We understand that different drivers have different coverage needs. Whether you drive long or short distances, for business or personal transportation, your local Kentucky Farm Bureau Insurance agent can develop an automobile policy tailored to your specific needs.

Kentucky Farm Bureau Insurance offers the following auto insurance coverage:

Auto liability coverage

• Bodily injury liability
• Property damage liability

Auto physical damage coverage

• Collision
• Other than collision

Coverage for added protection

• Uninsured motorists
• Underinsured motorists
• Personal injury protection

Other coverage options

• Medical payments
• Towing and labor costs
• Rental reimbursement/transportation expenses

Interested in saving money on your auto insurance premium? We offer discounts that reward good students, safe drivers, and more.

Check out a brief description of some of our discounts below. If you're interested in learning more, chat with your local agent for specific rules and eligibilities.

Good Student Discount
Are you a full-time student with a B average or higher? Congratulations! Bring in a transcript or one of our Good Student Discount forms signed by a school official, and you may be eligible for a discounted premium. Good Student Discount forms are available at your local agency.

Driver's Training Discount
If you've successfully completed a certified safe driver's course, bring in a signed certificate of completion to your agent and snag a discount. The driver's training discount applies to single drivers under the age of 25 or married male drivers under 21.

Safe Driver Discount / DriveRight® Discount
We reward drivers that have gone 3, 5, or 8 years without an accident or claim. The longer you've been at-fault accident-free, the higher your discount climbs (up to 25%)!

Defensive Driving Course Discounts

• Senior Operator Accident Prevention
  We honor drivers aged 55 and older who successfully complete an approved safety course. Provide us with a certificate of completion, and we'll save you some green.
• Military Defensive Driving Course
  We salute members of the United States Armed Forces who have taken a defensive driving course provided by the U.S. Armed Forces. Drivers must submit a certificate showing completion of an approved defensive driving course. Thank you for your service!

*Note: Defensive Driving Course Discounts do not apply if the course was completed under a court order as a result of a motor vehicle conviction.

Auto Safety Devices Discount
Is your vehicle equipped with anti-lock brakes, anti-theft devices, or passive restraints? You may be eligible for a discount.

Multi-Vehicle Discounts
If you insure more than one vehicle with us, you're eligible for a discount! 

Active Property Discount
Do you carry multiple lines of insurance through us? You can save on your premiums when you carry both an automobile policy and a homeowner, mobile homeowner, or farmowner policy with Kentucky Farm Bureau Insurance.

School Bus Driver Discount
Certified school bus drivers who can furnish a yearly proof of recertification may qualify.

Umbrella Discount
If you are insured by Kentucky Farm Bureau Insurance, and you carry both an automobile policy and an umbrella policy, you might be eligible for a discount.

Coverage availability is subject to eligibility and other qualifications. Please consult your policy for actual contract coverage and exclusions. 

The car may be wrecked, but your nerves don't have to be. If you have been involved in an accident, click here for instructions on what to do next.

For answers to frequently asked questions regarding auto claims, click here.

Download our Auto Loss Checklist. Print it out and keep it in your vehicle for quick reference.

Kentucky Farm Bureau Insurance has been serving families of the Bluegrass since 1943. We are the largest property and casualty insurance company in Kentucky. We're located where our customers are — in each and every one of the 120 counties in the Commonwealth. Tired of dealing with a computer or answering service? We're hometown people ready to serve you on a personal basis.

Kentucky Farm Bureau Insurance is rated A (excellent), one of the highest ratings awarded by the A.M. Best Company, the most respected name in insurance rating services. In addition, we are currently rated an A+ with the Better Business Bureau (BBB). BBB ratings are based on 13 trust-related factors, including fair and appropriate handling of any customer complaints filed with BBB, business stability as represented by numerous years of business, and compliance with BBB’s Standards of Trust.

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