Buy Cheap Louisville, KY Auto Insurance in 2023
Louisville, KY auto insurance rates average $461 a month. Minimum auto insurance requirements in Louisville, Kentucky are 25/50/25 to comply with Kentucky laws. To buy cheap auto insurance in Louisville, KY, compare Louisville auto insurance quotes from top companies.
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Laura Gunn
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Insurance and Finance Writer
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Average auto insurance rates in Louisville, KY are $461/month
- The most expensive auto insurance company in Louisville is Allstate
- The most expensive auto insurance company in Louisville after a DUI is Geico
Finding affordable Louisville, Kentucky auto insurance can be challenging, but everything you need to know to buy cheap Louisville, KY auto insurance with confidence is right here. Auto insurance rates in Louisville are affected by local factors as well as personal ones like your driving record.
See how Louisville, KY car insurance rates compare to Richmond auto insurance rates, Frankfort auto insurance rates, and Nicholasville auto insurance rates before you read more about the cost of auto insurance in Louisville.
Don’t buy Louisville, KY auto insurance until you’ve compared rates. Get free Louisville, Kentucky auto insurance quotes when you enter your ZIP code above.
Louisville, KY Minimum Auto Insurance Requirements
The required auto insurance in Louisville, KY is 25/50/25 according to the auto insurance laws in Kentucky. The minimum auto insurance in Louisville, Kentucky is outlined here.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Find Cheap Louisville, KY Auto Insurance by Credit History
Your credit can have an impact on what you pay for auto insurance in Louisville, KY. Take a look at Louisville, Kentucky auto insurance rates by credit history.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $10,034 | $6,851 | $5,670 |
| Geico | $9,054 | $4,520 | $2,943 |
| Liberty Mutual | $8,340 | $5,142 | $4,045 |
| Nationwide | $7,100 | $5,580 | $4,829 |
| Progressive | $7,449 | $6,526 | $6,092 |
| State Farm | $4,854 | $2,937 | $2,295 |
| Travelers | $6,970 | $5,917 | $5,899 |
| USAA | $4,714 | $2,679 | $2,193 |
Buy Cheap Louisville, KY Auto Insurance by Age, Gender, and Marital Status
Do age, gender, and marital status affect Louisville, Kentucky auto insurance rates? Find out how car insurance rates in Louisville, KY are impacted by demographics.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $4,282 | $4,224 | $3,916 | $4,168 | $16,031 | $17,972 | $4,668 | $4,886 |
| Geico | $4,348 | $4,020 | $4,581 | $4,149 | $9,387 | $11,000 | $3,533 | $3,025 |
| Liberty Mutual | $3,114 | $3,372 | $2,663 | $2,979 | $13,340 | $14,741 | $3,225 | $3,306 |
| Nationwide | $4,115 | $4,076 | $3,710 | $3,854 | $9,531 | $11,794 | $4,708 | $4,902 |
| Progressive | $3,134 | $2,958 | $2,840 | $2,844 | $15,930 | $18,002 | $3,887 | $3,916 |
| State Farm | $2,176 | $2,176 | $1,927 | $1,927 | $5,982 | $7,629 | $2,423 | $2,657 |
| Travelers | $2,562 | $2,605 | $2,536 | $2,540 | $13,020 | $21,080 | $2,689 | $3,064 |
| USAA | $2,105 | $2,098 | $1,917 | $1,935 | $5,836 | $6,114 | $2,656 | $2,899 |
Buy Cheap Louisville, KY Auto Insurance for Teen Drivers
Auto insurance for teenagers in Louisville can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Louisville, KY are listed here.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $16,031 | $17,972 |
| Geico | $9,387 | $11,000 |
| Liberty Mutual | $13,340 | $14,741 |
| Nationwide | $9,531 | $11,794 |
| Progressive | $15,930 | $18,002 |
| State Farm | $5,982 | $7,629 |
| Travelers | $13,020 | $21,080 |
| USAA | $5,836 | $6,114 |
Buy Cheap Louisville, KY Auto Insurance for Seniors
You can save on senior auto insurance rates in Louisville, Kentucky by comparing Louisville senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Louisville, KY here.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $3,916 | $4,168 |
| Geico | $4,581 | $4,149 |
| Liberty Mutual | $2,663 | $2,979 |
| Nationwide | $3,710 | $3,854 |
| Progressive | $2,840 | $2,844 |
| State Farm | $1,927 | $1,927 |
| Travelers | $2,536 | $2,540 |
| USAA | $1,917 | $1,935 |
Find Cheap Auto Insurance Rates in Louisville, KY by Coverage Level
The amount of coverage you choose is a big factor in the cost of Louisville, Kentucky auto insurance. Compare Louisville, KY auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $6,763 | $7,472 | $8,319 |
| Geico | $5,058 | $5,509 | $5,950 |
| Liberty Mutual | $5,502 | $5,798 | $6,228 |
| Nationwide | $5,861 | $5,769 | $5,879 |
| Progressive | $6,017 | $6,564 | $7,486 |
| State Farm | $3,140 | $3,360 | $3,586 |
| Travelers | $5,900 | $6,289 | $6,597 |
| USAA | $3,012 | $3,187 | $3,386 |
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Find Cheap Louisville, KY Auto Insurance Rates by Commute
How long you’re in your car each day affects the cost of auto insurance in Louisville. Compare auto insurance rates in Louisville, KY by commute length to see how your daily commute impacts your rates.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $7,518 | $7,518 |
| Geico | $5,454 | $5,557 |
| Liberty Mutual | $5,842 | $5,842 |
| Nationwide | $5,836 | $5,836 |
| Progressive | $6,689 | $6,689 |
| State Farm | $3,275 | $3,449 |
| Travelers | $6,262 | $6,262 |
| USAA | $3,075 | $3,315 |
Find Cheap Louisville, KY Auto Insurance Rates by ZIP Code
Auto insurance rates in Louisville, Kentucky can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Louisville, KY to see how much where you live in Louisville affects the cost of car insurance.
| ZIP Code | Average Annual Rates |
|---|---|
| 40059 | $4,166 |
| 40202 | $5,089 |
| 40203 | $5,748 |
| 40204 | $4,857 |
| 40205 | $4,151 |
| 40206 | $4,270 |
| 40207 | $4,003 |
| 40208 | $5,469 |
| 40209 | $5,420 |
| 40210 | $5,878 |
| 40211 | $5,826 |
| 40212 | $5,875 |
| 40213 | $4,764 |
| 40214 | $4,987 |
| 40215 | $5,603 |
| 40216 | $4,885 |
| 40217 | $5,069 |
| 40218 | $4,612 |
| 40219 | $4,669 |
| 40220 | $4,225 |
| 40222 | $4,006 |
| 40223 | $3,952 |
| 40228 | $4,413 |
| 40229 | $4,666 |
| 40241 | $4,181 |
| 40243 | $4,043 |
| 40245 | $4,171 |
| 40258 | $4,672 |
| 40272 | $4,578 |
| 40291 | $4,337 |
| 40293 | $5,368 |
| 40299 | $4,064 |
Find Cheap Louisville, KY Auto Insurance Rates by Driving Record
Auto insurance rates in Louisville, Kentucky are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Louisville, KY, take a look at the average cost for various violations versus rates for a clean driving record in Louisville.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $6,230 | $8,122 | $8,687 | $7,034 |
| Geico | $3,286 | $5,838 | $8,870 | $4,027 |
| Liberty Mutual | $4,859 | $7,515 | $5,825 | $5,172 |
| Nationwide | $4,605 | $6,009 | $7,642 | $5,088 |
| Progressive | $5,516 | $8,254 | $6,285 | $6,700 |
| State Farm | $3,102 | $3,622 | $3,362 | $3,362 |
| Travelers | $5,451 | $5,604 | $8,153 | $5,840 |
| USAA | $2,397 | $3,398 | $4,090 | $2,896 |
Find Cheap Louisville, KY Auto Insurance Rates After a DUI
The cost of DUI auto insurance in Louisville, Kentucky is higher than for a clean driving record. You can buy auto insurance after a DUI in Louisville for less when you shop around and compare rates from multiple Louisville, KY auto insurance companies.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $8,687 |
| Geico | $8,870 |
| Liberty Mutual | $5,825 |
| Nationwide | $7,642 |
| Progressive | $6,285 |
| State Farm | $3,362 |
| Travelers | $8,153 |
| USAA | $4,090 |
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Winners by Category: Where to Buy Cheap Auto Insurance in Louisville, KY
Compare rates from the cheapest auto insurance companies in Louisville, KY for your needs. Take a look at how Louisville, Kentucky auto insurance companies stack up for each category.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
Find Cheap Louisville, Kentucky Auto Insurance Companies
If you’re looking for the cheapest Louisville, KY auto insurance companies overall, you can compare them here. Find the best price for Louisville, Kentucky car insurance by company.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $7,518 |
| Geico | $5,505 |
| Liberty Mutual | $5,842 |
| Nationwide | $5,836 |
| Progressive | $6,689 |
| State Farm | $3,362 |
| Travelers | $6,262 |
| USAA | $3,195 |
What affects Louisville, Kentucky auto insurance rates?
Local factors affect auto insurance rates in Louisville, KY, including traffic, theft statistics, and commute length. Take a look at the things that impact Louisville auto insurance rates.
Commute Times in Louisville
Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Louisville, KY is 22.8 minutes according to City-Data.
Traffic in Louisville
How is traffic in Louisville, Kentucky? Inrix data shows that Louisville, KY traffic makes it the 597th-most congested city compared to other cities worldwide.
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Compare Auto Insurance Quotes in Louisville, KY
You can buy cheap Louisville, KY auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Louisville, Kentucky auto insurance quotes from top companies.
Frequently Asked Questions
What factors can affect the cost of auto insurance in Louisville, KY?
Several factors can impact the cost of auto insurance in Louisville, KY. These factors include your age, driving record, type of vehicle, coverage options selected, deductible amount, and the level of risk associated with the area where you live. Insurance companies also consider factors such as local crime rates, population density, and the frequency of accidents in the area.
Are there any specific discounts available for auto insurance in Louisville, KY?
Yes, there are various discounts available for auto insurance in Louisville, KY. Common discounts include safe driver discounts, multi-policy discounts (if you have multiple insurance policies with the same company), multi-car discounts (if you insure more than one vehicle with the same company), and discounts for safety features or anti-theft devices installed in your vehicle. It’s recommended to inquire with insurance providers about the specific discounts they offer.
How can I find cheap auto insurance in Louisville, KY?
To find cheap auto insurance in Louisville, KY, it’s advisable to shop around and compare quotes from different insurance providers. You can reach out to local insurance agents, use online insurance comparison tools, or consult with an insurance broker who can help you find the best rates. It’s important to consider both the price and the coverage options provided to ensure you get the most suitable insurance for your needs.
Are there any Louisville, KY-specific insurance considerations I should be aware of?
While there may not be Louisville, KY-specific insurance considerations, it’s essential to be aware of the requirements and regulations set by the state of Kentucky. Kentucky requires drivers to carry liability insurance coverage with minimum limits. Additionally, factors such as local weather conditions, road infrastructure, and traffic patterns in the Louisville area may indirectly impact insurance rates.
What are the recommended coverage options for auto insurance in Louisville, KY?
The recommended coverage options for auto insurance in Louisville, KY include liability coverage, personal injury protection (PIP), uninsured/underinsured motorist coverage, collision coverage, and comprehensive coverage. Liability coverage helps cover costs if you are at fault in an accident that causes injury or property damage to others. PIP provides coverage for medical expenses and lost wages for you and your passengers. Uninsured/underinsured motorist coverage protects you if you’re in an accident with a driver who has insufficient insurance. Collision coverage helps pay for damages to your vehicle in a collision, while comprehensive coverage protects your vehicle from non-collision incidents such as theft, vandalism, or natural disasters.
How can I lower my auto insurance premium in Louisville, KY?
There are several ways to potentially lower your auto insurance premium in Louisville, KY. These include maintaining a clean driving record, opting for a higher deductible (if financially feasible), bundling your auto insurance with other policies, taking advantage of available discounts, and completing defensive driving courses. Additionally, some insurance providers offer usage-based or pay-as-you-go insurance programs that reward safe driving habits.
Is it possible to find affordable auto insurance in Louisville, KY?
Yes, it is possible to find affordable auto insurance in Louisville, KY. By shopping around, comparing quotes, and exploring available discounts, you can find insurance coverage that fits your budget. It’s important to consider factors beyond price, such as coverage limits and customer service, to ensure you have adequate protection in case of an accident or other unforeseen events.
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Laura Gunn
Insurance and Finance Writer
Laura Gunn is a former teacher who uses her passion for writing and learning to help others make the best decisions regarding finance and insurance. After stepping away from the classroom, Laura used her skills to write across many different industries including insurance, finance, real estate, home improvement, and healthcare. Her experience in various industries has helped develop both her ...
Insurance and Finance Writer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.