🏛️ Your Frankfort, KY State Farm Agent – Steve Woodrum 🏛️
Steve Woodrum State Farm is a local insurance agency at 331 Versailles Road in Frankfort, Kentucky, minutes from downtown, the State Capitol, Kentucky State University and the state office buildings. We help families, state employees, seniors and local businesses across Frankfort and Franklin County with auto, home, renters, condo, life, health and business insurance, plus financial services.
📍 331 Versailles Road, Frankfort, KY 40324
Corner of Sunset and across Versailles Road from East Side Kroger
⭐ Nearly 1,000 Google reviews across our Frankfort and Georgetown offices
🗺️ Serving Frankfort, Franklin County, Versailles, Midway, Lawrenceburg, Georgetown, Shelbyville, Owenton, Lexington and communities throughout Central Kentucky
🦃 This Month in Frankfort – November
🚗 Deer season and darker drives: Clocks fall back November 1, and November is peak season for deer collisions in Kentucky. 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: State employees are reviewing benefits 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 Frankfort, KY Car, truck, motorcycle, RV, boat and classic car coverage for drivers across Franklin County. We review liability limits, comprehensive and collision, uninsured motorist and deductibles, and look for every discount you qualify for, including bundling with home or renters.
🏡 Home, Condo & Renters Insurance Coverage for everything from historic homes in South Frankfort and Bellepoint to newer neighborhoods off the East-West Connector, condos, rentals and apartments near downtown and KSU. Living near the Kentucky River or Benson Creek? Standard homeowners policies don’t cover flood, so ask us about your options.
🏛️ Kentucky State Employees & Teachers Frankfort runs on state Employees, and we work with state employees and teachers every day. Life insurance through work is often a multiple of salary that falls short of what a family needs, and it may change or end when you leave the State. We help you see the gap, review disability and supplemental coverage, and plan ahead for your health coverage at 65.
❤️ Life Insurance Term, and whole for Frankfort 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 Franklin 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, retailers, restaurants, professional offices and service businesses in Frankfort and across Central Kentucky.
About Steve Woodrum State Farm – Frankfort 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. Today we have two offices, in Frankfort and Georgetown, and a team that lives and works right here in Central Kentucky.
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 Frankfort office serves Franklin, Woodford, Anderson, Shelby, Owen and Scott County, including Bellepoint, South Frankfort, Tanglewood, Indian Hills, Bridgeport, Jett, Peaks Mill, Switzer and Bald Knob. 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 Frankfort office at 331 Versailles Road, 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 near downtown Frankfort and the state office buildings? Steve Woodrum State Farm is at 331 Versailles Road in Frankfort, KY 40324, a few minutes from downtown, the Capitol, Kentucky State University and the state office buildings. Stop by, call or request a quote online.
Can I reach a Frankfort insurance agent after work? Yes. We know a lot of Frankfort works state hours, so our team keeps answering the phone after 4:30. Call on your way home from work, or request a quote online anytime and we’ll follow up.
How do I get a car insurance quote in Frankfort, KY? Request a quote online, call our Frankfort office or stop by on Versailles Road. We’ll go over your vehicles, drivers and coverage needs and look for every discount you may qualify for.
What is the minimum car insurance required in Kentucky? Kentucky requires liability coverage of at least $25,000 per person and $50,000 per accident for bodily injury, $25,000 for property damage, plus $10,000 in Personal Injury Protection (PIP) because Kentucky is a no-fault state. State minimums are often not enough to protect your assets after a serious accident, so we’ll help you choose limits that fit.
Can I save by bundling home and auto insurance in Frankfort? Bundling auto with homeowners, renters or condo insurance is one of the most common ways to save. We’ll also review other discounts and your deductibles to find savings you may be missing.
I’m a Kentucky state employee. Is the life insurance through my job enough? For most families, no. Life insurance through state employment is usually a set amount or a multiple of salary, and it may change or end when you leave the State. Our Frankfort team can compare what you have with what your family would actually need.
I have state health benefits and I’m turning 65. What should I look at? Health benefits through KPPA or KTRS vary depending on your system, age and years of service. We can help you understand how your options fit together and whether a Medigap or other supplemental plan makes sense for you.
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.
Does homeowners insurance cover Kentucky River 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 river is rising.
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 Kentucky State University 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.
How soon can my insurance coverage start? Auto insurance can often begin the same day, depending on your situation, eligibility and policy approval. We’ll tell you exactly when your coverage takes effect.
Do you insure small businesses in Frankfort? Yes. We work with contractors, retailers, restaurants, professional offices and service businesses across Frankfort 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.
