Car Insurance in Louisville, Kentucky
Applegate Pulliam Insurance Group writes car insurance in Louisville, Kentucky. We're licensed in Kentucky, our office is just across the river in New Albany, Indiana, and 40% of the premium we write comes from Louisville.
Kentucky's minimum is $25,000 per person you injure, so before you take the cheapest quote, check that number against what you own. Then send us your policy and we'll quote the companies that fit your household.
Kentucky car insurance: what the law requires
Kentucky requires 25/50/25 liability ($25,000 per person, $50,000 per accident for injuries, $25,000 for property damage) or a $60,000 single limit, plus $10,000 of personal injury protection (PIP) unless you reject it in writing (Kentucky Transportation Cabinet). Kentucky is a choice no-fault state, which is why PIP is on your policy.
Minimum is the floor. If you own a home in Louisville, or anywhere, $25,000 of liability can leave it exposed after one bad wreck.
What a Louisville car insurance quote from us includes
- Quotes from Progressive, Travelers, Safeco, Nationwide and the rest of our 36 companies that write in Kentucky.
- A plain-English look at PIP, uninsured motorist and your liability limits.
- Home and auto together if you own, which usually saves more. See home insurance.
- Same-day binding by text when you're ready.
- A work truck goes on a commercial policy; see contractor insurance.
Live on the Indiana side? See car insurance in New Albany.
Why a Louisville driver would use an Indiana agency
Because we're licensed in both states and a lot of our clients live on one side of the river and work on the other. You get two agents who answer, not a call center. We're happy to meet in person at our office, 222 Pearl St #103, New Albany, IN 47150, a few minutes over the Sherman Minton or the Second Street bridge, or do the whole thing by phone and text.
Louisville car insurance questions
- Do I need PIP on my Kentucky car insurance?
- Kentucky requires $10,000 of personal injury protection unless you reject it in writing. We'll explain what rejecting it changes before you decide.
- Is 25/50/25 enough car insurance in Kentucky?
- It's the legal minimum. If you own a home or have savings, higher limits usually cost less than people expect. We quote both.
- Can an Indiana agency insure my car in Kentucky?
- Yes. We're licensed in Kentucky as well as Indiana, and we work with many of the same insurance companies on both sides of the river.
- How fast is a quote?
- Usually within 24 hours. Text us your VINs and driver's license numbers to go faster.
Get a Kentucky car insurance quote
Licensed in Kentucky, just across the river. Send your current policy and we'll check it.