If you’re looking for auto insurance in The Bluegrass state, you may be experiencing confusion and stress. You’re not alone. Finding the right car insurance provider for you in Kentucky is a frustrating experience for almost everyone. It doesn’t matter if you pay in a yearly lump sum to get a discounted rate or take the monthly payment option at a higher premium. At the end of the day finding the right combination of insurance coverage and affordability is the name of the game. It’s only when you experience an unexpected car accident or traffic ticket that you see the real value of the car insurance you picked in Kentucky and the 40505 zip code.
According to the National Highway Traffic Safety Administration, 6 million traffic accidents occur in the United States on average per calendar year. Kentucky struggles mightily in this area and the numbers really tell the story. For the last decade or so, car accidents have been on the rise Kentucky. On average, over 150,000 traffic accidents occur in Kentucky each year according to the Kentucky Office of Highway Safety. It’s a number that only increases as distracted driving becomes more common in the US. On average ⅙ of these accidents involve injuries with 25,000 recording a need for medical attention. Sadly over 700 people die each year on roadways in Kentucky. It’s likely that you’ve even seen one or two of these accidents in Kentucky and 40505 zip code.
No matter how good a driver you are, there is always risk. It’s important to have the right car insurance. Liberty Mutual is our #1 choice based on customer service and average price. Make sure to get a free Liberty Mutual Auto insurance quote today!
When you put that type of risk into perspective, it becomes really important that you assess your appetite for paying for incidents out of pocket. Weigh the insurance minimums in Kentucky and where you want to be in the case of an accident. With mobile phones and plenty of distractions in the car, chances of having a car wreck in Kentucky that involves injury are higher than they’ve ever been. Even with all of the safety upgrades in cars, there has never been a more dangerous time to drive.
Best Car Insurance in Kentucky for 40505
We take a lot of pride in helping our readers through confusing decisions like drivers education, defensive driving courses, and affordable insurance providers. Picking the best car insurance company in 40505 wasn’t easy and after a ruthless investigation of insurance practices, Liberty Mutual came out as the clear #1.
Simply put, Liberty Mutual Insurance offers affordable Kentucky auto insurance that is customized to the needs of Lexington residents. There are many types of insurance needs for 40505 drivers, but Liberty Mutual covers them all in one easy and free online quoting process. Whether you’re looking for liability protection, comprehensive coverage, or bundling options for savings, they have it all. It couldn’t be a simpler process and the statistics tell it all.
Minimum Auto Insurance Coverage in Kentucky
You really should evaluate your coverage options, look at your budget, and decide which policy is right for you. At the end of the day which coverage you choose is a reflection of your risk tolerance and the driving in Lexington for most of your car journeys. The lower coverage you choose, the higher chance of a massive out of pocket cost in the case of a catastrophic car accident. That said, here is the minimum auto insurance coverage in Kentucky in terms of Bodily Injury and Property Damage Coverage in 40505.
Minimum Coverage Amounts
|Bodily Injury Coverage||$25,000 per person and $50,000 per accident|
|Property Damage Coverage||$25,000 per accident|
Who has the Cheapest Car Insurance in Kentucky?
We took a look at the cheapest car insurance providers in Kentucky, but it’s important to note picking the cheapest car insurance likely won’t provide you with the best experience as a customer. Liberty Mutual provides its customers with the best combination of top service and affordable prices. On average Liberty Insurance is $617 cheaper than Geico, $659 cheaper than AllState, and $642 lower than Nationwide. It’s worth getting a free car insurance quote with Liberty Mutual today in our opinion. You can’t lose.
Best Auto Insurance Quotes in 40505
When it comes to getting the best auto insurance quotes in 40505 and Lexington, there is no better place to go than Gabi Insurance services. Gabi is a licensed and certified insurance broker that has wholesale relationships with over 45 different insurance providers in the state of Kentucky. They’ll do the shopping for you and compare apples to apples on the policy you need and break down your options. It’s a really simple process and the value of what each company offers is inherent with how good the Gabi system is. You can tell these guys and gals really know their stuff about auto insurance.
Because of the amount of relationships Gabi has and the ever changing nature of the industry, we highly recommend that all of our readers get a free car insurance quote with Gabi Insurance for peace of mind. They won’t call you and are a completely digital experience. If you want to communicate to them via text message, that’s also an option for you.
Get your free Gabi insurance quote here today!
Lexington Defensive Driving
Want the best defensive driving courses in Lexington, KY? We're looking too! Let us know who is the best in Lexington.
Mandatory Minimum Car Insurance Coverage Amounts by State
Each state has its own rules for insurance. Make sure you read closely here so the insurance you buy covers you to the level you need legally.
How Much Can You Save on Insurance with Defensive Driving?
Wondering how much you can save on insurance with defensive driving? We've got the inside scoop on defensive driving course insurance discount options.
Saving Money on Auto Insurance
Want to save money on car insurance? Save money on your auto insurance by taking advantage of these tips and methods for the best rate.
The Safe Driver’s Guide to Auto Insurance
Are you a safe driver? Learn how much you can save on auto insurance just with your good habits behind the wheel. A Safe Drivers Guide to Auto Insurance