Car Insurance in Owensboro, KY
Drive around town with confidence when you have car insurance in Owensboro, KY.
About 60,000 people call Owensboro home, and many of them drive. Vehicles can be great for so many reasons, making it easier to get to work and run errands. Autos also offer the possibility of adventure at any time. Of course, it is necessary to review your car insurance policy to make sure it meets your needs.
Public transit in the area is somewhat limited, and the average household has two cars. Commute times run about 17.2 minutes, and most commuters drive alone. Kentucky requires that drivers have a minimum amount of car insurance coverage.
Staying alert is always important for drivers' own safety, passengers' safety and the safety of others on the road and sidewalks. Sadly, about 14 people in the Owensboro region are involved in fatal car accidents per year. Paying attention to your driving and staying off your phone enhances safety for everyone, and you add to that when you use VIU by HUB to explore quotes for car insurance in Owensboro, KY.
The average cost of car insurance in Owensboro, KY, is $125 per month or $1,496 a year. This rate is less than the Kentucky average since Owensboro has less population density and lower accident rates, among other factors.
That does not mean all drivers pay about $125 per month in car insurance in Owensboro, KY. Some may pay more while others pay less. A great deal depends on the car's make and model, the owner's driving history, age and gender, driver discounts, where in Owensboro the driver lives, the miles driven and whether drivers get optional coverage beyond state minimums for more protection and peace of mind.
Kentucky law mandates a $60,000-limit policy or a policy with 25/50/25 coverage. Such coverage offers $25,000 in bodily injury protection per person for injuries you cause, $50,000 for bodily injury protection per accident for injuries you cause and $25,000 in property damage coverage if you are at fault in an accident and cause property damage.
Motorists also need $10,000 in personal injury protection to help with lost wages, medical expenses and similar costs that may result from an accident. This coverage applies regardless of who is at fault.
Many drivers get optional coverage for enhanced protection so they are not left paying out of pocket after an accident. They can increase the 25/50/25 minimums, for example, getting 50/100/50 instead. They can also choose to receive these types of coverage.
Use VIU by HUB to explore your options for car insurance in Owensboro, KY, and easily compare the offerings from multiple providers.
This information is intended for general informational purposes only and is not intended to constitute legal advice.
