Skip to content Accessibility info

Shelbyville Auto Insurance

Auto Insurance

Shelbyville Vehicle Owners Must Carry Auto Insurance

If you are a vehicle owner in Shelbyville, you must carry at least the minimum auto insurance required by the state of Kentucky:

  • $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 has liability insurance, you and other drivers are protected should you have an accident. You can always increase your liability protection for more coverage if you meet certain criteria:

  • You have a young or new driver in the household.
  • You do a lot of driving compared to others in the state.
  • You are a high net worth individual.

Extra liability protection limits how much would come out of your pocket after a serious accident that exceeds your policy cap.

Opt for Full Coverage for More Complete Protection

Liability protection pays for other people’s injuries and property in most cases. However, full coverage protects your vehicle if you’re at fault in an accident and in other common circumstances.

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

We know most of our clients in Shelbyville depend on their vehicles to get around for school, work, and other necessities. Full coverage helps reduce disruption to your life if the unexpected happens. In fact, it is likely mandatory if you finance your car or truck.

Let Our Independent Agents Customize a Policy for You

Independent agents offer a wider selection of auto insurance products because they’re not tied to just a few plans like a big company. This, plus our stellar personalized service, means you get a more customized insurance policy that reflects your one-of-a-kind needs.

Are you looking for auto coverage in Shelbyville? Call Old Kentucky Insurance at 502-451-8800 for more information. For your convenience, you can also start a policy online any time.