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Cheap Auto Insurance Quotes in Georgetown, KY (January 2022)

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Last Updated: January 2022

Car Insurance in Georgetown, KY

The average cost of Kentucky car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Georgetown, KY to find you the cheapest quotes in the area.
ProgressiveState FarmTravelersThe GeneralAmerican Family

Cheapest Car Insurance in Georgetown, KY

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Average Car Insurance Cost

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Georgetown, KY Driving Facts


Minimum Car Insurance Requirements in KY

All motor vehicles operated or parked on Kentucky roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Kentucky are as follows:

  • $25,000 per person/$50,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Kentucky state law are $25,000 for the death or injury of a single victim as a result of a car accident and $50,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 25/50, referring to the dollar limitations of each minimum. In the case of an accident, liability coverage can aid perpetrators with costs involved in a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Kentucky law.

  • $25,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Kentucky is $25,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

  • $10,000/person Personal Injury Protection (PIP)

Personal Injury Protection (PIP) provides coverage for medical costs that drivers and their passengers may face after an accident. PIP coverage protects drivers even if they are found at-fault. Medical expenses are covered by this type of protection, and a minimum of $10,000 is required for minimum coverage in Kentucky. 

Find local Georgetown agents

Castle Insurance
210 Bevins Lane Ste F, Georgetown, KY 40324
Chenault & Hoge - Georgetown
312 E Main Street Suite 5, Georgetown, KY 40324
The Hockensmith Agency
224 E Main St, Georgetown, KY 40324
Gillis Insurance Agency
147 S Broadway St, Georgetown, KY 40324
Shelter Insurance - Spencer Kilpatrick
118 S Broadway St, Georgetown, KY 40324
Steve Woodrum - State Farm Insurance Agent
102 Finley Dr #80, Georgetown, KY 40324
Owens Insurance Agency
101 Markham Dr, Georgetown, KY 40324
Craig & Hall Insurance Inc
158 E Main St, Georgetown, KY 40324
Philip Humphries: Allstate Insurance
1641 Paris Pike, Georgetown, KY 40324
Grant Rea - State Farm Insurance Agent
401 E Washington St C, Georgetown, KY 40324

Insurify Insights: How Georgetown Drivers Measure Up

Toyota Camry
Most Popular Car in
Georgetown, KY
suspended licenses
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Georgetown drivers measure up to their fellow Kentucky motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents in Georgetown

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Georgetown drivers rank 14 in the number of car accidents per driver across all cities in Kentucky.

  • Rank within state: #14
  • Percent of drivers in Georgetown with an accident: 9.62%
  • Drivers in Georgetown, KY with an accident in their driving history paid on average 34.76% more than drivers with a clean record

Speeding in Georgetown

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Kentucky, Georgetown drivers rank 22 in the number of speeding infractions per driver.

  • Rank within state: #22
  • Percent of drivers in Georgetown with a speeding ticket: 7.45%
  • Drivers in Georgetown, KY with a speeding ticket in their driving history paid on average 40.64% more than drivers with a clean record

DUI/DWIs in Georgetown

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Georgetown drivers rank 1 in the number of DUI’s per driver across all cities in Kentucky.

  • Rank within state: #1
  • Percent of drivers in Georgetown with a DUI: 4.33%
  • Drivers in Georgetown, KY with a DUI in their driving history paid on average 37.43% more than drivers with a clean record

Most Popular Vehicle in Georgetown

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Georgetown is the Toyota Camry.

Hybrid/Electric Vehicle Ownership in Georgetown

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Georgetown drivers rank 10 in hybrid and electric vehicle ownership across all cities in Kentucky.

  • Rank within state: #10
  • Percent of drivers in Georgetown with a hybrid/electric vehicle: 0.67%


The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

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