Kentucky has plenty of winding trails, motorcycle clubs and auto shops available for motorcyclists. If you own a bike in Fort Campbell, make sure you have the right insurance limits to drive safe and legally on the road.
Kentucky Motorcycle Insurance Requirements
Each state has different insurance requirements for motorcycles. Kentucky requires bikers to carry:
- $25,000 in bodily injury liability per person
- $50,000 in bodily injury liability per accident
- $10,000 in property damage liability
Liability insurance provides compensation if you cause bodily injury or property damage while operating the insured motorcycle. This isn't the only coverage you need, however. Kentucky faces its fair share of dangers, from heavy rain and floods to theft. Along with liability insurance, full coverage in Fort Campbell, Kentucky typically includes:
You can also purchase extra coverage for customized motorcycle parts.
- Comprehensive Coverage: This covers damage to your motorcycle due to fire, wind, storms, theft, vandalism and more.
- Collision Coverage: This covers collision damage from another vehicle or object.
- Medical Expense Coverage: Also known as personal injury protection (PIP), the coverage helps with the cost of medical bills for you and your passengers after an accident.
- Guest Passenger Liability: If you allow someone else to operate the insured motorcycle, this liability insurance helps cover bodily injury and property damage they cause.
- Uninsured/Underinsured Motorist: This covers damages if you crash with a driver who doesn't carry insurance.
How Much Is Motorcycle Insurance In Fort Campbell, KY?
Motorcycle insurance premiums vary depending on multiple factors, including your:
- Credit Score
- Claims History
- Value of the Motorcycle
The average cost of motorcycle insurance in Kentucky is about $515 a year (approximately $42.91 a month). This also depends on your location within Kentucky, however. For example, he average cost of motorcycle insurance in Hopkinsville, Kentucky is about $548 a year (around $45.66 a month).
Younger motorcyclists will pay more for motorcycle insurance, as they're statistically more likely to file a claim. Your credit score will also affect the cost of your motorcycle insurance.
You may lower your motorcycle insurance rates by shopping around and building your credit score by paying off bills and loans. Drivers typically see a drop in their motorcycle insurance rates once they turn 25 years old. You can also look for different discounts, such as:
- Mature rider discounts
- Multi-bike discounts
- Training course discounts
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