South Shore Car Insurance

(Find the right car insurance policy for you.)

Ann Herro, Insurance Expert Written by Ann Herro
Ann Herro, Insurance Expert
Written by Ann Herro

Ann Herro has been writing about insurance and employee benefits for over 15 years. She has covered topics as easy as insuring a car, and as difficult as transparency in healthcare costs.


South Shore, KY is a small town with only 1,200 residents. Located along the Ohio River at the mouth of Tygart’s Creek, this charming city has a lot to offer residents. Despite its small-town feel, South Shore has its fair share of busy roads and heavy traffic. Make sure you’re prepared with the best South Shore car insurance. Our Independent Insurance Agents are experts at helping drivers find reliable South Shore auto insurance at affordable prices. Our experienced agents will find the right policy for you whether you are a brand-new driver or have been on the roads for years.

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

Residents of Kentucky can expect to pay a higher premium for car insurance in comparison with the national average. However, rates always vary depending on certain factors. The type of car you drive, your driving record and your age are all considered when determining your customized rate for auto insurance in South Shore.

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. Kentucky law mandates these minimums to help ensure that drivers select adequate coverage for the most common accidents. Keep in mind that you always have an option to invest in more coverage, a decision that usually pays off in a big way if you ever have a serious accident where the costs exceed your coverage limits. 


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Number of Uninsured Motorists in Kentucky

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

Being involved in a car accident can be a stressful situation with long lasting consequences. However, it becomes worse if the other driver is uninsured. This could leave you paying out of pocket for your own car repairs through no fault of your own. Our agents can help you add uninsured motorist coverage to your South Shore 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

In a quiet little city like South Shore, it’s hard to imagine that auto theft could ever be a problem, but theft happens everywhere. If you are in a remote area of the city, make sure you park in well-lit areas and keep your doors locked at all times. The most important piece of protection is having insurance that protects against auto theft. Talk to an agent so they can help you find the right amount of protection for your vehicle.

Find a Great South Shore Car Insurance Policy

The process of shopping for South Shore auto insurance can be overwhelming to many drivers. Our Independent Insurance Agents will make the whole process easy by answering your questions and pointing you toward the most comprehensive auto insurance for your vehicle. 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 get a free rate quote on South Shore auto insurance.

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