🏡 Your Georgetown, KY State Farm Agent – Steve Woodrum 🏡

Steve Woodrum State Farm is a local insurance agency at 102 Finley Drive in Georgetown, Kentucky, serving Scott County families, Toyota and plant employees, seniors and local businesses. We help with auto, home, renters, condo, life, health and business insurance, plus financial services, across Georgetown and Central Kentucky.

📍 102 Finley Drive, Suite 80, Georgetown, KY 40324

Behind Dairy Queen and Taco Bell, in front of Camping World. Look for the giant American flag!

⭐ Nearly 1,000 Google reviews across our Georgetown and Frankfort offices

🗺️ Serving Georgetown, Scott County, Stamping Ground, Sadieville, Great Crossing, Delaplain, north Lexington, Paris, Cynthiana, Midway, Versailles, Frankfort and communities throughout Central Kentucky

🦃 This Month in Georgetown – November

🚗 Deer and darker drives: Clocks fall back November 1, so early and late shift drives on I-75, US-25, US-460 and US-62 happen in the dark during peak deer season. Comprehensive coverage typically handles deer hits; liability-only does not.

❄️ Freeze prep: Insulate exposed pipes, disconnect hoses and service your furnace before the first hard freeze. Frozen pipes are one of the most common winter claims we see.

❤️ Benefits season: Many Scott County employers hold benefits enrollment this time of year, and anyone turning 65 should be looking at Medigap and supplemental plans. It’s a good time to check whether your life and health coverage still fits.

🚗 Auto Insurance in Georgetown, KY Car, truck, motorcycle, RV, boat and classic car coverage for Scott County drivers, whether you commute down I-75 to Lexington, drive to an early shift or just added a teen driver from Scott County High or Great Crossing High. We review liability limits, comprehensive and collision, uninsured motorist and deductibles, and look for every discount you qualify for.

🏡 Home, Condo & Renters Insurance Scott County is one of Kentucky’s fastest-growing counties, and we insure everything from historic homes downtown to new subdivisions, Cherry Blossom and Canewood, condos, rentals and apartments near Georgetown College. Living near North Elkhorn Creek or other low-lying areas? Standard homeowners policies don’t cover flood, so ask us about your options.

🏭 Toyota, Manufacturing & Plant Employees Georgetown is home to Toyota’s largest plant and dozens of suppliers, and we work with plant employees every day. Life insurance through work is often a multiple of salary that falls short of what a family needs, and it may not follow you if you change jobs. We help you see the gap, review disability coverage and plan for the future.

❤️ Life Insurance Term, whole for Georgetown families. We help you figure out how much coverage you actually need to protect your income, your home and your kids’ future, with no pressure.

🩺 Health Insurance & Supplemental Plans Individual health coverage, plus Medigap and supplemental plans for Scott County residents turning 65. We sit down with you and compare options in plain language.

💼 Business Insurance Business owners policies, general liability, commercial auto and property coverage for contractors, manufacturing suppliers, restaurants and shops downtown, professional offices and service businesses across Georgetown and Central Kentucky.

About Steve Woodrum State Farm – Georgetown I’ve spent about 30 years in insurance and financial services, starting on the corporate side of State Farm before opening my own agency more than 25 years ago. Georgetown is our flagship office, and our team lives, works and raises families right here in Scott County.

Our approach is simple: get to know you, look at the whole picture (your cars, your home, your family and your future) and build coverage that actually fits. Nearly 1,000 Google reviews later, that approach is working, and we don’t take it lightly.

Our Georgetown office serves Scott, Fayette, Bourbon, Harrison, Woodford and Franklin County, and our Frankfort office on Versailles Road lets us serve even more families and businesses across Central Kentucky. We’re also licensed in Indiana, Ohio, Tennessee, Virginia and West Virginia, so we can often keep helping if you or your kids move out of state.

Click, call or stop by our Georgetown office at 102 Finley Drive, Suite 80 (just look for the giant American flag), and let our team help you build a plan around what’s important to you.

Awards & Recognition

• In more than 25 years and two offices, we’ve collected our share of plaques, trophies and club qualifications. Truthfully, most of them wouldn’t mean much to anyone outside of State Farm, and a few barely make sense to us. If you’re curious, just ask. We’ll be happy to brag a little.

Frequently Asked Questions (FAQs)

Where is a State Farm agent in Georgetown, KY? Steve Woodrum State Farm is at 102 Finley Drive, Suite 80, Georgetown, KY 40324, behind Dairy Queen and Taco Bell and in front of Camping World. Look for the giant American flag. We serve Georgetown, Scott County and north Lexington.

I work at Toyota. Is the life insurance through my job enough? For most families, no. Life insurance through work is usually a set amount or a multiple of salary, and it may end or change if you change jobs or your benefits change. Our Georgetown team can compare what you have with what your family would actually need.

How do I get a car insurance quote in Georgetown, KY? Request a quote online, call our Georgetown office or stop by 102 Finley Drive. We’ll go over your vehicles, drivers and coverage needs and look for every discount you may qualify for.

How much car insurance does Kentucky require? Kentucky’s minimum is $25,000 per person and $50,000 per accident in bodily injury liability, $25,000 in property damage liability and $10,000 in Personal Injury Protection (PIP), since Kentucky is a no-fault state. Those minimums are rarely enough to protect a homeowner after a serious accident, so we’ll help you pick limits that fit.

Does commuting to Lexington affect my car insurance? How you use your vehicle and how far you drive can affect your rate. Let us know if your commute changes, whether you start driving to Lexington, switch shifts or start working from home, so your policy stays accurate.

I’m buying a home in Scott County. When do I need homeowners insurance? Before closing. Your lender will need proof of coverage, so call us as soon as you have a contract. We’ll quote it, bundle it with your auto if it saves you money, and get your lender what they need.

Does homeowners insurance cover Elkhorn Creek flooding? No. Standard homeowners and renters policies don’t cover flood damage. Flood coverage is a separate policy with a waiting period before it takes effect, so don’t wait until the water is rising.

When should I add my teen driver? Call us when your teen gets a learner’s permit so we can make sure they’re properly covered. Ask about good student and driver training discounts that may help offset the cost.

Does car insurance cover hitting a deer in Kentucky? Hitting a deer is typically covered under comprehensive coverage, not collision. If you carry liability only, damage to your own vehicle generally isn’t covered.

Do Georgetown College students need renters insurance? Renters insurance helps protect belongings and provides liability coverage, often for less than people expect. Some students have limited coverage under a parent’s policy, so it’s worth checking.

When should I look at Medigap coverage? A good time is usually your Medigap open enrollment period, the six months that start when you’re 65 and enrolled in Part B. That’s when you generally have the most options.

Do you insure small businesses in Georgetown? Yes. We work with contractors, manufacturing suppliers, restaurants, retailers, professional offices and service businesses across Georgetown and Central Kentucky on liability, property, commercial auto and business owners policies.

Can you still help if I move out of Kentucky? We’re licensed in Kentucky, Indiana, Ohio, Tennessee, Virginia and West Virginia, so in many cases we can keep helping your family after a move.