The Wise Insurance Shopper

The best information about US auto & home insurance companies on the Web!



  Kentucky Auto & Home Insurance Shopping Guide 2023    

Updated: January 2023


Here are three reasons why most people pay too much for their auto or home insurance and fail to find the company that can save them a lot of money:

1. Many people never shop their auto or home insurance, sticking with the same company and paying their renewal year after year.

2. If people do shop their insurance coverage, they do not check with enough companies, failing to find the company or companies with the best combination of coverage, service, and rates for them.

3. People only get quotes online, instead of speaking with an insurance professional trained to quote them the coverage they need at the best price, with all the discounts they deserve. It is always best to buy insurance from an agent. A good agent can make the difference between loving or hating your insurance company.

How this guide can help you find the best company for you:

Many auto or home insurance customers do not know all the companies available in their state or their recent complaint records, making it unlikely they will find the company with the best rates, coverage & service for them. Some of the best companies are not very well known because they do little advertising. The objective of this guide is to show you all the major companies offering auto and/or home insurance coverage in Kentucky and the three-year auto & home insurance complaint record for each company. Links are provided to the website for each company so you can contact an agent near you or get a price quote online if available. None of the hyperlinks on my website are affiliate links and I receive no financial compensation from any insurance company.

Will you be eligible for all these auto and home insurance companies?

Insurance companies have different eligibility criteria, so not everyone may qualify for all the companies shown in this guide. However, everyone can benefit by shopping, even if they have recent claims or other factors making them ineligible for some companies. If you do not qualify for many of the companies in this guide due to recent claims, property condition/location, driving record, or other factors, there should still be agents representing companies listed in this guide who can help you. Please email me at help@smartshopyourcarinsurance.com to let me know if none of the agents or companies listed in this guide can help you or if there is any incorrect information in this guide.

The Major Auto and Home Insurance Companies in Kentucky

If you are looking for a company available in Kentucky with a much better than average auto and home insurance complaint record, scroll down to check out these companies:

Auto-Owners Insurance

Central Insurance

Cincinnati Insurance

Kentucky Farm Bureau

Shelter Insurance

Here are the biggest & best auto and home insurance brands in Kentucky you may or may not know, listed in alphabetical order:

1. Allstate Insurance

Allstate is a well-known, heavily advertised insurance company and is one of the largest auto & home insurance companies in almost all US states. Founded in 1931, Its corporate office is in Northfield Township, IL. Allstate offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

Allstate owns these additional brands, also selling auto and/or home insurance: Encompass, Esurance, and National General. Esurance is no longer selling new policies in Kentucky,

2021 market share for Allstate Insurance:

Allstate is the fifth largest auto insurer and the fourth largest home insurer in Kentucky.

Complaint record for Allstate Insurance:

The 2019-2021 auto and home insurance complaint record for Allstate Insurance is not consistently better than the industry average. If Allstate has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.

How to buy a policy from Allstate Insurance:

Allstate sells its insurance through its own network of Allstate agents with offices located in communities throughout Kentucky. Allstate insurance may also be available from select independent insurance agencies appointed to represent the company. There may be a discount for buying online from Allstate, but it may be worth it to pay a little more to have a personal agent to help if you have a claims or service problem. Get a price quote from an agent first, then check to see if you can get a lower rate for the same coverage online.

Check out the Allstate Insurance website to learn more about the company and find an agent near you:

https://www.allstate.com/


2. Auto-Owners Insurance

Auto-Owners Insurance is a group of insurance companies offering insurance products in 26 US states. Established in 1916, Auto-Owners is headquartered in Lansing, MI. Auto-Owners offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

2021 market share for Auto-Owners Insurance:

Auto-Owners Insurance is the ninth largest auto insurer and the eighth largest home insurer in Kentucky.

Complaint record for Auto-Owners Insurance:

The 2019-2021 auto and home insurance complaint record for Auto-Owners Insurance is consistently much better than the industry average. If you choose a good agent, you are likely to be happy with its customer and claims service.

How to buy a policy from Auto-Owners Insurance:

Auto-Owners sells its insurance exclusively through a network of select independent insurance agencies with offices located in communities throughout Kentucky. You cannot get a price quote online from the Auto-Owners website and there is no discount or lower rate for buying online from any other website.

Check out the Auto-Owners Insurance website to learn more about the company and find an agent near you:

https://www.auto-owners.com/


3. Central Insurance

Central Insurance Companies is a group of insurance companies offering personal insurance products in 24 US states, but is not known to many people, as it does little advertising. Established in 1876, Central Insurance is headquartered in Van Wert, OH. Central Insurance offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

2021 market share for Central Insurance:

Central Insurance is not among the ten largest auto insurers or ten largest home insurers in Kentucky.

Complaint record for Central Insurance:

The 2019-2021 auto and home insurance complaint record for Central Insurance is consistently much better than the industry average. If you choose a good agent, you are likely to be happy with its customer and claims service.

How to buy a policy from Central Insurance:

Central Insurance sells its insurance exclusively through a network of select independent insurance agencies with offices located in communities throughout Kentucky. You cannot get a price quote online from the Central Insurance website and there is no discount or lower rate for buying online from any other website.

Check out the Central Insurance website to learn more about the company and find an agent near you:

https://www.central-insurance.com/


4. Cincinnati Insurance

Cincinnati Insurance Companies is another group of insurance companies offering personal insurance products in many US states, but is not known to many people, as it does little advertising. Established in 1950, Cincinnati Insurance is headquartered in Fairfield, OH. Cincinnati Insurance offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

2021 market share for Cincinnati Insurance:

Cincinnati Insurance is not among the ten largest auto insurers or ten largest home insurers in Kentucky.

Complaint record for Cincinnati Insurance:

The 2019-2021 auto and home insurance complaint record for Cincinnati Insurance is consistently much better than the industry average. If you choose a good agent, you are likely to be happy with its customer and claims service.

How to buy a policy from Cincinnati Insurance:

Cincinnati Insurance sells its insurance exclusively through a small group of select independent insurance agencies with offices located in communities across Kentucky. You cannot get a price quote online from the Cincinnati Insurance website and there is no discount or lower rate for buying online from any other website.

Check out the Cincinnati Insurance website to learn more about the company and find an agent near you:

https://www.cinfin.com/


5. Erie Insurance

Founded in 1925 and headquartered in Erie, Pennsylvania, Erie Insurance is a regional company offering auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market. Erie may not be as well-known to the public, as it does not advertise as much as other major competitors selling auto and home insurance. Erie Insurance is available in the District of Columbia, Illinois, Indiana, Kentucky, Maryland, New York, North Carolina, Ohio, Pennsylvania, Tennessee, Virginia, West Virginia, and Wisconsin.

2021 market share for Erie Insurance:

Erie is the eighth largest auto insurer and the seventh largest home insurer in Kentucky.

Complaint record for Erie Insurance:

Although it often performs well in annual JD Power insurance studies, the 2019-2021 auto and home insurance complaint record for Erie is not consistently better than the industry average. If Erie has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.

How to buy a policy from Erie insurance:

Erie sells its insurance through a network of select independent insurance agencies located throughout Kentucky. There is no discount or lower rate for buying direct or online from the Erie website or any other website.

Check out the Erie Insurance website to learn more about the company and find an agent near you:

https://www.erieinsurance.com/


6. Farmers Insurance

Farmers Insurance Group is a heavily advertised group of insurance companies, fairly well-known for auto and homeowners insurance, available in many US states. Founded in 1928, Farmers home office is in Los Angeles, CA. Farmers offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

In recent years, Farmers Insurance Group has acquired additional insurance companies, still operating as separate brands, such as Foremost, 21st Century, and Bristol West. Farmers Insurance Group itself is a wholly owned subsidiary of Zurich Insurance Group.

In 2020, Farmers purchased Metlife Auto & Home and renamed these former Metropolitan companies as Farmers companies, some now available direct from the company under the brand name of Farmers GroupSelect, marketed as a group benefit through employers. Former Metlife Auto & Home agents may now be Farmers agents and independent agents formerly representing Metlife Auto & Home may now represent Farmers. Metlife Auto & Home insurance policyholders by now should be aware of the rebranding and how Farmers new ownership impacts them.

2021 market share for Farmers Insurance:

Farmers is not among the ten largest auto insurers in Kentucky, but it is the ninth largest home insurer in the state.

Complaint record for Farmers Insurance:

The 2019-2021 auto and home insurance complaint record for Farmers Insurance is not consistently better than the industry average. If Farmers has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.

How to buy a policy from Farmers Insurance:

Farmers sells its insurance through its own network of Farmers agents with offices located in communities throughout Kentucky. There is no discount or lower rate for buying direct or online from the Farmers website or any other website.

Check out the Farmers Insurance website to learn more about the company and find an agent near you:

https://www.farmers.com/


7. GEICO Insurance

GEICO, a very heavily advertised group of insurance companies, best known for selling insurance direct to the public, operates in almost all US states, and is a wholly owned subsidiary of Berkshire Hathaway. Established in 1936, GEICO is headquartered in Chevy Chase, MD. GEICO underwrites auto insurance only, but sells other types of personal insurance, such as homeowners insurance, acting as an agent for other companies. So, for example, if you buy homeowners insurance from GEICO, your home is not insured by GEICO, but by another company GEICO represents as an agent.

Since April 2022, GEICO ceased doing walk-in and phone sales in these states: AK, AR, CA, CT, DC, DE, GA, HI, KS, LA, MA, NJ, NM, NY, WI, WV. Residents of these states can still get a price quote and buy a policy online from GEICO.

2021 market share for GEICO Insurance:

GEICO is the sixth largest auto insurer in Kentucky.

Complaint record for GEICO Insurance:

The 2019-2021 auto insurance complaint record for GEICO is not consistently better than the industry average. Since most GEICO customers do not have an agent to help them if they have a service problem, you should consider other companies instead of GEICO (if you do not have a good GEICO agent available to you), unless the price savings with GEICO is so much, it is worth it to you to chance service or claims problems you will need to handle on your own.

How to buy a policy from GEICO Insurance:

GEICO is best known for selling direct to the public through its website or by phone. However, in some states, including Kentucky, GEICO also sells through agents with several offices located in the state. It is always best to have a personal agent to help you make sure you are getting the lowest rate for which you qualify. You do not get a lower rate for buying direct from GEICO instead of a GEICO agent, as it should be the same rate if you are quoted accurately with all the discounts for which you are eligible.

Check out the GEICO website to learn more about the company and see if there is a GEICO insurance agent near you:

https://www.geico.com/


8. Hartford Insurance

Hartford Insurance is a group of insurance companies available in most US states, but may not be as well-known, as it does not advertise as much as other major competitors selling auto and home insurance. Founded in 1810, Hartford Insurance is headquartered in Hartford, CT. Hartford offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

Hartford has a popular insurance program for drivers 55 years old or older, in partnership with AARP. Membership in AARP is required to be eligible for the Hartford/ AARP auto and home insurance program.

2021 market share for Hartford Insurance:

Hartford is not among the ten largest auto insurers or ten largest home insurers in Kentucky.

Complaint record for Hartford Insurance:

The 2019-2021 auto and home insurance complaint record for Hartford is not consistently better than the industry average. If Hartford has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.

How to buy a policy from Hartford Insurance:

Hartford sells its insurance through a network of select independent insurance agencies with offices throughout Kentucky. There may be a discount for buying online from Hartford, but it may be worth it to pay a little more to have a personal agent to help if you have a claims or service problem. Get a price quote from an agent first, then check to see if you can get a lower rate for the same coverage online.

Check out the Hartford Insurance website to learn more about the company and find an agent near you:

https://www.thehartford.com/


9. Homesite Insurance

Founded in 1997 and headquartered in Boston, Massachusetts, Homesite Insurance sells homeowners, condominium, and renters insurance direct to the public through its website and by phone. Homesite partners with GEICO & Progressive to allow these companies to offer Homesite insurance to their auto insurance customers. Liberty Mutual, through its Comparion Insurance Agency, also may offer Homesite insurance. Homesite is available in most US states.

In 2013, American Family Insurance purchased Homesite Insurance. Homesite continues to operate as a separate brand, but the Homesite website links to another American Family subsidiary website and separate brand, called CONNECT, for auto insurance quotes. Homesite does not offer its own vehicle insurance.

2021 market share for Homesite Insurance:

Homesite is the tenth largest home insurer in Kentucky.

Complaint record for Homesite Insurance:

The 2019-2021 home insurance complaint record for Homesite is not consistently better than the industry average. It is recommended to check recent customer reviews online before choosing Homesite Insurance to insure your home. You can click this link to see Homesite Insurance customer reviews at the Yelp website. Since you will not likely have an agent to help you if you have a problem, you may not want to choose Homesite unless there is a significant price savings or much better coverage. There is no discount or lower rate for buying direct or getting a quote online from the Homesite website.

How to buy a policy from Homesite Insurance:

Homesite Insurance can be purchased direct from the company through its website or by phone and from its partner companies. Most Homesite partner companies (GEICO and Progressive are the largest) do not have personal agents to service your policy. If you are going to buy Homesite Insurance, buy it from a personal agent if possible. There is no discount or lower rate for buying direct or online from Homesite.

You can find an agent in Kentucky representing Homesite at the Comparion Insurance website listed under Liberty Mutual Insurance below.


10. Kentucky Farm Bureau Insurance

Kentucky Farm Bureau Mutual Insurance Company (KFBMIC) was established by the Kentucky Farm Bureau in 1943 to offer more insurance options to farmers and rural communities. KFBMIC now offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market, to qualifying Kentucky residents. Buying membership in the Kentucky Farm Bureau may be required for eligibility, with membership offering additional benefits besides insurance.

2021 market share for Kentucky Farm Bureau Insurance:

Kentucky Farm Bureau Insurance is the second largest auto insurer and the second largest home insurer in Kentucky.

Complaint record for Kentucky Farm Bureau Insurance:

The 2019-2021 auto and home insurance complaint record for Kentucky Farm Bureau Mutual Insurance Company is consistently much better than the industry average. If you choose a good agent, you are likely to be happy with its customer and claims service.

How to buy a policy from Kentucky Farm Bureau Insurance:

Kentucky Farm Bureau sells its insurance through its own network of insurance agents with offices located throughout Kentucky. There is no discount or lower rate for getting a quote online from the Kentucky Farm Bureau Insurance website.

Check out the Kentucky Farm Bureau Insurance website to learn more about the company and find an agent near you:

https://www.kyfb.com/


11. Liberty Mutual Insurance

Liberty Mutual Insurance Group is a heavily advertised group of insurance companies, best known for auto and home insurance, available in most US states. Founded in 1912, the Liberty Mutual home office is in Boston, MA. Liberty Mutual offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

Liberty Mutual also owns Safeco Insurance, which operates as a separate brand, and is sold through independent insurance agencies. In 2022, Liberty Mutual acquired State Auto Insurance, which is also available through independent agents.

2021 market share for Liberty Mutual Insurance (including Safeco policyholders):

Liberty Mutual Group is the fourth largest auto insurer and the third largest home insurer in Kentucky.

Complaint record for Liberty Mutual Insurance:

The 2019-2021 auto and home insurance complaint record for Liberty Mutual is not consistently better than the industry average. If Liberty Mutual has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.

How to buy a policy from Liberty Mutual Insurance:

Liberty Mutual sells its insurance direct from the company and through its own group of Liberty Mutual agents operating from sales offices in one or more Kentucky communities. Liberty Mutual agents also represent other auto & home insurance companies through Comparion Insurance Agency, a national agency owned by Liberty Mutual. There may be a discount for buying online from Liberty Mutual, but it may be worth it to pay a little more to have a personal agent to help if you have a claims or service problem. Get a price quote from an agent first, then check to see if you can get a lower rate for the same coverage online.

Check out the Liberty Mutual website to learn more about the company and get a price quote online:

https://www.libertymutual.com/

But a Liberty Mutual agent may be able to get you the lowest rate!

Find a Liberty Mutual agent in Kentucky at the Comparion Insurance website:

https://www.comparioninsurance.com/


12. Nationwide Insurance

Nationwide Insurance is a group of insurance companies, not as well-known as some of the largest US auto & home insurers, available in almost all US states. Founded in 1926, Nationwide Insurance is headquartered in Columbus, OH. Nationwide offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

In 1998, Nationwide acquired the companies of Allied Insurance to increase its customer base in the Midwest. Nationwide is still using the network of independent insurance agents appointed to represent Allied to sell its insurance. In some US states, the Allied companies, now co-branded as Nationwide, are the largest Nationwide subsidiaries insuring auto & homes.

In 2012, Nationwide completed its acquisition of Harleysville Mutual Insurance Company, expanding its brand through additional independent insurance agents across 32 US states.

In 2020, Nationwide completed its transition from using its own network of agents to selling & servicing its insurance through independent insurance agencies, with many of its formerly exclusive agents becoming independent agents, able to represent multiple insurance companies.

2021 market share for Nationwide Insurance:

Nationwide is not among the ten largest auto insurers or ten largest home insurers in Kentucky.

Complaint record for Nationwide Insurance:

The 2019-2021 auto and home insurance complaint record for Nationwide Insurance is not consistently better than the industry average. If Nationwide has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.

How to buy a policy from Nationwide Insurance:

Nationwide sells its insurance through a network of select independent insurance agencies located in communities throughout Kentucky. There may be a discount for buying online from Nationwide, but it may be worth it to pay a little more to have a personal agent to help if you have a claims or service problem. Get a price quote from an agent first, then check to see if you can get a lower rate for the same coverage online.

Check out the Nationwide Insurance website to learn more about the company and find an agent near you:

https://www.nationwide.com/


13. Progressive Insurance

Progressive, a very heavily advertised group of insurance companies, best known for selling insurance direct to the public, but is also available from most independent insurance agencies, operates in almost all US states. Established in 1937, Progressive is headquartered in Mayfield, OH.

Like GEICO, Progressive underwrites auto insurance only, but sells other types of personal insurance, acting as an agent for other companies. However, in 2015, Progressive bought controlling interest in American Strategic Insurance (ASI), which it now uses as its primary home insurer. If Progressive sells you a policy not underwritten by Progressive or ASI, they are acting as an agent and not as your insurance company. For example, Progressive represents Homesite Insurance and sells its homeowners insurance. If Progressive sells you a Homesite homeowners insurance policy, Progressive is your agent and Homesite is the insurance company insuring your home.

2021 market share for Progressive Insurance:

Progressive is the third largest auto insurer in Kentucky.

Complaint record for ASI & Progressive Insurance:

The 2019-2021 auto and home insurance complaint record for ASI & Progressive is not consistently better than the industry average. If Progressive has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue. If you choose to buy direct from Progressive, your price savings needs to be significant, for it to be worth you having to fix claims or service problems on your own. Check out recent Progressive customers reviews online to see what problems may come up when you buy direct. Click this link to see Progressive Insurance customer reviews at the Yelp website.

How to buy a policy from Progressive Insurance:

If you want to find the best price with Progressive, you want to get a price quote direct from the company and from a local independent insurance agent representing Progressive. It may be counter-intuitive, but an agent may have the best rates for you. Also, the agent represents other companies that may have better rates for you than Progressive. Always check with an agent first, then check to see if there is a lower rate for buying direct saving you enough money to be worth not having an agent.

Check out the Progressive Insurance website to learn more about the company and find an agent near you:

https://www.progressive.com/


14. Safeco Insurance

Safeco Insurance is a group of insurance companies available across the USA, but it is best known in western states. Safeco is not available in Hawaii, Delaware, New Jersey, Rhode Island, and D.C. Safeco has been owned by Liberty Mutual since 2008 yet continues to operate as a separate entity and brand. Founded in 1923, Safeco Insurance is headquartered in Seattle, WA. Safeco offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

2021 market share for Safeco Insurance:

Safeco contributes to Liberty Mutual Group being the fourth largest auto insurer and the third largest home insurer in Kentucky.

Complaint record for Safeco Insurance:

The 2019-2021 auto and home insurance complaint record for Safeco is not consistently better than the industry average. If Safeco has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.

How to buy a policy from Safeco Insurance:

Safeco sells its insurance through a network of select independent insurance agencies located in communities throughout Kentucky. There is no discount or lower rate for buying direct or online from the Safeco website or any other website.

Check out the Safeco Insurance website to learn more about the company and find an agent near you:

https://www.safeco.com/


15. Shelter Insurance

Shelter Insurance is a group of insurance companies offering insurance products in these 15 US states: Arkansas, Colorado, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Mississippi, Missouri, Nebraska, Nevada, Ohio, Oklahoma and Tennessee. Established in 1946, Shelter is headquartered in Columbia, MO. Shelter offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

Shelter created a subsidiary in 2014 called AmShield Insurance Company, to sell auto and home insurance through independent insurance agencies in the states of Arizona and Oregon. Shelter had a separate subsidiary selling auto insurance online in the states of Illinois, Colorado, Missouri, Tennessee, Indiana, and Kansas, from a website called Say Insurance, but it is no longer selling new policies.

2021 market share for Shelter Insurance:

Shelter is not among the ten largest auto insurers or the ten largest home insurers in Kentucky.

Complaint record for Shelter Insurance:

The 2019-2021 auto and home insurance complaint record for Shelter Insurance is consistently much better than the industry average. If you choose a good agent, you are likely to be happy with its customer and claims service.

How to buy a policy from Shelter Insurance:

Shelter sells its insurance through its own group of Shelter agents with offices located across Kentucky. There is no discount or lower rate for getting a quote from the Shelter website or buying online from any other website.

Check out the Shelter Insurance website to learn more about the company and find an agent near you:

https://www.shelterinsurance.com/


16. State Farm Insurance

State Farm is a well-known, heavily advertised insurance company and is the largest auto & home insurer in many US states. Founded in 1922, the headquarters for State Farm is in Bloomington, IL. State Farm offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

In 2021, State Farm purchased GAINSCO, a nonstandard auto insurance company operating in Alabama, Arizona, Florida, Georgia, New Mexico, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, and Virginia. GAINSCO continues to operate as a separate brand and is available through independent insurance agencies appointed to represent GAINSCO. State Farm agents may not yet offer GAINSCO nonstandard auto insurance. State Farm itself does not offer nonstandard auto insurance, which insures drivers with a poor driving record, too many claims, or other circumstances making them ineligible for standard auto insurance.

2021 market share for State Farm Insurance:

State Farm is the largest auto insurer and the largest home insurer in Kentucky.

Complaint record for State Farm Insurance:

The 2019-2021 auto and home insurance complaint record for State Farm is not consistently better than the industry average. If State Farm has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.

How to buy a policy from State Farm Insurance:

State Farm sells its insurance through its own network of State Farm agents with offices located throughout Kentucky. There is no discount or lower rate for buying direct or online from the State Farm website or any other website.

Check out the State Farm Insurance website to learn more about the company and find an agent near you:

https://www.statefarm.com/


17. Travelers Insurance

Travelers Insurance is a group of insurance companies available in most US states and is not as well-known as other brands, as it does not advertise as much as some other major auto and home insurance companies. Founded in 1853, Travelers Insurance is headquartered in New York City, NY. Travelers offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market.

2021 market share for Travelers Insurance:

Travelers is the tenth largest auto insurer and the sixth largest home insurer in Kentucky.

Complaint record for Travelers Insurance:

The 2019-2021 auto and home insurance complaint record for Travelers is not consistently better than the industry average. If Travelers has the coverage you need at a competitive price, be sure to choose a good agent willing & able to help if you have a problem with a claim or other service issue.

How to buy a policy from Travelers Insurance:

Travelers sells its insurance through a network of select independent insurance agencies with offices throughout Kentucky. There is no discount or lower rate for buying direct or online from the Travelers website or any other website.

Check out the Travelers Insurance website to learn more about the company and find an agent near you:

https://www.travelers.com/


18. USAA Insurance

USAA is a group of insurance companies providing financial services to active US military & veterans. Established in 1922, USAA is headquartered in San Antonio, TX. USAA insurance and banking products are not available if you do not meet its membership requirements.

To be considered for USAA insurance, you must be eligible for membership in USAA, most commonly by being a current military member or honorably discharged veteran, immediate family member of someone in the military, or a former policyholder. .

USAA offers auto insurance, residential property (homeowners, condominium, renters) insurance, and other types of policies usually available from companies in the personal insurance market. For some common types of personal insurance, USAA partners with other companies. For example, USAA partners with Progressive for motorcycle insurance. Be sure to know which company is actually insuring you before buying insurance from USAA.

2021 market share for USAA Insurance:

Despite its restricted membership, USAA is the seventh largest auto insurer and the fifth largest home insurer in Kentucky.

Complaint record for USAA Insurance:

Contrary to its long reputation for superior service, the 2019-2021 auto and home insurance complaint record for USAA is not consistently better than the industry average. Since you will not have an agent to help you if you have a problem, be sure to see what USAA customers are saying about the company online before choosing USAA. You can click this link to see USAA Insurance customer reviews at the Yelp website.

How to buy a policy from USAA Insurance:

The only way to buy a policy or get a price quote is from the USAA website or calling the company. USAA sells direct and does not use agents. Learn more about USAA and its eligibility requirements at their website linked here:

https://www.usaa.com/?wa_ref=pub_global_home


Do not make this mistake when shopping for auto or home insurance:

Most insurance shoppers do not check with enough companies and do not contact any independent agents. There are more auto and home insurance companies available in Kentucky. Some companies, not among the companies with the largest auto or home insurance market share in the state, were not included in this shopping guide. Some of these companies are brands you may or may not know, like AAA, Encompass, Grange Insurance, or State Auto Insurance. Many of these companies, including AAA, Encompass, Grange, & State Auto, are available through independent agents across Kentucky. The agents you find through the Auto-Owners, Central, Cincinnati, Comparion, Erie, Hartford, Nationwide, Progressive, Safeco, & Travelers websites are independent agents representing other companies. Make sure you check with agents representing each of the companies listed in this shopping guide to help you find the insurance agent with the best combination of coverage, service, and price for you.

There are a few more important auto and home insurance companies, not available through most independent agents, you can find out about here in my supplemental auto & home insurance guide.

Why can you rely on my guides to help you find the best insurance companies for you? Check out my webpage explaining the sources of the information I use in my auto & home insurance guides, how I use the information, and what it should mean to you, to help you best use this guide.