Car insurance in Richmond & Berea, KY

For most of Madison County, getting anywhere means I-75. Asshield™ is an independent agency in Lexington, right off I-75 at Exit 110: about 25 to 30 minutes from Richmond and about 40 from Berea. We compare car insurance from several carriers for drivers in Richmond, Berea and the rest of Madison County. We don't have an office in Richmond or Berea. Our office is at 2240 Executive Dr Ste 103, Lexington, KY 40505, and most clients handle everything by phone, text or email.

Online quote Call or text (859) 368-0162

Carriers we compare for Madison County drivers

Liberty Mutual, Grange, Progressive, GEICO and Travelers, plus other carriers when they fit. College-town ZIP codes, long interstate commutes and young drivers can make one company a much better fit than another, so we compare them side by side.

I-75 and the Clays Ferry bridge

The I-75 crossing over the Kentucky River at Clays Ferry is where Madison County commutes usually back up, and the long grades on either side see their share of rear-end and truck-related crashes. For drivers who make that run every day, we pay close attention to:

• Liability limits well above the state minimum
• Uninsured and underinsured motorist coverage, which protects you when the other driver can't
• Collision and rental reimbursement, so a crash doesn't take away your only way to work

EKU students and families

Eastern Kentucky University brings thousands of students to Richmond each year. Common questions: should the car stay on a parent's policy, what happens when it's garaged in Richmond during the semester, and does a good-student credit apply? Answers vary by carrier. Tell us the school and home addresses and we'll check. Students in off-campus apartments should look at renters insurance too; the landlord's policy won't cover their belongings.

Berea and Berea College

Berea drivers often have the longest commute into Lexington, about 40 minutes up I-75. Families with a Berea College student or a teen driver in town ask the same garaging and good-student questions as EKU families, and we answer them carrier by carrier.

Blue Grass Army Depot and shift commuters

The Blue Grass Army Depot and the warehouse and manufacturing jobs along the I-75 corridor mean a lot of shift work and early or late driving. Your schedule doesn't usually change the rate by itself, but total mileage does, so give us an honest number.

Kentucky rules, quickly

• Choice no-fault: personal injury protection (PIP) of $10,000 per person.
• Minimum liability: 25/50/25, or a $60,000 single limit.
• Titles and registration: Madison County Clerk, with offices in Richmond and Berea. Driver's licenses: KYTC Driver Licensing Regional Offices (drive.ky.gov).

More: Kentucky car insurance · young and teen drivers

Tickets, a DUI or a lapse?

Start with high-risk car insurance in Kentucky, car insurance after a DUI or insurance lapses. New to the U.S.? See international license (en español).

Questions we hear

Do you have an office in Richmond or Berea?

No. Our office is at 2240 Executive Dr Ste 103, Lexington, KY 40505, just off I-75 Exit 110. That's about 25 to 30 minutes from Richmond and about 40 from Berea. We serve Madison County by phone, text, email or in person.

Should my EKU student stay on our family policy?

Often, yes, but it depends on where the car is parked during the semester and each carrier's rules. Give us both addresses and we'll check.

Which companies do you compare for Richmond and Berea drivers?

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

I drive I-75 to Lexington every day. What coverage matters most?

Strong liability limits, uninsured and underinsured motorist coverage, and collision with rental reimbursement are the usual priorities for daily interstate commuters. We'll show you the options on your quote.

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.

More about Madison County: Richmond & Berea page.

Nearby: Lexington car insurance · Nicholasville · Winchester · 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.