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Frankfort, Kentucky Car Insurance

With just under 28,000 people, Frankfort ranks as the fifth smallest state capital in the United States. Capital of Kentucky since the 1790s, the city is dominated by the state administrative apparatus and is also home of the historically black Kentucky State University. Situated in between the state’s two major cities of Louisville and Lexington, the state capital is in close proximity to both and is about an hour and a half away from the Cincinnati (Ohio) metropolitan area. Frankfort is also the home a several national brands of Kentucky bourbon whiskeys. Due to the transitory nature of government workers and university students, Frankfort has a highly mobile population with newcomers arriving and other leaving frequently.

Frankfort is too small to have readily available traffic statistics, but most of the accidents that have happened in the Franklin County as a whole have happened in or around Frankfurt. In 2008 the county as a whole had 1,584 car accidents, representing a decrease from the 1,733 that were recorded in 2007. Of these accidents, there were three fatalities and 395 people were injured. Because many people commute from Lexington (only 29 miles away along the Interstate), many cheap car insurance companies view Frankfort as being part of a larger metropolitan area as opposed to a small isolated town of 28,000 people, so having a Frankfort address may result in higher insurance premiums.

Though many different kinds of coverage are available in Kentucky, the state does have minimum requirements. Drivers must have at least $25,000 worth of bodily injury liability insurance per person in an accident; have at least $50,000 in coverage for all bodily injury per accident; and property damage liability of at least $10,000. Any legitimate liability insurance policy that you purchase in Kentucky should cover these basics at the very least. Proof of insurance is required to have your car registered and must also be shown at demand to law enforcement officers.

Car Insurance in Kentucky

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Frankfort Insurance
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