Independence, KY, Car Insurance

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Exploring Life in Independence

Independence, KY, is a small city of fewer than 29,000 residents that falls within the much larger Cincinnati metro area just across state lines. It offers an attractive scenic location along the Ohio River while providing the amenities you expect from an urban setting. Drivers will also have easy access to surrounding areas via Kentucky SR-17, which passes through the middle of Independence.

The Car Community in Independence

According to data from Sperling's Best Places, most people who live in Independence drive their own vehicles to work each day (more than 83%). Another 11% carpool to their jobs or classes with others. Generally, you'll need a vehicle to get around town efficiently. The average commute time is longer than average at nearly 28 minutes, compared to a national estimate of just over 26 minutes. Quality Independence, KY, car insurance policies can help your auto stay on the road even after a serious accident.

Common Concerns for Independence Drivers

Dangerous road behavior worries many local drivers. In addition, the state had 131,515 total crashes and 818 fatalities in 2021 alone. The Northern Kentucky Tribute reports that 24% of motorists report getting behind the wheel after drinking too much alcohol. Distracted driving accidents are also on the rise. Investing in Independence, KY, car insurance can protect your budget if you're involved in an accident.

Kentucky residents also face a high risk of severe weather like hurricanes and tornadoes. If strong winds damage your vehicle, you can file an auto insurance claim if you have comprehensive coverage. This policy pays for the costs associated with non-collision events like fire and theft. You can use VIU by HUB to compare rates for full-coverage auto insurance.

Average Independence, KY, Car Insurance Costs

You will pay about $1,557 for the average auto insurance policy in Florence, the closest city to Independence with available data. That's around the same as the national average cost of $1,534 according to U.S. News and World Report.

Independence auto insurance is on the affordable side for a few reasons. The city has a very low rate of property crime, and it's a rural area with limited traffic compared to the density of larger cities. Since prices for insurance vary substantially from one company to the next, you can potentially save even more on coverage by shopping around with VIU by HUB.

Kentucky Car Insurance Requirements

Your Independence, KY, car insurance policy needs to meet certain state minimums. Kentucky requires you to have at least $25,000 per person and $50,000 per accident in bodily injury coverage. This policy pays for legal fees, lost wages and medical costs if you have an at-fault accident. 

You must also have property damage liability coverage of at least $25,000. This policy also takes effect in an at-fault crash. Alternatively, Kentucky drivers can buy an overarching policy that covers both types of liability. It must have at least $60,000 in coverage. 

The state requires you to either opt into no-fault insurance or buy personal injury protection of at least $10,000. No-fault coverage means each insurance company pays the expenses of their own policyholders after an accident. PIP pays for injuries to pedestrians and passengers if you decide not to accept no-fault coverage.

Get personalized quotes for Independence, KY, car insurance in minutes with VIU by HUB. We make it easy to compare rates from top providers.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


Northern Kentucky Tribune

Sperling's Best Places

U.S. Census Bureau

U.S. News and World Report

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