Top 10 Kentucky Car Insurance Companies

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!

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

Read More: Grange Property & Casualty Insurance Company Car Insurance Review

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

Read more: Kentucky National Insurance Company Car Insurance Review

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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