monuments, Confederate cemeteries and a wide variety of handmade gifts and antique shops to explore. The tree-lined country lanes and lush countryside make Mayfield the perfect place to live and work in, but locals also have to deal with frequent traffic pileups. With tourists coming in and out of town on a regular basis, the local roads can get congested. 

Make sure you’re prepared with the best Mayfield car insurance. Our Independent Insurance Agents make shopping for car insurance easier than ever. Our friendly agents can explain all of your coverage options, provide quotes on multiple policies and help you compare various plans before you select the auto insurance that is right for you. 

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

Auto insurance is one of those things you simply can’t do without, but it can definitely put a strain on your budget, especially if you are already strapped for cash. Luckily, our Independent Insurance Agents can guide you toward discounts for being a safe driver or even for owning a “green” vehicle. Your auto insurance rate will vary based on your age, your car's make and model, and your driving record. But regardless of your circumstances, our Independent Insurance Agents can help you find the most affordable premium options. 

Kentucky Car Insurance Requirements

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

Drivers in Kentucky are required to purchase car insurance. There are three specific types of coverage you need. First, you need liability protection for bodily injury. This policy acts as a financial safeguard and covers the cost of medical bills if you injure another driver or the driver's passengers during an accident. You also need personal injury protection to cover the cost of medical care if you sustain personal injuries in a collision. Finally, you need property damage liability coverage to pay for repair costs if your car causes damage to another person’s property. In Kentucky, the law requires you to have a minimum of$25,000 in coverage for personal injury, $50,000 for bodily injury and $10,000 for property damage. 

Number of Uninsured Motorists in Kentucky

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

Since Kentucky requires all drivers to have car insurance, you may have never stopped to consider what would happen if you were hit by an uninsured driver. If you are the victim of a hit-and-run accident or you get rear ended by a driver with a lapsed auto insurance plan, you’ll be stuck paying for car repairs out of pocket. Unfortunately, this happens on a regular basis, and that’s why many drivers opt to get the optional uninsured motorist coverage. Not only does this policy option protect you against uninsured drivers, but it pays the difference if the other driver’s insurance doesn’t pay enough to cover the full cost of car repairs and medical bills. 

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

Take a moment to imagine this scenario. You just dropped the kids off at school, and you’re on your way to the library where you hope to get some work done on your laptop without any interruptions. You make a quick stop at the coffee shop to grab breakfast, but when you walk back out to the parking lot, you discover that your car has vanished. You frantically search the parking lot, but it’s clear that your car was stolen. Now you’re stuck with no transportation, and your laptop, cellphone and whatever else was hiding in your trunk are gone forever. Auto theft is a serious problem, and while it isn’t common, it does happen in Mayfield from time to time. Make sure your car insurance policy includes coverage for theft so you can get a new car and replace any stolen items if this heart-sinking scenario ever happens to you. 

Find a Great Mayfield Car Insurance Policy

Mayfield is a beautiful small town with a low crime rate and some of Kentucky’s best outdoor scenery, but the steady influx of traffic puts every driver at major risk. Before you get behind the wheel, make sure you’re prepared with a comprehensive car insurance policy. Our Independent Insurance Agents are experts at navigating the maze of coverage options, and they can help you select a plan that provides peace of mind that you’re covered if you wind up in a major accident. 

If you’re ready to find an affordable, reliable Mayfield auto insurance plan, contact an Independent Insurance Agent today.

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