Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Kentucky

Our Recommended Top 14

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Kentucky Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

2550Reviewed

1535Curated

14Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

Website
Lawrenceburg

Why choose this provider?

TruePoint Insurance - Lawrenceburg is a team consisting of the best risk management advisors serving Kentucky. The independent agency offers several products, including auto insurance. Its team customizes policies according to type of vehicles and number of drivers to be insured. The agents review and compare policies from different providers such as Dairyland, Foremost Insurance Group, Encompass, and Mercury. They are led by Brad Smith, who has been working in the insurance industry for more than three decades.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Facebook
4.9 / 5 (26)
Google
4.4 / 5 (9)
Yelp
5.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Louisville

Why choose this provider?

Local Choice Insurance is a multi-line agency that serves individuals and businesses in Kentucky. It offers a number of personal insurance products, including protection plans for automobiles, classic cars, recreational vehicles, and motorcycles. Its agents also write policies for renters and condominium owners. To find policies that best suit clients ' needs, they review and compare plans from different carriers, such as Grange, MetLife, and Encompass. The risk management professionals are also licensed to serve in Ohio, Indiana, Pennsylvania, and Texas.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (75)
Facebook
4.8 / 5 (33)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Frankfort

Why choose this provider?

Steve Woodrum is a State Farm agent based in Kentucky. Together with his team, he provides the best car insurance plans that help clients recover losses from collision damage and accidents involving uninsured and underinsured motorists. He also furnishes policies for Lyft and Uber drivers. Woodrum specializes in providing risk management solutions for employees of Kentucky State University and Commonwealth of Kentucky. He joined State Farm in 1994 and opened his own office under the company six years later.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (330)
Facebook
4.9 / 5 (57)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Jeffersonville

Why choose this provider?

Nicholson Insurance Agency has been serving individuals and businesses in Kentucky and Indiana for more than two decades. Its team writes auto insurance policies that reimburse losses in case of accident or theft. Its risk management professionals also provide car insurance plans that cover financial expenses in the event that a policyholder injures others. In addition, they offer home, business, and life insurance. The agency represents a number of insurance carriers, including MetLife, Progressive, Mapfre, and Bristol West Insurance Group.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.9 / 5 (14)
Facebook
4.3 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Louisville

Why choose this provider?

Carr Insurance is a team of independent risk management advisors serving Kentucky and Ohio. They provide various types of protection plans, including car insurance, which cover physical damages resulting from collisions and accidents involving underinsured and uninsured motorists. They also customize policies to include medical payment and bodily injury liability coverage. Carr Insurance is headed by Greg Carr, a Certified Insurance Counselor who joined the agency in 2002. He has a background in marketing and finance.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Lexington

Why choose this provider?

Heritage Insurance provides personal and commercial lines of protection for clients in Kentucky. With access to policies from a wide range of providers, including MetLife, Zurich, Grange, and The Hartford, its team of agents furnishes customizable insurance plans for drivers of cars and trucks. They also offer home, flood, and life insurance. Heritage Insurance has an online client service center, where policyholders can file claims and submit payments. It has been operating since 1990 and currently insures over 2,000 families, individuals, and businesses in the Central Kentucky area.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.9 / 5 (36)
Facebook
4.4 / 5 (9)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Richmond

Why choose this provider?

Serving Kentucky, Linvill Insurance Agency - Richmond is an independent, family-owned, third-generation company. Its team provides driver protection plans, which cover losses from theft and accidents along with policyholders' liability in the event that they injure others. With access to policies from numerous providers, the agents also customize coverages to protect teen drivers and cars with custom audio equipment. Auto-Owners Insurance, Hagerty, and Grange are some of the company's partner carriers. President and CEO Larry E. Linville has been in the industry since 1974.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Lexington

Why choose this provider?

Real Good Group provides risk management assistance for individuals and businesses in Kentucky. Operating independently, it offers customizable insurance plans, including policies that protect drivers and their vehicles from collisions and non-collision accidents. Its agents also furnish protection plans that cover bodily injury liability and accidents involving uninsured motorists. They review and compare policies from different carriers in order to find coverages that best suit clients' needs. Real Good Group has protected nearly 2,000 clients.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (335)
Facebook
4.9 / 5 (47)
Yelp
3.0 / 5 (2)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Louisville

Why choose this provider?

Joe Maupin Insurance Agency, Inc., is an independent company that has been serving Kentucky for more than 15 years. One of its products is car insurance, which helps pay for losses resulting from collisions, theft, and fire. Its team also writes policies that cover accidents involving uninsured motorists. With access to policies from numerous providers including Chubb, Dairyland, and The Hartford, the agents find cheap coverages that best meet clients' needs. They also protect individuals and businesses in Illinois, Ohio, and Florida.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.7
Google
4.8 / 5 (27)
Facebook
4.5 / 5 (12)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Louisville

Why choose this provider?

Aspen Ridge Insurance is a veteran- and family-owned business in Kentucky that operates independently. It provides a number of cheap products, including auto insurance, which helps drivers recover losses from accidents involving uninsured motorists and vehicle damage resulting from collision. Its team customizes car insurance policies according to motorists' driving history, vehicle type, and age. Aspen Ridge Insurance, which is also licensed to serve Tennessee, Michigan, and Ohio, is headed by Joel Peterson, who started working in the insurance industry in 2007.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (323)
Facebook
5.0 / 5 (25)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
La Grange

Why choose this provider?

Jennifer Jacobs is a Kentucky-based insurance agent, affiliated with State Farm. She offers various insurance products, including auto insurance. The plan can be customized to cover accidents caused by uninsured motorists and perils such as fire, theft, and vandalism. Jacobs is also licensed to provide insurance in Tennessee and Indiana. For several years, her State Farm agency has been recognized as the Insurance and Financial Services Provider of the Year by the Prospect Chamber of Commerce.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (216)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
3.8
Responsiveness
Friendliness
Helpfulness
Detail
––

Website
Shelbyville

Why choose this provider?

Turner Insurance Agency, Inc., is an independent company that serves Kentucky. It provides car insurance policies, which help pay for the repair and replacement costs in the event that the insured vehicles get stolen or damaged. Its website also allows clients to make changes to their existing auto insurance plans in case they want to add or remove insured drivers. Equipped with coverage options from partner providers such as MetLife, Progressive, and Auto-Owners, Turner Insurance Agency's team also provides customizable plans to the owners of recreational vehicles.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.8 / 5 (20)
Facebook
5.0 / 5 (11)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Lebanon

Why choose this provider?

Higdon Insurance Agency is an independent company that assists individuals and businesses in Kentucky. It offers the best car protection plans that cover damages from collisions and help pay for financial losses in the event that the insured driver injures others. Its team, which has access to policies from Erie Insurance, also protects owners of boats, motor homes, and motorcycles. Higdon Insurance Agency maintains professional associations with the Independent Insurance Agents and Brokers of America, Inc. and National Association of Professional Insurance Agents.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.8
Google
4.7 / 5 (15)
Facebook
4.8 / 5 (14)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

Website
Lexington

Why choose this provider?

Mann Sutton & McGee Insurance Services is a multi-line agency based in Kentucky. Included in its product line is auto insurance, which covers vehicle damage and injuries to passengers, pedestrians, and other motorists that were caused by the insured driver. The independent company also insures recreational vehicles and boats, in addition to personal belongings and homes. It protects clients with the help of its partner insurance carriers such as Grange, Travelers, and Auto-Owners. The agency has been in the business since 1995.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.

  • How does car insurance work?

    Car insurance functions in a way similar to other insurance policies. In exchange for a monthly premium payment, an insurance company assumes liability should an accident occur up to the coverage levels specified in a prearranged policy. This means if an accident occurs, the driver won't have to pay the full cost of repairs out of pocket.

  • What does car insurance cover?

    Car insurance coverage can vary from one plan to another. It typically includes coverage for damages to a vehicle from accidents, medical expenses for people injured in accidents, and related costs after accidents with uninsured drivers. Some policies may cover additional perks, such as roadside assistance or a rental car during post-accident repairs.

  • Does car insurance cover theft?

    Comprehensive car insurance generally includes theft protection. This means if a car is stolen and isn't recovered, the insurance agency will pay for the value of the car. However, comprehensive insurance that covers theft is optional coverage.

  • How does a car insurance deductible work?

    A deductible is an amount that must be paid out of pocket before insurance coverage is applied. If a driver with a $1,000 deductible gets in an accident that causes $10,000 in damage, the driver must pay $1,000 and the insurance company pays the remaining $9,000. Deductibles amounts vary between coverage types.

  • Do you need insurance to register a car?

    Yes, drivers need a valid car insurance policy to register a vehicle in most U.S. states. Car insurance is a legal obligation, and the DMV may suspend registration if insurance isn't maintained. Some banks and other lenders may also require a certain level of insurance before funding an auto loan.