Versailles Car Insurance

Everything You Need to Know About Car Insurance in Versailles, KY

Find the right car insurance policy for you.

Versailles, KY is located in the heart of the Bluegrass region and only a short drive from Lexington and Louisville. This charming city is known for its bourbon distilleries, serene farmland, and historic bed and breakfasts. Versailles offers a heavy dose of southern hospitality with a touch of small-town charm. Whether you’re heading out for a visit to the Kentucky horse farm or to do some amazing antique shopping, you will have to navigate busy roads and constant traffic. Make sure you’re prepared with the best Versailles car insurance. 

Our Independent Insurance Agents specialize in helping Versailles drivers find reliable auto insurance at affordable prices. Whether you’re a brand-new driver or an experienced driver with decades behind the wheel, our experienced agents can help you find the best auto insurance coverage for your unique situation.

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

Auto insurance premiums in Kentucky are a little on the high end compared to the national average. However, the rates can vary depending on several different 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 Versailles.

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. It is always a good idea to purchase additional insurance in the event that an accident exceeds the amount of your insurance. Otherwise, you will be stuck paying the difference out of your own pocket.

Number of Uninsured Motorists in Kentucky

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

Uninsured motorists are a problem in most states across the nation. It is hard enough to deal with all the trauma of a car accident, but it becomes even harder if the driver at fault doesn’t have insurance. Our agents can help you add uninsured motorist coverage to your Versailles 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

Versailles has a crime rate when compared with the national average. Make sure you keep your car doors locked and park in well-lit areas if you are venturing out at night into the city’s more remote locations. Let an independent agent help you find a Versailles auto insurance policy that offers the best protection against theft.

Find a Great Versailles Car Insurance Policy

Our Independent Insurance Agents will walk you through the whole process by answering your questions and pointing you toward the most comprehensive auto insurance for your vehicle. Our agents can help you navigate the difficult process by offering you multiple quotes on many different policies. This will help you compare rates and find a plan that works for you and fits your budget. 

Contact an agent today to learn more, and get a free rate quote on Versailles auto insurance.

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