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Erlanger Auto Insurance

Auto Insurance

Auto Insurance Is Required for Erlanger Drivers

We want to remind our Erlanger clients that carrying at least the minimum auto insurance required by the state of Kentucky is a must to own and operate a motor vehicle:

  • $25,000 for one person for bodily injury damages
  • $50,000 for bodily injury damages per accident
  • $25,000 for property damage
  • Basic reparations benefits for personal injury (aka PIP insurance)


  • A policy with a single limit of $60,000

When everyone on the road has liability insurance, you and other motorists are protected in case the unexpected happens. The numbers above are only the minimum required. You can increase your liability coverage for even more protection, which is a wise idea if you have a young driver in your household, if you drive more than others in Kentucky, or if you have a high net worth. Increased liability coverage reduces the amount that could come out of your own bank account if an accident exceeds the minimum insurance cap.

Get Better Protection With Full Coverage

What if you are at fault in an accident and your vehicle is damaged or totaled? That’s where full coverage comes in, which may be required by your lender if you finance your vehicle.

Full coverage auto insurance includes:

  • Collision coverage for vehicle damage or replacement
  • Comprehensive coverage for vehicle damage or loss due to vandalism, theft, storms, and many natural disasters

Having full coverage minimizes disruption to your life if your vehicle is damaged and you rely on it for work, errands, school, or kids activities. You won’t have to save up for repairs or a replacement in the event of an accident.

We’ll Help You Find an Auto Policy Just for Your Needs

If you enjoy personalized service and a large menu of insurance products for your budget and lifestyle, you’ll like partnering with an independent agency. We have all the big carriers’ products, but a wider selection with no obligation to any single company. The end result is an auto insurance policy tailored just for you.

Do you need auto coverage right away? Call Old Kentucky Insurance at 502-451-8800 today. Or feel free to use our online form to start a policy any time.