Kentucky National Auto Insurance Review (2025)

In 2007, the Kentucky National Insurance Company was purchased by First Kentucky Insurance, owned by Terry Forcht.

Terry Forcht is also the Chairman and Chief Executive Officer of an organization known as the Forcht Group.

Begin your search for the best auto insurance rates your area has to offer with our FREE online tool. Just enter your ZIP code above now!

Kentucky National Insurance Coverage Options

Kentucky National offers a wide range of personal property and casualty insurance options.

The policies that Kentucky National offers are:

• Auto insurance
• Umbrella insurance
• Homeowners insurance
• Manufactured home insurance
• Watercraft insurance
• Condo insurance
• Renters insurance

Along with the different coverage options, Kentucky National also provides multiple discount opportunities so everyone can find the best policy to fit their needs and budget.

The Kentucky National website offers a way to make online payments via the company website.

The website also has tabs to help you locate a local auto insurance agent and view available products.

Understanding Kentucky Auto Insurance Options

There are multiple coverage options to consider when looking for the right auto insurance.

Consider these types of coverage:

• Bodily injury liability/property damage liability – protect the policy owner against financial loss when they are legally liable for an auto accident. Bodily injury liability pays for the costs of injury or death while property damage liability pays for damaged property
• Uninsured motorist bodily injury/uninsured motorist property damage – offer a policyholder coverage when they are involved in a car accident with a motorist that has no insurance coverage and that motorist is responsible for the accident; protects the policyholder if they are the victim of a hit and run accident
• Underinsured motorist – makes up the difference when the person you are in an auto accident with, and they are legally liable for the accident, does not have enough liability coverage to cover the cost of the policy holder’s damages
• Personal injury protection – also known as no-fault insurance coverage; provides coverage for the cost of injuries no matter who is at fault for the auto accident
• Collision – pays for the damages to the policyholder’s vehicle when it is involved in a collision with another vehicle, an object, or when the vehicle is rolled
• Comprehensive – pays for the damages to the policyholder’s vehicle when it is damaged in a fire, hail, theft, vandalism, flood, riot, windstorm, glass breakage, and even hitting an animal
• Towing and labor/rental reimbursement – Towing and labor insurance coverage pays the cost when the policyholder’s vehicle has to be towed. Rental reimbursement insurance coverage will pay for the cost of a rental car that the policyholder needs while their vehicle is being repaired

Kentucky National Insurance Discounts Available

Auto insurance providers like Kentucky National recognize the need for insurance policy discount options. This applies to auto insurance as well.

Some of the typical auto insurance discounts and credits that are regularly offered are:

• Defensive driver credit – given when a driver has attended and passed an insurance agency approved defensive driver course
• Driver training credit – for drivers under the age of 21 that have passed a driver’s education type course
• Anti-theft device discount – provides a policyholder with a discount when the insured vehicle possesses these types of safety features