Car Insurance in Union, KY

The rate of car theft in Union, KY is slightly higher than the national average. About 2.3 out of every 1,000 Kentucky drivers will experience car theft within the following year. But that's just one disaster car insurance can protect you from.

An independent insurance agent in Union, KY can help you set up a car insurance policy that covers theft and more. They'll make sure you get coverage long before filing a claim. But first, here's how car insurance breaks down in Union, KY.

Best Car Insurance in Union, KY

Finding the best car insurance available in Union, KY is much easier with the help of an independent insurance agent. Not only can they help you find the right coverage for you, but they're also experts in many types of car insurance. That means they know exactly what you need and where to find it.

You'll start by discussing your concerns with your Union, KY independent insurance agent, and the two of you will determine which types of coverage make the most sense. Finally, your Union, KY independent insurance agent can shop different options from multiple carriers for you together in one place.

What Does Car Insurance Cover in Union, KY?

Your car insurance policy might look a lot different from your neighbor's. The coverages you select will depend on your personal needs.

Some common car insurance coverages in Union, KY include:

• Collision coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled in a collision, regardless of fault. 
• Comprehensive coverage: This covers the cost to repair or replace your vehicle if it gets damaged or totaled by a non-collision event such as a hailstorm or theft.  
• Uninsured motorist coverage: This covers the cost of getting into an accident with another driver who doesn't carry any or adequate coverage if they're at fault.
• Liability coverage: This covers the cost of claims filed against you for bodily injury or property damage to third parties with your vehicle.

You may need many more types of car insurance to feel fully protected. An independent insurance agent in Union, KY can help you assemble a policy made up of all the coverages you need the most.

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How Much Does Car Insurance Cost in Union, KY?

Current average car insurance rates in Union, KY are slightly higher than the national average. Car insurance averages about $1,341 annually in Kentucky, whereas the US overall averages $1,311. Kentucky ranks 21st on the list for the highest cost of car insurance in the country.

Is Car Insurance Required in Union, KY?

Like anywhere else in the US, the city of Union, KY has its own minimum car insurance requirements.

Minimum car insurance requirements in Union, KY:

• Bodily injury liability: Coverage of at least $25,000 per person and $50,000 per incident of bodily injury liability is required.
• Property damage liability: Coverage of at least $25,000 per incident of property damage liability is required.
• Personal injury protection: Basic PIP coverage of $10,000 is required for all drivers aside from motorcyclists.

Your Union, KY independent insurance agent can ensure that you get covered by at least your state's minimum coverage requirements. They'll help you add more coverage where you need it, as well.

Who Are the Best Car Insurance Companies in Union, KY?

You can find car insurance from a ton of different carriers in Union, KY, but we'd like to simplify your journey by offering just a few of our top picks.

Best Car Insurance Companies in Union, KY	Star Rating
Progressive
Travelers
Central Insurance
Westfield
PURE

Why Work with an Independent Insurance Agent in Union, KY?

There's no such thing as a one-size-fits-all car insurance policy. With a wide variety of products and options at your disposal, you can put together a solid car insurance package that's custom-built for you and other drivers in your family.

An independent insurance agent can help you choose the right policies and options to meet your specific coverage needs. Because they're independent, these agents can work with several of the best car insurance companies in Kentucky to find you the right coverage at a great price.