Cheapest Auto Insurance in Louisville, Kentucky (2024)
Auto-Owners offers the cheapest car insurance in Louisville, with minimum-coverage policies as low as $85 per month.
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Written byBob Phillips
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15+ years in personal finance advising and writing
Holds Chartered Life Underwriter (CLU) designation
Bob has spent 15+ years helping people plan their financial lives. As a freelance writer, he’s covered insurance, mutual funds, stocks and bonds, and more.
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Reviewed byDaniel Roccato
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Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Data reviewed byKonstantin Halachev
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7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Updated November 20, 2024
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Table of contents
Liability-only car insurance in Louisville costs an average of $265 per month. Louisville drivers pay much more for liability car insurance than the Kentucky state average of $171 per month and the national average of $104.
The city’s high rate of auto theft likely contributes to the higher costs of car insurance in Louisville.[1]
Comparing quotes can help you find more affordable rates. Here’s what you need to know to find cheap car insurance in Louisville.
Quick Facts
Auto-Owners, State Farm, and GEICO have the cheapest liability insurance in Louisville.
The average cost of full-coverage car insurance in Louisville is $391 per month, which is higher than the state average of $283 and the national average of $204.
Louisville has a high population density of more than 4,000 people per square mile, according to U.S. Census data.[2] Population density can contribute to higher accident rates.
3 of the cheapest car insurance companies in Louisville
Auto-Owners, National General, and State Farm are a few of the best car insurance companies with cheap average rates in Louisville.
When it comes to car insurance, each person has their own needs based on various factors. These factors include age, vehicle type, driving record, coverage limits, chosen deductibles, credit history, marital status, and more. The best car insurance company for you will depend on your specific coverage needs, your budget, and driver profile.
For instance, if you only need liability coverage, Auto-Owners may be the most affordable option. But if you have a DUI on your record or are a teen driver, you may find another company that has cheaper rates.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲ ▼ | Best For ▲▼ |
|---|---|---|---|---|
| Auto-Owners | 8.5 | $104 | $59 | Discounts |
| National General | 6.8 | $144 | $87 | Good drivers |
| State Farm | 9.3 | $109 | $61 | Teens and young drivers |
Best insurer for discounts: Auto-Owners
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $85/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $150/mo |
4.0
Best choiceBased on 141 verified guest reviews and ratings
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
How drivers feel about Auto-Owners
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Cheap rates
Senior drivers
Ample discounts
Reviews (89)
Debra
November 3, 2024
Verified Review
Excellent
They keep raising prices.
Scotty
November 2, 2024
Verified Review
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Verified Review
Average
Ask many questions to cover all aspects of the policy.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.5A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
Auto-Owners operates in 26 states, including Kentucky, and sells homeowners, car, life, umbrella, and several other types of insurance through a network of independent agents. Auto-Owners helps drivers save with a range of discounts, including for vehicle safety features, on-time payments, multiple policies, and claims-free history.
Pros
Many policy options and discounts
Rental car coverage includes food and hotel if necessary
Offers multi-policy bundling discount
Cons
Online quotes not available
Below-average J.D. Power customer service rankings in the Southeast
Online chat not available
Best insurer for good drivers: National General
| User Reviews | 3.3 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $124/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $204/mo |
3.3
A solid optionBased on 392 verified guest reviews and ratings
How drivers feel about National General
Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
How drivers feel about National General
Drivers appreciate the initial affordability and good starter options but dislike the frequent and significant price increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
SR-22 insurance
Bundling discounts
Hard-to-insure drivers
Reviews (204)
Jahmon
November 14, 2024
Verified Review
The Greatest
Excellent.
Mike
November 6, 2024
Verified Review
Too expensive
The monthly cost should be lowered.
Javier
November 5, 2024
Verified Review
I switched carriers to get a better rate, but they didn't update my paperwork with the DMV, which resulted in the cancellation of my driver's license. I had to get the paperwork faxed on my own, and it cost $55.00 to reinstate my license. Of course, National General blamed it on my carrier, A.I.S., and A.I.S. blamed it on National General. So, I'm not inclined to praise their treatment of me.
I switched carriers to get a better rate, but they didn't update my paperwork with the DMV, which resulted in the cancellation of my driver's license. I had to get the paperwork faxed on my own, and it cost $55.00 to reinstate my license. Of course, National General blamed it on my carrier, A.I.S., and A.I.S. blamed it on National General. So, I'm not inclined to praise their treatment of me.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
829NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
4.01A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A+Why we picked this company
National General, an Allstate company, sells policies through a network of more than 55,000 local agents. Its DynamicDrive app rewards good drivers with lower rates and even larger discounts at policy renewal. Its mobile app is robust, allowing you to make payments, access policy information, and begin the claims-filing process.
Pros
Some of the lowest full-coverage rates in Louisville
Backed by Allstate’s financial strength
Lifetime repair guarantee if repairs are made at a Gold Medal Repair Shop
Cons
Below-average J.D. Power customer satisfaction rating
Can’t check claim status on mobile app
Not available through Allstate agents
Best insurer for teens and young drivers: State Farm
| User Reviews | 4.2 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $88/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $157/mo |
4.2
Best choiceBased on 9036 verified guest reviews and ratings
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (4,969)
Ronald
November 19, 2024
Verified Review
State Farm Experience: 35 Years+
They are forcing me to replace my house roof or they will cancel my policy.
David
November 19, 2024
Verified Review
Too expensive
It's too expensive. They raise rates every six months, even though I've never filed a claim.
Ronald
November 18, 2024
Verified Review
Very Expensive Auto and Home
Extremely harsh local service.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.78A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
State Farm sells car insurance in all 50 states, plus homeowners, life, and other types of insurance. Teen drivers and their families can find savings opportunities with State Farm’s competitive rates, and its Steer Clear and Drive Safe & Save programs. Steer Clear can help drivers younger than 25 save up to 15% when they meet the program’s qualifications.
Pros
Savings possible via teen and young driver savings programs
Rideshare coverage available
Consistently low rates for good drivers
Cons
Gap insurance not available
Fewer discounts than some competitors
Drivers with violations may pay significantly more
Find Cheap Car Insurance in Louisville
Liability rates start at $85 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
How to get the cheapest car insurance in Louisville
Comparing rates from multiple car insurance companies can help you find the cheapest and best policy available to you. You can also take additional steps to hold rates down, including:
Shop for car insurance before your renewal date. This gives you more time to research your options and find good rates. Plus, many insurers offer discounts for “early bird” shoppers.
Look for discounts for having multiple cars and multiple family members on your policy.
Bundle your auto insurance with renters insurance, life insurance, and a homeowners policy for a bundling discount.
Choose a vehicle with a good safety rating. Insurers often offer discounts for safety equipment and technology.
Maintain a clean driving record.
Review your deductibles and coverage limits. Higher collision and comprehensive deductibles and lower limits will reduce your premium. Just be sure you’re financially able to pay more out of pocket in case of an accident.
Choose a vehicle with safety features and anti-theft devices.
Cheapest liability-only car insurance in Louisville: Auto-Owners
Kentucky requires drivers to have a minimum amount of liability car insurance.
Liability coverage provides two types of protection: property damage and bodily injury. Property damage liability covers the cost of damage you cause to someone else’s property with your car, such as their car, house, or tree. Bodily injury liability coverage pays for expenses associated with injuries to another driver and their passengers in a crash for which you’re at fault.
It’s important to remember that a liability-only policy won’t cover any expenses for repairing your car or any medical bills you may have incurred from the accident. It only protects the other parties in an accident you caused. Liability-only policies typically work best for drivers with older, inexpensive, and paid-off vehicles.
On average, Louisville drivers pay $265 per month for liability-only coverage. The following table provides examples of liability insurance costs for Louisville drivers.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $85 |
| State Farm | $88 |
| GEICO | $101 |
| USAA | $108 |
| National General | $124 |
| Allstate | $128 |
| State Auto | $131 |
| Safeco | $142 |
| Travelers | $142 |
| Progressive | $145 |
| Clearcover | $161 |
| Nationwide | $187 |
| CSAA | $194 |
| Liberty Mutual | $200 |
| Bristol West | $230 |
| Shelter | $230 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Louisville: Auto-Owners
Although liability-only car insurance is available in Kentucky, your insurance agency or agent may recommend you opt for full coverage instead. If you’re financing or leasing your vehicle, your lender may mandate full coverage.
While liability-only insurance covers the other driver, their passengers, and their car, full coverage provides protection for you, your passengers, and your vehicle.
Full-coverage car insurance typically includes liability, collision, and comprehensive. Collision coverage pays for damage to your vehicle, no matter who causes the accident. Comprehensive insurance can pay for damage to your car caused by non-accident events like theft, vandalism, weather events, and accidents involving animals.
Full coverage costs Louisville drivers $391 per month, on average. Here’s a look at what Louisville drivers might pay for full-coverage car insurance from some top insurers in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $150 |
| State Farm | $157 |
| GEICO | $177 |
| USAA | $193 |
| National General | $204 |
| Safeco | $223 |
| Allstate | $227 |
| State Auto | $232 |
| Travelers | $252 |
| Progressive | $256 |
| Clearcover | $282 |
| CSAA | $289 |
| Nationwide | $332 |
| Liberty Mutual | $365 |
| Shelter | $407 |
| Bristol West | $475 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Louisville, Kentucky
Drivers in and around Louisville, Kentucky have found policies from GEICO, Safeco, National General, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Louisville, Kentucky within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Louisville, Kentucky within the last 10 days. Last updated on November 20, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 20, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Kentucky
To drive legally in Kentucky, you’ll need to have at least the following amount of coverage:
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
Additionally, Louisville drivers might benefit from the following optional coverages:
Uninsured/underinsured motorist coverage
Nearly 14% of Kentucky drivers don’t have car insurance, according to the Insurance Research Council.[3] UI/UIM coverage can cover your property damages and medical bills if you’re in an accident with an uninsured driver or if you’re the victim of a hit-and-run.
Roadside assistance
If your car breaks down on the road, your battery dies, or you lock your keys in the car, roadside assistance coverage can send someone to help. Some insurers include roadside assistance in their standard policy, while others offer it as an add-on.
Rental car reimbursement
If an accident leaves your car undriveable, this optional coverage can pay the cost of renting a vehicle, up to a certain amount per day and number of days.
Medical payments coverage
Also known as MedPay, this optional coverage can help pay your or your passengers’ medical bills in a covered accident.
Personal injury protection
Technically, Kentucky requires all drivers to have $10,000 in PIP coverage, which covers medical expenses regardless of who’s at fault in an accident. But you can opt out of PIP, and the limits on your right to sue after an accident, by filing a special form with the Kentucky Department of Insurance.[4]
Cheapest car insurance for drivers with an incident
Speeding tickets, accidents, DUIs, and other driving violations can cause your insurance company to increase your rates. Drivers with past driving violations are at higher risk of filing claims, so insurers adjust their rates accordingly.
The average cost of car insurance for Louisville drivers with traffic incidents on their motor vehicle record is $340 per month for liability insurance and $501 for full-coverage insurance.
Shop for Car Insurance in Louisville
Monthly rates start at $105 for drivers with an incident
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
It’s important to know that many insurers will increase your car insurance premiums following a speeding ticket. How much a ticket affects your rates depends on the insurer and the state where you live. If it’s your first violation, it’s possible a speeding ticket won’t affect your rates at all.
In Louisville, the average cost of car insurance for Louisville drivers with a speeding ticket is $371 per month for liability insurance and $547 for full coverage.
The following table illustrates how a speeding ticket can affect liability car insurance rates for drivers in Louisville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $85 | $112 |
| State Farm | $88 | $113 |
| GEICO | $101 | $131 |
| USAA | $108 | $140 |
| National General | $124 | $162 |
| Allstate | $128 | $166 |
| State Auto | $131 | $183 |
| Safeco | $142 | $187 |
| Travelers | $142 | $186 |
| Progressive | $145 | $187 |
| Clearcover | $161 | $210 |
| Nationwide | $187 | $245 |
| CSAA | $194 | $257 |
| Liberty Mutual | $200 | $279 |
| Bristol West | $230 | $300 |
| Shelter | $230 | $310 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Louisville residents who cause an accident will find that their auto insurance rates will most likely go up. But some insurance companies offer accident-forgiveness coverage that prevents rate increases for certain types of accidents, or after a specific period of accident-free coverage.
Louisville drivers with an at-fault accident pay an average of $373 per month for liability-only coverage and $551 for full-coverage insurance.
Here’s a look at how an at-fault accident could affect your liability car insurance rates in Louisville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $85 | $115 |
| State Farm | $88 | $117 |
| GEICO | $101 | $136 |
| USAA | $108 | $145 |
| National General | $124 | $166 |
| Allstate | $128 | $172 |
| State Auto | $131 | $191 |
| Safeco | $142 | $189 |
| Travelers | $142 | $192 |
| Progressive | $145 | $196 |
| Clearcover | $161 | $232 |
| Nationwide | $187 | $253 |
| CSAA | $194 | $270 |
| Liberty Mutual | $200 | $286 |
| Bristol West | $230 | $308 |
| Shelter | $230 | $322 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
How Long Does an Accident Affect Your Car Insurance Rates?
Cheapest car insurance for drivers with a DUI: Auto-Owners
Driving under the influence of alcohol or drugs is a serious crime. In Kentucky, a first offense can result in a six-month license suspension and 90 days in an alcohol or substance abuse program.[5]
A DUI violation will increase your car insurance rates significantly and stay on your record for 10 years. In more severe cases, insurance companies may even cancel your coverage or deny you new coverage if you try to buy a policy. But once the DUI is no longer listed on your motor vehicle report, you can anticipate a decrease in your car insurance rates.
On average, Louisville drivers with a DUI pay $426 per month for liability insurance. The following table shows liability insurance rates from top insurers for Kentucky drivers with a DUI on their motor vehicle records.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $85 | $138 |
| State Farm | $88 | $143 |
| GEICO | $101 | $165 |
| USAA | $108 | $176 |
| National General | $124 | $202 |
| Allstate | $128 | $209 |
| State Auto | $131 | $213 |
| Safeco | $142 | $214 |
| Travelers | $142 | $231 |
| Progressive | $145 | $236 |
| Clearcover | $161 | $262 |
| Nationwide | $187 | $305 |
| CSAA | $194 | $284 |
| Liberty Mutual | $200 | $326 |
| Bristol West | $230 | $375 |
| Shelter | $230 | $375 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Generally, senior citizens have the lowest car insurance rates of any age group. They tend to drive less than people of working age and have more experience behind the wheel. But despite having a clean driving record, you may see an increase in your car insurance rates once you turn 70.
Older drivers are more likely to be involved in accidents, according to the Insurance Institute for Highway Safety (IIHS). Moreover, if a senior driver does get into an accident, their injuries are typically more severe, leading to higher medical bills and increased costs for the insurance company.
The average cost of car insurance for Louisville seniors is $330 per month for full-coverage insurance and $224 for liability-only coverage.
Here’s a look at average car insurance costs for senior drivers in Louisville.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $120 | $68 |
| State Farm | $123 | $69 |
| GEICO | $143 | $81 |
| USAA | $156 | $87 |
| National General | $158 | $96 |
| State Auto | $175 | $99 |
| Allstate | $184 | $104 |
| Progressive | $187 | $106 |
| Safeco | $192 | $122 |
| Travelers | $199 | $112 |
| CSAA | $223 | $150 |
| Clearcover | $245 | $140 |
| Nationwide | $251 | $141 |
| Shelter | $300 | $169 |
| Liberty Mutual | $309 | $170 |
| Bristol West | $385 | $186 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teenage drivers get into crashes almost four times more often per mile driven, according to the IIHS.[6] Teens are more likely to engage in risky driving behaviors and have less experience handling road hazards like heavy rain and hail during spring storms in Louisville.
As a young driver, you can reduce your car insurance premium and find the most affordable coverage by taking advantage of various discounts. For instance, you can remain on your parents’ insurance policy, drive a safe car, leave your car at home if you go away to school, and earn good grades to qualify for student discounts. Additionally, some insurers reward good driving habits and accident-free records with discounts. You may also be able to get a discount by completing an approved driver education course.
Teen drivers in Louisville face average insurance costs of $507 per month for liability insurance and $748 for full-coverage insurance. The following table illustrates average costs for Louisville teens from some top insurance companies.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Data reviewed by Konstantin Halachev
7+ years experience in data analysis
Ph.D. in Computational Biology
Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
Insurance Company ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ |
|---|---|---|
| Auto-Owners | $268 | $152 |
| State Farm | $287 | $161 |
| GEICO | $302 | $172 |
| USAA | $344 | $193 |
| National General | $424 | $258 |
| Allstate | $429 | $242 |
| State Auto | $437 | $247 |
| Safeco | $453 | $289 |
| Progressive | $477 | $270 |
| Travelers | $483 | $272 |
| CSAA | $495 | $332 |
| Clearcover | $549 | $313 |
| Nationwide | $616 | $347 |
| Liberty Mutual | $666 | $365 |
| Shelter | $722 | $408 |
| Bristol West | $851 | $412 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Louisville car insurance quotes by credit tier
In Kentucky, it’s legal for insurance companies to take your credit history into account when determining your car insurance premiums. Claims data indicates that people with lower credit scores may be more likely to file a claim. Consequently, if your credit is poor, your insurance cost will be higher.
Drivers with excellent or good credit typically pay significantly less than drivers with poor credit. Here’s a look at how credit can affect full-coverage car insurance costs in Louisville.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Louisville?
Yes. Louisville drivers pay high average rates for car insurance, at $265 per month for liability and $391 for full-coverage insurance. This is much higher than the monthly state average costs of $171 for liability and $283 for full coverage and the national average costs of $104 for liability and $204 for full coverage.
Within Kentucky, car insurance generally costs more in the more urban Louisville ZIP codes than in nearby rural and suburban areas. Cars parked in the city are more susceptible to theft, vandalism, and vehicle accidents. Car insurance in Louisville is considerably more expensive than other highly-populated cities in Kentucky, including Bowling Green and Lexington.
More cities in Kentucky
Here’s a look at how Louisville’s car insurance costs compare to average rates in other Kentucky cities. On average, Louisville drivers pay $265 per month for liability and $391 for full-coverage insurance.
City ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Bowling Green | $150 | $245 |
| Elizabethtown | $169 | $307 |
| Florence | $105 | $182 |
| Henderson | $159 | $291 |
| Lexington | $161 | $270 |
| Madisonville | $132 | $274 |
| Owensboro | $119 | $184 |
| Paducah | $156 | $271 |
| Richmond | $163 | $269 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Louisville car insurance FAQs
Whether you’re wondering how much car insurance to buy, whether you need full coverage, or what the best car insurance companies are, it pays to research your Louisville car insurance options. Here are answers to some commonly asked questions to get you started.
How much is car insurance in Louisville?
The average cost of full-coverage car insurance in Louisville is $391. Liability-only coverage costs an average of $265 in Louisville. How much you pay for coverage ultimately depends on your driving record, credit history, age, chosen coverage, and more.
Who has the cheapest car insurance in Louisville?
With a liability insurance rate of $85 per month, Auto-Owners is the cheapest car insurance company in Louisville. State Farm and GEICO also offer cheap coverage, with respective liability rates of $88 and $101 per month.
What are the best car insurance companies in Louisville?
State Farm, GEICO, and USAA are among the best car insurance companies in Louisville.
State Farm has an average J.D. Power rating of 833, an Insurify Quality (IQ) Score of 9.3 out of 5, and Kentucky liability insurance starting as low as $61 per month. GEICO’s average J.D. Power rating for customer satisfaction is 818, and it has an IQ Score of 9.0. Finally, USAA — which serves only active-duty military, veterans, and their families — has an IQ Score of 9.4 and an average J.D. Power rating of 876.
All three insurers have AM Best financial strength ratings of A++ (Superior), the highest rating given.
Is car insurance cheaper in Indiana or Kentucky?
Car insurance is generally cheaper in Indiana than in Kentucky. The average cost of car insurance in Indiana is $72 per month for liability insurance and $144 for full coverage. Kentucky drivers pay an average of $171 for liability insurance and $283 for full coverage.
How long do you have to get insurance after buying a car in Kentucky?
You’ll need to show proof of insurance to register a vehicle in Kentucky, or to renew a vehicle registration. The state says you’re not allowed to operate a vehicle until you’ve insured it, so you’ll need to get coverage for your new car right away.
Fortunately, comparison sites make it easy to compare quotes and get car insurance coverage quickly — often within the same day you apply.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Kentucky
Sources
- Louisville Metro Open Data. "Crime Data."
- United States Census Bureau. "QuickFacts Louisville city, Kentucky."
- Insurance Research Council. "One in Eight Drivers Uninsured."
- Kentucky Department of Insurance. "No Fault Rejection/Verification (PIP)."
- Commonwealth of Kentucky Drive.ky.gov. "DUI Penalties."
- Insurance Institute for Highway Safety. "Teenagers."
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Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.
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