Somerset Car Insurance

Everything You Need to Know About Car Insurance in Somerset

Find the right car insurance policy for you.

There's nothing better than cruising through downtown Somerset, KY. The charm of this southern Kentucky town can't be missed, and its more than 11,000 residents are lucky to call the place home. But when you're driving to the Daniel Boone National Forest for a hike or to Somerset Community College for an evening class, you run the risk of an accident or car trouble you don't want to be in.

Our Independent Insurance Agents understand that a car is a prized possession — and can be damaged in a number of ways. This is why we're here to help keep your assets protected with affordable car insurance. Whether someone stole your vehicle or you simply had a small fender bender, your car insurance policy should be comprehensive and customized just for you.

  • National average annual cost: $1,311
  • Kentucky average annual cost: $1,341
  • 21st most expensive state for auto premiums in the U.S.

Kentucky's average annual car insurance cost is a great baseline, but each individual's coverage varies depending on a number of factors that you may not know about. Of course, the car's make, model and safety history all come into play, but did you know that your gender, credit, and neighborhood can affect premium rates? Let an agent walk you through the scenarios so you can find the most comprehensive Somerset policy that fits your budget.

Kentucky Car Insurance Requirements

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

How much do you think an accident would set you back? If you're a Kentucky resident, you're required to have a minimum coverage of $25,000 for individual injuries, $50,000 for total personal injuries and $10,000 in property damage. But chances are you'll soar way past those limits after a crash. An insurance agent can discuss your options when it comes to liability limits so you can be fully protected.

Number of Uninsured Motorists in Kentucky

  • Uninsured U.S. drivers: 12.6%
  • Uninsured Kentucky drivers: 15.8%

A staggering number of Kentucky drivers are uninsured, leaving you at a higher risk of one hitting you and causing financial havoc. Protection against uninsured drivers is easy to obtain and can cover bodily injury or property damage that may ensue after an accident. But when discussing the coverage, you need to consider how much you need by looking at your vehicle and medical insurance.

Number of Auto Thefts in Kentucky

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

Auto theft is a big problem that is easy to fix with the right Somerset car insurance. While preventative steps, such as parking under street lights, can help prevent a break-in, an insurance agent can help set you up with comprehensive coverage that reimburses you for damage to your car in such an unforeseen situation.

Find a Great Car Insurance Policy in Somerset

To receive a customized Somerset car insurance policy, talk to your local Independent Insurance Agent. Our agents aren't tied to one carrier, meaning they can discuss your insurance needs with a number of companies to find you the most comprehensive, affordable quotes on the market.

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