Harrodsburg

Minimum Liability~$50–$70
Full Coverage~$130–$155
Minimum Coverage Requirements$25K/$50K/$25K

Show more Auto Insurance stats in Kentucky

Kentucky features moderate insurance premiums, influenced by rural driving risks and a growing urban population in Louisville and Lexington. The state maintains a traditional tort system with no-fault coverage optional, while weather and terrain increase claims in mountainous areas.

Kentucky Auto Insurance Facts

Drivers

~3.0–3.1 million licensed drivers as of 2023.
Vehicle ownership is high, with ~90% of households owning a car.
Pickup trucks and SUVs are popular, especially in rural counties.
Uninsured motorist rate around 14%.
Limited public transit outside urban centers.

Accidents

Year	Reported Crashes	Injury Crashes	Fatal Crashes
2018	~68,400	~20,100	504
2019	~69,800	~20,600	517
2020	~61,900	~18,200	522
2021	~67,300	~19,800	538
2022	~68,900	~20,100	549

Laws & Regulations

Tort liability system.
Uninsured motorist coverage optional but recommended.
Electronic proof of insurance required.

Find and Compare Local Insurance Agents Near Harrodsburg

Save time and money with a FREE online quote
Match and compare rates from America’s leading insurance carriers - in minutes
Get Online Quote
Whitenack & Souder Insurance

204 S Main St, Harrodsburg, KY 40330

(859) 734-4358

Visit Site
David Hopewell - State Farm Insurance Agent

559 S College St, Harrodsburg, KY 40330

(859) 734-5338

Visit Site
Fortitude Insurance Agency

13 N Chiles St, Harrodsburg, KY 40330

(859) 365-0074

Visit Site
Kentucky Farm Bureau Insurance | Mercer County - North College Street

838 N College St, Harrodsburg, KY 40330

(859) 734-4341

Visit Site
Egbert Insurance Inc

230 S Chiles St, Harrodsburg, KY 40330

(859) 734-3388

Visit Site
Defender Insurance Agency KY

518 Pleasant Hill Dr, Harrodsburg, KY 40330

(859) 474-7979

Visit Site
Shelter Insurance - Jamie Dunn

131 N Chiles St, Harrodsburg, KY 40330

(859) 734-4516

Visit Site
Kentucky Farm Bureau Insurance | Mercer County - Summit Center

691 S College St, Harrodsburg, KY 40330

(859) 734-3455

Visit Site
Whitenack & Souder Insurance

204 S Main St, Harrodsburg, KY 40330

(859) 734-4358

Visit Site
Fortitude Insurance Agency

13 N Chiles St, Harrodsburg, KY 40330

(859) 365-0074

Visit Site
Kentucky Farm Bureau Insurance | Mercer County - North College Street

838 N College St, Harrodsburg, KY 40330

(859) 734-4341

Visit Site
Egbert Insurance Inc

230 S Chiles St, Harrodsburg, KY 40330

(859) 734-3388

Visit Site
Shelter Insurance - Jamie Dunn

131 N Chiles St, Harrodsburg, KY 40330

(859) 734-4516

Visit Site
Kentucky Farm Bureau Insurance | Mercer County - Summit Center

691 S College St, Harrodsburg, KY 40330

(859) 734-3455

Visit Site
David Hopewell - State Farm Insurance Agent

559 S College St, Harrodsburg, KY 40330

(859) 734-5338

Visit Site
Defender Insurance Agency KY

518 Pleasant Hill Dr, Harrodsburg, KY 40330

(859) 474-7979

Visit Site

Free Online Quote

Harrodsburg

Kentucky Auto Insurance Facts

Drivers

Accidents

Laws & Regulations

Find and Compare Local Insurance Agents Near Harrodsburg

Whitenack & Souder Insurance

David Hopewell - State Farm Insurance Agent

Fortitude Insurance Agency

Kentucky Farm Bureau Insurance | Mercer County - North College Street

Egbert Insurance Inc

Defender Insurance Agency KY

Shelter Insurance - Jamie Dunn

Kentucky Farm Bureau Insurance | Mercer County - Summit Center

Whitenack & Souder Insurance

Fortitude Insurance Agency

Kentucky Farm Bureau Insurance | Mercer County - North College Street

Egbert Insurance Inc

Shelter Insurance - Jamie Dunn

Kentucky Farm Bureau Insurance | Mercer County - Summit Center

David Hopewell - State Farm Insurance Agent

Defender Insurance Agency KY

Find a Local Insurance Agents

Get Insured Online

Articles

Legal