Paducah Car Insurance

Everything You Need to Know About Car Insurance in Paducah, KY

Find the right car insurance policy for you.

The roads in Paducah, KY can sometimes become rather congested with traffic, particularly along U.S. highways 45, 60 and 62 and the Interstate 24 business loop. Heavy traffic can increase your risk of being involved in a collision. Of course, accidents can happen anywhere, whether you are on a highway or residential road, so it is important that you protect your finances by carrying a Paducah car insurance policy that meets or exceeds the state-mandated minimums.

Finding a suitable policy at an affordable price is easy when you work with an independent insurance agent in our network. These agents can provide you with a selection of competitively priced Paducah auto insurance quotes from a number of reputable insurers. They can also explain your coverage options and answer your insurance-related questions. Find an agent in or near Paducah to learn more about your coverage options and to get answers to your insurance-related questions.

  • 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 rates in Kentucky are consistent with national averages. However, the figures listed above can only give you a general idea of what you might expect to pay. Actual rates vary significantly from one person to the next because they are calculated based on several different variables. When determining the cost of your Paducah car insurance premiums, insurance companies will consider these factors:

  • The make, model, year and safety features of the vehicle(s) you are insuring
  • The age, sex and marital status of the licensed drivers in your household
  • Your driving record and claims history
  • The ZIP code where you live and park your car
  • The amount of liability coverage you wish to purchase
  • The policy options you wish to include in your policy
  • The amount of your deductible

Every insurance company has its own proprietary way of assessing risk and assigning rates, so comparison shopping puts you at an advantage when you shop for Paducah car insurance. It enables you to choose the policy that offers the best value for your money.

Kentucky Car Insurance Requirements

  • Bodily injury liability: required
  • Property damage liability: required
  • Personal injury protection (PIP): required
  • Uninsured motorist coverage: not required
  • Minimum liability limits: 25/50/10: Coverage up to $25,000 for all persons injured in an accident, subject to a limit of $50,000 for one individual, and $10,000 coverage for property damage

Failure to carry auto insurance that meets or exceeds Kentucky’s minimum coverage requirements is a Class B misdemeanor. If you are pulled over and cannot produce proof of insurance, you may face fines up to $1,000, up to 90 days of jail time and suspension of your license for up to one year. You can also be placed in the “high risk” category of drivers, which can substantially increase your car insurance rates. Simply put, it is not worth the risk.

Number of Uninsured Motorists in Kentucky

  • Number of uninsured U.S. drivers: 12.6%
  • Number of uninsured Kentucky drivers: 15.80%

Regardless of Kentucky’s tough penalties for driving without insurance, roughly one in six drivers in this state are not covered. If an uninsured or a hit-and-run driver is responsible for an accident that causes you injuries or property damage, that person is responsible for covering your losses. However, you may find it difficult, if not impossible, to collect reimbursement, particularly if that person simply does not have the ability to pay. Fortunately, if your Paducah auto insurance policy includes uninsured motorist coverage, this is not a problem. In an instance like this, your insurance company covers your damage upfront and then attempts to recover the funds from the offending driver on its own.

Number of Auto Thefts in Kentucky

  • National number of thefts per 1,000 vehicles: 2.94
  • Kentucky number of thefts per 1,000 vehicles: 1.87

The rate of car theft in the state of Kentucky is lower than the national average, and in Paducah, it is slightly lower. In recent years, there were only 45 auto thefts reported in this city. That equates to about 1.79 thefts per 1,000 vehicles. Of course, you probably don’t spend all your time in Paducah, so car theft is a risk you should be prepared for. If your car is stolen or damaged by vandals, you can get compensation from your insurance company only if your policy includes comprehensive, or “other than collision,” insurance. This insurance also covers damage caused by such things as falling objects, floods, vandalism and fires if they are not associated with a collision.

Find a Paducah Car Insurance Policy

If you are looking for an affordable Paducah auto insurance policy that will provide all the coverage you and your family need, it is to your benefit to work with an independent agent in our network. Because they are not tied to a single insurance company like captive agents, these agents can shop around and collect a variety of suitable policies that you can compare. There is no reason to pay more than you have to for your auto insurance. Several local agents are located throughout the state of Kentucky, and some have offices in and around the city of Paducah. 

Find an agent near you to learn more about your coverage options, and discover how easy it is to save money on your premiums by comparing Paducah car insurance quotes. 

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