Auto Insurance

auto insurance

Good auto insurance is no accident. If you're looking for service by people living right here in Kentucky, you've come to the right place. Our agents are hometown people delivering honest answers, good advice, and quality customer service from within your community. We also have adjusters throughout Kentucky... so when you call for help, you can expect your claim to be handled quickly and efficiently.

We offer the best of both worlds, with home-grown service and cross-country coverage. We want you to relax and enjoy your trip wherever the road leads you — Kentucky Farm Bureau Insurance auto coverage is in effect no matter where you drive within the borders of the United States and Canada, or Puerto Rico.

Contact your local Kentucky Farm Bureau Insurance agent for more details about policy coverages and availability. No matter where you live in Kentucky, there's a local agent near you.

Coverage options

We understand that different drivers have different coverage needs. Whether you drive long or short distances, for business or personal transportation, your local Kentucky Farm Bureau Insurance agent can develop an automobile policy tailored to your specific needs.

Kentucky Farm Bureau Insurance offers the following auto insurance coverage:

Auto liability coverage

  • Bodily injury liability
  • Property damage liability

Auto physical damage coverage

  • Collision
  • Other than collision

Coverage for added protection

  • Uninsured motorists
  • Underinsured motorists
  • Personal injury protection

Other coverage options

  • Medical payments
  • Towing and labor costs
  • Rental reimbursement/transportation expenses

Ways to save

Interested in saving money on your auto insurance premium? We don't blame you. Luckily, we offer discounts that reward good students, safe drivers, and more.

Check out a brief description of some of our discounts below. If you're interested in learning more, chat with your local agent for specific rules and eligibilities.

Good Student Discount
Are you a full-time student with a B average or higher? Congratulations! Bring in a transcript or one of our Good Student Discount forms signed by a school official, and you may be eligible for a discounted premium. Good Student Discount forms are available at your local agency.

Driver's Training Discount
If you've successfuly completed a certified safe driver's course, bring in a signed certificate of completion to your agent and snag a discount. The driver's training discount applies to single drivers under the age of 25 or married male drivers under 21.

Note: Good Student and Driver’s Training discounts are not allowed simultaneously for drivers 21 through 24 years of age. In other words, if you qualify for both the Good Student Discount and the Driver's Training Discount, only one discount may be applied to your premium.

Safe Driver Discount / DriveRight® Discount
We reward drivers that have gone 3, 5, or 8 years without an accident or claim. The longer you've been at-fault accident-free, the higher your discount climbs (up to 25%)!

Defensive Driving Course Discounts

  • Senior Operater Accident Prevention
    We honor drivers aged 55 and older who successfully complete an approved safety course. Provide us with a certificate of completion, and we'll save you some green.
  • Military Defensive Driving Course
    We salute members of the United States Armed Forces who have taken a defensive driving course provided by the U.S. Armed Forces. Drivers must submit a certificate showing completion of an approved defensive driving course. Thank you for your service!

*Note: Defensive Driving Course Discounts do not apply if the course was completed under a court order as a result of a motor vehicle conviction.

Auto Safety Devices Discount
Is your vehicle equipped with anti-lock brakes, anti-theft devices, or passive restraints? You may be eligible for a discount.

Multi-Vehicle Discounts
If you insure more than one vehicle with us, you're eligible for a discount! 

Active Property Discount
Do you carry multiple lines of insurance through us? You can save on your premiums when you carry both an automobile policy and a homeowner, mobile homeowner, or farmowner policy with Kentucky Farm Bureau Insurance.

School Bus Driver Discount
Certified school bus drivers who can furnish a yearly proof of recertification may qualify.

Umbrella Discount
If you are insured by Kentucky Farm Bureau Insurance, and you carry both an automobile policy and an umbrella policy, you might be eligible for a discount.

Coverage availability is subject to eligibility and other qualifications. Please consult your policy for actual contract coverage and exclusions. 

About Kentucky Farm Bureau Insurance

Kentucky Farm Bureau Insurance has been serving families of the Bluegrass since 1943. We are the largest property and casualty insurance company in Kentucky. We're located where our customers are — in each and every one of the 120 counties in the Commonwealth. Tired of dealing with a computer or answering service? We're hometown people ready to serve you on a personal basis.

Kentucky Farm Bureau Insurance is rated A (excellent), one of the highest ratings awarded by the A.M. Best Company, the most respected name in insurance rating services. In addition, we are currently rated an A+ with the Better Business Bureau (BBB). BBB ratings are based on 13 trust-related factors, including fair and appropriate handling of any customer complaints filed with BBB, business stability as represented by numerous years of business, and compliance with BBB’s Standards of Trust.
 

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What to do if you're involved in an accident

The car may be wrecked, but your nerves don't have to be. If you have been involved in an accident, click here for instructions on what to do next.

For answers to frequently asked questions regarding auto claims, click here.

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