Top 10 Kentucky Car Insurance Companies
Out of all the Kentucky car insurance companies, we rank Allstate the highest for being the most accessible, from their personal insurance agents to their mobile app. But don't take our word for it. Find the best Kentucky auto insurance companies near you by entering your ZIP code below and comparing local Kentucky car insurance quotes for free.
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Licensed Agent for 15 Years
Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...
Rachael Brennan
Former Auto Insurance Claims Manager
Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.
Chris Harrigan
Updated June 2022
Kentucky residents have a wide range of car insurance companies to choose from. Each company is uniquely different; however, they all meet or exceed the minimum state insurance requirements. Consumers can choose an insurance company to meet their individual needs and preferences. Whether you are looking for an online experience or a dedicated agent, there is a company available to meet your needs.
Approximately 45 car insurance companies service the state of Kentucky. The top ten car insurance companies for the state of Kentucky are listed below. A brief company profile, pros, cons and special programs has been provided for quick reference. Take a look into their customer service and what their ratings are like as well.
Insurance rates and premiums are based on the performance and driving history of the individual and therefore are not included as a factor. Compare car insurance premiums by entering your ZIP code into our FREE comparison tool!
Table of Contents
1. Allstate
Company Profile
- Established in 1931
- Headquarters located in Northbrook, Ill.
- A Fortune 100 company with $131 billion in total assets
- Provides 13 major lines of insurance including auto, marine, property and life
- Services all 50 states
Pros
- Personal agent to handle your policy
- Offices throughout the United States
- Representative available via phone 24 hours a day, 7 days a week
- Online services including ability to file a claim
- Local Drive-In Centers nationwide for convenient claim service
- Mobile App available
Cons
- None
Special Programs
New Car Replacement
Deductible Rewards
Safe Driver Bonuses
Accident Forgiveness
2. AMICA Mutual
Company Profile
- Established in 1907
- Headquarters located in Lincoln, R.I.
- Provides auto, marine, homeowners, and excess liability insurance
- Services all states excluding Hawaii
Pros
- Representative available via phone 24 hours a day, 7 days a week
- Online services including ability to file a claim
- Mobile App available
Cons
- No personal agents
- Limited offices
Special Programs
- None
3. Encompass
Company Profile
- Established in 1982 as a subsidiary of Allstate
- Headquarters located in Northbrook, Ill.
- Provides auto, marine, homeowners, and home-based business insurance
- Services all states excluding Hawaii and Alaska
Pros
- Personal agent to handle your policy
- Representative available via phone 24 hours a day, 7 days a week
- Online services including ability to file a claim
Cons
- Limited offices
- No mobile app available
Special Programs
- HomeWork Discount
4. Geico
Company Profile
- Established in 1936
- Headquarters located in Chevy Chase, Md.
- Provides auto, marine, homeowners, flood, life and overseas insurance
- Services all 50 states
Pros
- Representative available via phone 24 hours a day, 7 days a week
- Online services including ability to file a claim
- Mobile App available
Cons
- No personal agents
- Limited offices
Special Programs
- Accident Forgiveness
- Military Discount Program
5. Grange
Company Profile
- Established in 1935
- Headquarters located in Columbus, Ohio
- Provides auto, marine, homeowners and life insurance
- Services for the following states: Georgia, Illinois, Indiana, Iowa, Kentucky, Michigan, Minnesota, Ohio, South Carolina, Tennessee, Virginia and Wisconsin
Pros
- Representative available via phone 24 hours a day, 7 days a week
- Online services including ability to file a claim
Cons
- No personal agents
- Limited offices
- No mobile app available
Special Programs
- Accident Forgiveness
- Military Discount Program
6. Hartford
Company Profile
- Established in 1810
- Headquarters located in Hartford, Conn.
- Provides a wide range of insurance including auto, marine and property
- Services all 50 states
Pros
- Personal agent to handle your policy
- Offices throughout the United States
- Representative available via phone 24 hours a day, 7 days a week
- Online services including ability to file a claim
- Mobile App available
Cons
- None
Special Programs
- None
7. Kentucky Farm Bureau
Company Profile
- Headquarters located in Louisville, Ky.
- Provides a wide range of insurance including auto, marine, property and farm
- Only services customers in Kentucky
Pros
- Personal agent to handle your policy
Cons
- Only services customers in Kentucky
- Representative available via phone only during normal business hours
- Limited online options – No online claim filing
- No mobile app available
Special Programs
- Farmers Discount
8. Kentucky National Insurance
Company Profile
- Headquarters located in Lexington, Ky.
- Provides eight lines of insurance including auto, marine and property
- Only services customers in Kentucky and Tennessee
Pros
- Personal agent to handle your policy
Cons
- Only services customers in Kentucky and Tennessee
- Representative available via phone only during normal business hours
- Limited online options – No online claim filing
- No mobile app available
Special Programs
- None
9. Progressive
Company Profile
- Established in 1937
- Headquarters located in Mayfield Village, Ohio
- Provides a wide range of insurance including auto, marine and property
- Services all 50 states
Pros
- Personal agents available if desired
- Representative available via phone 24 hours a day, 7 days a week
- Online services including ability to file a claim
Cons
- Limited offices
- No mobile app available
Special Programs
- None
10. State Farm
Company Profile
- Established in 1922
- Headquarters located in Bloomington, Ill.
- Provides a wide range of insurance including auto, marine and property
- Services all 50 states
Pros
- Personal agent to handle your policy
- Offices throughout the United States
- Representative available via phone 24 hours a day, 7 days a week
- Online services including ability to file a claim
Cons
- No mobile app available
Special Programs
How do make a choice?
Drivers may find it to be a little overwhelming to have so many choices, but therein lies the beauty of a competitive market. This way, there’s a little something for everyone. Whether you’re focused on a low monthly payment, or complete coverage, you want to make sure you’re getting what suits you from the vast expanse of insurance policies that are out there.
You have quite a few options, which means you don’t have to go with a national car insurance company if you don’t want to. You can stop into a local one if you like their ratings better. Another thing to keep an eye peeled for is whether or not a company has any additional coverage options. If you’re looking for homeowners insurance on top of comprehensive coverage for your car, sometimes that range of coverage falls under what is called an umbrella policy. Having multiple pieces of your personal life covered means you’ll be less likely to fall into a downward financial spiral.
As one of the many drivers out there in Kentucky, or somewhere else entirely, it is important for you to analyze the options and services available in addition to researching the car insurance rates and premiums. Read more car reviews and get all the information on car insurance ratings to find the best insurance for your needs today!
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