Harrodsburg Car Insurance Resources

Harrodsburg, KY Car Insurance

Cars Insured in Harrodsburg

^ There are an estimated 5,861 vehicles currently insured in Harrodsburg. ^[1]

Car Insurance Rates in Harrodsburg

^ From 2006 to 2010, Kentucky cities had the 29th highest auto insurance rates in the nation. ^[2]

Uninsured Motorists in Harrodsburg

^ There are an estimated 1,013 uninsured motorists driving in Harrodsburg. ^[3]

Harrodsburg Car Insurance

Car Insurance Liability Requirements in Harrodsburg

Minimum Liability Limits in Harrodsburg: 25/50/10 ^[4]
- 25 Required coverage up to $25,000 for one individual injured in an accident
- 50 Required coverage up to $50,000 for all persons injured in an accident
- 10 Required coverage up to $10,000 for property damage in an accident
- Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.
- Note: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Harrodsburg

Harrodsburg Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage
- Personal injury protection coverage

Car Insurance Verification Laws in Harrodsburg

Insurer Verification of Auto Insurance in Harrodsburg ^[4]
- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Harrodsburg Car Insurance Facts, Estimates & Related Laws

Harrodsburg Car Insurance Stats

Number of Auto Insurance Policies in Harrodsburg
- Based on historical and current data, 5,861 cars are currently insured in Harrodsburg. ^[5]
- Kentucky cities collectively ranked 25th in the nation in auto insurance policies in 2011 with a total of 3,049,647. ^[1]
Uninsured Motorist Rate in Harrodsburg
- Based on historical and current data, Harrodsburg has an estimated 1,013 uninsured drivers. ^[6]
- Kentucky cities collectively had the 8th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Harrodsburg
- Kentucky cities collectively had the 27th highest auto insurance rates in the nation in 2010. ^[2]

Harrodsburg Distracted Driving Laws

Hand-held phone ban? No
Texting-while-driving ban? Yes

Texting-while-driving ban in place for all drivers. ^[7]

Young drivers cell phone ban? Yes

Ban applies to drivers younger than 18. ^[7]

Bus driver cell phone ban? Yes

Ban applies to school bus drivers. ^[7]

Enforcement of laws:

Primary enforcement in effect. ^[7]
With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.

Harrodsburg Automotive Laws

Minimum Driving Age in Harrodsburg ^[9]
- Harrodsburg, KY minimum driving age: 16 years.
Driver's License Renewal Cycle in Harrodsburg
- Renewal cycle: 4 years ^[7]
Motorcycle Helmet Laws in Harrodsburg
- Motorcycle helmets required for 20 and younger. ^[7]
- All riders younger than 21 years are required to wear helmets, without exception. Those 21 and older may ride without helmets only if they can show proof that they are covered by a medical insurance policy. * Also covers operators with instructional/learner\'s permits. ^[7]
Safety Belt Laws in Harrodsburg
- Safety belt laws have been in place since 1994 and apply to drivers/passengers 6 and younger and more than 50 inches in all seats; 7+ in all seats. ^[7]
- Child restraint law in place for 40 inches or less in a child restraint; 6 and younger who are between 40 and 50 inches tall in a booster seat. ^[7]

Kentucky Car & Driver Facts

Kentucky Auto Registrations

Auto Registrations in KY ^[8]
- Registered Cars: 1,883,309
- Registered Trucks: 1,770,584
- Registered Motorcycles: 98,495
- Total Registrations: 3,763,027
- Rank: Kentucky ranked 26th in the United States in total auto registrations in 2011.

Kentucky Automotive Facts

Speed Limits in KY
- Rural interstates: 65 mph (70 mph on specified segments of road) ^[7]
- Urban interstates: 65 mph ^[7]
- Other roads: 55 mph ^[7]
Kentucky Motor Fuel Consumption
- Kentucky cities collectively ranked 25th in the nation in total motor fuel consumption in 2011. ^[10]

Kentucky Licensed Drivers

Licensed Drivers in KY ^[11]
- Female Drivers: 1,498,660
- Male Drivers: 1,461,221
- Total Drivers: 2,959,881
- Rank: 27th highest in the U.S.

Additional information about Harrodsburg, KY

About Harrodsburg

Harrodsburg (Kentucky) is a city with a population of 8,340 ^[12] that is located in Mercer County.

More about Harrodsburg auto insurance

For more information about Harrodsburg car insurance, or for additional resources regarding Kentucky car insurance overall, visit the Kentucky Department of Insurance.

Did you know?

Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)