Cheapest Auto Insurance in Louisville, Kentucky (2026)

Liability-only car insurance in Louisville costs an average of $184 per month. Louisville drivers pay much more for liability car insurance than the Kentucky state average of $117 per month and the national average of $99.

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.

6 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.

Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare	Compare quotesCompare
Average price Prices based on average across state-minimum and full coverage car insurance $129/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $135/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $152/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $124/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $196/mo*	Average price Prices based on average across state-minimum and full coverage car insurance $115/mo*
Overall rating 4.3 144 reviews	Overall rating 4.0 6,965 reviews	Overall rating 4.0 7,256 reviews	Overall rating 3.7 354 reviews	Overall rating 3.8 4,158 reviews	Overall rating 3.2 7,929 reviews
Value for money 3.4/5	Value for money 3.6/5	Value for money 3.8/5	Value for money 3.0/5	Value for money 3.3/5	Value for money 3.1/5
Customer service 3.5/5	Customer service 4.2/5	Customer service 4.0/5	Customer service 2.7/5	Customer service 3.8/5	Customer service 3.3/5
Claims handling 4.0/5	Claims handling 4.1/5	Claims handling 4.1/5	Claims handling 3.2/5	Claims handling 3.8/5	Claims handling 3.3/5
Special highlight AI-generated from 144 user reviews Cheap rates	Special highlight AI-generated from 6965 user reviews Customer service	Special highlight AI-generated from 7256 user reviews Teen drivers	Special highlight AI-generated from 354 user reviews SR-22 insurance	Special highlight AI-generated from 4158 user reviews Accident forgiveness	Special highlight AI-generated from 7929 user reviews Competitive rates

Data in this table has been sourced from Insurify’s users who have indicated they are insured with the listed providers

Best insurer for discounts: Auto-Owners

discounts

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User Reviews	4.3 144 reviews
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.	8.2 /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.	$153/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.	$230/mo

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Driver Reviews

4.3

Best choiceBased on 298 verified guest reviews and ratings

How drivers feel about Auto-Owners

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

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

Customers appreciate the friendly service and quick claims process but dislike the constant rate increases and perceived inflexibility in pricing.

AI-generated from the text of verified reviews collected by Insurify

Best For

Cheap rates

Senior drivers

Ample discounts

Reviews (144)

Warren

Verified Review

Punishment for 65+ years of no problems.

Reviewed in South Carolina on February 1, 2026

I have been licensed since two weeks before my 14th birthday, in other words, 65+ years. I had 2 tickets and 1 accident (that was in July 2024). It cost me a $25 fine and no points, yet my rate increased by 60%. This was the only claim against me over the years. I don't drive much, about 10,000 miles a year if that much, and yet I'm being punished for years of no problems. BTW, the patrolman questioned the ability of the on-lookers of the accident.

Scott

Verified Review

Poor

Reviewed in Michigan on January 28, 2026

Prices are too high.

Gary

Verified Review

Tornado

Reviewed in Ohio on January 25, 2026

I asked for discounts, but they don't offer any due to tornado damage claims.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

654

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.46

A.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

good drivers

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User Reviews	3.7 354 reviews
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.	7 /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.	$136/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.	$231/mo

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Driver Reviews

3.7

A solid optionBased on 923 verified guest reviews and ratings

How drivers feel about National General

Drivers appreciate the quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

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 quick and easy setup but are dissatisfied with the frequent and unexplained rate increases. Many find the customer service lacking and the claims process slow.

AI-generated from the text of verified reviews collected by Insurify

Best For

SR-22 insurance

Bundling discounts

Hard-to-insure drivers

Reviews (354)

George

Verified Review

Company has become too expensive

Reviewed in North Carolina on February 5, 2026

The current quote was basically double the previous year.

William

Verified Review

Don't expect personal service.

Reviewed in North Carolina on January 31, 2026

There are no real agents with in-depth knowledge; everything is handled through corporate, so I'm not sure why I'm paying my local office.

Maureen

Verified Review

Great Customer Service

Reviewed in New Jersey on January 28, 2026

Agents are professional and address my concerns.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

599

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.25

A.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

Teens and Young Drivers

Compare Quotes

User Reviews	4.0 6,965 reviews
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.	$159/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.	$240/mo

Show Details

Driver Reviews

4.0

Best choiceBased on 14,570 verified guest reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

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

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (6,965)

Lydia

Verified Review

Horrible experience with State Farm

Reviewed in Florida on February 5, 2026

I have had State Farm since I was 16, and it was good. However, in the past year, they have increased my insurance rates significantly for no reason. I have had no accidents, no tickets, and I barely drive more than 5 miles a day. My rate went from $114.00 to $198.00 in 2 months for no reason.

Dan

Verified Review

State Farm Disappointment

Reviewed in South Carolina on February 5, 2026

If you file a claim, your rates will go up, regardless of how good your past record is.

Richard

Verified Review

Excellent

Reviewed in Missouri on February 5, 2026

Very good but like all insurance, expensive.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.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 $116 per month

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4.7 out of 5 based on 11,626 reviews

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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: Progressive

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 $184 per month for liability-only coverage. The following table provides examples of liability insurance costs for Louisville drivers.

The below rates in Louisville, KY, are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

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Insurance Company	Average Monthly Quote
Progressive	$116
National General	$136
Auto-Owners	$153
State Farm	$159
Direct Auto	$160
Safeco	$172
GEICO	$179
Root	$181
USAA	$196
Bristol West	$221
Allstate	$231
State Auto	$236
The General	$242
Travelers	$257
Liberty Mutual	$268

Disclaimer: Table data sourced from real-time Louisville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Louisville may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Louisville: Progressive

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 $257 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 in Louisville, KY, are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Average Monthly Quote
Progressive	$225
Auto-Owners	$230
National General	$231
Direct Auto	$233
State Farm	$240
Safeco	$240
CSAA	$268
GEICO	$271
Root	$286
USAA	$295
Allstate	$349
State Auto	$354
Liberty Mutual	$356
Travelers	$387
The General	$436
Bristol West	$443

Disclaimer: Table data sourced from real-time Louisville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Louisville 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 $223 per month for liability insurance and $311 for full-coverage insurance.

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Monthly rates start at $140 for drivers with an incident

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Cheapest car insurance for drivers with a speeding ticket: Progressive

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 $237 per month for liability insurance and $331 for full coverage.

The following table illustrates how a speeding ticket can affect liability car insurance rates for drivers in Louisville.

The below rates in Louisville, KY, are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Speeding Ticket
Progressive	$116	$149
National General	$136	$172
Auto-Owners	$153	$202
State Farm	$159	$204
Direct Auto	$160	$203
Safeco	$172	$230
GEICO	$179	$237
Root	$181	$244
USAA	$196	$256
Bristol West	$221	$281
Allstate	$231	$304
State Auto	$236	$318
The General	$242	$327
Travelers	$257	$337
Liberty Mutual	$268	$346

Disclaimer: Table data sourced from real-time Louisville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Louisville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: Progressive

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 $248 per month for liability-only coverage and $347 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 in Louisville, KY, are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With Accident
Progressive	$116	$157
National General	$136	$182
Auto-Owners	$153	$204
State Farm	$159	$212
Direct Auto	$160	$220
Safeco	$172	$243
GEICO	$179	$234
Root	$181	$243
USAA	$196	$265
Bristol West	$221	$293
Allstate	$231	$312
State Auto	$236	$324
The General	$242	$336
Travelers	$257	$348
Liberty Mutual	$268	$360

Disclaimer: Table data sourced from real-time Louisville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Louisville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: Progressive

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 $238 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 in Louisville, KY, are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Clean Driving Record	With DUI
Progressive	$116	$150
National General	$136	$189
Auto-Owners	$153	$212
State Farm	$159	$220
Direct Auto	$160	$222
Safeco	$172	$257
GEICO	$179	$245
Root	$181	$252
USAA	$196	$272
Bristol West	$221	$306
Allstate	$231	$320
State Auto	$236	$327
The General	$242	$336
Travelers	$257	$356
Liberty Mutual	$268	$372

Disclaimer: Table data sourced from real-time Louisville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Louisville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: Progressive

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 $220 per month for full-coverage insurance and $158 for liability-only coverage.

Here’s a look at average car insurance costs for senior drivers in Louisville.

The below rates in Louisville, KY, are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
National General	$181	$107
Auto-Owners	$182	$121
Direct Auto	$187	$128
State Farm	$188	$125
Progressive	$193	$99
Safeco	$209	$150
GEICO	$215	$142
USAA	$239	$159
Root	$239	$151
State Auto	$269	$179
Allstate	$283	$187
Liberty Mutual	$296	$223
Travelers	$308	$205
The General	$365	$202
Bristol West	$367	$183

Disclaimer: Table data sourced from real-time Louisville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Louisville may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: Progressive

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 $334 per month for liability insurance and $466 for full-coverage insurance. The following table illustrates average costs for Louisville teens from some top insurance companies.

The below rates in Louisville, KY, are estimated rates current as of: Sunday, February 1 at 11:00 AM PST. 

Data reviewed by Konstantin Halachev

Konstantin HalachevVP of Engineering & Data Science

• 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.

Read Editorial Guidelines

View Full Bio

Insurance Company	Full Coverage	Liability Only
Progressive	$408	$210
Direct Auto	$451	$310
Auto-Owners	$461	$306
State Farm	$465	$308
National General	$467	$275
Safeco	$484	$347
GEICO	$486	$321
Root	$495	$313
USAA	$546	$363
Liberty Mutual	$628	$472
Allstate	$691	$457
The General	$763	$423
Bristol West	$790	$394
Travelers	$801	$532
State Auto	$862	$575

Disclaimer: Table data sourced from real-time Louisville car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Louisville may vary based on the policy buyer's unique driver profile.

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Rates start as low as $116/mo. for liability coverage

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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.

Is car insurance more expensive in Louisville?

Yes. Louisville drivers pay high average rates for car insurance, at $184 per month for liability and $257 for full-coverage insurance. This is much higher than the monthly state average costs of $117 for liability and $183 for full coverage and the national average costs of $99 for liability and $174 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 $184 per month for liability and $257 for full-coverage insurance.

City	Liability Only	Full Coverage
Bowling Green	$109	$175
Elizabethtown	$113	$168
Florence	$100	$153
Henderson	$108	$164
Lexington	$118	$176
Madisonville	$94	$163
Owensboro	$98	$158
Paducah	$114	$187
Richmond	$111	$172

Disclaimer: Table data is based on real-time Louisville quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Louisville car insurance FAQs