Springfield Car Insurance

Everything You Need To Know About Car Insurance in Springfield

Find the right car insurance policy for you.

Located in the heart of central Kentucky, Springfield is a beautiful city with quaint boutiques, historical buildings, and a rich heritage in Southern values. As you drive through the winding streets downtown, you’ll find dozens of places to grab a bite to eat or shop through the local boutiques that make this community one of a kind. The only real drawback to living in Springfield, KY is the constant battle with heavy traffic. Before you head out on the roadways, make sure you’re covered with the best Springfield car insurance.

Our Independent Insurance Agents can offer you one-on-one assistance to find the best rates on auto insurance in Springfield. Whether you are shopping for minimum liability coverage or a more comprehensive plan that offers theft and uninsured motorist coverage, our experienced agents can help. 

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

Kentucky car insurance premiums trend just below national averages. Your personal premium will depend on several variables like your driving history, the kind of car you drive and even your age. The best strategy to cut the cost of auto insurance is to get multiple quotes from our Independent Insurance Agents. Then you can see all of your options at a glance and choose the plan that is right for your driving habits and budget. 

Kentucky Car Insurance Requirements

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

Springfield drivers are legally required to invest in three types of car insurance coverage. Kentucky state law requires you to have a minimum of $25,000 to cover personal injury, $50,000 for bodily injury liability and $10,000 for property damage. If you cause an accident, you’ll need all these coverage options in order to cover medical bills and car repairs, plus any damage to property belonging to others.

Number of Uninsured Motorists in Kentucky

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

Since Kentucky requires all drivers to carry insurance, most drivers don’t stop and think about the consequences of getting into an accident where the other driver isn’t insured. Unfortunately, 15.8 percent of Kentucky drivers are on the highways daily without insurance, so this is a major threat you really have to take into consideration as you shop for auto insurance. Uninsured motorist coverage pays for your car repair and any medical expenses you encounter if an uninsured driver causes a car wreck. 

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

Imagine this scenario: Summer has finally arrived in Springfield, and you’re headed downtown to grab lunch with a friend and poke through the quaint antique shops. You park your car and head out for the day, excited to have a warm day to explore all the perks of Springfield’s downtown area. Several hours later, you return to the parking lot with your arms weighted down with all of your antique shop finds. Your eyes scan the parking lot once, twice, three times. Your car is nowhere to be found. Suddenly you drop your bags to the ground as you realize that your car must have been stolen. Auto theft isn’t common in Springfield, but it does happen occasionally. As you shop for auto insurance, make sure you look for a policy that includes auto theft coverage in case this scenario happens to you. 

Find a Great Springfield Car Insurance Policy

Navigating the complicated maze of auto insurance can get confusing, but our Independent Insurance Agents can guide you through all of your coverage options and help you build a personalized policy that is right for your unique needs. Before you head out on the roads in Springfield, take time to compare rates and choose a policy that protects you from liability, personal injury, uninsured motorists and auto theft. 

Contact an Independent Insurance Agent today to learn more about how you can find the best Springfield auto insurance.

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