Car Insurance in Georgetown, Kentucky
Estimated full coverage in Georgetown runs about $1,450 a year ($121/month) — ▲ +8% versus the Kentucky average, ranking 4th most expensive of the 8 Kentucky cities we cover.
- Per month
- $121
- vs. Kentucky average ($1,340)
- +8%
- vs. U.S. average ($1,590)
- −9%
- State-minimum coverage
- $575/yr
- Minimum liability
- 25/50/25
- Insurance offices nearby
- 7
Why car insurance in Georgetown costs more than the Kentucky average
Insurers price by territory, and Georgetown's numbers explain most of the gap. With 40,518 residents on 17.7 square miles, the city's density (2,290 people per square mile) is 7.4 times the density where the typical Kentucky resident lives (310). The average commute is 21.5 minutes (Kentucky: 24.0), and 76% of workers drive alone. Together these put our location factor at 1.09× the state baseline for liability and collision, and 1.04× for comprehensive once FEMA weather risk for Scott County is included.
| Factor | Georgetown | Kentucky ref. | Why it matters |
|---|---|---|---|
| Population density | 2,290 / sq mi | 310 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 21.5 min | 24.0 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 6.2% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 75.6% | — | Share of workers commuting by car. |
| Public transit to work | 0.1% | — | Transit use lowers how much residents drive. |
| Work from home | 10.3% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 4.5% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 64.9 | 82.2 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Minimum car insurance in Georgetown
Georgetown drivers follow Kentucky's rules: at least 25/50/25 liability coverage, personal injury protection. Kentucky is choice no-fault. We estimate state-minimum coverage in Georgetown at $575 a year, and $835 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident or $60,000 combined single limit | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $10,000 Basic reparations benefits (PIP) of $10,000 per person are required, except for motorcycles. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | No | — Uninsured motorist coverage equal to the minimum bodily injury limits is included unless rejected on a separate written form. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | No | — Underinsured motorist coverage is optional. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required PIP. | Medical bills for you and your passengers |
Drivers may keep full tort rights by filing a No-Fault Rejection Form with the Department of Insurance.
Risk factors that shape Georgetown premiums
Accidents
Kentucky recorded 707 traffic deaths, or 1.44 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
Kentucky's vehicle theft rate is 192 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Ford Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Scott County as relatively low for hail, relatively low for inland flooding and relatively high for strong wind, and very low for hurricanes.
Traffic & commuting
6.2% of Georgetown commuters spend an hour or more getting to work, and there are 1.82 vehicles per household. 10.3% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 56.5 | Comprehensive (car); roof claims (home) | |
| Tornado | 80.5 | Comprehensive; dwelling | |
| Hurricane | 37.0 | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 58.1 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 92.2 | Comprehensive; dwelling | |
| Winter weather | 69.8 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Georgetown by driver profile
A clean-record driver in their 50s pays the least in our Georgetown model (about $1,335 for full coverage); an 18-year-old on their own policy pays about $3,995, and a DUI pushes a 30-something to $2,685.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,580 | $2,295 | $3,995 | $333 |
| Young adult (22) | $920 | $1,335 | $2,325 | $194 |
| Adult in their 30s | $575 | $835 | $1,450 | $121 |
| Adult in their 50s | $530 | $765 | $1,335 | $111 |
| Senior (72) | $645 | $935 | $1,625 | $135 |
| 30s, one at-fault accident | $835 | $1,210 | $2,105 | $175 |
| 30s, DUI on record | $1,065 | $1,545 | $2,685 | $224 |
Minimum vs. standard vs. full coverage in Georgetown
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $575 | $48 | $470–$680 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $835 | $70 | $685–$985 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,450 | $121 | $1,190–$1,715 |
Estimate your premium in Georgetown
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Cheap car insurance in Georgetown: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Georgetown's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $85 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $100 | You're among the 10.3% of Georgetown workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $340 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $615 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $320 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Georgetown
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 7 offices listed below.
- Check complaint records with the Kentucky Department of Insurance (complaint information) before you buy.
- Mention your ZIP code accurately — within Georgetown, our estimates differ by up to $0 a year between neighborhoods.
Car insurance agents near Georgetown, KY
We found 7 insurance offices within about 3 miles of central Georgetown, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
-
Austin Flannery Agency
123 N Broadway St, Georgetown, KY 40324 -
Erie Insurance
224 E Main Street, Georgetown, KY 40324 -
Grant Rea - State Farm
401 East Washington Street, Suite C, Georgetown, KY 40324 -
Humphries Insurance Agency LLC
1641 Paris Pike, Georgetown, KY 40324 -
Steve Woodrum - State Farm
102 Finley Drive, Suite 80, Georgetown, KY 40324 -
Dane Farrar - Allstate
1002 S Broadway St, Ste 11, Georgetown, KY 40324 -
Erie Insurance
210 Bevins Lane, Suite F, Georgetown, KY 40324
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Georgetown
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $1,100 | −24% |
| Subaru Outback | Wagon | $1,085 | −25% |
| Tesla Model 3 | Midsize car | $1,510 | +4% |
| Subaru Forester | Small SUV | $1,060 | −27% |
| Honda Civic | Compact car | $1,660 | +14% |
| Toyota Corolla | Compact car | $1,560 | +8% |
| Jeep Wrangler | Midsize SUV | $1,245 | −14% |
| Mazda CX-5 | Small SUV | $1,230 | −15% |
| MINI Cooper | Subcompact car | $1,105 | −24% |
| Tesla Model Y | Midsize SUV | $1,360 | −6% |
Car insurance in nearby Kentucky cities
- Lexington $1,405/yr · 13 mi
- Richmond $1,460/yr · 36 mi
- Louisville $1,480/yr · 59 mi
- Covington $1,480/yr · 60 mi
- Elizabethtown $1,390/yr · 80 mi
- Bowling Green $1,395/yr · 133 mi
- Owensboro $1,420/yr · 143 mi
All Kentucky cities and state rules · Homeowners insurance in Georgetown
Frequently asked questions
How much is car insurance in Georgetown, KY?
We estimate full coverage in Georgetown at about $1,450 a year ($121 a month) for a driver in their 30s with a clean record, and about $575 for Kentucky's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Georgetown more expensive than the Kentucky average?
Our Georgetown estimate is 8% higher than the statewide figure. The model reflects a population density of 2,290 people per square mile (the typical Kentucky resident lives at about 310) and an average commute of 21.5 minutes versus 24.0 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Georgetown?
Drivers in Georgetown follow Kentucky law: at least 25/50/25 liability coverage plus PIP.
How much is car insurance for a teenager in Georgetown?
An 18-year-old with their own full-coverage policy would pay around $3,995 a year in Georgetown by our estimate ($1,580 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Georgetown?
FEMA's National Risk Index does not rate Scott County as high risk for hail, hurricanes, flooding or tornadoes, so weather has a smaller effect on the comprehensive part of local premiums.
Are there car insurance agents near me in Georgetown?
We list 7 insurance offices in and around Georgetown, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- Kentucky Transportation Cabinet (DRIVE): Mandatory Insurance
- KRS 304.39-060 (acceptance or rejection of partial abolition of tort liability)
- Kentucky Department of Insurance: No Fault Rejection/Verification (PIP)
- Kentucky Department of Insurance: Personal auto guide
- Kentucky Department of Insurance: Consumer Protection
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Georgetown and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places