Your Independent Insurance Agency in Lexington, KY
We shop 20+ carriers to find your best rate on home, auto, business, and Medicare coverage. You don't pay more for that — it's just how we work.
Serving Central Kentucky
We're licensed and actively writing policies for clients in Lexington, Frankfort, Lawrenceburg, and Georgetown. If you're outside the core Lexington market and need a local independent agent, we're already in your area.
Coverage for Every Part of Your Life
Home Insurance
From first homes to investment properties, we compare top-rated carriers to find the coverage that fits your situation and budget.
Auto Insurance
We shop rates across multiple carriers for cars, trucks, motorcycles, and recreational vehicles so you're covered on the road without overpaying.
Business Insurance
General liability, commercial property, workers' comp, cyber, and more, built around what your business actually does.
Life Insurance
Term and whole life policies that fit your stage of life and the people depending on you.
Medicare Supplements
Plan F, G, N, and High-Deductible G options explained clearly, with a licensed agent who helps you compare without pressure.
Toy Insurance
ATVs, boats, and RVs need their own coverage. We make it easy to add the right policy before your next trip out.
We Work for You, Not for an Insurance Company
As an independent agency, Summit Insurance Group isn't tied to any single carrier. We compare options across 20+ top-rated companies to find the coverage that fits your needs and your budget. That comparison costs you nothing extra — it's the whole point of working with an independent agent.
Our clients have reported saving $750 to $1,200 by switching to coverage that was actually matched to their situation. The right policy isn't always the cheapest one on the first quote — it's the one that holds up when something goes wrong.
Summit is veteran-owned, family-operated, and based right here in Lexington. When you call, you reach the same team that wrote your policy.
Veteran-Owned, Family-Operated, Rooted in Kentucky
Summit Insurance Group was built on the values that military service instills: discipline, integrity, and accountability to the people counting on you. We carry those same standards into every client relationship.
This is a family business. You'll work with the same people every time you call, and they'll know your name before you finish introducing yourself. We give honest advice on coverage, flag gaps when we find them, and make sure you understand what you're actually buying.
We're proud to serve
Lexington, Frankfort,
Lawrenceburg,
Georgetown, and clients across Kentucky, Maryland, Ohio, Tennessee, and West Virginia.
This insurance company has helped me out so much and they are right on it when you call. They even call back real quick if you leave a message! A big thank you to Amy Price my agent she is the best!!
Pamela Haynes
After our insurer decided to raise our rates to incredibly high rates for no reason other than “inflation”….we reached out to Cameron at Summit Insurance company to help us find better rates. Summit and Cameron searched for the best rates for us and our cars through several different companies and found the best rates for us!! Saves us over $750 per year!!! Easy to talk to via email, text, and on the phone and made the whole process very easy!! Highly recommend them if you are looking to shop for insurance!!
Shawn Moberly
The team at Steve's office were great when helping with the after math of the storms in 2023
Dan Stormking
When I originally checked out Summit Insurance, Steve and his team were able to save me over $1200.00. When my mother passed away, I was in need of renter's insurance and would not have thought twice. I called the office and they took great care of me. I recommend Summit Insurance to everyone I know.
Michelle Stevens
Questions About Working with an Independent Insurance Agency
What's the difference between an independent insurance agent and a captive agent?
A captive agent works for one insurance company and can only offer that company's products. An independent agent like Summit works with multiple carriers, which means we compare options across the market to find the coverage and rate that fits you best. You get more choices, and the comparison process costs you nothing.
Why would I use an independent agent instead of going directly to a company like State Farm or Allstate?
When you go directly to a single carrier, you're limited to what that carrier offers. Summit compares rates and coverage across 20+ companies on your behalf. In many cases, clients end up with better coverage at a lower premium than they had before — because the right policy for your situation isn't always the one a single company is incentivized to sell you.
Is Summit Insurance Group veteran-owned?
Yes. Summit was founded by Steve Terrell, a U.S. Army veteran. The agency is family-operated, and the same team handles your policy from quote to claim support. If veteran-owned businesses matter to you when choosing who to work with, we're proud to be that agency in Lexington.
What types of insurance do you offer in Kentucky?
We offer home, auto, business, life, toy, Medicare supplement, and group health insurance. As an independent agency, we write policies across multiple carriers so you're not limited to one company's lineup. If you have a coverage need we haven't named here, call us and we'll tell you whether we can help.
What areas do you serve?
Our office is in Lexington, and we actively serve clients in Frankfort, Lawrenceburg, and Georgetown as well. We're also licensed in Maryland, Ohio, Tennessee, and West Virginia. If you're in Central Kentucky and looking for a local independent agent, we're already working in your market.
How can I save money on insurance in Kentucky?
The most reliable way to lower your premium is to compare rates across multiple carriers, which is exactly what we do. Beyond that, bundling home and auto coverage, maintaining a clean driving record, and reviewing your coverage limits regularly can all reduce what you pay. We review policies at renewal to flag gaps and identify savings opportunities before you renew at a rate that may no longer reflect your situation.
