Affordable, comprehensive auto coverage for Indiana and Kentucky drivers — with personal guidance from Bill Cline, a veteran agent who puts your protection first.
Auto insurance is more than a legal requirement in Indiana and Kentucky — it's the financial safety net that protects you, your passengers, and your assets when the unexpected happens on the road. Whether you're commuting through Indianapolis, driving the Bluegrass Parkway, or navigating rural Monroe County back roads, the right auto policy means you're covered no matter what.
Bill Cline at Yellow Ribbon Insurance takes the time to understand your driving profile, your vehicle, and your budget — then builds a policy that genuinely fits. That means no one-size-fits-all recommendations and no upselling on coverage you don't need. Just honest, expert guidance from a local veteran agent who cares about your outcome.
Both states require drivers to carry 25/50/25 liability coverage — $25,000 per person for bodily injury, $50,000 per accident total, and $25,000 for property damage. Indiana also requires uninsured motorist coverage. That said, with the average new vehicle costing over $48,000, minimum limits often leave significant financial exposure. Bill will walk you through your assets and income to determine coverage levels that truly protect you.
Yellow Ribbon Insurance also specializes in classic car, collector vehicle, and antique auto coverage — policies that standard insurers often handle poorly. These agreed-value policies are tailored to how collectors actually use their vehicles and ensure you're paid the full insured value in the event of a total loss. If you have a vehicle you've invested time and money into, it deserves a policy built for it.
Beyond standard and specialty auto, Bill Cline can assist with SR-22 filings, non-owner auto policies, and high-value vehicle coverage — giving Indiana and Kentucky drivers a single trusted resource for all their auto insurance needs.
Get My Free Quote →Bill Cline is a veteran who founded Yellow Ribbon Insurance in 2018 with a mission to serve Indiana and Kentucky families with honesty, integrity, and genuine care.
We're not a call center. We're your neighbor — a local agent who takes the time to understand your situation, your family, and what matters most to you.
With over 47 five-star reviews, our clients consistently praise Bill's responsiveness, expertise, and genuine care for their families and businesses.
We have access to policies with claims forgiveness on qualifying coverage — meaning your first claim won't automatically raise your rates.
Call or text Bill directly. No hold music, no automated menus — just fast, expert answers from someone who genuinely cares about your outcome.
From Bloomington to Louisville, we know the local risks — severe weather, regional driving conditions, flood zones — and build your coverage accordingly.
Rates vary based on your location, history, coverage level, and other factors. The table below gives you a general idea of what Indiana and Kentucky residents typically pay. The best way to know your exact rate is to get a free, no-obligation quote.
| Coverage Level | Typical Monthly Cost (IN/KY) | Notes |
|---|---|---|
| Minimum Liability Only | $42–$85/mo | Meets Indiana & Kentucky legal minimums — not recommended for most drivers |
| Standard Coverage | $85–$140/mo | Liability + collision + comprehensive — ideal for most drivers with financed vehicles |
| Full Coverage + Extras | $140–$220/mo | Adds rental, roadside, gap insurance, higher limits — recommended for new vehicles |
| Classic / Collector Vehicle | $20–$65/mo | Agreed value policies for vintage & collector cars — surprisingly affordable |
Every policy is unique. Call Bill Cline at (812) 359-1767 or request a free quote online — no pressure, no commitment.
Still have questions? We're happy to help.
Talk to Bill Cline →