In Kentucky, the auto insurance industry plays a crucial role in providing essential coverage to vehicle owners and drivers. The sector consists of a blend of large regional insurance companies and smaller, family-owned agencies that cater to various consumer needs. Offerings go beyond basic liability coverage to include comprehensive, collision, and personal injury protection. With advancements in technology, insurers are leaning towards digital solutions and personalized policies, aiming to enhance customer experience. As consumer preferences shift, companies are also focusing on adapting to changing regulations and sustainable practices, making the industry’s future intriguing yet challenging.


The auto insurance companies in Kentucky vary significantly in size and specialization. With headquarters located in cities like Louisville, Danville, and Campbellsville, they were founded mostly between the 1920s and 2010s. These companies, spanning from small agencies with fewer than ten employees to larger providers with hundreds, primarily offer auto, home, and business insurance products. This mix enables them to cater to a broad market with specific coverage options.


Continue reading to discover the top auto insurance companies in Kentucky.


Top 23 Auto Insurance Companies in Kentucky


1. Kentucky Farm Bureau Insurance

  • Website: kyfb.com
  • Ownership type: Family Owned
  • Headquarters: Louisville, Kentucky, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1943
  • Headcount: 501-1000
  • LinkedIn: kentucky-farm-bureau

Kentucky Farm Bureau Insurance, based in Louisville, Kentucky, is a family-owned insurance provider that has been serving the state since 1943. The company offers a range of insurance products, including auto, homeowners, and farm insurance, catering to individuals, families, and businesses. With a workforce of approximately 1,162 employees, Kentucky Farm Bureau Insurance prides itself on its local presence, with agents available in every county of Kentucky. This accessibility allows them to provide personalized service and tailored insurance solutions. The company is also actively involved in community support, organizing charitable events and initiatives that address local needs, such as food and housing insecurity. Their commitment to community engagement is reflected in programs like 'Clays for a Cause,' which has raised significant funds for local charities. Kentucky Farm Bureau Insurance continues to focus on enhancing the quality of life for Kentuckians while providing essential insurance coverage.


2. Johnson Pohlmann Insurance


Johnson Pohlmann Insurance, based in Danville, Kentucky, has been a trusted name in the insurance industry since its founding in 1938. As a privately owned independent insurance agency, it specializes in a wide array of insurance products, including auto, home, life, health, and commercial insurance. The agency prides itself on its ability to provide customized insurance solutions tailored to the unique needs of its clients. With a team of experienced professionals, Johnson Pohlmann Insurance emphasizes customer service and community involvement, participating in local organizations such as the Boyle County Senior Center and the Heart of Kentucky United Way. Their affiliation with a network of independent agencies enhances their ability to serve clients effectively, ensuring access to a variety of insurance options. This local focus and commitment to quality service have helped them establish a solid reputation in Central Kentucky.


3. Jessie Insurance Agency

  • Website: jessieinsurance.com
  • Ownership type: Private
  • Headquarters: Campbellsville, Kentucky, United States (USA)
  • Employee distribution: United States (USA) 73%, Lebanon 27%
  • Founded year: 1972
  • Headcount: 11-50
  • LinkedIn: jessie-insurance

Jessie Insurance Agency, founded in 1972, is a privately owned insurance agency based in Campbellsville, Kentucky, with an additional office in Lebanon. The agency specializes in a range of insurance products, including auto, homeowners, health, life, and commercial insurance. With a dedicated team of approximately 15 employees, Jessie Insurance focuses on providing personalized service to both individual consumers and businesses in Central Kentucky. As an independent agency, it partners with over 25 insurance companies, allowing it to offer competitive rates and customized coverage options. The agency prides itself on its local roots and commitment to helping clients manage risks and protect their assets through tailored insurance solutions. Jessie Insurance Agency has built a reputation for reliability and expertise in the insurance field, making it a trusted choice for many in the region.


4. Commonwealth Insurance Services


Commonwealth Insurance Services, founded in 2010 and based in Louisville, Kentucky, is a private insurance agency that specializes in personal and business insurance solutions. With a team of 24 employees, the agency prides itself on its independent status, allowing it to represent multiple insurance companies and offer tailored coverage options. Their product offerings include home, auto, life, and commercial insurance, catering to both individual and business clients. The agency emphasizes a personal touch, ensuring that clients receive attentive service and support throughout their insurance journey. Commonwealth Insurance Services has been active in the industry for over a decade, leveraging over 40 years of combined experience among its team members to guide clients in navigating their insurance needs. They are licensed to operate in several states, including Kentucky, Arizona, and Virginia, which broadens their market presence and client base.


5. Priority Insurance Agency - KY


Priority Insurance Agency - KY, based in Somerset, Kentucky, is a private insurance agency that has been operational since 2015. The agency specializes in a variety of insurance products, including auto, home, life, and business insurance. With a small team of 1-10 employees, they prioritize customer service and education, aiming to help clients understand their insurance needs and make informed decisions. The agency is an independent agent, which allows them to offer policies from multiple reputable insurance carriers, ensuring competitive pricing and coverage options. Their focus on local service and community involvement has helped them build a loyal customer base in the Somerset area. They also provide 24/7 assistance and have received positive feedback from clients regarding their responsiveness and support.


6. Lincoln Insurance Agency


Lincoln Insurance Agency, based in Louisville, Kentucky, is a third-generation family-owned insurance agency that has been serving clients since 1958. The agency specializes in a range of insurance products, including auto, business, homeowners, event, motorcycle, and pet insurance. With a focus on both individual consumers and businesses, Lincoln Insurance Agency aims to help clients manage risks and protect their assets through tailored insurance solutions. Their commitment to customer service is reflected in the positive feedback from clients, who appreciate the agency's attentive and knowledgeable staff. The agency operates primarily in Kentucky, Indiana, and Tennessee, providing localized service and support to its clients. Lincoln Insurance Agency has not reported any funding, indicating that it operates independently without external financial backing.


7. Harris Insurance Agency, Inc.


Harris Insurance Agency, Inc. is an independent insurance agency based in Harlan, Kentucky, with additional operations in Johnson City, Tennessee. Founded in 1934, the agency has over 90 years of experience in the insurance industry, providing a wide array of personal and business insurance solutions. The agency serves clients in Southeast Kentucky and Northeast Tennessee, focusing on personalized service and community involvement. With a team that boasts over 100 years of combined experience, Harris Insurance Agency offers more than 50 coverage options and partners with over 25 top-rated insurance carriers. Their commitment to understanding client needs and providing tailored coverage options positions them as a trusted local resource for insurance solutions, including auto insurance, home insurance, and business insurance.


8. Cornerstone Insurance Agency


Cornerstone Insurance Agency, founded in 1970, is a private insurance agency based in Independence, Kentucky. With a workforce of 27 employees, the agency operates multiple offices in Florence, Independence, and Lexington. Cornerstone Insurance provides a comprehensive range of insurance products, including auto, home, health, life, recreational, and business insurance. The agency serves both individual clients and businesses, helping them manage risks and protect their assets through tailored insurance solutions. Their strategic partnerships with several established Kentucky agencies enhance their service offerings and coverage options. Cornerstone Insurance emphasizes customer service, aiming to meet the unique needs of their clients while maintaining a strong community presence.


9. Desmond Insurance

  • Website: desmondinsurance.com
  • Ownership type: Family Owned
  • Headquarters: Bellevue, Kentucky, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1929
  • Headcount: 11-50
  • LinkedIn: desmond-insurance

Desmond Insurance, established in 1929, is a family-owned independent insurance agency based in Bellevue, Kentucky. The agency specializes in a comprehensive array of insurance products, including auto, home, health, life, and business insurance. With a dedicated team of 26 employees, Desmond Insurance serves both individual consumers and businesses, focusing on delivering tailored coverage that meets specific client needs. Their commitment to customer service is evident in their approach to providing competitive rates and multi-policy discounts. As an independent agency, they represent over 20 insurance carriers, which allows them to adapt to the changing insurance marketplace and offer clients a variety of options. Desmond Insurance actively engages with the local community and emphasizes the importance of building long-term relationships with their clients, ensuring that they remain relevant in the insurance industry.


10. Houchens Insurance Group

  • Website: higusa.com
  • Ownership type: Private
  • Headquarters: Bowling Green, Kentucky, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1977
  • Headcount: 201-500
  • LinkedIn: houchens-insurance-group

Houchens Insurance Group, founded in 1977 and based in Bowling Green, Kentucky, is a private insurance agency that provides a wide array of insurance solutions. The company serves both businesses and individual consumers, helping them manage risks and protect their assets through customized insurance products. Their offerings include business insurance, employee benefits, and personal insurance, with a notable section dedicated to auto insurance. Houchens Insurance Group operates in multiple states, which allows them to cater to a broader client base. They have merged with several reputable local agencies over the years, enhancing their capabilities and market presence. The agency is recognized for maintaining high ethical standards and has received multiple awards for its practices in the insurance industry. Houchens Insurance Group is licensed in all 50 states, ensuring comprehensive coverage options for their clients.


11. Slade & Collins Insurance

  • Website: sladecollins.com
  • Ownership type: Family Owned
  • Headquarters: Lexington, Kentucky, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1935
  • Headcount: 1-10
  • LinkedIn: slade-%26-collins-insurance

Slade & Collins Insurance, based in Lexington, Kentucky, has been serving the insurance needs of individuals and businesses since 1935. Founded by VL Slade, the agency has evolved through generations, maintaining a strong focus on personalized service. The agency offers a wide array of insurance products, including auto, home, and business insurance, catering to both personal and commercial clients. Their approach emphasizes understanding client needs and providing tailored insurance solutions. Slade & Collins is an independent agency, representing multiple carriers to ensure clients receive the best coverage options available. Their commitment to community engagement and customer satisfaction is evident in the positive feedback from clients, showcasing their role as a trusted insurance provider in the region.


12. EM Ford

  • Website: emford.com
  • Ownership type: Family Owned
  • Headquarters: Owensboro, Kentucky, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1925
  • Headcount: 11-50
  • LinkedIn: em-ford-%26-company-llc

EM Ford is an independent insurance agency based in Owensboro, Kentucky, with additional locations in Henderson, Kentucky. Founded in 1925, this family-owned business has grown to become one of the prominent independent insurance agencies in the state. With a team of over 30 knowledgeable advisors, EM Ford offers a comprehensive suite of insurance and financial planning services. Their product offerings include personal insurance, business insurance, and employee benefits, with a significant emphasis on auto insurance as part of their personal insurance portfolio. The agency prides itself on providing tailored solutions to meet the unique needs of individuals and businesses alike. Their commitment to client satisfaction and risk management is evident in their approach to insurance, which includes strategic loss control and claims management tools. EM Ford has received recognition for its service, including the 2015 Chamber Business of the Year award in the 11-50 employees category. They are also members of the Beyond Insurance Global Network, which enhances their capabilities in delivering quality insurance solutions.


13. Van Meter Insurance / Houchens


Van Meter Insurance, part of Houchens Insurance Group, is an insurance agency based in Bowling Green, Kentucky, established in 1977. The agency provides a wide array of insurance solutions, including business, employee benefits, and personal insurance. They cater to both businesses and individual consumers, helping them manage risks and protect their assets through customized insurance products. Van Meter Insurance is particularly involved in the auto insurance sector, offering tailored coverage options to meet the needs of their clients. The agency operates across multiple states, ensuring that they can provide comprehensive coverage for their clients. Their independent status allows them to partner with various insurance carriers, which enhances their ability to offer competitive and personalized insurance solutions. The agency has received recognition for its ethical standards and commitment to client service, further solidifying its position in the insurance industry.


14. Bennett Insurance Agency

  • Website: insuringkentucky.com
  • Ownership type: Private
  • Headquarters: Owensboro, Kentucky, United States (USA)
  • Founded year: 2016
  • Headcount: 1-10
  • LinkedIn: biaky

Bennett Insurance Agency LLC, established in 2016, is an independent insurance agency based in Owensboro, Kentucky. The agency specializes in providing a comprehensive suite of insurance solutions, including personal insurance products like auto, home, and life insurance, as well as business insurance options. With a small team of dedicated professionals, Bennett Insurance Agency emphasizes personalized service and building long-term relationships with clients. They serve individuals and businesses across Kentucky and Indiana, tailoring coverage to meet unique needs. The agency's commitment to customer service is evident in their ongoing support, which includes policy updates and claims assistance. As an independent agency, they have the flexibility to work with multiple insurance providers, allowing them to offer a variety of options to their clients. This approach not only enhances their ability to find the best coverage at competitive rates but also reflects their dedication to client satisfaction.


15. Raymond Nelson Insurance

  • Website: rnelsoninsurance.com
  • Ownership type: Family Owned
  • Headquarters: Hopkinsville, Kentucky, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1981
  • Headcount: 1-10
  • LinkedIn: raymond-nelson-insurance

Raymond Nelson Insurance Agency, Inc. is a family-owned insurance agency based in Hopkinsville, Kentucky, founded in 1981. The agency specializes in providing a variety of insurance products, including auto, home, and commercial insurance. With a strong emphasis on personalized service, Raymond Nelson Insurance aims to help both individual consumers and businesses manage risks and protect their assets through tailored insurance solutions. The agency has built a reputation for going above and beyond for its clients, often stepping in during crises to provide timely support. Their team boasts over 100 years of combined experience in the insurance industry, and they are licensed to operate in 22 states, allowing them to serve a wide range of clients. The agency's commitment to integrity and customer care is reflected in the positive feedback from clients who appreciate the agency's responsiveness and dedication to their needs.


16. Cornerstone Insurance Agency, LLC


Cornerstone Insurance Agency, LLC is a private, independent insurance agency based in Louisville, Kentucky, founded in 2017 by David Phillips. The agency specializes in a range of insurance services, including auto, home, life, health, Medicare, and business insurance. With a small team of dedicated professionals, Cornerstone aims to assist individuals, families, and small to medium-sized businesses in navigating the complexities of insurance. They are affiliated with SIAA, a national network of independent insurance agencies, which allows them to offer competitive solutions to their clients. The agency operates primarily in Kentucky and has expanded its reach to surrounding states, providing tailored insurance solutions to meet the unique needs of their clients. Their commitment to customer service is reflected in positive client testimonials, highlighting their focus on building trust and long-lasting relationships.


17. Gross Insurance Agency

  • Website: gross-ins.com
  • Ownership type: Family Owned
  • Headquarters: Fort Thomas, Kentucky, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1965
  • Headcount: 11-50
  • LinkedIn: gross-insurance-agency-llc

Gross Insurance Agency, established in 1965, is a family-owned insurance agency based in Fort Thomas, Kentucky. With a team of 33 employees, the agency specializes in a variety of insurance products, including auto, homeowner's, and business insurance. Their approach emphasizes building strong relationships with clients to understand their unique needs and provide customized insurance solutions. The agency prides itself on competitive pricing and a commitment to customer service, ensuring clients have access to their insurance portfolios 24/7. As a third-generation agency, Gross Insurance Agency has deep roots in the community and a strong focus on client education and support. They represent multiple insurance providers, allowing them to offer a range of options to their clients. This adaptability and client-centric approach position them well within the auto insurance market.


18. Charles M. Moore Insurance Agency

  • Website: cmmoore.com
  • Ownership type: Private
  • Headquarters: Bowling Green, Kentucky, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1922
  • Headcount: 11-50
  • LinkedIn: charles-m.-moore-insurance

Charles M. Moore Insurance Agency, founded in 1922, is a private insurance agency based in Bowling Green, Kentucky. With a workforce of 11-50 employees, the agency has built a reputation for providing a wide array of insurance services, including personal, business, and life insurance. They cater to both individual consumers and businesses, helping clients manage risks and protect their assets through customized insurance solutions. The agency has grown to become one of the largest independent insurance agencies in Kentucky, representing over 150 insurance companies. This extensive network enables them to offer comprehensive insurance programs and competitive pricing tailored to the needs of their clients. Their commitment to client service and risk management has earned them respect in the industry, making them a notable player in the auto insurance sector.


19. Old Kentucky Insurance

  • Website: oldkyins.com
  • Ownership type: Private
  • Headquarters: Louisville, Kentucky, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1973
  • Headcount: 11-50
  • LinkedIn: old-kentucky-insurance

Old Kentucky Insurance is an independent insurance agency based in Louisville, Kentucky, with additional offices in Shelbyville and Erlanger. Founded in 1973, the agency has built a reputation for providing a range of insurance products, including auto, homeowner, trucking, business, and life insurance. They cater to both individual consumers and businesses, helping clients manage risks and protect their assets through customized insurance solutions. The agency prides itself on its commitment to quality service and maintaining long-term relationships with clients. Old Kentucky Insurance collaborates with reputable insurance companies to offer competitive coverage options, ensuring that clients receive reliable and comprehensive insurance solutions. Their focus on customer service is evident in their approach to handling claims and providing support, making them a notable player in the auto insurance market.


20. Hyland Insurance

  • Website: hylandins.net
  • Ownership type: Private
  • Headquarters: Lyndon, Kentucky, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1983
  • Headcount: 11-50
  • LinkedIn: hyland-insurance-services

Hyland Insurance, founded in 1983 and based in Lyndon, Kentucky, is a private insurance agency that offers a wide range of insurance solutions. The agency specializes in personal insurance, including auto insurance, home insurance, and life insurance, as well as business insurance and employee benefits. With a team of approximately 43 employees, Hyland Insurance prides itself on its client-centric approach, emphasizing tailored solutions to meet the unique needs of individuals and businesses. The agency has built a strong reputation in the local community, actively participating in philanthropic efforts and supporting various non-profits. Their partnerships with reputable industry organizations further enhance their service offerings, allowing them to stay informed about the latest trends and changes in the insurance market.


21. Cole Insurance Agency

  • Website: coleinsinc.com
  • Ownership type: Private
  • Headquarters: Richmond, Kentucky, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Founded year: 1996
  • Headcount: 1-10
  • LinkedIn: cole-insurance-agency

Cole Insurance Agency, Inc. is a privately owned insurance agency based in Richmond, Kentucky, established in 1996. The agency specializes in providing a variety of insurance products, including personal lines such as home and auto insurance, as well as business insurance solutions. With multiple locations across Kentucky, Cole Insurance Agency emphasizes personalized service, aiming to meet the unique needs of both individual consumers and businesses. As an independent agency, they work with several top-rated insurance carriers, allowing them to offer a range of coverage options and price points. Their affiliation with the SIAA network enhances their ability to serve clients by providing access to a broader array of insurance products. The agency is committed to being available for clients, whether in-person or online, and strives to simplify the insurance process for their customers.


22. Energy Insurance Agency

  • Website: energyinsuranceagency.com
  • Ownership type: Corporate
  • Headquarters: Lexington, Kentucky, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: September 2024
  • Founded year: 1982
  • Headcount: 51-200
  • LinkedIn: energyinsurance

Energy Insurance Agency, established in 1982, operates as an independent insurance agency based in Lexington, Kentucky. With a workforce of approximately 91 employees, the agency has expanded its footprint to multiple locations across Kentucky and Ohio. They provide a comprehensive suite of insurance solutions, including business, personal, and employee benefits insurance. Notably, their personal insurance offerings include auto insurance, which positions them within the auto insurance sector. The agency is licensed in 48 states, allowing them to serve a wide range of clients throughout the United States. Their commitment to building strong client relationships and their focus on tailored insurance solutions reflect their dedication to meeting the unique needs of their customers. Energy Insurance Agency has also been recognized as a top property/casualty agency, underscoring their credibility and standing in the insurance industry.


23. Cambridge Insurance

  • Website: cambridgeinsurance.net
  • Ownership type: Corporate
  • Headquarters: Lexington, Kentucky, United States (USA)
  • Employee distribution: United States (USA) 100%
  • Latest funding: December 2013
  • Founded year: 1989
  • Headcount: 11-50
  • LinkedIn: cambridge-insurance-agency

Cambridge Insurance, established in 1989, operates as an independent insurance agency based in Lexington, Kentucky. The company specializes in providing a wide array of personal and commercial insurance products, with a strong emphasis on auto insurance. Their offerings include coverage for vehicles, homes, and various business needs, catering to both individual consumers and businesses. Cambridge Insurance prides itself on delivering exceptional customer service, ensuring that clients receive prompt responses to their insurance inquiries. The agency collaborates with several reputable insurance companies, allowing them to offer tailored solutions that meet the specific needs of their clients. With a dedicated team of approximately 24 employees, Cambridge Insurance focuses on building relationships within the local community, aiming to provide reliable coverage and support for their clients' insurance needs.



Auto Insurance Insights: Key Companies in Kentucky


CompanyHeadquarterSizeFoundedOwnership
Kentucky Farm Bureau InsuranceLouisville, Kentucky, United States (USA)501-10001943Family Owned
Johnson Pohlmann InsuranceDanville, Kentucky, United States (USA)11-501938Private
Jessie Insurance AgencyCampbellsville, Kentucky, United States (USA)11-501972Private
Commonwealth Insurance ServicesLouisville, Kentucky, United States (USA)11-502010Private
Priority Insurance Agency - KYSomerset, Kentucky, United States (USA)1-102015Private
Lincoln Insurance AgencyLouisville, Kentucky, United States (USA)1-101958Family Owned
Harris Insurance Agency, Inc.Harlan, Kentucky, United States (USA)1-101934Private
Cornerstone Insurance AgencyIndependence, Kentucky, United States (USA)11-501970Private
Desmond InsuranceBellevue, Kentucky, United States (USA)11-501929Family Owned
Houchens Insurance GroupBowling Green, Kentucky, United States (USA)201-5001977Private
Slade & Collins InsuranceLexington, Kentucky, United States (USA)1-101935Family Owned
EM FordOwensboro, Kentucky, United States (USA)11-501925Family Owned
Van Meter Insurance / HouchensBowling Green, Kentucky, United States (USA)201-5001977Private
Bennett Insurance AgencyOwensboro, Kentucky, United States (USA)1-102016Private
Raymond Nelson InsuranceHopkinsville, Kentucky, United States (USA)1-101981Family Owned
Cornerstone Insurance Agency, LLCLouisville, Kentucky, United States (USA)1-102017Private
Gross Insurance AgencyFort Thomas, Kentucky, United States (USA)11-501965Family Owned
Charles M. Moore Insurance AgencyBowling Green, Kentucky, United States (USA)11-501922Private
Old Kentucky InsuranceLouisville, Kentucky, United States (USA)11-501973Private
Hyland InsuranceLyndon, Kentucky, United States (USA)11-501983Private
Cole Insurance AgencyRichmond, Kentucky, United States (USA)1-101996Private
Energy Insurance AgencyLexington, Kentucky, United States (USA)51-2001982Corporate
Cambridge InsuranceLexington, Kentucky, United States (USA)11-501989Corporate


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