Loading
Preparing your coverage insights...
Loading
Preparing your coverage insights...
Kentucky
Dragon Insurance Services is licensed in Kentucky. We provide independent guidance for auto, home, business, and specialty coverage. Our advisors focus on families and small businesses in Louisville, Lexington, Bowling Green, and across the Commonwealth and can help you compare rates, coverage, and carrier options across 30+ carriers.
Minimum Requirements
Kentucky requires minimum auto liability of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Kentucky is a choice no-fault state, so drivers can keep no-fault (PIP) coverage or reject it in writing to retain full tort rights. Kentucky also requires $10,000 in basic Personal Injury Protection unless you formally reject it.
Regional Risk Factors
Carrier Availability
Kentucky carrier appetite varies by flood-zone proximity along the Ohio River and its tributaries, roof age, and claims history. Western Kentucky's higher tornado and wind exposure can affect home insurance pricing and availability. We compare 30+ carriers to find competitive options for your specific Kentucky ZIP code.
Coverage Available in Kentucky
Compare carriers and find your best rate.
Dragon Insurance is an independent agency in Camp Hill, PA we shop 30+ carriers to find the right coverage at the right price.
Common Questions About Insurance in Kentucky
Kentucky requires minimum liability of 25/50/25: $25,000 bodily injury per person, $50,000 per accident, and $25,000 property damage. Kentucky is a choice no-fault state, giving drivers the option to keep no-fault (PIP) coverage or reject it in writing to retain full tort rights. Kentucky also requires $10,000 in basic Personal Injury Protection unless you formally reject it. We walk you through the no-fault choice during your quote and recommend limits above the minimum to protect your assets.
Yes. We are licensed in Kentucky and work with clients in Louisville, Lexington, Bowling Green, Owensboro, and communities across the Commonwealth. We compare 30+ carriers for auto, home, renters, and business insurance entirely by phone and online. See our Louisville, KY location page for local details.
Kentucky homeowners face flooding along the Ohio River and its tributary valleys, tornado and severe storm risk (particularly in western Kentucky), hail, and winter ice storm damage. Standard homeowners policies exclude flood damage, which requires a separate NFIP or private flood policy. Roof age is a significant pricing factor. We compare carriers with strong claims performance in Kentucky to help you find reliable coverage at a competitive rate.
No. Standard homeowners policies exclude flood damage. Kentucky experiences significant flooding along the Ohio River, the Kentucky River, and their tributaries, with eastern Kentucky seeing severe flash-flood events in recent years. Homeowners in low-lying or river-adjacent areas should consider a separate NFIP or private flood policy. We help you evaluate flood risk for your specific address and compare flood insurance options.
Yes. We quote general liability, Business Owner's Policy (BOP), workers compensation, commercial auto, and professional liability for Kentucky businesses. Kentucky requires workers compensation for most employers with one or more employees. We compare 30+ carriers to find the right fit for your industry and business size.