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Lexington Office

Office Location

828 Allen Road, Ste 219
Lexington, KY 40504 (Fayette County)

Direct Phone

(763) 766-7744

Email Inquiries

info@updateyourquotes.com

Auto Insurance Quotes Lexington KY
Flagship Coverage

Compare Auto Insurance Quotes & Save Big

At Update Your Quotes, we believe nobody should overpay for auto insurance. As an independent agency headquartered at 828 Allen Road, Ste 219, Lexington, KY 40504, we scan 30+ top-rated carriers (including Progressive, Travelers, Nationwide, Safeco, and more) to find you the strongest coverage at the most competitive monthly rate.

Kentucky Auto Insurance Requirements & Recommendations

Under Kentucky state law, all drivers must carry minimum liability coverage of 25/50/25, along with $10,000 Personal Injury Protection (PIP). However, state minimums often leave drivers personally liable after serious accidents. We help you obtain superior protection without breaking your budget:

$25,000 - $250,000+ Bodily Injury per person
$50,000 - $500,000+ Bodily Injury per accident
$25,000 - $100,000+ Property Damage Liability
$10,000+ Personal Injury Protection (PIP)

Essential Auto Coverage Options

Customize your auto policy with coverage options tailored for your vehicle, commute, and family:

Collision Coverage

Pays for damage to your vehicle resulting from an accident with another vehicle, guardrail, or object, regardless of fault.

Comprehensive Coverage

Protects against damage caused by hail, storms, falling tree limbs, theft, vandalism, windshield damage, or animal collisions.

Uninsured / Underinsured Motorist

Protects you and your passengers if you are struck by a hit-and-run driver or a motorist with inadequate liability limits.

Roadside Assistance & Towing

24/7 emergency dispatch for flat tires, dead batteries, lockouts, fuel delivery, and emergency towing to your preferred mechanic.

Unlock Big Auto Discounts

Auto + Home Bundle: Up to 25% off
Multi-Car Discount: Save on every vehicle
Safe Driver Telematics: Save up to 30%
Good Student Discount: Honor roll savings
Pay-in-Full / Paperless: Instant reduction
Continuous Insurance: Loyalty bonus
Call (763) 766-7744 for Discount Review

Frequently Asked Questions

We recommend reviewing and updating your auto insurance quotes at least once a year, or whenever you experience life events such as buying a new vehicle, moving, adding a driver, getting married, or experiencing a rate increase at renewal. Carriers frequently revise their rate algorithms.

Yes! You are never locked into your existing policy. You can switch to a lower rate at any time, and your previous insurer is legally required to refund any unused, prepaid premium pro-rata.

Captive insurance companies (like Geico or State Farm) can only offer you their own single price. As an independent agency, Update Your Quotes compares dozens of top carriers simultaneously to find you the best rate and package without any bias.

Ready to Lower Your Auto Insurance Bill?

Get a free, zero-obligation comparison from our licensed agents today.

Request Free Quote (763) 766-7744