Car Insurance in Georgetown, KY
Compare, shop and customize quotes from top-rated insurance carriers.
Auto Insurance Designed for Your Needs
A historical delight nestled in horse country, Georgetown's 38,780 residents and its many visitors can find unique surprises at every turn. Known as the birthplace of bourbon, the town's historical roots are balanced with modern times as it is home to Toyota's largest manufacturing plant.
Along with exploring the quaint streets, which feature historic architecture, the Kentucky Horse Park, has 1,200 acres of equine attractions for people of all ages. Steeped in racing history, the town has plenty of museums, art attractions, boutiques and cafes.
Whether taking a drive through town or heading out to the nearby Keeneland Race Course or Bluegrass Scenic Railroad and Museum, safe driving means having car insurance in Georgetown, KY. To find the best rates for your needs, VIU by HUB makes it easy to compare quotes.
Car Insurance in Georgetown, KY, Is a Necessity
While Georgetown has the Bluegrass RIDE, which is a fare-free transit service, it only offers two routes with somewhat limited timeframes. For most people, that means relying on a personal vehicle to get to where they need to go. Considering that the average commute time is 20.7 minutes. having the right insurance helps ensure peace of mind while on the road.
Georgetown weather offers a little a little of everything, including some form of precipitation 126 days per year. Wet slippery conditions, along with construction, distracted drivers, speeders and other road risks contribute to the state having around 10,000 accidents every month.
Varying Auto Insurance Rates
As a relatively smaller town, car insurance in Georgetown, KY, often costs less than in other states or larger cities. The amount of coverage and other factors will also play into how much you have to pay. Key elements that insurers look at include:
- Age: Rates tend to start decreasing after a person turns 25, but they may start to increase after turning 65.
- Vehicle Type: Certain vehicles are less expensive to insure. Often, a truck costs less than a sedan. Vehicles known for their safety record may mean getting a small discount.
- Driving Record: A clean record is important for keeping rates down. While one, small speeding ticket may not put a dent in your insurance budget, frequently high-risk violations or accidents can make your insurance skyrocket.
Coverage for Different Risks
Kentucky law mandates that drivers have a specific minimum liability auto insurance coverage. Liability helps cover legal defense and injury costs if you cause an accident. The state minimum is $25,000 for bodily injury with a maximum of $50,000 per incident and $10,000 to cover property damage sustained.
While liability is a requirement, driving inherently comes with other risks. Without the right coverage, you may face unexpected financial woes. Luckily, there are different types of auto insurance in Georgetown, KY, to keep you covered.
Comprehensive coverage goes beyond liability to help pay for the repairs your vehicle sustains in an incident not related to a collision. It can cover fire, contact with animals or theft. Surprisingly, 88 car thefts happened in Georgetown in 2019. Collision is another add-on that covers repairs to your vehicle if you cause a collision.
While every person's situation is unique, anyone who drives needs car insurance in Georgetown, KY. To get the most out of your insurance without overpaying, VIU by HUB makes it easy to compare custom quotes from multiple insurers.
This information is intended for general informational purposes only and is not intended to constitute legal advice.