Buy Cheap Louisville, OH Auto Insurance (2021)

Louisville, OH auto insurance rates average $230 a month. Minimum auto insurance requirements in Louisville, Ohio are 25/50/25 to comply with Ohio laws. To buy cheap auto insurance in Louisville, OH, 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

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in Louisville after a DUI is Liberty Mutual
  • The most expensive auto insurance company in Louisville is Liberty Mutual
  • Average auto insurance rates in Louisville, OH for teens drivers are $5,711/year

Finding affordable Louisville, Ohio auto insurance can be challenging, but everything you need to know to buy cheap Louisville, OH 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, OH car insurance rates compare to Cincinnati auto insurance rates, Cleveland auto insurance rates, and Parma auto insurance rates before you read more about the cost of auto insurance in Louisville.

Don’t buy Louisville, OH auto insurance until you’ve compared rates. Get free Louisville, Ohio auto insurance quotes when you enter your ZIP code above.

Louisville, OH Minimum Auto Insurance Requirements

The required auto insurance in Louisville, OH is 25/50/25 according to the auto insurance laws in Ohio. The minimum auto insurance in Louisville, Ohio is outlined here.

Minimum Required Auto Insurance Coverage in Louisville, Ohio

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, OH Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Louisville, OH. Take a look at Louisville, Ohio auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Louisville, Ohio

Insurance Company Poor Fair Good
Allstate $4,015 $2,921 $2,438
American Family $1,823 $1,242 $1,050
Farmers $3,725 $3,153 $3,002
GEICO $2,165 $1,806 $1,447
Liberty Mutual $6,177 $3,792 $2,974
Nationwide $3,963 $3,193 $2,695
Progressive $3,748 $3,252 $3,044
State Farm $3,655 $2,259 $1,780
Travelers $3,184 $2,776 $2,595
USAA $2,119 $1,500 $1,278

Buy Cheap Louisville, OH Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Louisville, Ohio auto insurance rates? Find out how car insurance rates in Louisville, OH are impacted by demographics.

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

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 $2,093 $2,087 $1,888 $2,020 $5,771 $6,594 $2,197 $2,345
American Family $857 $888 $782 $785 $2,634 $2,853 $1,060 $1,114
Farmers $1,728 $1,725 $1,520 $1,604 $7,743 $8,058 $1,939 $2,027
GEICO $1,298 $1,263 $1,226 $1,246 $3,504 $3,256 $1,442 $1,216
Liberty Mutual $2,009 $2,195 $1,543 $1,884 $10,534 $11,895 $2,131 $2,324
Nationwide $2,185 $2,195 $1,972 $1,985 $5,625 $7,246 $2,340 $2,722
Progressive $1,705 $1,599 $1,422 $1,468 $7,737 $8,708 $2,037 $2,107
State Farm $1,523 $1,523 $1,369 $1,369 $4,846 $6,088 $1,771 $2,030
Travelers $1,307 $1,327 $1,297 $1,293 $5,670 $9,011 $1,362 $1,547
USAA $988 $997 $939 $939 $3,048 $3,396 $1,325 $1,424

Buy Cheap Louisville, OH 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, OH are listed here.

Annual Auto Insurance Rates for Teen Drivers in Louisville, Ohio

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,771 $6,594
American Family $2,634 $2,853
Farmers $7,743 $8,058
GEICO $3,504 $3,256
Liberty Mutual $10,534 $11,895
Nationwide $5,625 $7,246
Progressive $7,737 $8,708
State Farm $4,846 $6,088
Travelers $5,670 $9,011
USAA $3,048 $3,396

Buy Cheap Louisville, OH Auto Insurance for Seniors

You can save on senior auto insurance rates in Louisville, Ohio by comparing Louisville senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Louisville, OH here.

Annual Auto Insurance Rates for Senior Drivers in Louisville, Ohio

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,888 $2,020
American Family $782 $785
Farmers $1,520 $1,604
GEICO $1,226 $1,246
Liberty Mutual $1,543 $1,884
Nationwide $1,972 $1,985
Progressive $1,422 $1,468
State Farm $1,369 $1,369
Travelers $1,297 $1,293
USAA $939 $939

Find Cheap Auto Insurance Rates in Louisville, OH by Coverage Level

The amount of coverage you choose is a big factor in the cost of Louisville, Ohio auto insurance. Compare Louisville, OH auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Louisville, Ohio

Insurance Company Low Medium High
Allstate $3,015 $3,118 $3,241
American Family $1,351 $1,382 $1,382
Farmers $3,117 $3,242 $3,520
GEICO $1,744 $1,798 $1,877
Liberty Mutual $4,139 $4,339 $4,466
Nationwide $3,620 $3,184 $3,048
Progressive $3,208 $3,318 $3,517
State Farm $2,429 $2,574 $2,692
Travelers $2,762 $2,891 $2,902
USAA $1,556 $1,631 $1,710

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Find Cheap Louisville, OH 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, OH by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Louisville, Ohio

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,124 $3,124
American Family $1,356 $1,388
Farmers $3,293 $3,293
GEICO $1,775 $1,838
Liberty Mutual $4,315 $4,315
Nationwide $3,284 $3,284
Progressive $3,348 $3,348
State Farm $2,500 $2,629
Travelers $2,852 $2,852
USAA $1,569 $1,695

Find Cheap Louisville, OH Auto Insurance Rates by Driving Record

Auto insurance rates in Louisville, Ohio are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Louisville, OH, take a look at the average cost for various violations versus rates for a clean driving record in Louisville.

Annual Louisville, Ohio Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,627 $3,180 $3,721 $2,970
American Family $1,315 $1,391 $1,391 $1,391
Farmers $2,715 $3,498 $3,411 $3,548
GEICO $1,223 $1,768 $2,577 $1,657
Liberty Mutual $3,622 $4,657 $4,753 $4,226
Nationwide $2,633 $3,347 $4,244 $2,910
Progressive $2,884 $3,932 $3,074 $3,500
State Farm $2,332 $2,798 $2,565 $2,565
Travelers $2,106 $2,738 $4,124 $2,439
USAA $1,249 $1,676 $2,216 $1,386

Find Cheap Louisville, OH Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Louisville, Ohio 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, OH auto insurance companies.

Annual Auto Insurance Rates After a DUI in Louisville, Ohio

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,721
American Family $1,391
Farmers $3,411
GEICO $2,577
Liberty Mutual $4,753
Nationwide $4,244
Progressive $3,074
State Farm $2,565
Travelers $4,124
USAA $2,216

Winners by Category: Where to Buy Cheap Auto Insurance in Louisville, OH

Compare rates from the cheapest auto insurance companies in Louisville, OH for your needs. Take a look at how Louisville, Ohio auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Louisville, Ohio

Category Insurance Company
Teenagers American Family
Seniors American Family
Clean Record GEICO
With 1 Accident American Family
With 1 DUI American Family
With 1 Speeding Violation USAA

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Find Cheap Louisville, Ohio Auto Insurance Companies

If you’re looking for the cheapest Louisville, OH auto insurance companies overall, you can compare them here. Find the best price for Louisville, Ohio car insurance by company.

Average Annual Auto Insurance Rates by Company in Louisville, Ohio

Insurance Company Average Annual Rates
Allstate $3,124
American Family $1,372
Farmers $3,293
GEICO $1,806
Liberty Mutual $4,315
Nationwide $3,284
Progressive $3,348
State Farm $2,565
Travelers $2,852
USAA $1,632

What affects Louisville, Ohio auto insurance rates?

Local factors affect auto insurance rates in Louisville, OH, including traffic, theft statistics, and commute length. Take a look at the things that impact Louisville auto insurance rates.

Auto Theft in Louisville

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Louisville, OH auto theft show a total of 4 vehicle thefts annually.

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, OH is 24.0 minutes according to City-Data.

Traffic in Louisville

How is traffic in Louisville, Ohio? Inrix data shows that Louisville, OH traffic makes it the 597th-most congested city compared to other cities worldwide.

Compare Auto Insurance Quotes in Louisville, OH

You can buy cheap Louisville, OH auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Louisville, Ohio auto insurance quotes from top companies.

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