Owensboro Car Insurance

Everything You Need To Know About Car Insurance in Owensboro

Find the right car insurance policy for you.

Located along the picturesque southern banks of the Ohio River, Owensboro is the fourth largest city in Kentucky. Owensboro is a cultural hub for the state, with numerous art museums, public theater productions, and even a well-known symphony orchestra. Whether you’re enjoying the annual International Barbecue Festival or heading out for some weekend skating at the Edge Ice Center, there is plenty to see and do. You can almost always count on traffic jams during rush hour, which makes it especially important to have a comprehensive Owensboro car insurance policy.

Finding affordable car insurance in Owensboro starts with a call to our Independent Insurance Agents. Our friendly agents can quote from multiple policies so you can compare options and find the auto policy that is right for you. By working with an Independent Insurance Agent, you will get one-on-one assistance and a variety of quotes to help you find the best coverage for your lifestyle 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.

Kentucky falls right in the middle of the pack for car insurance rates. You can save money on Owensboro auto insurance by doing your homework ahead of time and comparing numerous quotes. The total cost of car insurance is determined by several factors. Your age, the kind of car you drive, and your previous driving record will all be considered when creating your rate.

Kentucky Car Insurance Requirements

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

Kentucky law requires all drivers to have a minimum of $25,000 in liability coverage for individual injuries, $50,000 total liability coverage for all injuries and $10,000 for property damage. These coverage minimums are set for your protection, but in reality, this might not be enough. Always choose the maximum amount of liability coverage you can afford to safeguard your assets in case of an accident.

Number of Uninsured Motorists in Kentucky

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

Kentucky has more uninsured drivers than most states in the United States, so it’s important to take that into consideration when shopping for Owensboro car insurance. If you get into an accident with an uninsured driver, you will have to pay for damage to your vehicle and for medical bills. By investing in uninsured motorist coverage, you will always have peace of mind that a car accident won’t ruin you financially.

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

Even though Kentucky has a below-average number of car thefts, that doesn’t mean you are immune. Imagine how frustrating it would be to walk out of the supermarket and find that your car is no longer where you left it. Every Kentucky driver should look for a car insurance policy that includes coverage for auto theft.

Find a Great Owensboro Car Insurance Policy

Whether you’re 16 or 96, it’s important to choose the right Owensboro car insurance before you ever get behind the wheel. While no one anticipates a car accident, accidents happen every single day. When you arm yourself with a comprehensive Owensboro auto insurance policy, you will have the peace of mind that you are covered even if you do end up in a collision. Choosing the right Owensboro car insurance starts with a call to our Independent Agents. Our friendly agents will explain all of your options and offer quotes on multiple policies so you can select a coverage plan that is right for your budget and needs. 

Contact an agent today to get a quote and learn more about your options for Owensboro auto insurance.

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