Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Lexington

Our Recommended Top 12

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 Lexington 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.

171Reviewed

107Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

1313 Lyndon Lane, Lexington, KY 40222
WebsiteLicense: 928185

Expertise.com Rating

Review Sources

Google
5.0 (2)

Why choose this provider?

Ditsler Insurance Agency LLC is a local and community-centered auto insurance agency that's located in Louiseville but also services Lexington and surrounding areas. Being locals, they consider their knowledge of the community as an advantage when providing insurance policies for residents and businesses that suit their unique needs. The agency offers a wide variety of insurance coverages including personal and commercial auto, recreational vehicles, and watersports and boats. They also offer life and homeowners' insurance.

  • Multiple Carriers

635 N Broadway, Lexington, KY 40508

Expertise.com Rating

Review Sources

Google
4.7 (74)
Facebook
4.7 (13)
Yelp
3.0 (2)

Why choose this provider?

Sullivan Insurance Agency is a locally owned, independent insurance agency that sells auto insurance and has been serving the community of Lexington, Kentucky, since 1962. The company offers insurance that covers cars, vans, trucks, SUVs, motorcycles, classic cars, ATVs, RVs, and other motor vehicles. The agency additionally provides insurance products that include coverage tailored for homeowners, renters, business owners, landlords, and employees. Sullivan Insurance Agency works with multiple insurance carriers to find the best coverage options and price, including American Modern, Bristol West, Foremost, Hagerty, Kentucky National Insurance Company, Progressive, Safeco Insurance, and Vacant Express.

1085 Eagle Lake Drive, Lawrenceburg, KY 40342
WebsiteLicense: 720311

Expertise.com Rating

Review Sources

Google
4.5 (10)
Yelp
5.0 (1)

Why choose this provider?

TruePoint Insurance, which is located in Lawrenceburg, is a team of risk management specialists that serves Lexington. Included in its line of products is auto insurance, which reimburses policyholders' losses in cases of injury or damage. The company's agents have access to policies from different carriers like Travelers, The Hartford, and Auto-Owners Insurance, allowing them to provide clients with a range of options. TruePoint Insurance was founded by Brad Smith in 2009. Brad has been protecting clients for over three decades.

  • RV & Motorhome
  • Boats
  • Motorcyle & ATV

100 East Main Street, Lexington, KY 40031
WebsiteLicense: 890093

Expertise.com Rating

Review Sources

Facebook
4.7 (15)

Why choose this provider?

Active since 2017, Jennifer Jacobs is an auto insurance agent for State Farm. She meets with clients from Lexington to discuss policy plans for unexpected road risks, like animals and weather. Jennifer provides coverage for repairs when a car collides with another vehicle or a roadside hazard. She also has add-on coverages for bodily injuries to passengers and other drivers. In addition, she also offers health and homeowners insurance. Prioritizing communication, Jennifer provides access to a dedicated person that customers can message about their concerns.

  • Boats

3306 Clays Mill Rd Ste 106, Lexington, KY 40503

Expertise.com Rating

Review Sources

Google
4.9 (29)
Facebook
4.4 (7)

Why choose this provider?

Heritage Insurance is a full service, independent insurance agency in Lexington, Kentucky, that provides auto insurance for all of central Kentucky. Established in 1990, Heritage offers both personal and commercial auto insurance products that include coverage for cars, trucks, motorcycles, and other motor vehicles and additional coverage for boats. The company also provides home insurance, renters insurance, workers comp insurance, business liability coverage, umbrella insurance, and coverage for floods and earthquakes. Professionals at Heritage Insurance supplies a wide variety of insurance products to over 2,000 clients, including individuals, families, and business.

41 S Main St, Winchester, KY 40391

Expertise.com Rating

Review Sources

Google
4.5 (8)

Why choose this provider?

Winchester Insurance Agency is an independent auto insurance company selling to the residents of Lexington, Kentucky, and the nearby cities. The company maintains relationships with more than 25 insurance providers, such as the Hartford, Progressive, Liberty Mutual, and American Modern, to offer its clients many options and policies to fit their unique needs. It sells collision and comprehensive coverage for traditional and classic collection vehicles, which covers property damage and medical bills for drivers and passengers in the event of an accident or natural disaster. Winchester Insurance Agency also sells business and homeowners insurance.

13117 Eastpoint Park Boulevard, Lexington, KY 40223
WebsiteLicense: 944086

Expertise.com Rating

Review Sources

Facebook
4.8 (20)

Why choose this provider?

Local Choice Insurance is an agency that provides comprehensive insurance products for individuals, families, and businesses. Operating in multiple areas statewide, it can help vehicle owners in Lexington acquire an auto insurance policy based on their specific requirements, expectations, and individual risks. The company’s professional agents work with numerous carriers to present clients with various options to choose from. In addition to standard auto insurance, Local Choice Insurance also sorts out insurance policies for classic cars, motorcycles, and RVs.

  • Multiple Carriers
  • Bundling Option

6317 W Highway 146 Ste 2, Lexington, KY 40014
WebsiteLicense: 400505

Expertise.com Rating

Review Sources

Google
4.7 (16)
Facebook
5.0 (3)

Why choose this provider?

SNA Insurance is a multi-line agency that has been assisting Lexington individuals and businesses since 1999. The company's product range includes auto insurance, which reimburses losses from vehicle damage resulting from collisions and helps pay for medical bills in case the policyholder gets injured in a car accident. Hagerty, Kemper, MetLife, Safeco Insurance, Grange, and Encompass are some of the carriers it works with to provide clients with a range of policy options. SNA Insurance also serves residents in Tennessee and Indiana.

  • Multiple Carriers
  • Boats

1353 W Main St, Lexington, KY 40508

Expertise.com Rating

Review Sources

Google
5.0 (1)
Facebook
5.0 (1)

Why choose this provider?

Founded in 1995, Mann Sutton & McGee Insurance Services is an independent insurance agency located in Lexington, Kentucky. Auto coverage professionals work with several carriers, such as Auto-Owners Insurance, Progressive, and Safeco Insurance, to help drivers get the right amount of coverage at a competitive rate. The company offers insurance policies for all vehicle types, including cars, trucks, boats, RVs, motorcycles, and RVs. Other asset protection plans are available for homes, condos, dwellings, mobile homes, renters, floods, and personal umbrella policies that add an extra layer of security for homeowners.

10340 Bluegrass Parkway, Lexington, KY 40299
WebsiteLicense: 702669

Expertise.com Rating

Why choose this provider?

Coleman & Associates Insurance Group is a team of agents in Louisville that serves residents in Lexington and the rest of the state. They specialize in customizing protection plans, including auto insurance. They compare policies from multiple carriers and can provide car owners with a quotation within 24 hours. In addition to auto insurance, they also offer home, life, health, and commercial insurance. Coleman & Associates Insurance Group serves individuals and businesses in Southern Indiana as well.

  • Bundling Option

3008 Atkinson Ave, Lexington, KY 40509

Expertise.com Rating

Review Sources

Google
4.9 (102)
Facebook
5.0 (13)

Why choose this provider?

Founded in 1982, the Energy Insurance Agency is an independent insurance agency based in Lexington, Kentucky, licensed to operate in over 48 states. A specialist in personal and business insurance, the agency provides auto insurance solutions for individuals with one car, families with several, and businesses with one vehicle or a whole fleet. Coverage can include protection if the vehicle needs to be repaired or another party claims medical expenses or higher liability coverage for businesses to reflect the greater risk to their assets. The agency can also design employee benefits programs for businesses.

4071 Tates Creek Centre Dr Ste 308, Lexington, KY 40517

Expertise.com Rating

Review Sources

Google
5.0 (331)
Facebook
4.9 (44)
Yelp
3.0 (2)

Why choose this provider?

Real Good Group, an independent insurance agency and brokerage in Lexington, Kentucky, provides auto insurance policies to suit its customers' needs, offering tailored policies that include comprehensive and collision coverage, protect against liability, and cover property damage. The company also offers insurance products for restaurants, contractors, and other businesses as well as life insurance, long term care insurance, and disability insurance. Since its founding in 2018, Real Good Group has offered a portion of every dollar earned back to the community, helping to clothe, feed, and educate the neediest of Lexington residents.

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.

  • Is comprehensive auto insurance mandatory in Lexington?

    No. In Lexington, having comprehensive auto insurance is not required by law. However, if the vehicle has been rented or not entirely paid off, lenders may demand that you obtain comprehensive auto insurance. Comprehensive insurance protects against losses caused by events like fire, earthquakes, windstorms, hail, vandalism, falling or flinging objects, and animal contact that are frequently beyond your control.

  • What coverages are excluded from Lexington auto liability insurance?

    Usual Lexington auto insurance liability policies do not cover the cost of fixing damage to your own vehicle after an accident. It also does not pay the repair costs of weather-related or disaster-related damage, such as hail or earthquake. Although liability insurance helps cover the medical expenses of a person you hurt, it does not cover your own injuries. Because of this, you might want to think about purchasing medical payment insurance or personal injury protection for your own injuries.

  • What modifications could result in vehicle insurance discounts in Lexington?

    Your Lexington auto insurance provider may offer you discounts if you make improvements to the safety and security of your vehicle. Rear and front cameras, parking sensors, alarms or security systems, adaptive lighting, and daytime running lamps are a few examples of improvements that could cut down your auto insurance prices.

  • Do you need to get auto insurance in Lexington for the time that your automobile is being transported?

    No, especially if you won't be driving the automobile at all, you are not obliged to obtain auto insurance in Lexington for your car while it's being transported. However, if there is a problem with your transporter's insurance, your auto policy's comprehensive and collision coverage may be able to save you from liability for damage to your vehicle during transportation.

  • Does Lexington law require a police report for every auto insurance claim due to a collision?

    Yes. A formal police report is required in Lexington if the car is damaged in a collision or if you are claiming physical injury. This aids the insurance company in determining fault and eliminating malicious intent. If you want to file a lawsuit against the other party involved for damages, a police report is also necessary. You must submit your own report to the Kentucky State officers if the police do not arrive at the accident scene.

  • 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.