Car insurance in Kentucky & Florida

Asshield™ is an independent agency, so we compare car insurance from several companies instead of selling one. In Kentucky we work from our Lexington office and help drivers across the Bluegrass, from Georgetown and Nicholasville to Winchester, Paris, Versailles, Richmond and Frankfort. In Florida we work from Fort Walton Beach for the Emerald Coast. We also help drivers in the other states where we're licensed, by phone, text and online.

Every carrier prices the same driver differently, so the practical way to see your options is to compare several at once. That's what we do, and we explain the coverage differences, not just the premium.

Online quote Call KY (859) 368-0162 Call FL (850) 684-0164

Car insurance in Kentucky

Kentucky is a choice no-fault state. Policies include personal injury protection (PIP), with $10,000 per person in basic reparation benefits, alongside liability coverage. The minimum liability is $25,000 per person and $50,000 per accident for bodily injury plus $25,000 for property damage (or a $60,000 single limit), and most drivers choose more. You can also add uninsured and underinsured motorist coverage, collision and comprehensive.

In Kentucky we compare Liberty Mutual and Grange first, then Progressive, GEICO and Travelers, plus other carriers when they fit your situation. Our office is at 2240 Executive Dr Ste 103, Lexington, KY 40505, (859) 368-0162, open Mon–Fri 9–7 and Sat 9–5.

Kentucky car insurance by town: Lexington · Georgetown · Nicholasville · Winchester · Paris · Versailles · Richmond & Berea · Frankfort · Louisville

Kentucky guides: Kentucky car insurance rules · High-risk drivers (tickets, DUI, claims) · Suspended license · International license (en español) · Already have GEICO? Compare it with us

Car insurance in Florida

Our Fort Walton Beach office at 139 Beal Pkwy SE, Suite 203 serves Okaloosa and Walton counties and the rest of Florida's Gulf Coast. We understand seasonal traffic, coastal storage and the carriers that compete for Northwest Florida drivers. In Florida we compare Progressive, GEICO, National General (by Allstate), Travelers and Liberty Mutual. Call (850) 684-0164. Car insurance in Florida → · Fort Walton Beach & Destin car insurance →

What we help with

• Liability, collision and comprehensive
• Multi-vehicle households and bundling with home or renters, when the package comes out ahead
• Teen and new drivers
• Nonstandard and high-risk markets when needed (Kentucky: high-risk car insurance in Kentucky)
• Florida SR-22 and FR-44 filings, with carriers that file them (Fort Walton Beach & Destin)
• Classic cars, motorcycles and RVs

Other carriers we work with

Other carriers Asshield works with include Root, Clearcover, Dairyland, The General and Bristol West for auto, Hagerty for classic cars, and Branch for personal lines. Availability varies by state, ZIP and underwriting. See all carriers.

Live elsewhere in our footprint? Dedicated auto pages below — same dual-office support by phone, text, and online quote.

Shop auto by state

Asshield is licensed / appointed to help with personal auto in these 12 states. Availability varies by ZIP and carrier. Serving drivers in Kentucky, Florida and 10 more licensed states.

City guides: Lexington, KY · Louisville, KY · Cincinnati, OH

Mobility & sharing economy

EV owners, rideshare drivers, peer-to-peer hosts, and emerging autonomous-taxi questions — educational pages with the same dual-office support:

• Tesla & EV insurance — sensors, glass, repair costs, gap (not Tesla Insurance™)
• Uber & rideshare — app periods, endorsements, specialty markets
• Cybercab / robotaxi — emerging autonomous ride questions (edu only)
• Turo / peer-to-peer — host & guest coverage gaps

Related guides

Coverages by type and by state — plus teens and who must be listed:

• Auto coverages explained (includes UM/UIM, UMPD, and the 12-state grid)
• State minimums aren’t a plan
• Young & teen drivers
• Unlisted / undisclosed drivers
• Motorcycle insurance — a bike usually needs its own policy, separate from your car

Each state page above also has a dedicated Auto coverages in … section tailored to that state’s rules.

Questions we hear

Does Kentucky require PIP?

Yes. Kentucky is a choice no-fault state, and policies include personal injury protection (basic reparation benefits) of $10,000 per person unless you formally reject the no-fault limitation in writing. Rejecting it has trade-offs, so ask us before you sign anything.

What are Kentucky's minimum liability limits?

$25,000 per person and $50,000 per accident for bodily injury, and $25,000 for property damage, or a $60,000 single limit. The minimum is a legal floor, not a recommendation. See state minimums aren't a plan.

Can you help if I have an international or foreign license?

Yes. Some carriers can write drivers with an international license, and we explain what documents to bring. See international license in Kentucky. Hablamos español.

Do you only sell one company?

No. Asshield is independent. In Kentucky we compare Liberty Mutual, Grange, Progressive, GEICO and Travelers, plus others when they fit, and in Florida we compare Progressive, GEICO, National General (by Allstate), Travelers and Liberty Mutual.

Educational only — not a quote, not legal advice, and not a coverage guarantee. Coverage, eligibility, and pricing are set by each carrier and vary by ZIP, property or driver details, and underwriting. Talk with a licensed Asshield™ agent about what fits your situation.