Auto Insurance
Louisville, Oldham, Shelbyville, and surrounding areas in KY & Indiana.
Having the freedom to drive also means taking responsibility — and with nearly 5 million drivers sharing the roads in Kentucky, accidents are more common than most people realize. Even safe drivers experience multiple collisions over a lifetime, which is why the right auto insurance isn’t just helpful — it’s essential.
At Bruce Insurance Group, we proudly serve drivers across Kentucky with customized coverage that fits your lifestyle and your budget. You're never just a policy number to us — we take the time to understand your needs and match you with protection you can rely on.
Ready for peace of mind on the road? Call us today at (502) 412-1407 or fill out the quote form to get started.
Common Car Insurance Questions In Kentucky
What Auto Insurance Is Required By Law In Kentucky?
Kentucky requires all drivers to carry at least:
$25,000 in bodily injury liability per person
$50,000 in bodily injury liability per accident
$10,000 in property damage liability
$10,000 in personal injury protection
How Are Auto Insurance Rates Determined?
Car insurance rates vary depending on several factors, including the location, the value of the vehicle, and the driver's:
Age
Gender
Zip Codes
Driving record
How Do Auto Insurance Deductibles Work?
An auto insurance deductible is an amount of money the policyholder agrees to pay before they can receive compensation on a claim. For example, if your car insurance deductible for collision coverage is $500 and you file a claim on this coverage, you will have to cover $500 for the damages before receiving compensation for the rest.
How Much Auto Insurance Do I Need?
Every driver is different, so it's important to consider your specific car insurance needs. Aside from the required liability and personal injury protection, we also recommend drivers carry:
Comprehensive Coverage: Comprehensive coverage provides compensation for damage or loss of a vehicle due to fire, wind, hail, falling objects, lightning, theft and vandalism.
Collision Coverage: Collision coverage provides compensation for damages or loss of a vehicle due to a collision with another vehicle or object.
Uninsured/Underinsured Motorist: This coverage usually covers accidents involving another driver not carrying insurance hen you are injured.
Roadside Assistance: Roadside assistance can help with travel interruptions by offering tire changes and towing.
