Buy Cheap Louisville, TN Auto Insurance (2021)

Louisville, TN auto insurance rates average $277 a month. Minimum auto insurance requirements in Louisville, Tennessee are 25/50/15 to comply with Tennessee laws. To buy cheap auto insurance in Louisville, TN, compare Louisville auto insurance quotes from top companies.

Compare Quotes Now

 Secured with SHA-256 Encryption

    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 ...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

Advertiser Disclosure

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.

A Concise Overview

  • Average auto insurance rates in Louisville, TN for teens drivers are $6,770/year
  • Average auto insurance rates in Louisville, TN are $277/month
  • The most expensive auto insurance company in Louisville after a DUI is Liberty Mutual

Finding affordable Louisville, Tennessee auto insurance can be challenging, but everything you need to know to buy cheap Louisville, TN 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, TN car insurance rates compare to Murfreesboro auto insurance rates, Bartlett auto insurance rates, and Knoxville auto insurance rates before you read more about the cost of auto insurance in Louisville.

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

Louisville, TN Minimum Auto Insurance Requirements

The required auto insurance in Louisville, TN is 25/50/15 according to the auto insurance laws in Tennessee. The minimum auto insurance in Louisville, Tennessee is outlined here.

Minimum Required Auto Insurance Coverage in Louisville, Tennessee

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Louisville, TN Auto Insurance by Credit History

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

Annual Auto Insurance Rates by Credit Score in Louisville, Tennessee

Insurance Company Poor Fair Good
Allstate $5,918 $4,534 $3,467
Farmers $4,137 $3,243 $3,067
GEICO $3,355 $2,877 $2,647
Liberty Mutual $9,148 $5,625 $4,400
Nationwide $4,406 $3,492 $3,092
Progressive $3,833 $3,311 $3,096
State Farm $4,031 $2,417 $1,877
Travelers $3,851 $3,009 $2,197
USAA $3,878 $2,275 $1,877

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

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

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

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 $2,689 $2,581 $2,418 $2,511 $10,099 $10,984 $2,866 $2,968
Farmers $1,826 $1,859 $1,637 $1,799 $7,583 $8,059 $2,474 $2,622
GEICO $1,936 $1,949 $1,778 $1,778 $6,064 $6,153 $1,978 $2,042
Nationwide $2,329 $2,347 $2,084 $2,117 $6,478 $8,356 $2,683 $2,913
Progressive $1,732 $1,630 $1,414 $1,476 $7,854 $8,835 $2,087 $2,277
State Farm $1,652 $1,652 $1,506 $1,506 $5,260 $6,568 $1,874 $2,180
Travelers $1,966 $2,073 $1,771 $1,888 $5,430 $6,713 $2,100 $2,212
USAA $1,508 $1,533 $1,362 $1,361 $5,395 $6,191 $1,968 $2,095

Buy Cheap Louisville, TN 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, TN are listed here.

Annual Auto Insurance Rates for Teen Drivers in Louisville, Tennessee

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,099 $10,984
Farmers $7,583 $8,059
GEICO $6,064 $6,153
Nationwide $6,478 $8,356
Progressive $7,854 $8,835
State Farm $5,260 $6,568
Travelers $5,430 $6,713
USAA $5,395 $6,191

Buy Cheap Louisville, TN Auto Insurance for Seniors

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

Annual Auto Insurance Rates for Senior Drivers in Louisville, Tennessee

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,418 $2,511
Farmers $1,637 $1,799
GEICO $1,778 $1,778
Nationwide $2,084 $2,117
Progressive $1,414 $1,476
State Farm $1,506 $1,506
Travelers $1,771 $1,888
USAA $1,362 $1,361

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

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

Annual Auto Insurance Rates by Coverage Level in Louisville, Tennessee

Insurance Company Low Medium High
Allstate $4,477 $4,629 $4,813
Farmers $3,284 $3,466 $3,697
GEICO $2,809 $2,953 $3,117
Liberty Mutual $6,100 $6,391 $6,682
Nationwide $3,698 $3,585 $3,707
Progressive $3,194 $3,416 $3,629
State Farm $2,598 $2,790 $2,937
Travelers $2,849 $3,018 $3,190
USAA $2,592 $2,667 $2,771

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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

Annual Auto Insurance Rates by Commute Length in Louisville, Tennessee

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,640 $4,640
Farmers $3,482 $3,482
GEICO $2,939 $2,981
Liberty Mutual $6,391 $6,391
Nationwide $3,663 $3,663
Progressive $3,413 $3,413
State Farm $2,707 $2,842
Travelers $2,900 $3,139
USAA $2,602 $2,752

Find Cheap Louisville, TN Auto Insurance Rates by Driving Record

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

Annual Louisville, Tennessee Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,884 $4,630 $5,600 $4,445
Farmers $2,974 $3,683 $3,771 $3,501
GEICO $2,165 $2,884 $4,625 $2,165
Liberty Mutual $5,181 $7,480 $6,948 $5,956
Nationwide $3,167 $3,167 $4,765 $3,554
Progressive $3,007 $3,905 $3,201 $3,538
State Farm $2,516 $3,033 $2,775 $2,775
Travelers $2,448 $3,147 $3,469 $3,012
USAA $1,946 $2,918 $3,428 $2,414

Find Cheap Louisville, TN Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Louisville, Tennessee 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, TN auto insurance companies.

Annual Auto Insurance Rates After a DUI in Louisville, Tennessee

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $5,600
Farmers $3,771
GEICO $4,625
Liberty Mutual $6,948
Nationwide $4,765
Progressive $3,201
State Farm $2,775
Travelers $3,469
USAA $3,428

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

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

Best Annual Auto Insurance Rates by Company in Louisville, Tennessee

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident GEICO
With 1 DUI State Farm
With 1 Speeding Violation GEICO

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Find Cheap Louisville, Tennessee Auto Insurance Companies

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

Average Annual Auto Insurance Rates by Company in Louisville, Tennessee

Insurance Company Average Annual Rates
Allstate $4,640
Farmers $3,482
GEICO $2,960
Nationwide $3,663
Progressive $3,413
State Farm $2,775
Travelers $3,019
USAA $2,677

What affects Louisville, Tennessee auto insurance rates?

Local factors affect auto insurance rates in Louisville, TN, 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, TN is 25.6 minutes according to City-Data.

Traffic in Louisville

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

Compare Auto Insurance Quotes in Louisville, TN

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

Compare Quotes Now

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption