Pikeville Car Insurance

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

Find the right car insurance policy for you.

Pikeville, KY was recognized by Norm Crampton among the "100 Best Small Towns in America." This beautiful city offers a tight knit community, breathtaking scenery and amazing Appalachian culture. Whether you are interested in a drive through the Appalachian Mountains or visiting Pikeville for its annual Hillbilly Festival, you will have to deal with heavy traffic and busy roads. Make sure you’re prepared with the best Pikeville car insurance.

Pikeville drivers can rely on our Independent Insurance Agents to help them find the most affordable auto insurance that offers the best protection from roadway threats. Whether you’re a brand-new driver or a driver with decades of experience, our experienced agents can help you find the best Pikeville auto insurance coverage for your unique situation.

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

Car insurance rates in Kentucky are slightly above the national average. Each individual's unique set of factors help determine their personalized rate. The type of car you drive, your driving record and your age are all considered when determining your rate for auto insurance in Pikeville.

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. These minimums are in place to make sure Kentucky drivers have enough car insurance to cover the most common accidents. However, drivers should always consider having more coverage in case the cost of an accident exceeds Kentucky’s minimum requirements. This could potentially save you thousands of dollars in out of pocket expenses.

Number of Uninsured Motorists in Kentucky

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

Uninsured motorists are a problem in every state, and Kentucky is no exception. Dealing with an auto accident is traumatic, but imagine how much worse it is to find out the other vehicle isn’t insured. This leaves you paying for your own car repairs out of your own pocket. 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

Pikeville has tons of small town charm, but it also carries with it a crime rate that is higher than the national average. It is important to take precautions when you are driving through this area. Always keep your doors locked and park in well-lit areas. An independent insurance agent can help you find the right auto insurance that covers you in case you are ever the victim of car theft.

Find a Great Pikeville Car Insurance Policy

Finding the right Pikeville car insurance can be a daunting process for drivers, with all the options available. Our agents will answer all your questions and simplify the process by pointing you toward the most comprehensive coverage for your car. 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 Pikeville auto insurance.

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