ELECTRIC INSURANCE

Protect Your Vehicles Affordably

Kentucky Drivers Save With Great Discounts

Why Choose Electric Insurance?

Reliable, cost-effective insurance for your vehicles doesn’t have to compromise on such features as accident forgiveness and deductible waivers. Drivers in Kentucky now can take advantage of lower rates, great discounts, and award-winning, guaranteed claim service.¹

Kentucky residents save 10% with the new customer discount

10% New-Customer Discount

New auto policy customers can save 10% off our standard car insurance rates.

Save even more with additional discounts when you bundle your policies.

Bundled Policy Discounts

When you bundle your Auto and Home policies with Electric Insurance, you'll get a discount on both.

Your coverage will pay to replace your totaled new vehicle without requiring a deductible.

No-Hassle New Car Replacement²

If your newer vehicle is totaled by a covered cause of loss, we’ll replace it with a new one – without deducting for depreciation.

Save an additional 10% in KY when you participate in the Great Driver program.

Great Driver™ Discounts³

Receive a 10% discount just for enrolling in our Great Driver program. Earn a good score and you can save even more when you renew your policy.

Satisfaction with your auto damage claim service or $100 back.

Award-Winning Claim Service⁴

We pride ourselves on taking great care of our customers. Get a quote and learn for yourself why 99% of surveyed respondents who've filed a claim with us would renew.

Get free a quote.

Call our helpful Risk Coach™ professionals at 800.856.3561

About Us

For more than 50 years, we’ve provided customers like you with the right coverage at the right price and the best service. Our Risk Coaches are licensed agents who help you understand your needs and get the discounts you deserve.⁵

The information on this site is provided for informational purposes only and is not a full explanation of products, services, or coverage. For more information, please contact Electric Insurance Company at 800.342.5342. If there are discrepancies between the information on this site and in the policy, the terms in the policy apply.

1. American Business Awards^SM; terms and conditions apply to the Signature Claim Service Guarantee^SM; availability varies by state.

2. Pays to replace your totaled or stolen vehicle with a new one of the same make, model, and equipment without deducting for depreciation, when you have Collision and Comprehensive/Other Than Collision coverage. Applies to vehicles up to one year old with 15,000 or fewer miles on the odometer.

3. The Great Driver™ smartphone app is a Risk Coach™ service from Electric Insurance Company^®. Great Driver program auto policies are currently available in AZ, CT, IL, MO, OH, NJ, TX, and WI. Participation is optional. Eligibility, qualifications, and availability may be modified or changed at any time.

4. Based on a 2017 Electric Insurance Company customer claims survey

5. Electric Insurance Company Risk Coach™ professionals help you assess your current coverages and exposure to risk based on the information you provide during your discussion. The services provided are for informational purposes only and do not create a professional or fiduciary relationship. Incomplete information or a change in your circumstances after your meeting may affect coverage requirements or recommendations.