Prestonsburg Car Insurance

Everything You Need to Know About Car Insurance in Prestonsburg

Find the right car insurance policy for you.

Prestonsburg is called the “Star City of Eastern Kentucky.” In this area, you’ll discover a long history dating back to its beginning as the first town in the Big Sandy Valley. Today, Prestonsburg, KY remains a peaceful place to put down roots and start a family. With five major highways intersecting in town, travel is easy and tourists are common. 

Before you try to navigate the busy roadways, make sure you’re covered with a comprehensive Prestonsburg car insurance policy. Our Independent Insurance Agents offer a personalized approach to auto insurance. Our friendly agents can help you select an auto insurance policy that will best protect your car against the biggest threats on Kentucky’s roadways.

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

Kentucky’s auto insurance rates are just a bit higher than the national average, but your premiums will largely depend on your individual situation. The make and model of your car, your age, and your driving record are all taken into consideration when you receive a customized car insurance quote from our Independent Insurance Agents.

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 state-mandated minimums were designed as a starting point to ensure that all drivers purchase adequate coverage to protect against the most common types of accidents. It’s usually wise to invest in coverage that exceeds the minimums simply because if an accident is more expensive than your coverage limit, you have to pay the rest out of pocket.

Number of Uninsured Motorists in Kentucky

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

Uninsured drivers put everyone at risk. If you get into a car accident and the party at fault doesn’t have insurance, you have to pay the bill for car repairs or medical care. Uninsured motorist coverage is an option that you can add to your car insurance in Prestonsburg to give you an extra buffer of protection.

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

Prestonsburg is a quiet town, but crime is still something residents have to be aware of. For drivers, the idea of auto theft is usually foreign until it’s too late. If you go out to lunch with friends and return to the parking lot to discover your car is missing, your car insurance policy will be more important than ever before. If you’ve purchased adequate coverage, you can file a claim and receive compensation to replace your stolen car and any valuables you had tucked away inside.

Find a Great Prestonsburg Car Insurance Policy

Choosing the right car insurance policy isn’t something you can afford to take lightly. Your vehicle is a major investment, and your auto insurance is the best way you can protect it from Prestonsburg’s biggest threats. Our Independent Insurance Agents make the process of shopping for car insurance simple. Our experienced agents can help you figure out how much coverage you need and then provide multiple rate quotes so you can compare prices. Ultimately, our Independent Insurance Agents specialize in helping drivers find reliable Prestonsburg car insurance at affordable prices. 

Contact an agent today to get your free quote.

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