Derek Carlton

Hi, I’m Derek Carlton, your local State Farm Insurance Agent here in Louisville, KY. I opened my office in October 2020 after gaining hands-on experience as a team member at another State Farm agency, which gave me a strong foundation in helping customers understand their coverage options and feel confident in their decisions.

Before entering the insurance industry, I earned a degree in public health from Union College in Barbourville, Kentucky, and spent nearly a decade working with the Florida Department of Health. I also gained experience in the automotive industry, which reinforced my interest in problem-solving and working directly with people. Ultimately, I was drawn to a career where I could make a meaningful impact and serve my community through protection and preparation.

Helping people protect what matters most is what motivates me every day. My team and I assist with Auto, Home, Renters, Life, and Business Insurance, focusing on clear communication and coverage that reflects each customer’s individual needs. With more than nine years of combined insurance experience, we proudly serve individuals, families, and businesses throughout Kentucky and Indiana, including Louisville, Lyndon, Clarksville, Jeffersonville, New Albany, and Sellersburg.

Outside the office, I enjoy running, cycling, mountain biking, clay shooting, and spending time with family and friends. I’m also a lifelong car enthusiast, whether that means attending car shows, talking shop, or keeping up with the latest models.

At Derek Carlton State Farm Insurance, we’re committed to building lasting relationships and providing dependable service every step of the way. Stop by our office at 3920 Ruckriegel Pkwy, Suite 108, in Louisville, KY, or reach out to start a conversation about your insurance needs.

Frequently Asked Questions (FAQs):

Q: How can I compare auto insurance quotes?

A: Getting car insurance quotes is simple—you can start online, over the phone, or by working with a local agent. Quotes are typically based on factors like your vehicle, driving history, and coverage preferences, helping you explore options that fit your needs. Derek, your local State Farm agent in Louisville, KY, is here to help.

Q: How soon can I get insured for my car?

A: Car insurance coverage can often start the same day, depending on your situation. Derek is here to help your Louisville household feel covered.

Q: What coverage is required when leasing a car?

A: Leased cars typically require liability, comprehensive, and collision coverage, and the leasing company may need to be listed on your policy. Looking for coverage? Talk with Derek about your options in Louisville.

Q: Is homeowners insurance required?

A: Whether homeowners insurance is required depends on your situation and may vary by state. If you have home financing, your lender will likely require it. Even if it's not required, many people choose to have coverage to help protect their home and everything that comes with it. Derek is proud to serve the Louisville community.

Q: How does life insurance work at a basic level?

A: Life insurance helps provide financial support to your beneficiaries and can help cover expenses like debts, living costs, or future needs. Serving Louisville and the surrounding area, Derek can help answer your questions.

Q: What exactly is renters insurance and how does it work?

A: Renters insurance is a simple way to help protect your personal belongings and provide liability coverage while you're renting. Since your landlord's policy typically covers the building itself, this type of coverage is designed to help protect you and the things you own. Have questions? Derek in Louisville can walk you through your options.