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Richmond, Kentucky Car Insurance

Richmond, with a population of just under 33,000 people, is the biggest town in the center of Kentucky. As home Eastern Kentucky University, the city is today primarily a college town. The town’s claim to fame is that of being the home town of five different U.S. state governors (two of Kentucky, two of Missouri, and one of Montana) as well as home of Cassius Marcellus Clay (1810–1903), noted abolitionist leader and ambassador to Russia who derived some inspiration to free the slaves from witnessing the end of legal serfdom in Imperial Russia. Today the university and its subsidiary businesses complete dominate the town.

Although there was a small decline in the number of car accidents in Richmond between 2007 and 2008, the decrease was minimal. 2007 saw 2,460 accidents as compared to 2,390 in 2008. Out of the 2008 accidents, thirteen people were killed and 566 were injured, both of which represent small improvements over the 2007 numbers. 106 of these accidents involved one or more drivers under the influence of alcohol and twenty-six (including one of the fatalities) involved drivers on drugs. Compared to the number of people, these rates are higher than average, probably reflecting the large number of college students in the town. Drivers with a Richmond address to can expect to pay higher premiums based solely on their living in town.

In order to register your car in Kentucky, you have to show proof of insurance. The minimum levels of liability insurance that will allow you to drive legally in Kentucky are: (a) $25,000 of bodily injury coverage per person in any given accident; (b) $50,000 of bodily injury coverage for all people involved in a given accident; and (c) $10,000 of property damage liability coverage. These minimum standards are known colloquially as “25/50/10”. Assuming you are driving a vehicle that is valued at under $3,000, this minimum coverage can be extremely inexpensive if you have a good driving history.

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