Whitley City Car Insurance

Everything You Need to Know About Car Insurance in Whitley City, KY

Find the right car insurance policy for you.

Whitley City, KY is a charming small town that serves as the county seat of McCreary County. This small town has beautiful historic landmarks and many outdoor adventures. Whitley City offers a heavy dose of southern hospitality with a touch of small-town charm. Each year, Whitley City hosts a three-day-long Blazing Bluegrass festival. Locals have to make their way through busy streets and heavy traffic, so make sure you are prepared with the best Whitley City car insurance. Our Independent Insurance Agents can help drivers find reliable auto insurance at affordable prices. Our agents can help new drivers and experienced drivers find the best policy for their unique situation.

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

If you are a driver in Kentucky, the cost of insurance is slightly higher than the national average, but keep in mind certain factors determine your personal rate. The type of car your drive, your driving record and your age are all things that are considered when finding your customized rate for car insurance in Whitley City.

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. 

Number of Uninsured Motorists in Kentucky

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

Each state deals with uninsured drivers on the roads, and Kentucky is no exception. Having an accident with an uninsured driver could lead to devastating financial loss. Our agents can help you by adding uninsured motorist coverage to your Whitley City 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

Despite Whitley City’s low crime rate when compared to the national average, car theft can still happen. It is important to take certain precautions, like keeping your doors locked and parking in well-lit areas, when driving to remote areas of the city. Our agents will guide you to the best Whitley City auto insurance policy to protect you from auto theft.

Find a Great Whitley City Car Insurance Policy

Drivers can be easily overwhelmed when trying to find Whitley City auto insurance. With so many options, the process can be confusing. 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 Whitley City auto insurance.

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