Auto Insurance in Pulaski County, KY — Reliable Coverage for Drivers Across Kentucky
Whether you're commuting through Somerset, running errands in Pulaski County, or road-tripping across Kentucky, your vehicle deserves protection that goes the distance. At Stewart & Tucker Insurance, we offer auto insurance tailored to your life — not just your car.
As independent agents, we compare rates from trusted national carriers to help you get the best auto insurance in Kentucky without sacrificing coverage or service.
What Should Your Auto Insurance Policy Cover?
Not all car insurance policies are created equal. Here’s what every Kentucky driver should consider when choosing auto coverage — especially if you’re driving in Pulaski County or the Somerset KY area.
Liability Coverage
Protects you if you cause injuries or property damage in an accident. Required for all Kentucky drivers.
Collision Coverage
Covers repairs to your vehicle after a collision — whether it’s another car, a guardrail, or a Kentucky pothole.
Comprehensive Coverage
Protects your car from non-collision damage including hailstorms, vandalism, theft, fallen trees, or hitting a deer — all common risks in Kentucky.
Uninsured / Underinsured Motorist Coverage
Provides financial protection if you're hit by someone who has little or no insurance — a real concern across the state.
Medical Payments (MedPay)
Helps pay medical bills after an accident, regardless of who’s at fault. Ideal for high-deductible health plans.
Roadside Assistance & Towing
24/7 peace of mind anywhere in Kentucky if your car won’t start, breaks down, or needs towing.
Add‑Ons That Matter
Stronger protection can make all the difference when the unexpected happens. Popular Kentucky auto insurance endorsements include:
Rental Reimbursement
Covers your rental car while yours is being repaired.
Gap Coverage
Pays the difference if your vehicle is totaled but you owe more than its value.
Glass Repair
Covers windshield chips or cracks, often with no deductible.
Why It Matters
Why Auto Insurance Matters in Kentucky
In Kentucky, auto insurance isn’t just a requirement — it’s essential protection. Minimum limits often fall short when facing:
- Rising repair and replacement costs
- High rates of uninsured or underinsured drivers
- Severe weather and wildlife collisions
- Increasing medical expenses
At Stewart & Tucker Insurance, we help you balance cost and coverage so you're never overpaying — and never underprotected.
What You Need to Know About Auto Insurance in Kentucky
Here are answers to the most common questions from our clients in Pulaski County and throughout Kentucky:
What’s the minimum auto insurance required in Kentucky?
Kentucky requires 25/50/10 liability minimums, but most drivers need higher limits for real protection.
Is Kentucky a no-fault state?
Yes. Kentucky’s no-fault rules mean your own insurance covers initial medical expenses after an accident.
Do I need uninsured motorist coverage in Kentucky?
It’s optional — but highly recommended due to the number of underinsured drivers on Kentucky roads.
How often should I review my policy?
We review your auto insurance every 6 months to ensure you're still getting the best rate and strongest coverage.
Can I bundle multiple vehicles or drivers?
Yes! Bundling autos — or combining home and auto — often leads to significant savings.
Get Personalized Auto Insurance You Can Count On
Your driving needs aren’t one-size-fits-all — and your auto insurance shouldn’t be either. Whether you’re a long-time driver in Pulaski County, new to Somerset, or relocating anywhere in Kentucky, we’ll help you build a policy that fits your lifestyle and your budget.