Buy Cheap Louisville, KY Auto Insurance (2022)

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Mar 15, 2022

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A Concise Overview

  • 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.

Minimum Required Auto Insurance Coverage in Louisville, Kentucky

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.

Annual Auto Insurance Rates by Credit Score in Louisville, Kentucky

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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Louisville, Kentucky

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.

Annual Auto Insurance Rates for Teen Drivers in Louisville, Kentucky

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.

Annual Auto Insurance Rates for Senior Drivers in Louisville, Kentucky

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.

Annual Auto Insurance Rates by Coverage Level in Louisville, Kentucky

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.

Annual Auto Insurance Rates by Commute Length in Louisville, Kentucky

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.

Annual Auto Insurance Rates by ZIP Code in Louisville, Kentucky

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.

Annual Louisville, Kentucky Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Louisville, Kentucky

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.

Best Annual Auto Insurance Rates by Company in Louisville, Kentucky

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.

Average Annual Auto Insurance Rates by Company in Louisville, Kentucky

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.

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