Car insurance in Frankfort, KY

Frankfort runs on state government, so a lot of Franklin County's traffic is commuters coming into the capital, plus plenty of Frankfort residents heading the other way to Lexington on I-64. Asshield™ is an independent insurance agency in Lexington, about 35 to 40 minutes east on I-64 depending on traffic, and we compare car insurance from several carriers for Frankfort and Franklin County drivers. We don't have a Frankfort office. Our office is at 2240 Executive Dr Ste 103, Lexington, KY 40505, and you can quote, review and sign by phone, text or email.

Online quote Call or text (859) 368-0162

Companies we compare for Franklin County

Liberty Mutual, Grange, Progressive, GEICO and Travelers, plus other carriers when they suit your situation. We put them side by side so you can see how each handles liability, uninsured motorist coverage, deductibles and rental, not just the price.

State employees and the I-64 commute

If you work for the state, you may drive into downtown Frankfort and the Capitol campus every weekday, or commute from Frankfort to Lexington or Louisville. Either way, interstate and US-60 miles add up. Give us an honest annual mileage. If you've moved to a hybrid schedule, tell us, since fewer miles can change how some carriers rate you.

Downtown, the river and the hills

Downtown Frankfort sits in the Kentucky River valley, with narrow streets, on-street parking and steep, winding roads up to the neighborhoods on the hills. Parking dings and tight-street fender benders are common. Collision pays to fix your car minus the deductible, and comprehensive covers things like a falling limb or flood damage to a parked car, if you carry it.

Kentucky State University students

KSU students who keep a car in Frankfort during the semester should make sure the policy reflects where it's garaged. Whether it stays on a parent's policy and whether a good-student credit applies depends on the carrier, so we'll check. See our young and teen driver guide.

US-127, US-421 and rural Franklin County

North and south on US-127 and out US-421 toward Bald Knob, Franklin County turns rural fast: two-lane roads, farm equipment and deer. A deer strike is usually a comprehensive claim, so check that you carry it before fall.

Kentucky rules in plain English

• Choice no-fault: personal injury protection (PIP) of $10,000 per person in basic reparation benefits.
• Minimum liability: $25,000 per person / $50,000 per accident bodily injury and $25,000 property damage, or a $60,000 single limit. Most drivers choose more.
• Titles and registration: Franklin County Clerk in Frankfort. Driver's licenses: KYTC Driver Licensing Regional Offices (drive.ky.gov).

More: Kentucky car insurance · state minimums aren't a plan

Tickets, a lapse or a suspended license?

See high-risk car insurance in Kentucky, suspended license and insurance lapses.

Questions we hear

Do you have an office in Frankfort?

No. Our only Kentucky office is at 2240 Executive Dr Ste 103, Lexington, KY 40505, about 35 to 40 minutes from Frankfort via I-64. We serve Franklin County by phone, text, email or in person.

I commute between Frankfort and Lexington. Does that affect my quote?

It can. Carriers rate on annual mileage and where the car is parked overnight, so give us an honest estimate.

My KSU student keeps a car in Frankfort. What should we do?

Tell us the school and home addresses. Carriers handle students who garage a car away from home differently, and we'll check each one.

Which companies do you compare for Frankfort drivers?

Liberty Mutual, Grange, Progressive, GEICO and Travelers, plus others when they fit.

Call or text (859) 368-0162 or start an online quote. Asshield Insurance, 2240 Executive Dr Ste 103, Lexington, KY 40505 · Mon–Fri 9–7 · Sat 9–5.

Nearby: Lexington car insurance · Versailles · Georgetown · All Kentucky car insurance

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.