Auto Insurance
Affordable Plans. Trusted Experts.
Your car is more than just a way to get from A to B. It’s part of your everyday life. That’s why we offer auto insurance designed for Kentucky drivers. From basic liability to full coverage, our team will help you find the right protection without the stress or guesswork.
Ingram Insurance knows Kentucky roads because we drive them too. From busy commutes to quiet backroads, we understand the coverage local drivers actually need, not just the minimums. That local knowledge helps us build Bowling Green, KY auto insurance policies that fit your life, your vehicle, and the way you drive. And if life takes you beyond state lines, you’re still in good hands. Through our relationships with respected regional and national providers, we have the connections and resources to assist you wherever the road takes you.
Auto insurance policies can vary, but here are the most common types of coverage we’ll help you understand:
Covers injuries and property damage you cause to others in an accident. It’s required by law in Kentucky.
Helps pay for damage to your own vehicle if you're in a crash, regardless of who’s at fault.
Covers non-collision events like theft, vandalism, fire, or weather-related damage.
Protects you if the other driver has little or no insurance.
Helps cover medical costs for you and your passengers after an accident.
Extras like roadside assistance, rental car coverage, and gap insurance.
Kentucky requires all drivers to carry minimum liability coverage, which includes $25,000 for bodily injury per person, $50,000 per accident, and $25,000 for property damage. Personal Injury Protection (PIP) is also mandatory. We’ll help ensure you meet all state requirements—and more if you choose.
There are several ways to save on your policy. We can explore bundling discounts, safe driver rewards, low mileage discounts, good student rates, and more. As an independent agency, we’re able to shop around to get you the best possible value.
It depends on your comfort with risk. If you rely heavily on your vehicle and would struggle to replace or repair it out-of-pocket, full coverage (which includes collision and comprehensive) may still be worth it. Even if your car is paid off.
It’s a good idea to review your policy at least once a year or whenever you experience a major life change, like buying a new car, moving, getting married, or adding a teen driver. Regular check-ins help ensure your coverage still fits your needs and that you’re not missing out on potential savings.
Lance is a great agent! He was able to find us the best price for home and auto insurance. I shopped around and tried to do better, but really couldn’t find a better deal. Ingram insurance saves me a lot of time and effort shopping for insurance and is only a call away if I ever need anything.
My auto insurance went up so I decided to call Ingram Insurance. I was shocked, in a good way at the price difference for better coverage. Needless to say, I switched to Ingram Insurance. Nate Estes made the whole process so easy. I really appreciate that! Way to go Ingram and Nate!!
My experience with Nate at Ingram insurance was first rate. I called from out of state to get auto insurance for my daughter who lives in KY. Nate was very helpful, knowledgeable and timely with all of the questions I had and was able to secure a good rate for my daughter’s car insurance. I would definitely recommend them!!
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