Save on tailored auto insurance

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Grange offers Kentucky auto insurance policies built for you by an independent agent. Independent agents offer expertise and guidance to help you get coverage tailored to your needs and budget.

Common Kentucky auto insurance questions

Yes, it’s illegal to drive without car insurance in Kentucky. Drivers in Kentucky are required to have bodily injury to others and property damage liability coverages.

These are the required coverage amounts in Kentucky:



Bodily injury to others

$25,000 per person; $50,000 per incident

Property damage liability

$10,000 per incident

The insurance you need will depend on multiple factors. Choosing the right insurance is easy when you work with an independent insurance agent, as they can ensure you have the right coverage to fit your budget. Find an agent to get started, or learn more about the car insurance options Grange has to offer.

The cost of auto insurance will vary based on the coverages you choose and which discounts you qualify for. Grange offers competitive rates and a variety of discounts to help you save money on auto insurance. Learn more

Yes, you can insure multiple vehicles on your auto policy.

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Many ways to save

Save money with a variety of discounts.

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A customized policy made for you

Learn about coverages most important to you.

See all coverages


Read reviews from Kentucky customers 

We are committed to using feedback to improve our customer service. Here’s what some Kentucky auto insurance customers have to say about Grange Insurance.

Five star rating

Rizwan A.

I have been with Grange for several years. Recently, my windshield was damaged and required replacement. It was replaced, and the process was simple and easy.

Dave W.

My wonderful agency steered me to Grange and I love it. The rates are great, and the automatic withdrawal payment option is awesome.

Ronnie K.

Very easy to work with on all claims and updating polices.

Clark M.

Have been with them over 30 years. Never had a problem.

Why independent agents?

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They work for you

Insurance agents who represent one carrier can only provide the best options from a single insurance provider. Independent agents work for you, finding the best coverage options from multiple carriers.

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More coverage options

Independent car insurance agents consider your needs and driving habits to find the best coverage. Because they aren’t tied to a specific insurance company, they provide more options.

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It's easier to comparison shop

Unlike shopping for car insurance online, working with an independent agent makes it easy to compare auto policies from multiple carriers. You won’t have to wonder if you’re on the right track since you’ll have an expert in your corner to answer your questions.

Find an agency

Coverages described herein may not be available in all states. Please contact a local independent Grange agent for complete details on coverages and discounts. If the policy coverage descriptions herein conflict with the language in the policy, the language in the policy applies. The material provided above is for informational, educational, or suggestion purposes and does not imply coverage. WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL PREMIUM RATE FOR THE INSURANCE HEREIN ADVERTISED. Grange Insurance policies are underwritten by Grange Insurance Company, Trustgard Insurance Company, Grange Indemnity Insurance Company, Grange Insurance Company of Michigan and Grange Property & Casualty Insurance Company*. Not all companies are licensed in all states. *Not licensed in Pennsylvania.